Every year the Fall Open Enrollment Period—also called the Annual Election Period—runs October 15 through December 7. During these eight weeks you can join, drop, or switch any Medicare drug plan, and your final choice takes effect January 1 of the coming year.
Switch to a different Part D plan with lower premiums or better pharmacy pricing.
Drop Part D entirely (though we rarely recommend going drug-less).
Join a drug plan for the first time if you delayed enrollment and now want coverage.
Submit your new application before the clock strikes midnight on December 7; Medicare uses the latest submission it receives.
Special Enrollment Periods (SEPs)
You move out of your plan’s service area.
You qualify for Extra Help/LIS.
Your plan earns or loses a 5-star quality rating.
Other life events (natural disaster, plan error, etc.).
Run your meds through our —prices change every year.
Watch the deductible + copay math; the lowest premium isn’t always your cheapest total cost.
Confirm pharmacy networks—switching plans can save hundreds if your favorite local pharmacy suddenly becomes “preferred.”
Remember, Part D is also getting better: in 2025 total out-of-pocket drug costs will be capped at $2,000 and you’ll be able to spread those costs over 12 equal payments.
Bottom line: Circle December 7 on your calendar, make your final choice before bedtime, and let the new plan start saving you money on January 1.
Our licensed Medicare advocates can compare every Part D option in minutes—so you beat the deadline with confidence. Call 888-376-2028 or book a quick chat now.
Does Medicare Cover Flu Shots?
Dec 9, 2022
Does Medicare Cover Jakafi?
Dec 12, 2022
Does Medicare Cover SI Joint Fusion?
Nov 28, 2022
How Much Does a Pacemaker Cost with Medicare?
Nov 21, 2022
Does Medicare Cover Disposable Underwear?
Dec 8, 2022
Does Medicare Have Limitations on Hospital Stays?
Mar 15, 2024
Does Medicare Cover Lipoma Removal?
Dec 8, 2022
Does Medicare Cover Mouth Guards for Sleep Apnea?
Dec 8, 2022
Does Medicare Cover Compounded Medications?
Apr 4, 2023
Does Medicare Cover Hoarding Cleanup?
Jan 10, 2023
Does Medicare Cover Inspire for Sleep Apnea?
Dec 27, 2022
How Does the End of the COVID-19 Public Health Emergency Affect Your Medicare?
Mar 3, 2023
Last Day to Change Your Medicare Part D Plan
Jul 14, 2025
Does Medicare Cover Ofev?
Dec 2, 2022
How Much Does a Medicare Coach Cost?
Mar 20, 2023
13 Best Ways for Seniors to Stay Active in Columbus
Mar 8, 2023
How Does Medicare Pay for Emergency Room Visits?
Nov 21, 2022
20 Questions to Ask Your Medicare Agent
Mar 17, 2023
10 Top Medicare Supplement (Medigap) Companies for 2025
14 Best Ways for Seniors to Stay Active in Nashville
14 Best Ways for Seniors to Stay Active in Washington, D.C.
15 Best Ways for Seniors to Stay Active in Denver
2024 Fair Square NPS Report
2025 Medicare Price Changes
Building the Future of Senior Healthcare
Can I Change Medicare Advantage Plans Any Time? | Medicare Plans
Can I Laminate My Medicare Card?
Can Medicare Advantage Plans Deny Coverage for Pre-Existing Conditions?
Comparing All Medigap Plans | Chart Updated for 2025
Do You Need Medigap if You're Eligible for Both Medicare and Medicaid?
Does Medicare Cover Abortion Services?
Does Medicare Cover an FMT?
Does Medicare Cover Bariatric Surgery?
Does Medicare Cover Boniva?
Does Medicare Cover Cardiac Ablation?
Does Medicare Cover Cartiva Implants?
Does Medicare Cover Chiropractic Visits?
Does Medicare Cover COVID Tests?
Does Medicare cover Deviated Septum Surgery?
Does Medicare Cover Driving Evaluations?
Does Medicare Cover Geri Chairs?
Does Medicare Cover Hepatitis C Treatment?
Does Medicare Cover Incontinence Supplies?
Does Medicare Cover Ketamine Infusion for Depression?
Does Medicare Cover Light Therapy for Psoriasis?
Does Medicare Cover Medical Marijuana?
Does Medicare Cover Nexavar?
Does Medicare Cover Oxybutynin?
Does Medicare Cover Ozempic?
Does Medicare Cover Penile Implant Surgery?
Does Medicare Cover Physicals & Blood Work?
Does Medicare Cover Scleral Lenses?
Does Medicare Cover Service Animals?
Does Medicare Cover Shock Wave Therapy for Plantar Fasciitis?
Does Medicare Cover SIBO Testing?
Does Medicare Cover Urodynamic Testing?
Does Medicare Cover Wart Removal?
Does Medicare Pay for Bunion Surgery?
Does Medicare pay for Opdivo?
Does Medicare Pay for Varicose Vein Treatment?
Does Your Medicare Plan Cover B12 Shots?
Does Your Plan Include A Free Gym Membership?
Estimating Prescription Drug Costs
Finding the Best Vision Plans for Seniors
Gap Health Insurance: The Secret Sidekick to Your High-Deductible Plan
How Can I Get a Replacement Medicare Card?
How Does Medicare Cover Colonoscopies?
How Medicare Costs Can Pile Up
How Much Does Medicare Part A Cost in 2025?
How Much Does Medicare Part B Cost in 2025?
How Much Does Open Heart Surgery Cost with Medicare?
How to Choose a Medigap Plan
How to Deduct Medicare Expenses from Your Taxes
How Your Employer Insurance and Medicare Work Together
Is Balloon Sinuplasty Covered by Medicare?
Is PAE Covered by Medicare?
Is the Shingles Vaccine Covered by Medicare?
Is Vitrectomy Surgery Covered by Medicare?
Medicare 101
Medigap vs. Medicare Advantage
Seeing the Value in Fair Square
Turning 65 and Thinking of Keeping COBRA? Here’s Why It Usually Backfires
Welcome to Fair Square's First Newsletter
What is a Medicare Beneficiary Ombudsman?
What to Do When Your Doctor Doesn't Take Medicare
What You Need to Know About Creditable Coverage
When Can You Change Medicare Supplement Plans?
When to Choose Medicare Advantage over Medicare Supplement
Will Medicare Cover Dental Implants?
Will Medicare Cover it?
Get the Fair Square Bulletin
Medicare savings tips, helpful guides, and more.
Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
MULTIPLAN_FairSquareMedicare_01062022_M
Fair Square Medicare