Medicare Open Enrollment 2025
This is your ONLY chance to change your Medicare coverage for 2025. Don't wait - plans and costs change every year. Review your options now!
Critical Open Enrollment Timeline
NOW - November 15
BEST TIME to review and compare plans. Full selection available.
November 16 - November 30
GETTING URGENT - Limited time to research and enroll in best plans.
December 1 - 7
FINAL WEEK - Last chance! Plans may be filled. Don't wait!
⚠️ After December 7th, you're LOCKED IN to your current plan for all of 2025!
Why You MUST Review Your Medicare Coverage Now
Plans Change Every Year
- •Premiums increase or decrease
- •Drug formularies are modified
- •Deductibles and copays change
- •Doctor and hospital networks are updated
- •Coverage areas may be eliminated
Cost of Doing Nothing
- •Average premium increases of 6-8% annually
- •Your medications may no longer be covered
- •Your doctors may leave the network
- •Could cost you $2,000-$5,000 extra per year
- •Stuck with bad plan for entire 2025
Major Medicare Changes for 2025
🎉 Part D Out-of-Pocket Cap: $2,000
HUGE CHANGE: You'll never pay more than $2,000 total for prescription drugs in 2025. This eliminates the coverage gap ("donut hole") entirely.
Impact: If you had high drug costs in 2024, this could save you thousands in 2025. But plan costs and formularies are still changing - you need to compare!
💊 Part D Smoothing Program
NEW OPTION: Spread your annual drug costs evenly across 12 months instead of paying large amounts upfront.
Example: Instead of paying $500 in January for expensive drugs, pay ~$42/month throughout the year.
📈 Premium Changes
Medicare Part B premium increases to $185/month for most beneficiaries (up from $174.70 in 2024).
Annual Impact: Additional $123.60 per year in Part B costs for most Medicare beneficiaries.
What You Can Change During Open Enrollment
Medicare Advantage
- • Switch between MA plans
- • Move to Original Medicare
- • Add or drop MA coverage
Part D Drug Plans
- • Switch Part D plans
- • Add Part D if you have none
- • Drop standalone Part D
Medigap Policies
- • Add Medigap if eligible
- • Switch Medigap plans
- • Change coverage levels
Coverage Combinations
- • Original Medicare + Part D
- • Medicare Advantage with drugs
- • Mix and match coverage
Your Open Enrollment Action Plan
Review Your Current Situation (Do This Week)
- •Check 2024 plan performance and costs
- •List all current medications and dosages
- •Note your preferred doctors and hospitals
- •Review your 2025 Annual Notice of Change
- •Calculate total 2024 healthcare spending
- •Identify any coverage gaps or problems
Compare 2025 Options (Next Week)
Use Medicare.gov Plan Finder OR get free expert help to compare all available options:
DIY Comparison:
- • Use Medicare Plan Finder tool
- • Enter all your medications
- • Compare total annual costs
- • Check doctor/pharmacy networks
Expert Assistance:
- • Free consultation with licensed agents
- • Comprehensive plan comparison
- • Personalized recommendations
- • Enrollment assistance
Make Your Decision and Enroll (Don't Wait!)
⚠️ Don't procrastinate! Plans can reach capacity or be discontinued.
- •Choose the plan with the lowest total cost for YOUR situation
- •Enroll online, by phone, or with agent assistance
- •Get confirmation of enrollment and effective dates
- •Mark calendar for next year's Open Enrollment
Don't Risk Your Health and Money in 2025!
Get a FREE Medicare plan review and comparison from our licensed experts. We'll find the plan that saves you the most money for 2025.
✅ Licensed Medicare specialists
✅ Compare ALL available plans
✅ 100% FREE service - No hidden fees
✅ Help with enrollment process
Don't Make These Costly Open Enrollment Mistakes
❌ "My plan is fine, I don't need to look"
Plans change EVERY year. Your "good" 2024 plan might be terrible for 2025.
❌ "I'll just pick the cheapest premium"
Lowest premium often means highest out-of-pocket costs. Total cost is what matters.
❌ "I have time, I'll do it later"
Good plans fill up. Popular doctors reach patient limits. Don't wait until December!
✅ Review plans EVERY year
Even if you're happy, check for better options and confirm nothing changed.
✅ Calculate total annual costs
Premium + deductible + copays + coinsurance = your real cost comparison.
✅ Start early, enroll by mid-November
Best selection and time for thorough comparison. Avoid the December rush!
Essential Open Enrollment Resources
📋 Open Enrollment Checklist
Step-by-step checklist to ensure you don't miss anything important
📈 2025 Medicare Changes
Complete guide to all Medicare changes and updates for 2025
🔍 Plan Comparison Tool
Compare Medicare plans side-by-side for your specific needs
🏥 Medicare Advantage Guide
Everything you need to know about Medicare Advantage options
💊 Part D Drug Plans
Comprehensive guide to Medicare Part D prescription coverage
💰 Extra Help Program
Save thousands with Medicare Extra Help prescription assistance
Your Medicare Coverage Affects Your Health and Wallet
Don't leave thousands of dollars on the table or risk losing access to your doctors and medications. Our Medicare experts are standing by to help you navigate Open Enrollment and find the perfect plan for 2025.
Licensed Medicare specialists • Free service • Available 7 days a week during Open Enrollment