Why AEP Matters
Every year, Medicare Advantage and Part D plans change premiums, drug formularies, networks, and benefits. AEP is your once-a-year window to switch plans without health questions.
Your AEP Checklist
- **Pull your Annual Notice of Change (ANOC)** - your current plan mails this in September. Read it.
- **List your current medications** - name, dose, frequency.
- **List your current providers** - primary care, specialists, preferred hospital.
- **Review whether your plan still covers them next year** - networks and formularies change.
- **Compare against new plans** - we run all available plans in your county.
- **Decide and enroll** - coverage starts January 1.
What You Can Do During AEP
- Switch from Original Medicare to Advantage (or back).
- Switch from one Advantage plan to another.
- Switch from one Part D plan to another.
- Drop or add Part D coverage.
What You Can't Do During AEP
You generally can't switch Medigap plans without underwriting outside your initial enrollment window. AEP doesn't change that.