Medicare AEP Checklist for 2027 Coverage
We recommend a full review of your coverage every Annual Enrollment Period—compare new MA plans, confirm your current plan still fits, or explore Original Medicare plus supplement (Medigap underwriting may apply). Use this checklist during October 15 – December 7, 2026 so changes take effect January 1, 2027.
Review Current Coverage
- Review your current Medicare plan (Medicare Advantage, Medigap, or Original Medicare + Part D)
- Check if your doctors and specialists are still in-network for 2026
- Review your prescription drug list and verify coverage for 2026
- Evaluate your out-of-pocket costs from the current year
- Check if your plan is being discontinued or significantly changed
Assess Your Needs
- List any new health conditions or medications
- Consider any upcoming procedures or treatments
- Review your preferred pharmacies and confirm they're in-network
- Evaluate your budget for premiums, deductibles, and copays
- Think about how often you visit doctors and use healthcare services
Compare Plans
- Use Medicare.gov Plan Finder or consult with an advisor
- Compare premiums, deductibles, and maximum out-of-pocket costs
- Check prescription drug coverage and costs at each tier
- Review provider networks to ensure your doctors are covered
- Compare extra benefits (dental, vision, hearing, fitness, OTC)
- Look at plan star ratings for quality and customer satisfaction
Important Documents
- Medicare card (red, white, and blue)
- Current insurance cards and policy information
- List of current medications with dosages
- List of doctors, specialists, and hospitals you use
- Income documents (for IRMAA or Extra Help qualification)
Mark Key Dates
- October 15, 2026: Annual Enrollment Period (AEP) begins
- December 7, 2026: AEP ends - last day to make changes
- January 1, 2027: New coverage takes effect
- Set reminders to review plan options before December 7
Take Action
- Schedule a consultation with a licensed Medicare advisor (no-cost)
- Enroll in your chosen plan before December 7, 2026
- Confirm enrollment and save confirmation documents
- Cancel old plans if switching (don't cancel before new plan is active)
- Update automatic payments for new premiums if needed
- Confirm your new plan cards arrive before January 1, 2027
Need Help Going Through This Checklist?
Our licensed Medicare advisors can walk you through every step of the AEP process at no cost to you. We'll help you compare plans, review your medications, and ensure you're getting the strong coverage for your needs.
Quick Tips for a Successful AEP
- • Start early: Don't wait until the last week of AEP
- • Shop around: Even if you're happy with your plan, comparing can save you money
- • Check prescriptions: Drug coverage changes annually—verify your medications are covered
- • Review networks: Provider networks can change from year to year
- • Ask for help: Working with a licensed advisor is no-cost and can save you thousands
Share This AEP Checklist on Social Media
Help your friends and family prepare for Medicare Annual Enrollment Period
🗓️ Medicare AEP 2026 Quick Checklist
New Coverage Starts: January 1, 2026
Suggested Facebook Post:
"🚨 Medicare Annual Enrollment Period is October 15 - December 7, 2025! Are you ready? This comprehensive AEP checklist will help you avoid costly mistakes and find the strong coverage for your needs. Plus, book a No-cost consultation with a licensed Medicare advisor. Don't wait until the last minute!https://www.dalton-insuranceagency.com/aep-checklist"
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