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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.