Medicare open enrollment is the time you can change your plan each  year if you’re not happy with yours. The enrollment period runs from  October 15 to December 7. If you like your plan, you don’t have to do  anything.

Learn more about open enrollment and how to avoid common scams.

If your doctor doesn’t take a specific plan or the drug coverage you get through Medicare Part D, you may want to change your plan. Or if  you’re in an HMO and have to ask your doctor for a referral to a specialist, you may want to switch to a PPO. With a PPO, you can go to a  specialist if they’re in your network.

Medicare Advantage plans bundle the benefits in Medicare Part A, Part B, and Part D, the drug plan. Medigap plans (also known as Medicare  supplement) help cover the 20% of costs you are responsible for when you’re on traditional Medicare. It’s an extra plan to help you out.

You don’t have to do anything if you’re happy with your plan. Open enrollment is just for people who aren’t satisfied with their plan.

You can make an appointment with your local office of the Area Agency  on Aging. Call 800-252-9240 to find your local office or view the Area Agencies on Aging Directory.