Kivulink
Your plan changes every January. Most people never find out.
Annual Enrollment runs October 15 to December 7. It is the one window each year when anyone on Medicare can change plans for any reason — and whatever you do or do not do, the choice takes effect January 1.
Book a review — 832-775-2509 Pick a time online- OPENS
Annual Enrollment begins
Oct 15
- CLOSES
Last day to change anything
Dec 7
- TAKES EFFECT
January 1
Every change made during Annual Enrollment starts on January 1 — including the changes your carrier made to your current plan.
Doing nothing is also a decision.
If you make no change, most plans renew you automatically into next year's version of the plan. Carriers adjust plans every year, and any of this can move:
- The drug list. A medication covered this year can be dropped, moved to a higher tier, or given a new prior-authorization requirement.
- The pharmacy network. The pharmacy you walk to can become the expensive one.
- The provider network. Doctors and hospitals join and leave Medicare Advantage networks every year.
- Premiums, deductibles and copays, including the Part D deductible and what you pay at each tier.
- Extra benefits. Dental, vision, hearing, over-the-counter allowances, transportation.
Your carrier has to mail you an Annual Notice of Change before Annual Enrollment opens, usually by the end of September. That letter is where the changes are listed. Bring it in and we will read it with you.
Between October 15 and December 7.
Move from Original Medicare into an Advantage plan, from one Advantage plan to another, or back to Original Medicare.
Change the plan that covers your prescriptions — the single most common reason a review saves someone money.
If you have both Medicare and Medicaid, or a qualifying condition, a D-SNP or C-SNP may fit better than a general plan.
Eligibility for Part D Extra Help and the Medicare Savings Programs is re-tested against your current income. It is worth checking every year.
One thing Annual Enrollment does not cover: Medicare Supplement (Medigap). Medigap has no annual open window. Your one-time Medigap open enrollment period runs six months from the point you are 65 and enrolled in Part B. Outside it, a carrier can ask health questions and decline you. If you are thinking about moving between Medigap and Medicare Advantage, talk to us before you drop anything, because the way back is not always open.
If you miss December 7 and you are already in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period from January 1 to March 31 lets you make one change: to a different Advantage plan, or back to Original Medicare with a drug plan. It is narrower, and it does nothing for anyone on Original Medicare.
About half an hour, in your language, at no cost to you.
- 01
Bring four things
Your Medicare card, your current plan card, your medications with doses, and the doctors you want to keep.
- 02
We price your actual year
Not the premium alone — what your medications cost at your pharmacy across every plan we carry, and whether your doctors are in the networks that win on cost.
- 03
You decide
If your current plan is still the right one, we tell you so and you keep it. That happens often, and it is a good outcome.
A review costs you nothing. When a plan is placed, the carrier pays the agent a commission that is set by the carrier — your premium is the same whether you enroll with us, with another agent, or on your own. We will tell you how we are paid on any plan if you ask.
We work in English, Kinyarwanda, Kiswahili, French, Kirundi, Spanish, Dari and Pashto, in our Houston office at 2323 S. Voss Rd, Suite 648, or over the phone.
Asked every October.
I am happy with my plan. Do I still need to do anything?
You need to read the Annual Notice of Change, because "your plan" in January is not the same document as "your plan" today. If nothing that matters to you moved, you do nothing and you keep it.
I am turning 65 next year. Is this my window?
No — you have your own. Your Initial Enrollment Period runs for seven months around your 65th birthday, and it is separate from Annual Enrollment. Talk to us before it opens, because late enrollment in Part B or Part D can carry a penalty that lasts as long as you have Medicare.
I am still working and covered by my employer.
Then the timing rules are different again, and they are strict. Call before you leave that coverage, not after.
Can I change plans outside these dates?
Sometimes. Moving, losing other coverage, entering or leaving a nursing facility, gaining or losing Medicaid, and a plan leaving your county all open a Special Enrollment Period. Most run 60 days. If something changed, call the week it happens.
Do you sell every plan?
No agency does, and any agent who says otherwise is not being straight with you. See the notice below.
Book your Annual Enrollment review.
Call 832-775-2509 WhatsApp us All Medicare services →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 (1-800-633-4227), 24 hours a day / 7 days a week, to get information on all of your options. Kivulink Insurance Services is not affiliated with or endorsed by any government agency or the federal Medicare program.