The Medicare Annual Enrollment Period (AEP) runs from October 15 through December 7, giving Medicare beneficiaries across West Virginia an opportunity to review their health and drug coverage. Whether you’re on a Medicare Advantage plan, a stand-alone Part D drug plan, or considering switching back to Original Medicare, this is the time to make changes for the upcoming year.
AEP is one of the most important times of the year because Medicare plans can change their premiums, drug coverage, provider networks, and out-of-pocket costs. Here’s what you should know heading into the 2025 AEP.
2025 Medicare Changes You Should Expect
Every year, the Centers for Medicare & Medicaid Services (CMS) announces updates to Medicare Advantage and Part D plans. For 2025, beneficiaries in West Virginia may see:
- Adjustments to monthly premiums
- Changes to deductibles and out-of-pocket maximums
- Updated provider networks
- Changes to drug tiers and formularies
- New benefits like transportation, dental, and over-the-counter allowances
Because these changes can directly affect your healthcare costs, it’s important to review your Annual Notice of Change (ANOC) letter carefully.
If You Have a Medicare Supplement (Medigap)
If you are on a Medicare Supplement plan, you typically do not need to change your Medigap plan during AEP. Medigap plans do not follow the AEP calendar.
However, you should review your Part D drug plan because:
- Drug formularies change every year
- Plan premiums can increase
- Pharmacies may move into or out of network
Switching Part D plans during AEP can save hundreds of dollars in annual drug costs.
If You Have a Medicare Advantage Plan
If you’re enrolled in a Medicare Advantage plan, AEP allows you to:
- Switch to a different Medicare Advantage plan
- Change to a plan with or without drug coverage
- Return to Original Medicare and enroll in a Part D drug plan
Anyone who feels their current plan isn’t meeting their needs—due to provider changes, drug coverage, or higher out-of-pocket costs—should compare alternatives.
How Songer Insurance Helps You Navigate AEP
Understanding Medicare’s rules can be stressful, but you don’t have to figure it out on your own. At Songer Insurance, we offer free, local assistance to help you compare plans, review 2025 changes, and choose coverage that fits your needs.
We assist Medicare beneficiaries throughout:
- Beckley
- Raleigh County
- Fayette County
- Summers County
- Mercer County
- Greenbrier County
- Wyoming County
- And surrounding areas
As an independent agency, we represent multiple Medicare Advantage, Supplement, and Part D carriers—so our recommendations are always unbiased.
You can learn more on our main Medicare Insurance page.
Tips for a Smooth AEP
To make the enrollment process easier, have the following ready:
- Your list of medications and dosages
- Preferred pharmacies
- Your doctors and specialists
- Your current Medicare card
- Your 2025 ANOC letter
This information helps us compare your costs across different plans and identify the best fit.
Need Medicare Help for 2025?
AEP is your chance to make sure you’re on the right plan for your health and budget in 2025. If you need help reviewing your options, comparing costs, or changing plans, we’re here to make the process simple and stress-free.
Contact Songer Insurance today for free Medicare guidance.
👉 Phone: 304-252-2158
👉 Website: https://songerinsurance.com
👉 Medicare Services: https://songerinsurance.com/medicare-insurance
