How to Choose the Right Medicare Plan Before Open Enrollment Ends 

Medicare Open Enrollment runs from October 15 through December 7 each year, and the plan you choose takes effect January 1. Now is the time to review your options before the window closes. A little preparation makes it easier to find coverage that fits your health needs and budget.

Understand Your Medicare Options

Medicare comes in several forms, and the differences matter. Original Medicare includes Part A for hospital coverage and Part B for medical services. Medicare Advantage (Part C) bundles these together and may include prescription drug coverage, dental, and vision. Part D adds standalone prescription drug coverage to Original Medicare. Each option carries different costs, networks, and rules, so compare them side by side before you choose.

Review What Changed Since Last Year

Plans can adjust their premiums, formularies, and provider networks from one year to the next. Before assuming your current plan still works for you, check for any changes by reviewing your Annual Notice of Change, which your plan is required to mail to you each fall.

Key Questions to Ask Before You Enroll

Start with these questions:

• Do your current doctors and specialists accept the plan?
• Are your prescriptions covered under the plan’s formulary?
• What are the out-of-pocket costs beyond the monthly premium?
• Do you need coverage for dental, vision, or hearing services?
• Is there a referral requirement to see specialists?

Get Help Choosing a Plan

Choosing a Medicare plan affects what you pay for care all year. Contact Oak Knoll Insurance & Tax to speak with an independent agent who can explain your options and find coverage that fits your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.