Medicare Advantage
Join, drop, or switch Medicare Advantage plans, including options with or without prescription drug coverage.
October 15–December 7 each year
Medicare Annual Enrollment: What Should You Do Next?
Start with what matters to you. Learn what can change during AEP, then see whether a planning conversation with our office is the right next step.
Coverage changes generally start January 1
No contact details needed for the next-step check
Is an appointment a good fit?
A clear next step starts with your question.
Our appointments focus on your overall Medicare coverage. We help you compare coverage paths and consider doctors, prescription coverage, costs, and how you use care.
A planning call may help when:
- Your Medicare Advantage coverage is changing and you want to explore your options.
- You are weighing Medicare Advantage against Original Medicare and a possible Supplement.
- You want to understand how the pieces of your Medicare coverage fit together.
Prescription coverage is included in full Medicare planning. If you want to compare only a standalone Part D drug plan, we will point you toward Medicare.gov.
We can help only where we are licensed. Plan availability also varies by location.
Your selections stay on this page. We do not save them or send them to our office or analytics.
Your next step
A Medicare planning call may be a good fit.
We can help you evaluate your overall coverage, including provider access, prescription coverage, costs, and the tradeoffs between your options.
If you are considering a Supplement, we will discuss timing and eligibility before you make a coverage change. Available plans and enrollment options depend on your situation.
Your next step
Find Medicare guidance in your state.
We are not currently licensed in the state you selected. Your State Health Insurance Assistance Program (SHIP) can help you find local Medicare counseling.
Your next step
Use Medicare.gov to compare Part D plans.
If you are looking only for a standalone prescription drug plan, Medicare.gov Plan Finder is a useful place to compare options. You can enter your medications and pharmacies there.
Our appointments focus on your overall Medicare coverage, with prescription coverage included as part of that planning.
For assistance using Medicare.gov, call 1-800-MEDICARE (1-800-633-4227).
Your next step
Let's plan your transition to Medicare.
If you are starting Medicare or leaving employer coverage, schedule a Medicare planning appointment with us. We will help you understand your enrollment timeline, coordinate the transition from your current coverage, and compare your Medicare options.
You do not need to wait for AEP to talk with us. Your enrollment timing depends on your situation.
Your next step
Let's talk through where to start.
You do not need to have it all figured out before reaching out. Schedule a 25-minute intro call or call our office. We will talk through your questions and help you understand the next step for your Medicare coverage.
Understand the enrollment window
What can change during AEP?
Depending on your current coverage and eligibility, the fall enrollment window allows several kinds of changes.
Your coverage path
Switch between Original Medicare and Medicare Advantage. Consider how provider access, plan rules, and costs would change.
Prescription drug coverage
With Original Medicare, join, switch, or drop a standalone Part D drug plan.
AEP runs October 15–December 7. Changes generally take effect January 1 of the following year. See Medicare.gov's enrollment rules (opens in a new tab).
Before you decide
Look at what is changing, and what matters to you.
Read your plan's Annual Notice of Change. It describes next year's coverage and cost changes so you can consider whether your plan will still meet your needs.
Learn about the Annual Notice of Change (opens in a new tab).
- Doctors and hospitals. Check the providers and locations that matter to you.
- Prescription coverage. Consider covered medications, pharmacy options, and total estimated costs.
- The full cost picture. Look at premiums, deductibles, copays, and out-of-pocket exposure.
- How you use care. Consider networks, referrals, prior authorization, and travel.
Two timing points worth knowing
Different Medicare decisions have different rules.
Medicare Supplements have separate rules.
AEP does not automatically give you a right to buy a Medicare Supplement without health questions. Acceptance, pricing, and underwriting can depend on your circumstances and state protections.
Starting Medicare follows its own timeline.
If you are first becoming eligible or leaving employer coverage, your enrollment timing may be different from AEP. Understand your Part A and Part B deadlines before deciding to wait.
Find your appointment next step so we can help you plan your transition. See Medicare's initial enrollment timing rules (opens in a new tab).
A few common questions
Do I have to change plans during AEP?
No. After reviewing your options and upcoming changes, you may decide to keep your current coverage if it remains available and meets your needs. Pay attention to any plan notices that require action. Medicare's yearly review guide (PDF) (opens in a new tab) explains what to consider.
Can I book an appointment just to compare Part D plans?
Our planning appointments address your overall Medicare coverage. For a comparison focused only on a standalone Part D drug plan, use Medicare.gov Plan Finder (opens in a new tab) or call 1-800-MEDICARE. We include prescription coverage when helping you evaluate your broader Medicare options.
What should I prepare for a planning appointment?
Have your current coverage information, any plan change notices, and your main questions ready. If we need doctor or prescription details, our office will direct you to the secure questionnaire. Please do not send those details through regular email.