The Medicare annual enrollment period (AEP) is in full swing but ends on December 7th. If you’ve already enrolled and are receiving coverage, now is the time to review your current plan and make any necessary adjustments for 2025.
With only a few days left, you need to act quickly to make sure your health coverage continues to meet your needs. At Absolute Best Insurance, we’re here to help you evaluate your options and make any changes—all at no additional cost.
What Is the Medicare Annual Enrollment Period?
The AEP is a yearly window for anyone who is already enrolled to make changes to their existing coverage. This period runs from October 15th to December 7th, with changes taking effect on January 1st, 2025.
If your current plan doesn’t meet your needs, this is the time to explore other options and get better coverage for the coming year.
It’s Important to Act Now
With the December 7th deadline approaching, time is running out to review your plan. Waiting too long could mean staying locked into coverage that doesn’t fully support your health or financial situation. This is especially important if:
- Your health needs have changed.
- Your medications are no longer covered under your current plan.
- Your provider network has shifted.
- Your monthly costs have increased.
| “Making these decisions can seem a little intimidating, but our team is here to simplify the process and guide you through your options,” |
| – Stacy Murphy, Owner/Operator of Absolute Best Insurance |
What Changes Can You Make During AEP?
AEP is the only time outside of special enrollment periods when you can make specific adjustments to your plan. Here are the main changes you can make:
- Switch Medicare Advantage Plans: This is also called the Part C plan. Compare available options to find a plan that better aligns with your needs, including coverage benefits, provider networks, and costs.
- Enroll in or Change Part D Plans: Prescription drug plans can change each year, so review your current plan to ensure it still covers your medications at a reasonable cost.
- Return to Original Medicare: If you’re unsatisfied with your Medicare Advantage plan, you can switch back to Original Medicare.
- Move to a Part C Plan: If you currently have Parts A and B, you can explore Part C plans that may offer additional benefits like dental, vision, and hearing coverage.
At Absolute Best Insurance, our agents are well-versed in the choices available based on where you live and can help you identify the plan that’s best for your situation.
How to Review Your Plan
Before making changes, take time to evaluate your current plan and how it’s working for you. Here are some key factors to consider:
It starts with health insurance coverage through Parts A, B, and D, each covering different services. Part A focuses on inpatient care, Part B handles outpatient care and preventative services, and Part D covers prescription drugs.
Additionally, Part C plans bundle these benefits with added perks, and supplemental policies to help you manage out-of-pocket expenses.
- Coverage Needs: Does your plan cover the services and medications you regularly use? If not, it might be time to switch.
- Costs: Review your premiums, deductibles, and out-of-pocket maximums. Look for plans that offer better value without sacrificing coverage.
- Provider Network: Check if your preferred doctors, specialists, and hospitals are still in-network.
- Additional Benefits: Part C plans may offer extras like fitness memberships, telehealth services, or transportation to medical appointments.
“Our clients often find that even small adjustments can make a big difference in their coverage and costs,” says Stacy Murphy. “We take the time to walk them through every detail to ensure they’re confident in their decision.”
Common Questions About the AEP
What happens if I miss the Medicare annual enrollment period?
If you miss the AEP deadline, you’ll generally have to wait until the next annual enrollment period in October 2025 to make changes to your plan. However, you may qualify for a special enrollment period due to life events such as moving or losing other coverage.
Can I make multiple changes during AEP?
Yes, you can make multiple changes during AEP, but only your last submitted selection will take effect on January 1st.
How do I know if I need to change my plan?
If you’ve experienced changes in your health or financial situation, or if your current plan’s costs or benefits no longer meet your needs, it’s worth reviewing your options. Contacting an agent can provide clarity and save time.
Why Choose Absolute Best Insurance?
Absolute Best Insurance has been serving South Florida for over 20 years, helping clients make informed decisions about their coverage. We specialize in Medicare plans, Obamacare insurance, life insurance, dental plans, and more. Our team works one-on-one with clients to tailor solutions that match their unique needs.
Here’s what sets us apart:
- Personalized Assistance: Our agents take the time to understand your situation and recommend plans that fit your health and budget needs. Medicare helps coordinate with other health insurance coverage, ensuring costs not covered by your primary insurance are addressed. This flexibility helps you manage your overall healthcare needs effectively.
- Comprehensive Services: From Boca Raton to Port St. Lucie, we provide support for every plan available and other coverage options.
- No Additional Cost: Our services come at no cost to you, and we’re committed to making the enrollment process easy and stress-free.
“Helping clients find the right plan isn’t just about policies—it’s about providing peace of mind,” says Stacy Murphy. “We’re proud to be a trusted partner for so many in our community.”
How to Get Started
With only a few days left in the Medicare annual enrollment period, there’s no time to delay. Contact Absolute Best Insurance today to schedule a review of your plan. Our dedicated agents are here to guide you through the process and help you find the best coverage for 2025.
Call us now or visit one of our offices in Boca Raton, Greenacres, Stuart, Melbourne, or Port St. Lucie.
Let us help you make the most of your coverage before the December 7th deadline. Don’t miss this opportunity to secure the plan that works best for you. Simply click here or give our dedicated agents a call at (561) 420-0280 for a free, no-obligation quote.