Medicare Annual Enrollment for Coverage in 2025
Annual Enrollment starts on Tuesday, October 15, 2024 and ends on Saturday, December 7, 2024
Annual Enrollment is the time when you can join or change your stand-alone Part D prescription drug plan or Medicare Advantage plan for next year. Medicare and HICAP strongly recommend that you review your prescription drug plan or Medicare Advantage Plan every year. You could save money, get better coverage, or both.
New prescription drug and health plan choices are offered every year. Moreover, plans can and do make changes to their list of covered drugs, provider networks, benefits, copays and more. Your needs may have changed too. You may be treated for a new condition or take a new medication that may be more optimally covered by a different plan. According to a recent Forbes article, 90% of those surveyed were not in the most cost-effective Medicare plan for their prescriptions. Don’t be caught off guard when you go to the pharmacy or doctor next year and find that your drug or service isn’t covered or has a higher copay!
We are anticipating more plan changes than usual in 2025
This year it is more important than ever before to carefully read and save any Annual Notice of Change (ANOC) documents you receive. These documents tell you about drugs that have coverage changes, provider changes, premium increases, etc.
Read this article for more information on the importance of ANOCs.
We may be able to help you save money during Annual Enrollment
In prior years we have saved beneficiaries a significant amount by helping them find lower cost prescription drug plans.
Here are some examples:
- Mrs. B saved $3900 due to one drug being dropped from her current plan’s formulary.
- Mrs. K saved $4400 due to one drug being reclassified into a higher tier.
- Mr L saved $9780 due to two out of his ten drugs being dropped from his current plan’s formulary.
We saved many others lesser amounts, in some cases about $100, others several hundred or thousands.
Links to 2025 Annual Enrollment Period Information
Attend a Community Talk to learn about Medicare changes for next year.
This year we are offering many “In-person Talks” at locations around the County. We also offer one “Virtual Talk” using ZOOM Video Conferencing.
Attend one of our Counseling Events to get one-on-one counseling.
During these events we can help you review and change your drug or health plan to make sure it’s the best fit for you as well as help with any regular Medicare issue.
Get information on Medicare Advantage Plans for 2025.
Or, see the Medicare Advantage Plans for people on Medicare and Full Medi-Cal.
And, learn how to choose a Medicare Advantage Plan.
Review Changes and Highlights for 2025 Prescription Drug Plans
See all the Part D Drug Plans available in 2025.
Learn about Medicare’s Plan Finder Tool, to help you select the best Medicare Advantage Plan or Prescription Drug Plan.
See changes for MAPD plans, and options you have to switch to a Medigap Plan.
See more details about options and deadlines to switch to a Medigap
And learn more about Medigap Plans.
2025 Part B Medicare Premiums are COMING SOON.
Or download all of our Annual Enrollment Period materials and handouts.
Below are key dates related to annual enrollment.
Annual Enrollment Calendar: Dates to help you plan
By September 30, 2024: Notice of Creditable Coverage
If you have drug coverage through an employer/union or other group health plan, your plan must tell you whether or not your drug coverage is creditable by September 30.
By October 1, 2024: Plan Annual Notice of Change (ANOC)
You’ll get a notice from your current plan by October 1 that explains any 2025 formulary, benefit design, and/or premium changes.
NOTE: We anticipate many changes in plans for 2025.
Please carefully read and save any ANOC you receive. Read this article for more information.
October 1, 2024: Plans start marketing for 2025 Coverage
Watch for information on TV and in your mailbox from plans in your area.
October 1, 2024: New 2025 plan information is on medicare.gov
By October 15, 2024: Plan Annual Evidence of Coverage (EOC): You’ll get a notice from your current plan with details about what the plan covers, how much you pay, and more.
October 15, 2024: ANNUAL ENROLLMENT PERIOD STARTS
First day you can change your coverage for 2025.
December 7, 2024: ANNUAL ENROLLMENT PERIOD ENDS
Last day you can make changes to your current Medicare Advantage or Prescription Drug plan or join a new plan for 2025.