Checklist for 2025 Medicare Annual Enrollment Period

Checklist for 2025 Medicare Annual Enrollment Period



It’s important to review your Medicare coverage every year before Medicare Annual Enrollment begins. If you’re a senior preparing for open enrollment, this simple checklist can guide you as you prepare to review your plan options.


Look for Your Annual Notice of Changes (ANOC)

Medicare plans often change from year to year. Your current plan will send an Annual Notice of Changes (ANOC), which explains updates to costs, coverage, and benefits. 

Review this carefully, as these changes may impact your healthcare needs in 2025. If you don’t receive this notice, contact your plan directly.


Know the Timeframes


October 1st: Medicare plan information for 2025 becomes available. This is when you can begin reviewing the different plans and comparing their benefits.


October 15th: The official start of the Annual Enrollment Period. From this date, you can change your Medicare plan, switch from Original Medicare to Medicare Advantage, or adjust your Part D (prescription drug) coverage.


December 7th: The last day to make changes for the upcoming year. After this date, you’ll be locked into your plan for 2025 unless you qualify for a Special Enrollment Period.


Get Your Prescription List Ready

Many plans offer different coverage for prescription drugs, so it’s essential to have an up-to-date list of all your medications. 


Our office can assist you with an easy-to-complete electronic questionnaire or help you over the phone. By having your medication list ready, you’ll be better prepared to find a plan that covers your needs.By having your medication list ready, you’ll be better prepared to find a plan that covers your needs.


Check Your Doctors and Providers

If you’re considering switching plans, confirm that your doctors, specialists, and other healthcare providers are included in the plan’s network. 


In-network providers typically mean lower costs for services, so it’s crucial to ensure your trusted providers are covered under any new plan you choose.


Expect Changes in 2025

Medicare costs can fluctuate each year. Premiums, deductibles, and out-of-pocket costs may increase in 2025. While some benefits may improve, it’s important to be aware of potential cost increases so you can plan accordingly.


Develop a Budget

With potential increasing cost & inflation, it’s wise to create a healthcare budget for 2025. Include premiums, copayments, medications, and any other out-of-pocket expenses. If you’re unsure how to budget for healthcare, our team can help you review your plan options and develop a financial plan that fits your needs.


For more help, contact one of our agents at Choice City Health. We’re here to make the process as smooth as possible!

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SNP Benefits and Features SNPs offer several features that differentiate them from standard Medicare Advantage Plans: Customized Benefits: SNPs may include services like case management, disease-specific education, and access to specialists aligned with the member’s condition. Coordinated Care: Members are typically assigned a care coordinator to help manage treatments, medications, and appointments across multiple providers. Integrated Services: Especially in D-SNPs, plans often integrate Medicare and Medicaid services, which can simplify care in some areas. Prescription Drug Coverage: All SNPs must provide Medicare Part D coverage with formularies designed to meet the medical needs of their member population. When is Enrollment for an SNP? Enrollment in an SNP can occur during standard Medicare enrollment periods: Initial Enrollment Period (IEP) Annual Enrollment Period (AEP): October 15 to December 7 each year Open Enrollment Period (OEP): January 1 to March 31 (for those already enrolled in a Medicare Advantage plan) Special Enrollment Periods (SEPs) may also apply. For example, individuals who newly qualify for Medicaid or are diagnosed with a chronic condition that makes them eligible for a C-SNP may be able to join an SNP outside of the standard periods. Not all SNPs are available in every region. Plan offerings vary by county and state, and each plan has its own list of covered services and provider networks. It is important to compare available plans to determine whether a specific SNP meets your healthcare needs and eligibility. Contact one of our licensed insurance agents today for more information about SNPs or to see if a SNP could benefit you or any questions regarding Medicare Advantage Plans. We do not offer every plan available in your area. Currently, we represent 7 organizations that offer 58 products in your area. Please contact Medicare.gov , 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Not connected with or endorsed by the U.S. government or the federal Medicare program.
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