Medicare Open Enrollment 2025 Checklist: What To Do Before December 7

Your 2025 Medicare Checklist: What to Do by Dec. 7

Medicare Open Enrollment runs from October 15 to December 7, 2025. If you're already enrolled in Medicare, the Open Enrollment period is the time to review and make changes to your current coverage. For those who are turning 65 soon or have recently become eligible, this is also when you can sign up for Medicare if you haven’t already. Medicare changes made during this period take effect on January 1, 2026.

Step-by-Step Medicare Open Enrollment 2025 Checklist

Use this Medicare checklist to ensure you're fully prepared for the 2025 Open Enrollment.

1. Review Your Annual Notice of Change

Each fall, your Medicare plan sends an Annual Notice of Change (ANOC) detailing any modifications to your coverage, including changes in premiums, deductibles, co-pays, and the drug formulary. Read this document carefully to understand how these changes may impact your healthcare costs and access. Failing to review the ANOC can lead to unexpected expenses or disruptions in care.



2. Check for Other Changes in Medicare Benefits

Medicare can update its rules, benefits, and cost-sharing structures each year. Look for announcements regarding changes to preventive services, coverage for hearing, vision, and dental care, as well as any modifications to out-of-pocket spending limits. Staying updated ensures you can make informed decisions based on new benefits or restrictions.

3. Assess Your Prescription Drug Coverage

Even if you're satisfied with your current plan, verify that your medications are still covered and that your plan remains the most cost-effective option. Medicare Part D plans can change their formularies annually, and a plan that was suitable last year may no longer be the best choice.

4. Confirm Your Providers Are in Network

If you're enrolled in a Medicare Advantage plan, check that your preferred doctors, hospitals, and pharmacies are included in the plan's network for 2026. Network changes can affect your out-of-pocket costs and access to care.

5. Compare Medicare Advantage and Part D Plans

Even if you're content with your current plan, it's wise to compare it with other available options during Medicare Open Enrollment. Plans can change their benefits, costs, and coverage areas annually. By comparing plans, you might find one that better suits your needs or offers savings.

6. Make Sure You Have the Correct Coverage Type

Medicare offers different coverage types: Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Prescription Drug Plans (Part D). Verify if your current coverage is still the right fit for your needs. If you are enrolled in Original Medicare but require additional coverage, such as dental or vision, consider switching to a Medicare Advantage plan or adding supplemental coverage (Medigap).

7. Review Your Plan’s Star Rating

Medicare evaluates Medicare Advantage and Part D plans on a 5-star scale, based on quality and performance. A higher rating generally indicates a better-quality plan. Check the star rating of your current plan, as well as other available plans, to ensure you are receiving high-quality care and service.

8. Consult a Medicare Insurance Broker

Medicare options can be overwhelming at times. Consulting a licensed Medicare broker like Sackett & Associates can offer personalized help in choosing the best plan for your needs. They can explain plan details, compare different options, and ensure you make the best choice.

9. Review Your Healthcare Needs

Think ahead about what you may need in the coming year. For example, if you're planning surgery or starting a new treatment, review the coverage options available to ensure you won’t face unexpected out-of-pocket costs.

10. Be Aware of the Late Enrollment Penalty

If you miss the December 7 deadline and need to make changes after that, you may be subject to late enrollment penalties. It's important to act before December 7 to avoid additional costs in your premiums, especially for Medicare Part D or if you delayed enrolling in Part B. If you miss the deadline and don't qualify for a Special Enrollment Period, you may have to wait until the next Medicare Open Enrollment period.

11. Keep Track of Any Special Enrollment Periods

In certain situations, such as moving to a new location, losing employer coverage, or having a qualifying life event (like a change in marital status), you may be eligible for a Special Enrollment Period. If you believe you qualify for an SEP, contact Medicare directly to learn more and see if you can make changes to your coverage outside of the regular open enrollment period.

Partner With a Trusted Medicare Insurance Broker During Open Enrollment

Choosing the right Medicare plan can be confusing, but Sackett & Associates is here to assist you throughout the process. As an unbiased insurance broker, we offer expert advice tailored to your unique healthcare needs. Our team can help you understand your options, review your Annual Notice of Change, compare Medicare Advantage plans, and ensure your prescription drug coverage is up-to-date.

We specialize in helping local seniors in Sonoma County select the best Medicare coverage for the upcoming year. Our brokers will guide you through every step, answer all your questions, and make sure you meet the December 7 deadline without stress.

Don’t go through Open Enrollment alone. Contact the trusted Medicare insurance brokers at Sackett & Associates Insurance Services today for personalized support.