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Annual Renewals & Changes

Q: Do Medicare premiums change every year?

A: Yes. Part B premiums, Part D premiums, deductibles, and IRMAA brackets can change annually based on federal updates and plan adjustments.

Q: Can I change my Medigap plan during AEP?

A: Technically yes, but AEP is for Advantage and drug plans. Medigap changes require underwriting unless you’re in a guaranteed-issue situation.

Q: What should I review each year during AEP?

A: Check:

Your drug list
Total estimated costs
Doctor network
New benefits
Plans change annually, so reviewing helps prevent surprises.

Q: When can I change my Medicare plan?

A: The Annual Enrollment Period (Oct 15–Dec 7) allows you to switch Medicare Advantage or Part D plans. Changes take effect Jan 1.

Q: What is a Special Enrollment Period?

A: These are special windows (after moving, losing coverage, changes in eligibility, etc.) that allow you to change plans outside of AEP.

Plans are insured or covered by Medicare Advantage (HMO, PPO, and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan in your area. Please contact medicare.gov or 1-800- Medicare to get information on all your options.

Contact Info

Give us a call at 904-614-6257
Monday to Friday: 8:00am to 6:00pm
Saturday & Sunday: Closed