Medicare Open Enrollment Starts October 15: What You Need to Know

James Brey

Medicare Open Enrollment is right around the corner, and for Alabama residents, it’s a crucial time to review your health coverage and make informed decisions for the year ahead. The enrollment period begins October 15 and ends December 7, 2025. During this window, Medicare beneficiaries should review their current supplemental plans (such as Medicare Advantage or Part D drug coverage) and determine if that coverage still fits their needs.

Why It Matters
Medicare plans can change every year. Premiums may increase, provider networks may shift, and prescription drug coverage could be altered. Reviewing your Annual Notice of Change (ANOC) is essential to avoid surprises in the new year.

Beware of Scams and Fraud
Unfortunately, Open Enrollment is also prime time for scammers. Fraudsters may pose as Medicare representatives, insurance agents, or offer “free” medical equipment in exchange for your Medicare number. Here are some red flags to watch out for:

• Unsolicited calls or emails asking for your Medicare, Social Security, or bank information
• Pressure tactics urging you to “act now” or risk losing coverage
• Fake websites or mailers that mimic official Medicare communications
• Offers for free gifts or cash in exchange for signing up for a plan

Important reminder: Medicare will never call, email, or text you out of the blue to ask for personal information or payment. If you’re unsure, hang up and call 1-800-MEDICARE (1-800-633-4227) to verify.

Get Unbiased Help — Not a Sales Pitch
Choosing the right Medicare plan can be overwhelming, especially with so many options and salespeople vying for your attention. To avoid pushy tactics and get free, unbiased advice, turn to trusted resources:

• Medicare.gov: Use the Medicare Plan Finder to compare plans based on your prescriptions, doctors, and budget.
• Alabama SHIP (State Health Insurance Assistance Program): Certified counselors offer free, confidential help with Medicare questions and plan comparisons. They are not affiliated with any insurance company and will never try to sell you a plan.

📞 Call 1-800-AGE-LINE (1-800-243-5463) or visit AlabamaAgeLine.gov to connect with a local SHIP counselor.