Health Open Enrrolment with

NaviLexis Solutions

❓ Frequently Asked Questions (FAQ)

Medicare AEP

👉 What if I miss the deadline?
If you don’t make changes during AEP (Oct 15 – Dec 7), you’ll usually have to wait until next year, unless you qualify for a

Special Enrollment Period (SEP) (e.g., moving, losing coverage, Medicaid eligibility, certain health conditions). Your current coverage will continue into 2026 if no changes are made.

👉 Can I change my plan more than once?
Yes. You can submit multiple requests during AEP, but only the last one before Dec 7 will take effect on Jan 1. If you have a Medicare Advantage plan, you also have the MA OEP (Jan 1 – Mar 31) to make one more change or go back to Original Medicare + Part D.

👉 What can I change during AEP?

Switch between Original Medicare and Medicare Advantage.

Change from one MA plan to another.

Join, drop, or switch a Part D drug plan.

👉 When do changes take effect?
All AEP changes start on Jan 1 of the following year.

👉 What if I have Medicaid or Extra Help?
You may qualify for Special Enrollment Periods and can change plans multiple times during the year.

ACA MARKETPLACE AEP

👉 What if I miss the deadline?
If you don’t enroll or renew during Open Enrollment (Nov 1 – Jan 15), you can only get coverage if you qualify for a Special Enrollment Period (SEP) (e.g., loss of other coverage, moving, marriage/divorce, birth/adoption, income changes). Otherwise, you’ll need to wait until the next year.

👉 Can I change my plan more than once?
Yes. You can change plans as many times as you want during Open Enrollment; only the last plan selected before Jan 15 will take effect. After Jan 15, changes are only allowed with a SEP.

👉 When does my coverage start?

Enroll by Dec 15 → Coverage starts Jan 1.

Enroll Dec 16 – Jan 15 → Coverage starts Feb 1.

👉 Can I get financial help?
Yes. Most people qualify for tax credits and cost-sharing reductions based on income and household size.

👉 What info do I need to enroll?
Income details, household members, immigration documents (if applicable), list of preferred doctors and prescriptions.

👉 What if I don’t pay my first premium?
Your coverage won’t begin until you make the first payment.