The “90-Day Rule”: Why Change of Information (CHOI) Requests Kill Deal Timelines

“I’ll just update my address in PECOS next week.”

Famous last words.

In the world of Medicare enrollment, nothing is instant. The Change of Information (CHOI) process is a formal legal amendment to your government contract.

If you are planning to move, sell, or restructure in Q2 2026, you are racing against the clock.

  • The Process: You submit the 855S change online.
  • The Wait: The MAC has 45 days to review.
  • The Delay: If they find one error (e.g., a typo in the bank routing number), they send a “Development Letter.”
  • The Reset: The clock stops. You respond. The clock restarts for another 45 days.
  • Total Time: 90+ Days.

If your PECOS profile is in “Pending” status (due to a CHOI review) when the Competitive Bidding window opens, you may be blocked from registering.

  • The Rule: NO CHANGES should be submitted within 60 days of the bid window.
  • The Deadline: If the window opens in July, all changes must be submitted by May.
Diagram of the 45-90 day MAC review cycle for PECOS CHOI applications

We Fast-Track Your Updates

Wonder Worth Solutions submits “Error-Free” CHOI applications. We audit the data before submission to prevent Development Letters. We monitor the MAC portal daily to respond to requests instantly, shaving weeks off the processing time.

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