Medicare Annual Enrollment: 5 FAQs to Review
Se Won Kim | Oct 22 2026 13:00
Medicare’s Annual Enrollment Period (AEP) takes place every year from October 15 through December 7. This limited-time window gives you an opportunity to review and make changes to your Medicare insurance coverage for the year ahead. AEP can feel confusing, but understanding a few key questions can help you make informed decisions—even if your current plan seems to be working well.
At Vegas Insurance Group, our independent insurance agents help individuals and families throughout Las Vegas and surrounding Nevada communities approach Medicare decisions with greater clarity. Read each of these common questions carefully so you can prepare before the enrollment deadline.
Do I Need to Do Anything If I’m Happy With My Current Plan?
Even if you’re satisfied, it may be a good idea to review your coverage. Premiums, provider networks, and drug formularies can change each year.
This review matters because a plan that fit your needs this year may have different costs, covered medications, or in-network doctors next year. Taking a few minutes to compare your Annual Notice of Change with your current healthcare needs may help you avoid unexpected expenses or coverage gaps.
What Changes Can I Make During Open Enrollment?
You can switch from Original Medicare to a Medicare Advantage plan, change from one Advantage plan to another, or modify your Part D prescription coverage.
These options matter because your health needs, preferred providers, prescriptions, and budget can change over time. AEP gives you a defined opportunity to choose Medicare coverage that better reflects your situation before the new plan year begins.
When Can I Learn About Next Year’s Plans?
Information for next year’s plans is available beginning in October. Call 1-800-MEDICARE or visit Medicare.gov.
Reviewing information early gives you time to compare premiums, benefits, drug coverage, provider networks, and out-of-pocket costs without feeling rushed. Trusted resources such as Medicare.gov can help you understand available options and prepare questions for a Medicare insurance professional.
What’s the Difference Between Original Medicare and Medicare Advantage?
Original Medicare is government-managed and typically paired with separate drug coverage and optional Medigap. Medicare Advantage plans are offered by private insurers and often bundle medical and drug benefits, with some including extras like dental or vision.
The difference matters because these coverage paths can work differently when it comes to provider access, prescription drug coverage, costs, and additional benefits. Understanding how each option is structured can help you decide which approach aligns with your healthcare preferences and financial priorities.
What If I Miss the Open Enrollment Deadline?
Unless you qualify for a Special Enrollment Period due to a major life event, you’ll need to wait until next year’s window to make changes.
This is why it is important to begin your review before December 7. Certain life events may create a Special Enrollment Period, but eligibility varies. Planning ahead can help you avoid being locked into coverage that no longer meets your needs for the coming year.
Understanding AEP gives you more control over your healthcare decisions. Start researching early, use trusted resources such as Medicare.gov, and consider speaking with a professional if you need help comparing your options. Even a small review of your plan can lead to meaningful savings or better coverage in the year ahead.
Vegas Insurance Group is a Las Vegas insurance agency that provides personalized guidance for Medicare insurance and other health insurance needs across Las Vegas, Henderson, North Las Vegas, Summerlin, and nearby Nevada communities. Our team can help make the review process clearer and less stressful.