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Choosing the right plan for you

There is no “one size fits all” to Medicare plans. Your plan selection may be different from your spouse and your friends because your coverage decisions should depend on your personal health needs and preferences.

After you make your Medicare plan selection during Initial Enrollment Period, it’s important to know that you can change your Medicare coverage over time. It’s a good idea to revisit your plan each year to decide if it is still the right fit. As your life changes, your Medicare plan might also need to change. The Annual Enrollment Period is your opportunity to review your coverage and decide if it’s time to switch plans.

Annual Enrollment Period

During this period, you can keep your existing Part C or Part D, if it’s still available, or sign up for a new plan that better fits your needs. Annual Enrollment occurs October 15 - December 7 for everyone enrolled in Medicare. Your new coverage will begin January 1.

Whether you are enrolling for the first time or reviewing your coverage to determine if it’s time to make a change, you should use the Annual Enrollment Period to consider your needs and options so you get the best coverage for you.


Things to consider when selecting your Medicare coverage


Consider your monthly premiums and out-of-pocket expenses like deductibles, copayments and coinsurance.


Do you need vision, dental and hearing benefits not covered by Original Medicare? Are fitness programs, ways to save money and member rewards programs important to you?

Doctors & Hospital Choice

Do you want to choose the doctors you want to see? Do you want a primary care provider (PCP) coordinating you care?

Prescription drugs

Do you need prescription drug coverage? If you take regular prescriptions, are they on the plan's Formulary (Drug List)?


Do you travel often or have a home in another state? Do you need a larger network to cover?


Are providers who accept the plan nearby? Can you get prescription or specialty drugs through the mail?

Get the right coverage

You can combine Medicare parts and plans to get the coverage that works best for you.

Original Medicare + Prescription Drug Plan
  • A
  • B
  • D
Original Medicare + Medicare Supplement Plan
  • Supplement
  • B
  • A
Original Medicare + Prescription Drug Plan + Medicare Supplement Plan
  • A
  • B
  • D
  • Supplement
Medicare Advantage
  • Part C

Medicare Basics

You have options when it comes to selecting your Medicare coverage. Explore the basic parts of Medicare.

Learn more about Medicare

Eligibility and enrollment

It's important to understand when you are eligible for Medicare, how to enroll and what to do if you are working past 65.

Learn more about eligibility and enrollment

Y0083_2024ABM_AEP_WEBPAGES_M CMS Approved

Last updated 10/01/2023

To file a marketing complaint about a sales agent or broker, call 1-800-MEDICARE or the plan’s Customer Service number. When you call, it’s important to provide the agent’s or broker’s name, if possible.