Fair Square Medicare Wordmark

Last Day to Change Your Medicare Part D Plan

senior man on a phone call stock image

By Daniel Petkevich

Jul 14, 2025

An overview of the most important Part D deadline and what you need to do for it.

The Big Deadline: December 7, 11:59 p.m.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

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.


What “Change” Really Means

  • 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.


Missed the Cutoff? All Is Not Lost

  1. 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.).


Three Last-Minute Tips Before December 7

  1. Run your meds through our —prices change every year.

  2. Watch the deductible + copay math; the lowest premium isn’t always your cheapest total cost.

  3. 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.


Need Help Racing the Clock?

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.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Recommended Articles

Senior woman smiling after vaccination stock photo

Does Medicare Cover Flu Shots?

Dec 9, 2022

Myelofibrosis stock image

Does Medicare Cover Jakafi?

Dec 12, 2022

Caucasian nurse holding spine model against the patients backs. Clinic interior. stock photo

Does Medicare Cover SI Joint Fusion?

Nov 28, 2022

Electrocardiograph with pacemaker stock photo

How Much Does a Pacemaker Cost with Medicare?

Nov 21, 2022

Senior person holding tissue roll near a toilet bowl, using walker to walk to the bathroom stock photo

Does Medicare Cover Disposable Underwear?

Dec 8, 2022

Cover image

Does Medicare Have Limitations on Hospital Stays?

Mar 15, 2024

Close up top view of a woman showing a round-shaped Lipoma fatty tumor on an open palm stock photo

Does Medicare Cover Lipoma Removal?

Dec 8, 2022

Mouth guard used to help treat sleep apnea

Does Medicare Cover Mouth Guards for Sleep Apnea?

Dec 8, 2022

scientist mixing chemical compounds stock image

Does Medicare Cover Compounded Medications?

Apr 4, 2023

Pile of junk in a house, hoarder room pile of household equipment needs clearing out stock photo

Does Medicare Cover Hoarding Cleanup?

Jan 10, 2023

Sleep apena stock image

Does Medicare Cover Inspire for Sleep Apnea?

Dec 27, 2022

various people wearing masks due to the COVID-19 pandemic stock photo

How Does the End of the COVID-19 Public Health Emergency Affect Your Medicare?

Mar 3, 2023

senior man on a phone call stock image

Last Day to Change Your Medicare Part D Plan

Jul 14, 2025

Model of the lungs with the diseased part stock photo

Does Medicare Cover Ofev?

Dec 2, 2022

Cover image

How Much Does a Medicare Coach Cost?

Mar 20, 2023

senior couple doing yoga stock image

13 Best Ways for Seniors to Stay Active in Columbus

Mar 8, 2023

Emergency section of a hospital exterior stock photo

How Does Medicare Pay for Emergency Room Visits?

Nov 21, 2022

20 Q's with Fair Square

20 Questions to Ask Your Medicare Agent

Mar 17, 2023

More of our articles

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?

Your Medicare One-Stop-Shop

Your guide to Medicare Parts A & B, Medicare Advantage, and Medigap. 100% free.

Get the Fair Square Bulletin

Medicare savings tips, helpful guides, and more.

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2025

Terms of Use
Notice of Privacy Practices

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

FSM symbol - 50