Should I Change Plans During the Annual Enrollment Period?

October 15 through December 7 might be more important than you think.

You want to be sure your Medicare plan still fits your needs — but reviewing it every year can feel like a hassle.

Maybe your plan worked just fine this year. Maybe you’re used to it. Maybe the thought of sorting through all the new options feels overwhelming. So when Annual Enrollment rolls around in the fall, it’s easy to think:“I’ll just let it renew and keep things simple.”

But that decision — to review or not to review — can make a big difference in what you pay and what’s covered in the year ahead.

Medicare Plans Change Every Year — and Your Needs Might Too

Here’s what most people don’t realize: even if you haven’t changed, your plan probably has.

Drug formularies shift. Premiums go up. Providers leave networks. Benefits are added or removed.

If you don’t take a few minutes to check what’s changing, you might end up paying more, losing coverage for a prescription, or finding out your doctor is no longer in-network.

And that’s frustrating — especially when you had a chance to fix it.

You Don’t Have to Switch Every Year — But You Should Review Every Year

The Annual Enrollment Period (Oct 15 – Dec 7) is your once-a-year opportunity to:

• Switch Medicare Advantage plans

• Switch Part D prescription drug plans

• Drop Medicare Advantage and go back to Original Medicare

• Add a standalone Part D plan if you don’t already have one

You can make changes during this window with no penalties and no health questions.

If your current plan still works for you — great. But if there’s a better fit out there, it’s worth knowing.

How to Approach Annual Enrollment

You don’t have to figure it out alone. We’re here to help you:

• Review what’s changing - attend one of our in-person or virtual workshops for the rundown

• Check your prescriptions, doctors, and benefits

• Compare new options for next year

• Make sure you’re not overpaying — or under-covered

Confidence and Clarity Going Into the New Year

There’s nothing better than flipping the calendar to January and knowing your Medicare plan is exactly where it should be.

A short review now can save you time, money, and stress later.

Bottom Line

Annual Enrollment isn’t just for switching — it’s for making sure your plan still fits.

Even if you end up staying right where you are, a quick review can give you peace of mind. And if a better plan is out there, we’ll help you find it. Find our upcoming workshops on our website under the workshops tab. From there, you can sign up for a time that works well for you!