{"id":6625,"date":"2026-08-28T07:16:09","date_gmt":"2026-08-28T11:16:09","guid":{"rendered":"https:\/\/completehealth.com\/?page_id=6625"},"modified":"2026-09-18T06:26:24","modified_gmt":"2026-09-18T10:26:24","slug":"medicare","status":"publish","type":"page","link":"https:\/\/completehealth.com\/es\/medicare\/","title":{"rendered":"Medicare Open Enrollment Made Less Overwhelming"},"content":{"rendered":"<div class=\"wp-block-group container pt-3 breadcrumbs pb-0\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"><nav aria-label=\"Ruta de navegaci\u00f3n\" class=\"thg-breadcrumb d-flex align-items-center\" itemscope itemtype=\"http:\/\/schema.org\/BreadcrumbList\"><div itemprop=\"itemListElement\" itemscope itemtype=\"http:\/\/schema.org\/ListItem\"><a itemprop=\"item\" class=\"breadcrumb-path\" href=\"https:\/\/completehealth.com\/es\"><span itemprop=\"name\">Inicio<\/span><\/a><meta itemprop=\"position\" content=\"1\" \/><\/div><span class=\"breadcrumb-divider\"> &gt; <\/span><\/nav>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group container-fluid about-us-hero\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group container\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns hc is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h1 class=\"wp-block-heading text-white fs-45 mt-0 mb-4 w-100 w-sm-75\">Medicare Open Enrollment Made Less Overwhelming<\/h1>\n\n\n\n<p class=\"description text-white\">Frustrating is putting it lightly, right? The mail, the ads, the spam and the phone calls. Well, this page is here to bring some calm to the chaos. To walk you through the process of the Annual Enrollment Period, what you need to decide or not and how to do it well.<\/p>\n\n\n\n<p class=\"description text-white\">And know this: We\u2019re a physician practice not an insurance company. We can\u2019t sell you a plan or sign you up for one. We can help you sort through it all and get you thinking about what matters for your health.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<style>\n:root{\n  --paper:#faf9f9;\n}\n.check{margin:0;padding:0;list-style:none;display:grid;gap:0}\n.check li{\n  padding:1.5rem 0;border-bottom:1px solid var(--light-gray);\n  display:grid;grid-template-columns:2.25rem 1fr;column-gap:1rem;\n}\n.check li:first-child{border-top:1px solid var(--light-gray)}\n.check__num{font-size:1.35rem;font-weight:300;color:var(--light-red);line-height:1.2}\n.check h3{margin-bottom:.35rem}\n.check p{font-size:1rem;color:var(--dark-gray);margin:0}\n@media (max-width:480px){\n  body{font-size:18px}\n  .check li{grid-template-columns:1fr;row-gap:.35rem}\n}\n.section--paper{background:var(--paper);border-block:1px solid var(--light-gray)}\n.lede{font-size:1.15rem;color:var(--dark-gray)}\n.timeline{margin:0;padding:0;list-style:none;position:relative}\n.timeline::before{\n  content:\"\";position:absolute;left:.42rem;top:.6rem;bottom:.6rem;\n  width:2px;background:var(--light-gray);\n}\n.tl{position:relative;padding:0 0 2rem 2.5rem}\n.tl:last-child{padding-bottom:0}\n.tl::before{\n  content:\"\";position:absolute;left:0;top:.45rem;\n  width:.9rem;height:.9rem;border-radius:50%;\n  background:var(--light-red);border:3px solid var(--paper);\n  box-shadow:0 0 0 2px var(--light-red);\n}\n.tl__date{\n  font-size:.82rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;\n  color:var(--dark-red);margin:0 0 .25rem;\n}\n.tl p{font-size:1.02rem;margin:0}\n.stack{display:grid;gap:1rem;padding:0;margin:0;list-style:none}\n.opt{\n  display:flex;gap:1rem;align-items:flex-start;\n  padding:1.1rem 1.25rem;background:var(--white);\n  border:1px solid var(--light-gray);\n}\n.opt__mark{\n  flex:none;width:.6rem;height:.6rem;margin-top:.55rem;border-radius:50%;\n  background:var(--light-red);\n}\n.opt p{font-size:1.02rem;margin:0}\n.opt .note{display:block;margin-top:.4rem;font-size:.92rem;color:var(--dark-gray)}\n<\/style>\n<section class=\"section py-xl-6 py-5\">\n  <div class=\"container\">\n    <h2 class=\"fs-45\">What&rsquo;s Happening Right Now<\/h2>\n    <p class=\"lede\">Each year between Oct. 15 and Dec. 7, Medicare opens a window when you can change your coverage for the coming year. Changes then take effect Jan. 1.<\/p>\n \n    <h3 style=\"margin:2.25rem 0 1rem\">Your options:<\/h3>\n    <ul class=\"stack\">\n      <li class=\"opt\"><span class=\"opt__mark\"><\/span><p>Switch from traditional Medicare to a Medicare Advantage plan or the other way around<\/p><\/li>\n      <li class=\"opt\"><span class=\"opt__mark\"><\/span><p>Change from one Medicare Advantage plan to another<\/p><\/li>\n      <li class=\"opt\"><span class=\"opt__mark\"><\/span><p>Join, switch or drop a Part D prescription drug plan<\/p><\/li>\n      <li class=\"opt\"><span class=\"opt__mark\"><\/span><p>Do nothing and stay in your current plan.<span class=\"note\">(But first, make sure to check what changes in costs, drug coverage and provider networks might be occurring.)<\/span><\/p><\/li>\n    <\/ul>\n  <\/div>\n<\/section>\n\n<section class=\"section section--paper py-xl-6 py-5\">\n  <div class=\"container\">\n    <h2 class=\"fs-45\">What Happens Later<\/h2>\n    <p class=\"lede\">In late September you receive two things in the mail:<\/p>\n \n    <ul class=\"stack\" style=\"margin:1.75rem 0 2.75rem\">\n      <li class=\"opt\"><span class=\"opt__mark\"><\/span><p>The Annual Letter of Change outlining what&rsquo;s changing for next year &ndash; premiums, copays, drug coverage and providers\/physician network. This letter will come from your current plan.<\/p><\/li>\n      <li class=\"opt\"><span class=\"opt__mark\"><\/span><p>The Medicare and You booklet. Read this and the Annual Letter of Change. They are not junk mail.<\/p><\/li>\n    <\/ul>\n \n    <ol class=\"timeline\">\n      <li class=\"tl\">\n        <p class=\"tl__date\">Oct. 1<\/p>\n        <p>Details for insurance plans become public and you can start comparing plans at Medicare.gov.<\/p>\n      <\/li>\n      <li class=\"tl\">\n        <p class=\"tl__date\">Oct. 15<\/p>\n        <p>The enrollment period opens. You can start making changes today.<\/p>\n      <\/li>\n      <li class=\"tl\">\n        <p class=\"tl__date\">Oct.-Nov.<\/p>\n        <p>Best time to compare, ask questions and decide. Don&rsquo;t wait for the deadline.<\/p>\n      <\/li>\n      <li class=\"tl\">\n        <p class=\"tl__date\">Dec. 7<\/p>\n        <p>Last day to make a change.<\/p>\n      <\/li>\n      <li class=\"tl\">\n        <p class=\"tl__date\">Jan. 1<\/p>\n        <p>Your new coverage begins.<\/p>\n      <\/li>\n      <li class=\"tl\">\n        <p class=\"tl__date\">Jan. 1 &ndash; March 31<\/p>\n        <p>If you&rsquo;re in a Medicare Advantage plan and it isn&rsquo;t working out; you get one chance to switch plans or return to traditional Medicare.<\/p>\n      <\/li>\n    <\/ol>\n  <\/div>\n<\/section>\n\n<section class=\"section py-xl-6 py-5\">\n  <div class=\"container\">\n    <h2 class=\"fs-45\">Your Checklist<\/h2>\n    <p class=\"subhead\">Six things worth checking before you decide on coverage:<\/p>\n \n    <ol class=\"check\">\n      <li>\n        <span class=\"check__num\">01<\/span>\n        <div>\n          <h3>Read your Annual Notice of Change.<\/h3>\n          <p>Look for changes to your premium, copays, drug coverage and your provider network. If nothing changes and your plan is working for you, staying put is a perfectly good choice.<\/p>\n        <\/div>\n      <\/li>\n      <li>\n        <span class=\"check__num\">02<\/span>\n        <div>\n          <h3>Confirm your doctors are still in-network.<\/h3>\n          <p>Networks change every year. Check the plan&rsquo;s provider directory. Then call the doctor&rsquo;s office to confirm. Directories aren&rsquo;t always current.<\/p>\n        <\/div>\n      <\/li>\n      <li>\n        <span class=\"check__num\">03<\/span>\n        <div>\n          <h3>Check every prescription you take.<\/h3>\n          <p>Review your actual medication list, including doses. A drug that was covered this year may be on a different tier next year, or off the list entirely.<\/p>\n        <\/div>\n      <\/li>\n      <li>\n        <span class=\"check__num\">04<\/span>\n        <div>\n          <h3>Add up your real costs, not just the premium.<\/h3>\n          <p>A $0 premium plan isn&rsquo;t free. Look at deductibles, copays and the maximum you could pay in a bad year.<\/p>\n        <\/div>\n      <\/li>\n      <li>\n        <span class=\"check__num\">05<\/span>\n        <div>\n          <h3>Look at the extras honestly.<\/h3>\n          <p>Dental, vision, hearing, fitness, transportation and over-the-counter allowances. These vary a lot. Ask what&rsquo;s actually covered and how much.<\/p>\n        <\/div>\n      <\/li>\n      <li>\n        <span class=\"check__num\">06<\/span>\n        <div>\n          <h3>Think about the year ahead, not just last year.<\/h3>\n          <p>A surgery on the horizon, a new diagnosis, a specialist you&rsquo;ve started seeing? These can change which plan fits.<\/p>\n        <\/div>\n      <\/li>\n    <\/ol>\n  <\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-group dg py-5 py-sm-7\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column m-auto is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<h2 class=\"wp-block-heading has-text-align-center fs-45 text-white mb-4\">You don\u2019t have to sort through it all alone.<\/h2>\n\n\n\n<p class=\"has-text-align-center text-white\">Friendly support is just a phone call away.<br>We can help you understand how these pieces fit together, what questions to ask and where to find answers. We won\u2019t recommend a plan and we can\u2019t enroll you, but we can make the process feel a lot less confusing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center text-white\">Call: <a href=\"tel: 888-336-1312\">888-336-1312<\/a><\/h3>\n\n\n\n<p class=\"has-text-align-center text-white\">Talk with a real person who has time for you.<\/p>\n\n\n\n<div class=\"wp-block-buttons red-btn-sec is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel: 888-336-1312\">Call Us<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group py-xl-6 py-5\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading fs-45 mb-5\">Answers to questions we hear most.<\/h2>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Is my doctor in the plan\u2019s network?<\/strong><\/summary>\n<ul class=\"wp-block-list\">\n<li>Search the plan\u2019s provider directory by your doctor\u2019s full name and office address. Some doctors are in-network at one location but not another<strong>.<\/strong><\/li>\n\n\n\n<li>Ask about the specific physician, not just the practice<strong>.<\/strong><\/li>\n\n\n\n<li>Then call the office to confirm. Directories go out of date<strong>.<\/strong><\/li>\n\n\n\n<li>Most HMO plans ask you to name a primary care doctor at enrollment. If you don\u2019t, one will get assigned to you<strong>.<\/strong><\/li>\n\n\n\n<li>Check every plan you\u2019re considering separately<strong>.<\/strong><\/li>\n\n\n\n<li>Call <a href=\"tel: 888-336-1312\">888-336-1312<\/a> to confirm Complete Health participation<strong>.<\/strong><\/li>\n<\/ul>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Are my prescriptions covered?<\/strong><\/summary>\n<ul class=\"wp-block-list\">\n<li>Every plan has a formulary \u2014 its list of covered drugs. It changes every year<strong>.<\/strong><\/li>\n\n\n\n<li>Drugs sit in tiers, and the same medication can be a low tier in one plan and a high tier in another. Compare the actual copay, not the tier number<strong>.<\/strong><\/li>\n\n\n\n<li>Watch for prior authorization, step therapy<s>,<\/s> and quantity limits<strong>.<\/strong><\/li>\n\n\n\n<li>Drugs given in a doctor\u2019s office or infusion center are covered differently and won\u2019t appear in a formulary search \u2014 ask about those separately<strong>.<\/strong><\/li>\n\n\n\n<li>Enter your exact medications and doses into the Plan Finder at Medicare.gov. It\u2019s free and it\u2019s the best tool available<strong>.<\/strong><\/li>\n<\/ul>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What will my out-of-pocket costs look like?<\/strong><\/summary>\n<ul class=\"wp-block-list\">\n<li>Four numbers matter: premium, deductible, copays<s>,<\/s> and maximum out-of-pocket<strong> <\/strong>costs<strong>.<\/strong><\/li>\n\n\n\n<li>A $0 premium isn\u2019t free \u2014 you still owe your Part B premium<strong>.<\/strong><\/li>\n\n\n\n<li>The maximum out-of-pocket is your protection in a bad year. It generally doesn\u2019t include prescription costs or out-of-network care<strong>.<\/strong><\/li>\n\n\n\n<li>If you have Original Medicare with a Medigap policy, switching away may be permanent \u2014 you may not be able to get that policy back<strong>.<\/strong><\/li>\n\n\n\n<li>Help exists with premiums and drug costs. More people qualify than apply<strong>.<\/strong><\/li>\n<\/ul>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Are my specialists and hospitals included?<\/strong><\/summary>\n<ul class=\"wp-block-list\">\n<li>Check each one separately &#8211; your primary care doctor and your cardiologist may not be in the same network<strong>.<\/strong><\/li>\n\n\n\n<li>Include the hospital you\u2019d want to use, plus any therapy, dialysis<s>,<\/s> or infusion center<strong>.<\/strong><\/li>\n\n\n\n<li>Ask whether you need a referral to see a specialist<strong>.<\/strong><\/li>\n\n\n\n<li>Ask how care is covered when you\u2019re away from home &#8211; this matters a lot if you travel or have a second residence<strong>.<\/strong><\/li>\n\n\n\n<li>Emergency care is covered anywhere. Follow-up care may not be<strong>.<\/strong><\/li>\n<\/ul>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What extra benefits are included?<\/strong><\/summary>\n<ul class=\"wp-block-list\">\n<li>Dental, vision, hearing, fitness, over-the-counter allowance, transportation and<strong> <\/strong>meals<strong>.<\/strong><\/li>\n\n\n\n<li>The advertised amount is a ceiling, not a budget \u2014 ask if the plan actually pays for what you need<\/li>\n\n\n\n<li>Check the network first. Dental and hearing benefits often run through a separate, smaller network<strong>.<\/strong><\/li>\n\n\n\n<li>Over-the-counter allowances usually reset each quarter and don\u2019t roll over<strong>.<\/strong><\/li>\n\n\n\n<li>Some benefits are only for people with certain health conditions. Ask whether you qualify<strong>.<\/strong><\/li>\n<\/ul>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How do I enroll?<\/strong><\/summary>\n<ul class=\"wp-block-list\">\n<li>Enroll yourself at Medicare.gov, call 1-800-MEDICARE, call the plan directly, or work with a licensed agent<strong>.<\/strong><\/li>\n\n\n\n<li>Have your Medicare card handy \u2014 you\u2019ll need your number and coverage start dates<strong>.<\/strong><\/li>\n\n\n\n<li>If you\u2019re in a Medicare Advantage plan, don\u2019t sign up for a separate drug plan. It will cancel your coverage<strong>.<\/strong><\/li>\n\n\n\n<li>You can change your mind as many times as you like until Dec. 7. The last choice counts<strong>.<\/strong><\/li>\n\n\n\n<li>We can\u2019t enroll you or recommend a plan \u2014 but call us at <a href=\"tel: 888-336-1312\">888-336-1312<\/a> with questions<strong>.<\/strong><\/li>\n<\/ul>\n<\/details>\n<\/div>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Medicare Open Enrollment Made Less Overwhelming Frustrating is putting it lightly, right? The mail, the ads, the spam and the phone calls. Well, this page is here to bring some calm to the chaos. To walk you through the process of the Annual Enrollment Period, what you need to decide or not and how to [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-6625","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Medicare Open Enrollment | Complete Health<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/completehealth.com\/es\/medicare\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medicare Open Enrollment | Complete Health\" \/>\n<meta property=\"og:description\" content=\"Medicare Open Enrollment Made Less Overwhelming Frustrating is putting it lightly, right? 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The mail, the ads, the spam and the phone calls. Well, this page is here to bring some calm to the chaos. 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