Medicare Open Enrollment runs from October 15 through December 7 every year. During this time, anyone with Medicare can make changes to their health or prescription drug coverage. Any updates you make will take effect on January 1 of the following year.

If your needs or medications have changed, this is your chance to adjust your coverage to fit your current situation. Even if you’re happy with your plan, it’s still a good idea to review it each year since premiums, copays, and benefits can change. When you take the time to compare your options now, it can save you money and help you stay covered the way you want later.

What You Can Change During Open Enrollment

Open Enrollment gives you flexibility to make updates that better match your health and budget. You can switch from Original Medicare (Parts A and B) to a Medicare Advantage Plan (Part C), or go back to Original Medicare if you’re already enrolled in an Advantage plan. You can also change from one Medicare Advantage plan to another, or add, drop, or change your Part D prescription drug plan. If your current plan no longer covers your preferred doctors or prescriptions, now is your time to switch. A review session with Roses Insurance Group can help you understand and compare your options before the deadline.

How to Review and Compare Your Current Coverage

Start by checking what you’re paying now and what you’re getting for it. Review your premiums, deductibles, and copays, along with your prescription coverage. Next, make sure your doctors and preferred hospitals will remain in your plan’s network for the next year. Look at how often you used your coverage this year and whether you expect different needs next year. You can also compare how each plan handles out-of-pocket costs and extra benefits like dental, vision, or hearing care. When you work with Roses Insurance Group, you can compare multiple plans side by side and make confident, informed decisions about your 2025 coverage.

Special Enrollment Periods (SEPs)

Special Enrollment Periods allow you to make changes outside the annual Open Enrollment window when specific life events occur. Some of these life events include moving to a new service area, losing employer coverage, or becoming eligible for Medicaid or Extra Help with prescription costs. Each situation has its own rules and deadlines, so it’s best to act quickly after a qualifying life event. Roses Insurance Group can explain whether you qualify for a Special Enrollment Period and guide you through the process of updating your coverage.

Common Medicare Enrollment Mistakes to Avoid

A few simple enrollment errors can cause big problems later. Do your best to avoid the following common mistakes as you enroll to prevent frustration or gaps in coverage:

Missing the Open Enrollment Deadline: If you fail to make your changes by December 7, you’ll have to wait until next year.
Assuming Your Plan Stays the Same: Plans often update premiums, copays, or networks from year to year. Always check these details before choosing.
Ignoring Prescription Changes: Your plan’s covered drug list might change, so remember to confirm that your medications will still be covered.
Not Reviewing Provider Networks: Make sure your doctors, specialists, and hospitals will remain in-network to avoid higher out-of-pocket costs.
Skipping a Professional Review: A licensed insurance advisor can catch details that might otherwise get overlooked.

How Roses Insurance Group Can Help

At Roses Insurance Group, our goal is to make Medicare enrollment simple and stress-free. Our Tucson-based team can explain the difference between Original Medicare and Medicare Advantage, compare plans from multiple insurers, and verify that your doctors, prescriptions, and hospitals are covered. We break down all potential costs and benefits for you so you know exactly what to expect before you choose. With us, you’ll always get clear, honest advice from a local team that cares about your long-term health and peace of mind.

What You Can Change During Open Enrollment

How to Review and Compare Your Current Coverage

Special Enrollment Periods (SEPs)

Common Medicare Enrollment Mistakes to Avoid

A few simple enrollment errors can cause big problems later. Do your best to avoid the following common mistakes as you enroll to prevent frustration or gaps in coverage:

Missing the Open Enrollment Deadline: If you fail to make your changes by December 7, you’ll have to wait until next year.

Assuming Your Plan Stays the Same: Plans often update premiums, copays, or networks from year to year. Always check these details before choosing.

Ignoring Prescription Changes: Your plan’s covered drug list might change, so remember to confirm that your medications will still be covered.

Not Reviewing Provider Networks: Make sure your doctors, specialists, and hospitals will remain in-network to avoid higher out-of-pocket costs.

Skipping a Professional Review: A licensed insurance advisor can catch details that might otherwise get overlooked.

How Roses Insurance Group Can Help