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You don’t have to navigate Medicare by yourself. Whether you’re enrolling for the first time or thinking about switching plans, our Go Confidently tools can help you understand your options and guide you through the details of eligibility, costs, and more.

Learn the Basics

If you’re new to Medicare, you probably have a lot of questions. To get you started, we’ve answered the most commonly asked questions about how it works. Here are a few that may come up during the Annual Enrollment Period.

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Do I need to enroll every year?

You only need to enroll in Original Medicare (Parts A and B) once. If you purchase additional coverage—Medicare Advantage, prescription drug coverage (Part D), or Medicare supplement—through a private insurance, you do not need to re-enroll in those plans each year. Your coverage will continue unless you disenroll or sign up for another plan.

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Does Medicare change every year?

Some parts of Medicare may change from year to year, such as monthly premium and deductible amounts. However, your Part B can’t exceed the amount that your annual Social Security cost of living adjustment increases, unless you pay a higher premium for having a higher income.   

If you are enrolled in a Medicare Advantage (Part C) or a prescription drug (Part D) plan, your plan benefits and costs may change from year to year. Your insurer will send you a notification of these changes each fall, and you will have the option to enroll in a different Medicare Advantage or prescription drug plan during the Annual Enrollment Period (AEP) from October 15 to December 7 each year. Your Medicare supplement plan premiums may also go up once a year.

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Will my doctor be covered?

If you choose a Medicare plan from Blue Cross Blue Shield of Michigan, which has the largest network of providers in the state, there is a good chance your doctor will be covered.

With a Medicare Supplement plan, you can see any doctor that accepts Medicare. If your doctor does not accept Medicare, they can choose to treat patients on a case-by-case basis.

With a Medicare Advantage plan, your doctor must participate in the plan's network. Click here to see if your doctor is in the Blue Cross Blue Shield of Michigan or Blue Care Network

Find answers to more of your Medicare questions so you can feel confident choosing a plan.

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