Medicare Annual Enrollment Period 2027
October 15 – December 7
Free Medicare AEP Reviews in Bonita Springs, FL & Kalamazoo, MI
Is Your Medicare Coverage Still Right for You?
Click here to listen to an important message about the AEP.
Is Your Medicare Coverage Still Right for You?
We’ll help you review your current coverage and understand what changed for 2027.
What we'll review:
- Your current plan
- Prescription coverage
- Doctors and pharmacies
- Premiums and out-of-pocket costs
- Coverage changes for 2027
- Your available options
- Our services are FREE with no obligation to enroll
- Our recommendations are based on YOUR needs and wants.
- We aim to build a long-term relationship with you
- As your needs change, or if the plans change, we help you adjust
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Medicare Annual Enrollment Period FAQs
The Medicare Annual Enrollment Period, often called AEP, runs every year from October 15 to December 7. It is your yearly chance to review your Medicare coverage and make changes for the year ahead. During this time, you can switch between Original Medicare and a Medicare Advantage plan or move from one Medicare Advantage plan to another. Any changes you make take effect on January 1.
Not necessarily. If you are happy with your current plan and it still fits your needs, you can usually keep it and your coverage will continue. The important part is checking first. Plans can change their premiums, deductibles, copays, drug lists, and provider networks from one year to the next, so a plan that worked well this year may not be the best fit for 2027. Our Medicare solutions section explains how Medicare Supplements and Medicare Advantage plans differ.
Start with the Annual Notice of Change your plan sends each fall. It spells out what is different for next year. Then ask a few simple questions. Are your doctors and pharmacy still in the network? Are your prescriptions still covered, and at what cost? Have your premiums, deductibles, or out-of-pocket costs gone up? Do the benefits still match your health needs? Our Medicare and You 2027 resource offers a plain-English look at the year ahead.
If you miss it, you may have to wait until next year to make changes, unless you qualify for a Special Enrollment Period because of a life event such as moving or losing other coverage. If you are already in a Medicare Advantage plan, you also have a Medicare Advantage Open Enrollment Period from January 1 to March 31. It lets you switch to a different Medicare Advantage plan or return to Original Medicare. Because your options after December 7 are more limited, it is best to review your coverage early. Contact our team with any questions.
A few items make your review quick and easy: your Medicare card, your current plan's insurance card, a list of your prescriptions and dosages, the names of your doctors and preferred pharmacies, and your Annual Notice of Change if you have received it. Do not worry if you cannot find everything. Our team will help you gather what you need. You can also meet our team ahead of time to see who you will be talking with.
Hear From Our Clients
Meet the Team Behind Your Medicare Review
Our Bonita Springs, FL & Kalamazoo, MI teams bring real experience and a plain-English approach to every review. Here is a look at the professionals who can help you make confident Medicare decisions. Visit our Meet Our Team page to learn more about each of them.
Joe Garcia,
MBA, CLTC
Founder and CEO. Joe holds an MBA from Michigan State University and a CLTC designation, which reflects extensive knowledge of long-term care planning. He is also an Investment Advisor Representative (IAR) with SMG and brings more than 25 years of financial services experience. Joe has given countless presentations on retirement planning and Medicare.
Danielle Bates,
Retirement Specialist
Danielle holds a Bachelor of Arts in Marketing from Michigan State University. With a background in Human Resources and benefits administration, she has spent her career helping people understand their benefits and find coverage that fits their needs.
Dave Vernier,
Retirement Specialist
Dave focuses on making Medicare easier to understand. He takes the time to listen to each client’s needs, explain their options clearly, and help them feel confident in their decisions.
Erin Bush,
Retirement Specialist
Erin earned a Bachelor of Science from Central Michigan University and a master’s degree from Northwestern University. She chose a career in Medicare to help people feel confident about their healthcare decisions.
Paul Walke,
Retirement Specialist
Paul attended Kalamazoo Valley Community College and brings 15 years of experience coaching and mentoring. He enjoys explaining Medicare in a simple, real-world way.
Sharon Leiss,
Retirement Specialist
Sharon has been helping individuals and families with their insurance needs since earning her insurance license in 2001. She is known for listening closely and making Medicare easier to understand.