Annual open enrollment for Medicare runs from October 15th through December 7th. This is the time that Medicare beneficiaries can amend their health and prescription plan coverage for 2025. Plan changes take effect on January 1, 2025.

Take the time to compare

It is not easy to change your health insurance plan, so the path of least resistance may be to just stick with what you have, and your plan automatically renews. However, keep in mind that insurance plans change every year, and what you need may have changed. For example, your specialty drug may no longer be covered, your preferred doctor may no longer accept your plan, or the cost may have increased. Make the time to compare to make sure you have the plan you need, and you may save money next year.

Beware of fraudsters

If you are looking around during open enrollment, there is an increased risk for fraudulent activity. Medicare has rules for plans as to how they can market their insurance options to you. Plans may send you emails; however, plans are not permitted to call or visit you in person without your permission. If you believe you have experienced a potential marketing violation, contact your local SMP (Senior Medicare Patrol).

Ways to find your options

Explore your Medicare coverage options by going to Medicare 2025 plan options. You may create an account and log in or just use your zip code, county, and type of plans to start your research. If you are not comfortable using the computer, contact 1-800-MEDICARE (1-800-633-4227) or your State Health Insurance Assistance Program, for help in plan comparison. Print out the Supplemental Handout at the end of Medicare’s Open Enrollment Period and use it as a guide. Medicare also has a Fact sheet that details the times during and circumstances under which you can sign up for, or change, your plan.

Listen and view Medicare Open Enrollment: Considerations for more.