HAP is here to help you navigate Medicare’s annual enrollment season

At HAP, we believe insurance should be something you understand, not something you worry about. Our goal is to make Medicare enrollment easier so you feel confident your coverage will be there when you need it most. That’s why knowing your options during the Medicare Annual Enrollment Period (AEP) is so important.

What is the Medicare annual enrollment period?

Each year from Oct. 15 to Dec. 7, Medicare beneficiaries can review and change their coverage. Any changes take effect Jan. 1.

During AEP, you can:

• Switch your Medicare Advantage (Part C) plan
• Join, switch, or drop a Medicare Part D prescription drug plan
• Review how these choices may affect your Medicare Supplement (Medigap) options

This is your chance to make sure your Medicare plan fits your health needs, budget and lifestyle.

Why reviewing your plan matters

Too many people miss this opportunity. According to a 2022 Kaiser Family Foundation study, more than 4 in 10 Medicare Advantage enrollees didn’t check whether their plan costs or coverage had changed during open enrollment. Nearly half risked paying more or losing access to benefits simply because they didn’t review their options.

Taking time this fall could save you money, keep your doctors in network and ensure your prescriptions are covered.

Tips for Medicare Advantage enrollment 2025

Here are some steps to make the process easier:

• Do your research. Compare plans online or speak with a licensed agent. Look beyond monthly premiums to copays and out-of-pocket limits.
• Check prescriptions. Confirm your medications are included in the plan’s Part D benefits.
• Confirm providers. Make sure your doctors, specialists and hospitals are in network.
• Review quality. Look at Medicare star ratings for overall performance.
• Consider extras. Dental, vision and hearing coverage can reduce total healthcare costs.
• Match your health needs. If you live with conditions such as diabetes or chronic kidney disease, look for plans that support managing blood sugar, kidney health and diet.

HAP Navigator: Personal support

Enrollment can feel overwhelming, which is why HAP offers something different: the HAP Navigator program. Instead of call-center runarounds or confusing insurance jargon, you’ll get personal guidance from someone who knows your name, understands your needs and helps you make the most of your plan.

Navigators are included with several HAP Medicare Advantage plans. They’re local, dedicated and here to make insurance feel simple and human.

Why choose a HAP plan?

With HAP, you get:

• Easy-to-use benefits
• Responsive customer service, with navigator support on many several plans
• A large network of providers
• Local roots as a Michigan-based insurer
• Trusted plans designed with members in mind

The bottom line

The Medicare Annual Enrollment Period is your chance to choose the right plan for the year ahead. Whether your priority is lowering prescription costs, keeping your doctors or managing a chronic condition, HAP is here to help with plans and Navigators built for real people.