Amy Noone
Medicare Open Enrollment Is Here. Are you confident you have the right Medicare coverage for 2027?
Medicare plans and benefits can change each year, and the coverage that worked for you this year may not be the best fit for next year.
The Annual Enrollment Period is your opportunity to review your Medicare coverage and make changes for the upcoming year. Whether you have a Medicare Advantage plan, a Medicare Supplement plan with Part D, or simply want to ensure your current coverage still meets your needs, I’m here to help.
Sign up for one of my live webinars below to learn more and prepare for the year ahead.
Register For One of My Live AEP Webinars
Want to learn more about AEP for 2027? Click below to register for one of my live webinars.
What you need to know about the Medicare Annual Enrollment Period (AEP)
Late September – Watch for your Annual Notice of Change (ANOC) from your Part C or D plan provider.
October 1st – 2027 Parts C and D plan information becomes available.
October 15th – AEP begins (2027 enrollments may be submitted).
November 25th to November 30th – Thanksgiving holiday.
December 7th – Last day for enrollment calls or meetings with me.
Note: Meetings come on a first come, first serve basis, so schedule your appointment early as my appointment spots fill up quickly!
December 7th – Final deadline for all enrollment submissions.
January 1st – New coverage begins.
What is the Annual Enrollment Period (AEP)?
The Annual Enrollment Period is the one time of the year that allows all Medicare enrollees to change their existing Medicare coverage. This enrollment period runs annually from October 15th – December 7th.
Changes you can make during AEP include:
✓ Change from Original Medicare to a Medicare Advantage plan
✓ Switch from a Medicare Advantage plan to Original Medicare
✓ Switch from a Medicare Advantage plan to another Medicare Advantage plan
✓ Enroll in a Part D prescription drug plan
✓ Switch your Part D prescription drug plan
✓ Drop your Part D prescription drug plan
What is an Annual Notice of Change (ANOC)?
If you are currently enrolled in a Medicare Advantage (Part C) or a stand-alone Medicare Prescription Drug Plan (Part D), every September you will receive your Annual Notice of Change (ANOC), which outlines any changes to your benefits for the upcoming year. You will receive this notification either by mail or email, depending on how you’ve agreed to receive plan communications.
Potential changes to your benefits can include:
✓ Change in your plan’s premiums, deductibles, copays and coinsurance
✓ Changes in network providers
✓ Changes in services areas
✓ Changes in Part D formulary, tier and cost-sharing
What changes can you make to your Medicare Advantage plan?
- Add, drop or switch your stand-alone Part D prescription drug plan
- Change from one Medicare Advantage (Part C) plan to another
- Change from Original Medicare to Medicare Advantage
- Change from Medicare Advantage to Original Medicare (note: please contact us directly for more important information regarding this type of change, especially if you have a Medicare Advantage plan that is leaving the market).
What about Medicare Supplement plans?
Changes to Medicare Supplement plans (‘Medigap’) are not part of the Medicare Annual Enrollment Period.
If you have a Medicare Supplement plan:
- you will automatically remain enrolled in your current plan as long as your premiums are paid;
- changes may potentially be made to this coverage throughout the year, depending on your state and circumstances;
If you are considering a Medicare Supplement review, please contact me directly by email so that we can discuss your individual situation, options and timing.
This video is provided solely for the educational purpose of showing how someone can use the Medicare Plan Finder to identify available prescription drug plans during the annual enrollment period for the 2027 plan year. This video will not discuss or comment on any particular plan and any mention of a plan by name is solely for educational purposes. Any content spoken or displayed is for educational purposes only, and none of this is intended to be interpreted as advice for selecting a plan.
Frequently Asked Questions
All current Medicare Advantage (Part C) and stand-alone prescription drug (Part D) plan members should watch closely for the Annual Notice of Change, or ANOC, document from their current plan provider. Carefully review any changes to your current plan for the year ahead, watching for changes in costs (e.g., premiums, deductibles, cost-sharing amounts and annual maximums), as well as for changes to covered medications and participating providers. If you find that you may be impacted by changes to your plan, or if your health and prescription needs have changed since we last met, a plan review is recommended.
This enrollment period does not apply to Medicare Supplement (‘Medigap’) plans; we can discuss these plans with you throughout the year.
If you find that your current plan will continue to work well for you in the year ahead, then no action is needed – you will automatically remain in that plan for 2027 if you do not make a change. If you’d like to let us know that you won’t be making any changes, we’ll make a note of that so that we can stay up to date on your coverage.
If you find that you’d like to make a change to your coverage after 12/7, unfortunately you will have to wait; you will remain enrolled in your 2026 coverage in 2027, and you will not be able to make any changes until the next appropriate enrollment period arrives. Please contact us directly if this occurs, and we will help you determine when the next available enrollment period will open for the change that you’d like to make.
We would be pleased to assist you with any needed changes for the plans we represent, and doing so makes us your ‘agent’ for that coverage, at no additional cost to you, so that we can provide assistance with utilizing that coverage if needed. If you choose to make a plan change without working with us, unfortunately we will not have any ability to follow up on your enrollment, and we will not be authorized to provide guidance or assistance with that coverage in the year ahead.
During AEP you’re likely to see a large increase in Medicare marketing efforts, to include many phone calls from plan providers seeking your enrollment. While you will never actually receive a call from Medicare itself, you will likely receive many from callers representing Medicare plans, and they may catch and keep your attention with appealing features for which you may or may not be eligible. The best rule of thumb for handling these calls is to keep in mind that ‘if it sounds too good to be true, it probably is,’ and we’d be happy to clarify whatever we can, with the goal that any changes you might make are thoroughly understood and intended.
Dental, Vision and Travel
If you’re on Original Medicare and want to add dental, vision and/ or travel, click below for your options.
