Medicare Annual Enrollment Season Is Here: What You Need to Know Before You Enroll

As the weather starts to cool down, Medicare beneficiaries should begin preparing for one of the most important times of the year: Medicare Annual Enrollment Period (AEP).

Each year, from October 15 through December 7, Medicare beneficiaries have the opportunity to review their current coverage and make changes for the upcoming year. Even if you’re happy with your current plan, it’s important to take a fresh look at your options because benefits, premiums, provider networks, and prescription drug coverage can change from year to year.

 

Why Reviewing Your Coverage Matters

Many people assume that if they liked their plan this year, it will continue to meet their needs next year. Unfortunately, that isn’t always the case.

Plans can change:

• Monthly premiums

• Prescription drug formularies

• Deductibles and copays

• Provider networks

• Extra benefits such as dental, vision, hearing, transportation, and fitness programs

A plan that worked well this year may not be the most cost-effective option next year.

Who Should Review Their Medicare Coverage?

The short answer is: everyone.

You should especially schedule a review if:

• You started taking new medications this year

• Your doctor has retired or changed networks

• You moved or plan to move

• You experienced higher healthcare costs than expected

• You want more benefits such as dental, vision, or hearing coverage

• You are turning 65 and becoming Medicare-eligible

Prescription Drug Costs Continue to Be Important

One of the biggest reasons to review your coverage each year is prescription drug coverage.

Even a small change in a plan’s formulary can impact what you pay at the pharmacy. During AEP, we can compare your medications across available plans to help determine whether another option may offer lower costs or better coverage.

Don’t Wait Until the Last Minute

Every year, many Medicare beneficiaries wait until late November or early December to review their plans. By scheduling your review early, you’ll have more time to understand your options and make a confident decision before the December 7 deadline.

Early appointments also help avoid the year-end rush when appointment availability becomes limited.

How Harper Insurance & Benefits Can Help

At Harper Insurance & Benefits, we believe Medicare doesn’t have to be confusing.

We’ll help you:

• Review your current coverage

• Compare plans available in your area

• Check your doctors and hospitals

• Review your prescription medications

• Understand premiums, copays, and out-of-pocket costs

• Determine whether your current plan is still the right fit

Our goal is to help you make an informed decision based on your unique healthcare needs and budget.

Harper Insurance & Benefits

Helping individuals, families, and Medicare beneficiaries find coverage with confidence.

📞 Contact us today to schedule your Medicare review before the Annual Enrollment Period deadline.