For those of us already enrolled in Medicare, October 15 - December 7, 2014 is the annual open enrollment period. This, by law, is the federal government's time of year when it allows Medicare recipients to make changes for Medicare Advantage plans and Medicare prescription drug plans to be effective for 2015. It is NOT an official enrollment time to make changes to Medicare supplemental plans (aka medigap plans). Medigap plans are regulated by state laws and your state determines when and whether you can switch from one medigap plan to another. For example, in New York state you can change medigap policies any time you want to be effective the beginning of the next month. It's called continuous enrollment.
What does all this have to do with OneExchange? You are required to purchase at least one private insurance policy from OneExchange to get your HRA subsidy. If you bought a Medicare Advantage plan or a drug plan and you are happy with the plan then you don't need to make any changes for 2015 and don't need to talk to anyone at OneExchange. HOWEVER, you must RELOOK at your plan to be sure it will continue to provide the benefits you want in 2015 and take action if the plan is no longer meeting your needs.
This is the time of year private insurance plans make changes to benefits and to formularies (the list of drugs they will cover) for the plans they offer. Your current plan should send you a notification of changes by the beginning of October. I suggest that the best way to find out which prescription drugs your plan will cover is on the Medicare website (www.medicare.gov). Plan updates will be posted on that website by October 15, 2014. That's when to do the "plan finder". Enter your drugs and look at available plans in your zip code that provide the best coverage.
If the medical or drug plan you currently have through OneExchange is no longer suitable, you will need to switch to a better OneExchange plan and you MUST make Medicare Advantage or part D insurance plan changes before December 8th since there is no special enrollment period for IBMers this year. The Medicare dates of Oct. 15 - Dec. 7 apply to make those changes. Again, it does not apply to Medicare Supplemental/medigap policies. You need to talk to your state first to find out the rules for making those changes before you change anything with OneExchange. Unfortunately, switching means going through the OneExchange enrollment process again.