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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.
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.
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.
Will my doctor be covered?
It depends on the doctor and what type of Medicare plan that you have. Over 90% of doctors accept some form of Medicare, whether Original Medicare (Parts A and B) or Medicare Advantage (Part C). If your doctor isn’t part of a Medicare participating provider, the doctor can choose on an individual basis to accept or treat a person on Medicare. If you enroll in a Medicare Advantage plan, your doctor may or may not be in your insurance provider’s network. We recommend checking your private insurance provider’s directory to make sure your doctor is in network. If you have a Medicare supplement plan, you can see any doctor that accepts Medicare.
Find answers to more of your Medicare questions so you can feel confident choosing a plan.