AEP, OEP, & SEP Explained: A Guide for Medicare Agents

Confidently guide your clients by mastering the differences between the Annual Election Period (AEP), Medicare Advantage Open Enrollment Period (OEP), and Special Enrollment Periods (SEPs).

For a licensed Medicare agent, mastering the calendar is just as important as mastering plan benefits. The various enrollment periods—AEP, OEP, and SEP—dictate when and how you can help your clients make changes to their coverage. Understanding the nuances of each is fundamental to serving beneficiaries effectively, staying compliant, and building a thriving business. This guide will break down the three most critical enrollment periods every agent must know inside and out. The Annual Election Period (AEP): The Busy Season The Annual Election Period, often called AEP or the Fall Open Enroll…