Making the Most of the Final Weeks of Medicare Annual Enrollment

Nov 18, 2025

3 min read

The Medicare Annual Enrollment Period (AEP), from October 15 to December 7, is a very important time of year for Medicare Beneficiaries. Now that we are in the middle of AEP, it is time to take a closer look at your current plan and ensure it is still the right fit for your healthcare needs and budget.

If you have been putting it off, don't worry, it's not too late. You still have time to review, compare, and make changes before the deadline. In this blog, we will talk about how you can make the most of these final weeks and what options you have to take action.

Review Your Current Medicare Plan

Start by reviewing your Annual Notice of Change (ANOC). This document outlines any changes to your plan's premiums, copays, drug coverage, extra benefits, and provider network for the upcoming year. Even small changes could impact your out-of-pocket costs or which doctors and pharmacies you can use.

If you notice changes that don't work for you, AEP is your one opportunity each year to switch plans.

Compare Coverage Options

Medicare plans change every year, and so can your health needs. It's smart to compare your current plan to other options available in your area.
Look at:
Monthly premiums and deductibles
Prescription drug coverage (Part D)
Network doctors and hospitals
Added benefits such as fitness, OTC, dental, vision, and hearing

At The Bedrock Group, our licensed Medicare advisors can help you compare plans side by side to find coverage that truly fits your needs.

Double-Check Prescription Coverage

One of the most common and costly mistakes made during AEP is assuming your prescriptions will stay covered. Formularies-each plan's list of covered drugs-can change each year. Make sure your current medications are still covered and compare costs under different plan options.

Medigap or Medicare Advantage

Now is the time to review your Medigap (Medicare Supplement) plan to see if the annual premium increase is getting too high. Depending on what your monthly premium totals for the year, if that cost is more than the maximum out-of-pocket for a Medicare Advantage Plan, it may be time for you to make a change.

There are many considerations, but now is the time to see if that could be a better option for you.

Don't Wait Until the Last Minute

The closer we get to December 7, the busier things become for both beneficiaries and Medicare carriers. Scheduling a Medicare review now ensures you have enough time to make informed choices without feeling rushed.

Remember: Any changes you make during AEP will take effect on January 1.

Get Help from a Local Licensed Advisor

Medicare can be complex, but you don't have to navigate it alone. Working with a trusted local advisor ensures you are getting personalized guidance, not just a list of plan options.

At The Bedrock Group, our team of licensed, experienced Medicare specialists will help you:

Review your current plan
Identify cost-saving opportunities
Compare available Medicare Advantage Plans, Medicare Supplements, and Prescription Drug Plans
Make changes before the deadline

All reviews are complimentary and can be done in your home or over the phone.

The Clock is Ticking - Schedule Your Complimentary Medicare Review Today!

Don't leave your 2026 coverage to chance. Take advantage of the final weeks of AEP and make sure your plan fits your needs, your doctors, and your budget.

👉🏻 Schedule Your Complimentary Medicare Review with The Bedrock Group Today

To learn more about The Bedrock Group, please continue reading below.

The Bedrock Group.

At The Bedrock Group, we are a Veteran and First-Responder-owned insurance agency dedicated to helping you navigate your Medicare, Life Insurance, and Retirement needs. We proudly offer complimentary consultations and no-cost Medicare Reviews. We are headquartered in New Albany, Indiana, and also have a location in Asheville, North Carolina. With advisors on the ground in 48 states, we are here to help with a range of options.

Services

Medicare & Health - Medicare Advantage, Medicare Supplements, Part D

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And more.

Why Work With Bedrock

Trusted, local advisors who treat our clients like family.

Holistic guidance across Medicare, retirement, and protection.

Clear education, no jargon, and no pressure