Your Medicare Plan Questions, Answered Before December 7

What can I actually change during open enrollment?

Medicare open enrollment is the window each fall when you can review your coverage and make changes for the coming year. It ends on December 7.

During this time you can switch between Original Medicare and a Medicare Advantage plan. You can also join, drop, or switch a Medicare drug plan (Part D). If your current plan still fits your needs, you do not have to do anything.

The point is simple: it is your yearly chance to make sure your plan still works for your health and your budget.

Why should I review my plan if I am happy with it?

Plans change every year. The drugs a plan covers, the doctors in its network, and the costs you pay can all shift.

Even if you like your plan, a quick review can catch changes that might cost you more next year. Your health needs can change too. A plan that fit last year may not be the best fit now.

Reviewing your options is free. It costs you nothing to look, and it could save you money.

Where can I get free help?

You do not have to figure this out alone. Every state has a State Health Insurance Assistance Program (SHIP) that offers free, unbiased counseling about Medicare.

SHIP counselors do not sell insurance and do not earn commissions. Their job is to help you understand your choices. This help is free.

Be careful with callers or mailers that pressure you to switch plans or ask for payment to help you enroll. The official Medicare path is always free. You never need to pay a private company to use your benefits.

Frequently asked questions

When does Medicare open enrollment end?

Open enrollment ends December 7. Any changes you make take effect the following year.

Do I have to change my plan?

No. If your current plan still fits your needs and budget, you can keep it. Open enrollment is a chance to review, not a requirement to switch.

Does it cost money to get help with Medicare?

No. The official Medicare tools and SHIP counseling are free. You never need to pay a private company to review or change your coverage.

How do I avoid Medicare scams?

Be cautious with anyone who pressures you, asks for payment to enroll you, or requests personal details out of the blue. Use the official Medicare website and free SHIP counselors instead.