3 key steps during Medicare’s open enrollment period

The federal Medicare program mailed the 2027 “Medicare & You” handbook to more than 70 million beneficiaries, aiming for delivery before Oct. 1 so seniors can review options ahead of the Oct. 15‑Dec. 7 enrollment window. Jeff, a Las Vegas resident, wrote, "Dear Toni: I enrolled in Medicare in 2025 but have not received my 2027 “Medicare &You” handbook, and I’m concerned about what I should do during the fall Medicare season." If the handbook has not arrived, seniors can request a copy by calling 800‑MEDICARE (633‑4227) or accessing it online at Medicare.gov.

The first step is to decide whether to stay with original Medicare (Parts A and B) or switch to a Medicare Advantage (Part C) plan. "Ask your doctor’s office which plan it recommends," the guidance advises, noting that most doctors accept original Medicare, while acceptance of Medicare Advantage HMO or PPO plans varies. If a doctor appears in a Medicare Advantage provider directory, it’s essential to confirm the physician will still accept that plan next year.

Next, beneficiaries must determine their prescription drug coverage. For original Medicare, a stand‑alone Part D plan is required and may carry a monthly premium. Those who choose Medicare Advantage should verify the plan includes Part D to avoid penalties. The advice stresses checking that all current prescriptions are covered under the plan’s formulary, and reminds seniors that enrollment in a new Part D plan must be completed by midnight Dec. 7 for coverage to begin Jan. 1.

Toni King, who writes about Medicare and health‑insurance issues, offers further assistance. "If you have a question, email info@tonisays.com or call 832‑519‑8664," she says.

Sources: Las Vegas Review-Journal