Pinnacle Insurance Services

If you are new to Medicare, it’s important to understand how the program works and what steps you need to take to ensure you have the healthcare coverage you need. Here are some key things to consider:
Eligibility: Medicare is a federal health insurance program for individuals aged 65 and older. It’s also available to certain younger people with disabilities and those with end-stage renal disease. Make sure you are eligible for Medicare before proceeding.
Enrollment Periods: There are specific enrollment periods for Medicare, and it’s crucial to enroll during the right time to avoid penalties and coverage gaps. The initial enrollment period starts three months before your 65th birthday and lasts for seven months. The enrollment period for 2023 is October 15th to December 7th.

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What changes to my Medicare plan may I make during the enrollment period?

It’s essential to review your current plan, consider your healthcare needs and budget, and compare your options before making any changes during the Medicare AEP. Be aware that any changes you make during this period generally take effect on January 1 of the following year. Be aware that specific rules and timelines may vary depending on your location and circumstances, so it’s a good idea to consult with Pinnacle Insurance Services, your local Medicare expert for personalized guidance. We can answer all your Medicare questions at 816-477-0180 or email us at

What is the Medicare Annual Election Period?

The Medicare Annual Election Period (AEP), also known as the Annual Enrollment Period, is an important time frame during which individuals who are eligible for Medicare can make changes to their Medicare coverage. The AEP typically occurs from October 15 to December 7 each year, with any changes taking effect on January 1 of the following year.