📅 Oct 15 – Dec 7 Annual Enrollment Period
Medicare Annual Enrollment Is Open —
Are You in the Right Plan?
October 15 – December 7 is your only chance to switch Medicare plans for next year. Compare your options with a licensed advisor — at no cost to you.
The Medicare AEP Timeline
Know the key dates so you don't miss your window.
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Sept 1
Plan mailings arrive — review carefully
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Oct 15
AEP opens — you can switch plans now
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Nov 15
Best time to switch — most data available
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Dec 7
AEP closes — last day to make changes
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Jan 1
New plan begins — changes take effect
Compare Your Medicare Options
Three main approaches — each with different costs, networks, and coverage levels.
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Medicare Advantage
Monthly cost$0–$150/mo
NetworkHMO/PPO — must use network
Out-of-pocket max$3,000–$8,850/yr
Drug coverageUsually included
Best forHealthy seniors, low premium priority
Most Flexible
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Medigap / Supplement
Monthly cost$100–$350/mo
NetworkAny doctor that accepts Medicare
Out-of-pocket maxNear zero (covers gaps)
Drug coverageSeparate Part D needed
Best forFrequent care, predictable costs
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Part D (Standalone)
Monthly cost$10–$100/mo
NetworkPharmacy network
Out-of-pocket max$2,000 cap in 2025
Drug coveragePrescription drugs only
Best forAdd-on to Original Medicare or Medigap
Rodney compares every plan in your area — for free — so you don't have to decode this yourself.
5 Reasons to Review Your Plan Every Year
Plans change annually — what was right last year may cost you more in 2026.
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Premiums are changing — many plans increase 10-25% year over year
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Drug formularies change — your medication may move to a higher cost tier
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Network changes — your doctor or hospital may no longer be in-network
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New plans available — better coverage at lower cost may have entered your area
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Life changes — moved, new health conditions, or change in prescriptions
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Download Medicare Made Simple: Your 2026 Guide
The complete breakdown of Medicare plans, AEP timelines, and how to avoid the most costly enrollment mistakes.
Schedule Your Free Plan Review
Rodney will compare your current plan against all available options in your area — at no cost to you. Licensed in 26 states.
Rodney Cummings | NPN: 18847712 | Licensed in 26 States