By Woodrow Wilcox

The fact that there are two “open enrollment” periods may cause confusion for some. Let me help folks to avoid the confusion.

This year, the “open enrollment” period for Medicare related insurance is from October 15 through December 7. During this period, people who have Medicare Part C “Medicare Advantage” policies and people who have Medicare Part D prescription drug plans should consult their insurance agents to review whether the policy or plan should be kept or replaced. If that is not done by December 7, the policy or plan in place will remain in place for another year.

The “open enrollment” period for “Obamacare” related health insurance policies is from November 1, 2015 through January 31, 2016. But, it is a little more complicated than just that. If you enroll or change policies by December 15, 2015, the effective date for the “Obamacare” policy will be January 1, 2016. If you enroll or change policies between December 16, 2015 and January 15, 2016, the effective date of the policy will be February 1, 2016. If you enroll or change policies between January 16, 2016 and January 31, 2016, the effective date of the policy will be March 1, 2016.

Spread the word among your relatives and friends who may be affected by an “open enrollment” period. Help them understand that the two “open enrollment” periods overlap a bit. Help them to avoid any confusion so that whatever needs to be done is done in the correct “open enrollment” period.

Our insurance agency can help people with either of these “open enrollment” periods. We help people who use Medicare and we help people who need some insurance to comply with the “Obamacare” law. Also, this agency distinguishes itself by “going the extra mile” to help our clients whenever a problem occurs that threatens our clients with financial harm.

Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. He has helped clients of that insurance agency save over one million dollars by fighting medical bill errors and fraud in the Medicare system. He wrote the book “Solving Medicare Problems”.

© 2015 Woodrow Wilcox