Review Your Coverage Before Enrolling in Medicare: Here’s What to Check for 2027

Review plans and notices

A plan that worked well before may not remain the best fit, so experts say it is worthwhile to examine available options. KFF senior policy analyst Alex Cottrill said everyone can benefit from taking time to review their coverage.

Jessica Rivkin, vice president of Reliance Medicare Advisors, advised people to read annual notices of change. She said reviewing a current plan is still important even if no such notice arrives.

Compare coverage and costs

People enrolled in regular Medicare must choose a Part D prescription drug plan separately. They may also select Medigap, private insurance that can help reduce out-of-pocket costs. Medicare Advantage plans can have stricter rules, including limits to in-network providers. Cottrill said out-of-network care may involve higher cost-sharing, so people considering these plans should confirm that their needed providers are covered and consider what the choice could mean for Medigap coverage.

Seek guidance early

The website is a starting point, not a substitute for independent research, Cottrill said. People can also call 1-800-Medicare, a CMS-run information line, or seek more tailored counseling from their State Health Insurance Assistance Program.

Insurance agents may be helpful, but Cottrill said they are often paid on commission and suggested getting a second opinion from someone without that financial interest. Rivkin urged people to begin early, since researching options may require follow-up with providers or an expert.

Know the coverage timeline

A plan chosen during open enrollment takes effect Jan. 1, 2027, and applies for the full calendar year. Will Kinkead, associate vice president of Reliance Medicare Advisors, said people can also leave Medicare Advantage and return to original Medicare during the same period.

Those returning to original Medicare can also enroll in a Part D plan, Kinkead said. Checking details before making a selection can help people match coverage to their needs.