Beat the Medicare AEP Rush: 5 Smart Moves to Make NOW
Sep 12, 2025
Medicare’s Annual Enrollment Period (AEP) begins October 15, but September is when the smartest seniors start preparing. Why? Because waiting until the last minute often means missing out on better coverage, lower premiums, or benefits that actually fit your current lifestyle.
Whether this is your first time making changes or you’ve been through the process before, these steps can help you make the most of your Medicare choices this fall.
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1. Protect Your Finances from Hidden Costs
Health care surprises are expensive. Even with Medicare, unexpected out-of-pocket costs can derail a fixed-income budget. Reviewing how and where your money flows each month can help you uncover fees, overspending, or missed payments before they become real problems.
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You can also use this time to reassess other insurance, like dental, vision, or burial coverage, depending on what your Medicare plan includes.
2. Get a Head Start on Plan Changes
Many Medicare Advantage and Part D plans release their upcoming changes in early fall. Start checking for notices from your insurer and Medicare itself. Look specifically for changes in:
- Monthly premiums
- Deductibles and co-pays
- Drug coverage (formularies)
- Doctor or specialist networks
Even if your plan hasn’t changed, your needs might have. Are your prescriptions different? Have you moved? Did your preferred doctor leave your plan’s network?
3. Talk to an Advisor Before You Lock In
Medicare can be confusing, especially when it comes to comparing dozens of plans with different premiums, copays, and networks. And while online tools are helpful, speaking with a professional can provide much-needed clarity, especially if your medical needs or financial situation have changed.
WiserAdvisor offers a free matching service that connects you with licensed financial advisors who understand Medicare. You’ll answer a few questions and get matched with 2 to 3 local professionals who can help you understand your plan options and guide you toward smarter, more affordable coverage. It’s a simple way to compare local advisor matches before the rush.
4. Understand What AEP Really Means
Between October 15 and December 7, Medicare enrollees can switch from Original Medicare to Medicare Advantage (or vice versa), change Part D drug plans, or tweak existing coverage.
But plans and costs change every year. Premiums go up. Drug formularies shift. Networks expand or shrink. That’s why it’s essential to take time to review your current plan instead of simply renewing it.
If you haven’t looked at your coverage since last fall, now’s the time.
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5. Review Prescriptions and Providers
Take a few minutes to make a current list of your medications and health care providers. This will make plan comparisons far easier, especially if you’re using a third-party tool or working with an advisor.
Also, be honest about what’s working and what’s not. A plan that looked good last year might not be doing you any favors today.
Bonus: Plan for the Bigger Picture
While Medicare is top of mind, it’s also wise to look ahead and make sure your affairs are in order. Many seniors overlook the financial impact their passing could have on loved ones. Planning for final expenses now ensures that family members won’t be left scrambling to cover costs during an already difficult time.
BurialInsurance.com makes it easy to compare quotes for final expense insurance. With guaranteed coverage for adults ages 50 to 85, no required medical exam, and quick benefit payouts, it’s a simple step toward peace of mind. You can explore your coverage options in just a few minutes.
September Moves, October Peace of Mind
Being proactive this September doesn’t just save you money; it can also reduce stress, prevent mistakes, and help you make Medicare choices that truly serve you.
Start early, stay informed, and protect your future with confidence.
