If you or a loved one is on Medicare, there’s one time of year that matters more than any other: Medicare open enrollment. It’s the period between October 15 and December 7 when you can review, update, or switch your Medicare plans. Whether you’re in Ellsworth, WI, Lutsen, MN, or Lake City, MN, it’s crucial to understand your options so you don’t miss out on better coverage or savings.
Our team at MBA Insurance Services is here to make this process simple and stress-free. We help you look at your current plan, explore new ones, and make sure you’re set up for the year ahead. Let’s walk through what Medicare open enrollment is, why it’s so important, and how we can help.
What is Medicare Open Enrollment?
Medicare open enrollment is the one time each year when everyone with Medicare can make changes to their health and drug coverage plans. During this window, you can:
- Switch from Original Medicare to a Medicare Advantage Plan (or vice versa)
- Change from one Medicare Advantage Plan to another
- Enroll in or drop a Medicare Part D prescription drug plan
- Review and update your plan based on any changes to your health needs
This period is crucial because once it ends on December 7, you’re locked into your plan until the next year unless you qualify for special exceptions.
Why Medicare Open Enrollment Matters
Plans can and do change every year. Your doctor may no longer be covered under your current plan. Premiums and copays can go up. Medications that were covered last year might be missing this year. Medicare open enrollment gives you the chance to make sure your plan still meets your needs and budget.
More importantly, it can also help you save money. Many people don’t realize they could be paying less for better coverage simply because they haven’t reviewed their plan. That’s where our team at MBA Insurance Services steps in.
How We Help You Navigate Open Enrollment
We understand that the world of Medicare can feel confusing, especially if it’s your first time going through Medicare open enrollment. Even if you’ve done this before, the changing rules and new plan options can be overwhelming.
At MBA Insurance Services, we treat every client like family. We’ll sit down with you, either in person or over the phone, and explain everything in plain English. We’ll help you:
- Compare plans available in your area
- Look at your current medications and providers to ensure coverage
- Understand the difference between Original Medicare and Medicare Advantage
- Make sure your chosen plan fits your lifestyle and health needs
Our local knowledge of communities like Ellsworth, WI, Lutsen, MN, and Lake City, MN allows us to recommend plans that actually work for you.
When Should You Take Action?
Don’t wait until the last minute! Medicare open enrollment starts October 15 and runs through December 7. The earlier you start, the more time you have to make thoughtful choices. Rushing at the end could mean missing out on better coverage or not having time to correct a mistake.
Give yourself peace of mind by planning early. You’ll thank yourself in January when your new plan kicks in and everything runs smoothly.
Mistakes to Avoid During Medicare Open Enrollment
Some people assume that no changes = no action. But even if you want to keep the same plan, it’s smart to review the updates. Plans can change what they cover each year, and that could affect your prescriptions or costs.
Others make the mistake of trying to do it all alone. We get it—there’s a lot of paperwork and small print. But one missed detail could mean higher costs or a lapse in coverage. That’s why working with our team can make a big difference.
We’re experts in Medicare open enrollment, and we know how to find the right fit for your life and health. It doesn’t cost you anything to talk with us, but it could save you a lot.
How We Support Local Communities
Whether you’re from Ellsworth, WI, Lutsen, MN, or Lake City, MN, our advisors are just a phone call away. We understand the unique needs of our neighbors because we live and work right here too.
At MBA Insurance Services, we believe in building relationships, not just filing forms. Every year, we guide hundreds of people through Medicare open enrollment with clarity, care, and compassion.
How to Prepare for Your Enrollment Appointment
Before we meet, it helps to gather:
- Your current Medicare card and any other insurance cards
- A list of current medications
- A list of your doctors and medical providers
- Any questions or concerns you’ve had with your current plan
We’ll use this information to help you make smart choices. It’s all about finding what works best for you, not just what’s popular or most advertised.
And don’t worry. We’ll walk you through it all step-by-step. You’re never alone in this process.
You Don’t Have to Do It Alone
Think of Medicare open enrollment like choosing a new school backpack—it needs to fit right, hold everything you need, and last all year. If it’s too heavy or not the right size, it causes problems later.
That’s what our team helps prevent. We make sure you get the right “fit” for your healthcare, so you’re not stuck with a plan that doesn’t work for you. And since we review plans across multiple providers, we give you more options—not just one.
Remember, you only have from October 15 to December 7 to make these changes. Our schedule fills up fast during this time, so don’t wait to get help.
Contact Us Today
If you’re ready to make the most of Medicare open enrollment, we’re here and ready to help. Don’t let confusion or hesitation keep you from better coverage and potential savings.
Contact our team today to schedule your free consultation. Let us walk you through your options and ensure you’re set for the year ahead.
Our team at MBA Insurance Services is proud to support our clients in Ellsworth, WI, Lutsen, MN, and Lake City, MN. For expert help, call us at 651-388-7128.
