Last Updated: November 6, 2023
Medicare’s open enrollment period is October 15 – December 7. There is no charge to review or switch from your current coverage. Coverage elections made during open enrollment become effective on January 1 (as long as the plan gets your request by December 7).
Medicare beneficiaries are encouraged to review prescription drug and health plan coverage to assure they have the best possible coverage for the coming year.
Your current plan may result in much higher costs for prescriptions or for health care that is scheduled to take effect in the new year.
1. Complete a Review of Your Current Plan using Your "Annual Notice of Change"
- If you're in a Medicare Plan, your plan will send you an "Annual Notice of Change" each fall. This document includes any changes in coverage, costs, and more that will be effective in January.
- Check to see if your providers are still available if you renew your plan - sometimes networks change. If you select new coverage, verify your providers are available in that plan.
- Review any additional changes to decide whether the plan will continue to meet your needs in the next year. Pay attention to increased monthly premiums, higher costs or deductibles, and changes in the formulary of covered prescription drugs.
2. Compare Your Current Plan to Other Plans Available in the Area
- Comparing plans is easy: your "Medicare & You" handbook includes the listing of plans offered in the state.
- Explore your Medicare and/or Prescription Drug Plan options by using the Planfinder Tool.
3. Make a Decision
- If you want to change plans, call the plan you want to join. You may also call the Medigap Helpline (1-800-242-1060) or Medicare (1-800-633-4227) for help to enroll.
- If you're satisfied that your current coverage will meet your needs for next year, you don't need to do anything.
4. Stuck? Get FREE, Confidential Help
Need help paying for Medicare?
Your local Aging and Disability Resource Center (ADRC) can help you find programs that may pay for or lower the cost of Medicare.
Find your local ADRC here.
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