⏳ Medicare Annual Enrollment Ends December 7 — What You Need to Know Before Time Runs Out

The Medicare Annual Enrollment Period (AEP) is your once-a-year chance to make changes to your coverage. It runs from October 15 through December 7, and after that, your options become much more limited. If you haven’t reviewed your plan yet, now is the time — because the choices you make will affect your health and finances for all of 2026.

📅 What Is Annual Enrollment?

Annual Enrollment is the period when Medicare beneficiaries can:

• Switch from Original Medicare to a Medicare Advantage (Part C) plan.

• Change from one Medicare Advantage plan to another.

• Enroll in or change a Medicare Part D prescription drug plan.

• Drop coverage they no longer need.

This window is critical because outside of it, you generally cannot make changes unless you qualify for a Special Enrollment Period (SEP).

🔍 Why Reviewing Your Plan Matters

Many people assume their current plan is “good enough,” but failing to review can cost you:

• Higher premiums: Plans often adjust rates year to year.

• Prescription coverage gaps: Formularies change, meaning your medication may no longer be covered affordably.

• Provider networks: Doctors and hospitals may join or leave your plan’s network.

• Hidden costs: Deductibles, copays, and coinsurance can shift, impacting your budget.

By reviewing now, you can avoid surprises in January.

🚨 What Happens If You Miss the December 7 Deadline?

If you don’t act by December 7:

• Your current plan will automatically renew for 2026.

• You’ll be locked in until the next Annual Enrollment Period unless you qualify for a SEP.

• You may miss out on better benefits, lower costs, or improved provider access.

🧾 Special Enrollment Periods (SEP)

You may still be able to make changes outside of AEP if you experience a qualifying life event, such as:

• Moving to a new coverage area.

• Losing employer or union coverage.

• Marriage, divorce, or other family changes.

• Eligibility for Medicaid or Extra Help.

These events trigger a 60-day window to adjust your plan.

🛠️ How Our Agency Helps During AEP

We know the Midlands community and the challenges of navigating Medicare. Here’s how we support you before December 7:

• Personalized plan reviews: We compare your current coverage with available options.

• Prescription drug analysis: Ensuring your medications are covered affordably.

• Local carrier access: We work with trusted carriers in SC and NC, including auto-only appointments for added convenience.

• Transparent guidance: No jargon, no pressure — just clear answers.

🦃 Final Reminder

Annual Enrollment ends December 7. Don’t wait until the last minute — reviewing your plan now ensures you start 2026 with confidence, knowing your health and finances are protected.