Florida Medicare Open
Enrollment Checklist
Everything Florida seniors need to review before, during, and after the Annual Enrollment Period (Oct 15 – Dec 7). Don't auto-renew without checking these items first.
Key Medicare Dates to Know
Oct 1
ANOC letters mailed by plans
Oct 15
AEP opens — you can start comparing and enrolling
Nov 1
ACA Open Enrollment also opens (if you have marketplace coverage)
Dec 7
AEP closes — last day to enroll or switch plans
Jan 1
New Medicare coverage begins
Jan 1–Mar 31
Medicare Advantage Open Enrollment — one more chance to switch MA plans
Your Complete AEP Action Plan
Work through each section in order. Print this page or bookmark it — and call Jaime if you need help with any step.
Before AEP Opens (Before Oct 15)
During AEP (Oct 15 – Dec 7)
After Enrolling (Dec 7 – Jan 1)
Special Enrollment Period (SEP) Triggers
Don't Auto-Renew Without Comparing
Medicare plans change every year — premiums, formularies, networks, and star ratings all shift. A plan that was right for you last year may not be the best available option this year. Our agents help you compare available plan options based on your doctors, prescriptions, eligibility, and budget — at no cost to you.
Medicare AEP — Common Questions
Do I have to do anything during AEP if I'm happy with my plan?
Not necessarily — if your plan's ANOC shows no significant changes and your doctors and drugs are still covered at the same cost, you can stay enrolled automatically. However, we always recommend a quick comparison because better options may be available in your area.
Can I switch from Medicare Advantage back to Original Medicare during AEP?
Yes. During AEP you can switch from Medicare Advantage to Original Medicare (Parts A & B) and add a Part D drug plan. Keep in mind that if you want a Medigap supplement, you may need to pass medical underwriting outside of your initial enrollment period.
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan from a private insurer — often with $0 premiums but network restrictions. Medicare Supplement (Medigap) works alongside Original Medicare to cover cost-sharing gaps, giving you more flexibility but typically higher premiums.
Is there a cost to work with a Medicare agent?
No. Licensed Medicare agents like Jaime Avila are compensated by the insurance carriers, not by you. You pay the same premium whether you enroll through an agent or directly — and you get expert guidance at no extra cost.
What if I miss the AEP deadline?
If you miss December 7, you'll generally need to wait until the next AEP unless you qualify for a Special Enrollment Period (SEP). SEPs are triggered by life events like moving, losing other coverage, or qualifying for Extra Help.
Ready for Your Free Medicare Review?
Jaime Avila is a CMS-certified, bilingual Medicare agent serving South Florida. He'll compare available plan options based on your doctors, prescriptions, and budget — at no cost to you.
Licensed in Florida · CMS-certified · Bilingual (English & Spanish) · No obligation