AEP vs. OEP vs. SEP: A Medicare Agent's Guide to Enrollment Periods

Understanding the difference between the Annual Enrollment Period (AEP), Open Enrollment Period (OEP), and Special Enrollment Periods (SEPs) is crucial for every Medicare agent. Master the rules to guide clients confidently and compliantly.

As a licensed Medicare agent, your calendar is dictated by enrollment periods. Mastering the nuances of the Annual Enrollment Period (AEP), the Medicare Advantage Open Enrollment Period (OEP), and the various Special Enrollment Periods (SEPs) is not just good practice—it's essential for your success and compliance. Understanding when your clients can make changes, what changes they can make, and how you can assist them is the foundation of being a trusted advisor. This guide will break down each period, clarifying the rules so you can approach every client conversation with confidence. The A…