If an individual turns 65 and enrolls in a Medicare Advantage plan, what can they do within 12 months?

When an individual turns 65 and enrolls in a Medicare Advantage plan, they have a specific opportunity within the first 12 months of enrollment to make changes to their coverage. During this time, they can return to Original Medicare and also enroll in a standalone Medicare Prescription Drug Plan (PDP) if they choose.

This option is specifically designed to provide a safety net for new enrollees who may find that the Medicare Advantage plan doesn't meet their needs or if they realize they prefer the flexibility of Original Medicare. The ability to switch back ensures that beneficiaries have a way to reassess their healthcare options shortly after they start, minimizing the risk of being stuck in a plan that isn’t a good fit.

The other options, while they may seem plausible, don’t accurately reflect the regulations regarding changes during this 12-month period.