Medicare Open Enrollment · October 15 – December 7, 2025
— A Free Medicare Guidance Service
Medicare should not feel like a second career. Our licensed advisors sit down with you, learn what you need, and walk you through every plan available in your area — line by line, in plain language. There is never a fee, never a sales script, and never an obligation to enroll.
This Year's Numbers
Figures reflect CoverBenefits service data, 2025.
01 — The Problem
“Most people overpay for Medicare simply because no one explained their options.”
1 in 3
Seniors overpay for coverage
$1,200
Average wasted each year
78%
Never compare plans annually
02 — The Four Parts
Medicare is built from four lettered parts. Each one covers something different — and knowing where the seams are is how you avoid paying twice.
A
Part A
Covers inpatient hospital stays, skilled nursing facility care, hospice and some home health services. Most people pay no premium for Part A because they paid in through payroll taxes while working.
B
Part B
Covers doctor visits, outpatient procedures, lab work, durable medical equipment and preventive screenings. Part B carries a standard monthly premium that can vary with your income.
C
Part C
An all-in-one alternative offered by private insurers approved by Medicare. Plans bundle Parts A and B and frequently add drug, dental, vision and hearing benefits within a defined network.
D
Part D
Stand-alone drug plans that help pay for the medications you take at home. Each plan publishes its own formulary, so the right choice depends entirely on your current prescriptions.
03 — The Process
01
Tell us your ZIP code, the doctors you want to keep and the prescriptions you take. It takes a few minutes and there is no paperwork to fill out.
Typically under five minutes.
02
A licensed advisor lays every qualifying plan side by side — premiums, networks, drug tiers and caps — and explains the trade-offs in plain English.
Unbiased across all carriers.
03
When you are ready, we handle the enrollment paperwork with you and stay on as your point of contact for questions all year long.
Support continues after enrollment.
04 — Side By Side
Neither option is universally better. The right answer depends on your doctors, your prescriptions and how often you travel.
| Feature | Original Medicare | Medicare Advantage |
|---|---|---|
| Monthly Premium | Part B premium applies | Often $0 beyond Part B |
| Provider Network | Any provider accepting Medicare | —Plan network, usually local |
| Prescription Coverage | —Requires separate Part D | Usually included |
| Dental & Vision | —Not covered | Commonly included |
| Out-of-Pocket Limit | —No annual cap | Annual maximum required |
| Referrals Needed | No referrals required | —Often required on HMO plans |
Benefits vary by carrier, county and plan year. An advisor can confirm the specifics for your ZIP code.
05 — The Deadline
00
Days
00
Hours
00
Minutes
00
Seconds
Miss the window and your current plan renews as-is until next year — including any premium or formulary changes.
06 — Why Us
Our advisors are paid the same regardless of which plan you choose. That means the recommendation you get is the one that fits your life — not the one with the best commission.
You never pay CoverBenefits a dollar — our service is funded by the carriers, not by you.
Every advisor is state-licensed, annually certified and trained on the current plan year.
We show every qualifying plan in your county, including the ones that pay us nothing.
Coverage options across all 50 states, with local network detail down to the ZIP code.
Questions about a claim in March? We are still here — enrollment is the beginning, not the end.
07 — From Our Members
I had four letters on my kitchen table and no idea what any of them meant. An hour later I understood my options better than I had in six years.
Margaret H., Ohio
They found a plan that kept both of my specialists and cut what I was paying for prescriptions nearly in half. No pressure at any point.
Raymond T., Arizona
What surprised me most was that they called back in the spring just to check that everything was working. Nobody does that anymore.
Dolores K., North Carolina
08 — Questions
No. Our guidance is completely free to you. We are compensated by the insurance carriers when someone enrolls, and that compensation is standardized — it does not change based on which plan you pick.
Open Enrollment runs October 15 through December 7 each year, with changes taking effect January 1. You may also qualify for an Initial Enrollment Period around your 65th birthday or a Special Enrollment Period after a qualifying life event such as a move or loss of employer coverage.
In most cases, yes. Original Medicare works with any provider that accepts Medicare. With Medicare Advantage it depends on the plan's network, so we check each of your physicians against every plan before recommending anything.
It is usually wise. If you go without creditable drug coverage for 63 days or more after becoming eligible, a late-enrollment penalty is added to your premium permanently. Many low-cost plans exist precisely for people with minimal prescriptions.
Medigap supplements Original Medicare by covering deductibles and coinsurance you would otherwise pay yourself. Medicare Advantage replaces the way you receive Parts A and B through a private plan. You cannot hold both at the same time, which is why the choice matters.
Never. Plenty of people review their options with us, decide their existing plan is still the best fit, and stay exactly where they are. That is a perfectly good outcome.
One conversation with a licensed advisor is often all it takes to know whether you are in the right plan for next year.
No Cost · No Obligation · Licensed Advisors
Resources
The federal government's own Medicare resource for enrollment rules and plan data.
See every qualifying plan in your county laid out side by side.
Find out in minutes which parts and periods currently apply to you.
Request a free, no-obligation review online at a time that suits you.