Medicare open enrollment & resources
Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with end-stage kidney disease. If you qualify for Medicare, you can review your health insurance options during Medicare Open Enrollment.
Please know that your Medicare insurance plan may be subject to change. Be sure to review your plan every year, choose the coverage you need and pay attention to whether you are choosing a plan that includes your current providers and hospitals at Atrium Health Floyd and Harbin Clinic.
How long is Medicare Open Enrollment?
Open enrollment begins
Open enrollment ends
Coverage begins
During Open Enrollment, newly eligible and existing Medicare patients can review coverage options and choose to:
- Enroll in an Original Medicare, Medigap (Medicare Supplement) or Medicare Advantage plan, or switch from one plan to another
- Add or change Medicare prescription drug plans
- Make no changes to current Medicare coverage
Confused about Medicare? Download our free Medicare guide (PDF).
Original Medicare vs. Medicare Advantage
Learn about the two types of Medicare programs and what makes Medicare Advantage different.
Original Medicare
Original Medicare is the traditional Medicare program, where the government pays directly for the health care services you receive. You can go to any doctor or hospital that takes Medicare in the U.S. and buy supplemental coverage to help pay out-of-pocket costs.
Original Medicare includes:
- Part A (inpatient/hospital coverage)
- Part B (outpatient/medical coverage)
You can add:
- Part D (prescription drug coverage)
- Supplemental coverage/Medigap
Medicare Advantage
Instead of Original Medicare, you can get your Medicare benefits from a Medicare Advantage plan, also known as Medicare Part C. Medicare Advantage bundles the coverage you get under Original Medicare and can include additional benefits.
Medicare Advantage includes:
- Part A (inpatient/hospital coverage)
- Part B (outpatient/medical coverage)
Most plans also include:
- Part D (prescription drug coverage)
- Extra benefits (routine dental, hearing and vision care)
Which plans include Atrium Health Floyd and Harbin Clinic providers in their networks?
Atrium Health Floyd and Harbin Clinic accepts Original Medicare, Medigap (Medicare Supplement) and listed Medicare Advantage plans. Under Medicare Advantage, you usually need to go to doctors and hospitals in your plan’s network in order to limit your out-of-pocket costs. Plans that include Atrium Health Floyd and Harbin Clinic are as follows. Please note that plans are different for each facility.
Atrium Health Floyd (Georgia Market)
- Aetna Medicare Advantage
- Anthem Medicare Advantage
- CareSource Advantage
- Clover Medicare Advantage
- Georgia Assurance Medicare Advantage
- HealthSpring (changing names from Cigna Medicare Advantage for 2026)
- Humana/ChoiceCare Medicare Advantage
- UnitedHealthcare Medicare Advantage*
*Atrium Health Floyd Outpatient Psychiatry (Floyd Physicians, LLC) is not participating with UnitedHealthcare Medicare Advantage Behavioral Health.
Atrium Health Floyd (Alabama market including Rural Health Clinics)
- Aetna Medicare Advantage
- BCBS of Alabama Medicare Advantage
- Clover Medicare Advantage
- HealthSpring (changing names from Cigna Medicare Advantage for 2026)
- Humana/ChoiceCare Medicare Advantage
- UnitedHealthcare Medicare Advantage
- Viva Health Medicare Advantage
Harbin Clinic
- Aetna Medicare Advantage
- Anthem Medicare Advantage
- HealthSpring (changing names from Cigna Medicare Advantage for 2026)
- Georgia Assurance Medicare Advantage
- Humana/ChoiceCare Medicare Advantage
- Pruitt Health Premier (Limited to Institutional Special Needs Only)
- UnitedHealthcare Medicare Advantage**
**The UnitedHealthcare Medicare Advantage contract automatically ends Dec. 31, 2025, while contracts are in negotiation.
See a complete list of health insurance plans Atrium Health Floyd and Harbin Clinic accepts.
Why choose a plan that includes Atrium Health Floyd and Harbin Clinic?
If you already have an Atrium Health Floyd and Harbin Clinic doctor or hospital you prefer, you may want to pick a plan that includes them. This lets you continue seeing them, while better managing your health care costs. In addition to your doctor and hospital, you get a seamless connection to Atrium Health Floyd and Harbin Clinic’s vast care options. A few highlights include:
- Primary care from the region’s largest network of providers, including family medicine and internal medicine
- Exceptional specialty care, including a certified chest pain center for heart care
- The region’s largest network of behavioral health and substance use services
- Convenient on-demand care options, like urgent care and video visits
- Peace of mind that when you get care from Atrium Health Floyd and Harbin Clinic, you can more easily keep your out-of-pocket costs down
Reminder: Don’t give personal information to plan callers
Medicare plans aren't allowed to call you to enroll you in a plan, unless you specifically ask to be called. Also, plans should never ask you for financial information, including credit card or bank account numbers, over the phone.
No one should call you without your permission or come to your home uninvited to sell Medicare products. Call 1-800-MEDICARE to report a plan that does this. Learn more about how to prevent Medicare fraud and abuse.
Frequently asked questions about Medicare coverage
Medicare Open Enrollment is also known as the Annual Enrollment Period or AEP. During the enrollment period, newly eligible and existing Medicare patients can review Medicare coverage options and:
- Enroll in an Original Medicare, Medigap (Medicare Supplement) or Medicare Advantage plan, or switch from one plan to another
- Add or change Medicare prescription drug plans
- Make no changes to current Medicare coverage
After comparing the benefits offered by the various plans, consider enrolling in an Original Medicare, Medigap (Medicare Supplement) or Medicare Advantage plan that lets you continue getting care from your preferred Atrium Health Floyd and Harbin Clinic doctors and hospitals.
Before you sign up, take the time to find and compare Medicare health plans in your area. Once you understand the plan's rules and costs, there are several ways to join:
- Visit the plan's website to see if you can join online.
- Fill out a paper enrollment form. Contact the plan to get an enrollment form, fill it out and return it to the plan. All plans must offer this option.
- Call the plan you want to join. Get your plan's contact information.
- Call 1-800-MEDICARE (1-800-633-4227). TTY: 1-877-486-2048.
When you join a Medicare Advantage plan, you'll have to give this information:
- Your Medicare number
- The date your Part A and/or Part B coverage started
This information is on your Medicare card.
Don't give personal information to plan callers
Medicare plans aren't allowed to call you to enroll you in a plan, unless you specifically ask to be called. Also, plans should never ask you for financial information, including credit card or bank account numbers, over the phone.
No one should call you without your permission or come to your home uninvited to sell Medicare products. Call 1-800-MEDICARE to report a plan that does this. Learn more about how to prevent Medicare fraud and abuse.
Before enrolling in any health plan, you can confirm that your Atrium Health Floyd and Harbin Clinic doctor is participating in the plan. You can do this by:
- Calling the health plan to verify that your preferred Atrium Health Floyd and Harbin Clinic doctor and hospital are in-network.
- Calling your doctor's office at the beginning of Open Enrollment to see which Medicare Advantage plans are in-network.
- Visiting Medicare Plan Finder to help you understand the health plan options in your county, as well as see which doctors and hospitals are in-network.
If you’re happy with your existing Medicare coverage, there’s no need to do anything during Medicare Open Enrollment. But it’s always good to check that your current plan is still available and that you can continue to see your preferred doctors and hospitals.
You can continue to see your preferred doctor until your new coverage begins.
As always, if you have a medical emergency, go to the closest emergency room. Atrium Health Floyd and Harbin Clinic hospitals provide services to all patients seeking treatment for an emergency medical condition, regardless of their health insurance plan or ability to pay for emergency services.
If you sign up for a Medicare Advantage plan during Medicare Open Enrollment and your needs change, you may not have to wait until next fall to switch plans.
If you signed up during the regular Open Enrollment period, you can elect to switch health plans once between January 1, 2026, through March 31, 2026. This is only for Medicare Advantage plans, and you can only change plans once.