“Encourage Your Clients to Review Medicare Options During Open Enrollment” – Social Security Administration (.gov)

By GovPrepare News Desk – November 19, 2025

Standfirst: The Social Security Administration is urging advisors, caregivers, and beneficiaries to review Medicare options during the 2025 Open Enrollment period to ensure individuals receive the most appropriate and cost-effective coverage.

Key Highlights

• Medicare Open Enrollment runs from October 15 to December 7, 2025.
• Beneficiaries can change, add, or drop Medicare plans during this period.
• The SSA encourages active review to avoid overpayments and coverage gaps.
• Medicare Advantage and Part D drug plans may see significant changes in 2025.
• Professional advisors are urged to assist clients in making informed decisions.
• Free resources and plan comparison tools are available on Medicare.gov.

Background and Context

Each year, more than 65 million Americans rely on Medicare for their healthcare coverage, according to the Centers for Medicare & Medicaid Services (CMS). Medicare has four parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage).

Medicare Open Enrollment is a federally mandated annual period between October 15 and December 7 when individuals enrolled in Medicare can change their health and drug plans. This period allows beneficiaries to reassess their needs in light of potential changes to plan coverage, out-of-pocket costs, and provider networks for the upcoming calendar year.

The need for an annual review is underscored by data from the Kaiser Family Foundation (KFF), which shows that nearly 70% of Medicare beneficiaries do not compare plans during open enrollment, potentially resulting in missed opportunities for cost savings or improved coverage.

The New Development

In a recent announcement published by the Social Security Administration (SSA), the agency called on trusted advisors, caregivers, and professionals to proactively engage with Medicare beneficiaries during the 2025 Medicare Open Enrollment period. The SSA’s communication emphasizes the importance of reviewing existing plans to better align with beneficiaries’ current health needs and financial situations.

Many plans, particularly Medicare Advantage and Part D prescription drug plans, undergo yearly modifications in premiums, coverage, and formulary rules. Failing to reassess one’s plan may lead to significantly higher out-of-pocket costs or the loss of access to preferred healthcare providers and necessary medications.

This year, changes to federal reimbursement rates and updates to coverage under the Inflation Reduction Act mean that certain Part D plans may include new savings on insulin and vaccines. As a result, the variety and complexity of offerings make it more important than ever for beneficiaries to conduct a comprehensive review.

The SSA recommends using the free Medicare Plan Finder tool on Medicare.gov and consulting with certified Medicare counselors or licensed professionals who can offer guidance tailored to individual needs.

Expert and Industry Reaction

Richard Fiesta, Executive Director of the Alliance for Retired Americans, welcomed the SSA’s message. “Every year, we see too many seniors locked into plans that no longer meet their needs,” he stated. “This average American can potentially save hundreds by switching plans, but many don’t realize their options or how to compare them.”

The National Council on Aging (NCOA) echoed the importance of guidance. In a recent report, the organization noted that “Medicare is not a one-size-fits-all program, and proper assistance is critical to helping seniors navigate their choices.”

In the financial advisory community, firms such as Morningstar have also emphasized the role of advisors in educating their clients. The firm stated that proactive health insurance planning is an integral component of retirement income strategies.

Alignment with Global or National Standards

The SSA’s guidance aligns with longstanding CMS policies that prioritize consumer choice and education, as outlined in the CMS Roadmap for Program Integrity. Additionally, the emphasis on annual plan review reflects best practices recommended by the World Health Organization for managing aging populations in high-income countries.

Domestically, the policy is consistent with federal rules requiring Medicare Advantage providers to notify beneficiaries annually of changes in plan terms. Regulations under the Affordable Care Act and the Inflation Reduction Act support increased transparency and consumer engagement in health plan selection.

Impact on Stakeholders

For Beneficiaries: Individuals who proactively review their plans can reduce healthcare expenses and ensure they maintain access to necessary services and medications. Particular benefits may be available for managing chronic illnesses or reducing pharmacy costs.

For Caregivers and Advisors: Trusted professionals play a crucial role in helping seniors and disabled individuals understand complex changes. Their advising may mitigate risks like coverage lapses and financial burden.

For Government Agencies: Increased enrollment in appropriate plans may improve public program efficiency and reduce strain from improperly allocated services. Additionally, consumer education can lower complaint volume and administrative costs.

Official Guidance

• Social Security Administration – Medicare
• Centers for Medicare & Medicaid Services Newsroom
• Medicare.gov – Plan Finder
• Administration for Community Living – Benefits Counseling
• National Council on Aging (NCOA)

Conclusion

As the 2025 Medicare Open Enrollment period continues through December 7, the SSA urges professionals and beneficiaries alike to engage in informed healthcare planning. Time-sensitive decisions made over the coming weeks will affect access to medical services, prescription costs, and financial wellbeing in 2026.

Government agencies, nonprofits, and licensed healthcare professionals are standing by to provide impartial advice and tools during this critical time. Staying informed and prepared is key to ensuring every American maximizes their Medicare benefits.

GovPrepare.com will continue to monitor and report updates on Medicare policies, open enrollment trends, and federal support initiatives throughout the enrollment window.

Excerpt (Meta Description): SSA urges beneficiaries to review Medicare plans during the 2025 Open Enrollment. Advisors play a key role in guiding coverage and cost decisions.

Tags: Medicare Open Enrollment, Social Security Administration, healthcare planning, senior benefits, Medicare Part D, Medicare Advantage, CMS policy, retirement planning, U.S. healthcare, enrollment deadline, medical coverage review, SSA resources