Medicare Open Enrollment usually happens every year from October 15 to December 7. This is your primary opportunity to review your coverage and make adjustments for the upcoming year. A quick check now can save money and stress later.
What You Can Do During This Window?
- Switch between Medicare Advantage (Part C) and Original Medicare.
- Change your Medicare Advantage plan.
- Join, drop or change a Part D drug plan.
- Changes take effect January 1.
What Can You Usually Not Do Here?
Medigap (also called Medicare Supplement) follows different rules in many states. You can shop anytime, but you may need to answer health questions outside special periods. Ask a licensed agent about your state.
Start With Your ANOC Letter
Your plan sends an Annual Notice of Change each year in the fall. Check next year’s premium, co‑pays, drug list, and network. If your doctors or medicines are not covered the same way, it may be time to compare.
How to Review Smartly?
Create a simple list of your doctors, clinics, and medications. Confirm they’re in the network and on the plan’s drug list for next year. Look beyond the premium. Check the deductible, co‑pays, and the plan’s yearly out‑of‑pocket limit.
Avoid These Common Mistakes
- Auto‑renewing without checking changes.
- Choosing a plan based only on the premium.
- Ignoring travel needs if you spend time in another state.
- Missing the deadline.
Your Quick Checklist
- Read your ANOC.
- Update your doctor and drug list.
- Compare at least two plans.
- Note total yearly costs, not just monthly.
- Enroll by December 7.
Open Enrollment is your once‑a‑year tune‑up. A careful review helps you stay informed, manage your doctor's appointments, and avoid unexpected costs. If you want help, talk to us as we can compare options with you.
