Medicare Open Enrollment 2025: What’s New & How to Choose the Best Plan in Arizona
Every year, Medicare Open Enrollment gives you the chance to review and change your plan. For 2025, the window runs October 15 through December 7. During this time, you can compare Medicare Advantage plans, switch Part D prescription drug coverage, or make other changes that start January 1, 2026.
If you don’t take action, you could end up locked into a plan that doesn’t fit your needs. That’s why reviewing your options now is so important.
Key Dates You Can’t Miss
Open Enrollment: October 15 – December 7, 2025
Effective Date: January 1, 2026
Medicare Advantage OEP: January 1 – March 31, 2026 (for one switch if already enrolled in Advantage)
What’s Changing for 2025
Medicare Part B Premium & Deductible
Standard monthly Part B premium: $185 (up from $174.70 in 2024)
Annual Part B deductible: $257
(Source: CMS.gov)
Medicare Part D Prescription Drug Costs
Out-of-pocket spending for covered drugs will now be capped at $2,000 annually.
Third-party payments (like manufacturer assistance) will count toward this limit.
(Source: Medicare.gov)
Medicare Advantage Plans
Average Advantage plan premium remains low (around $17 monthly nationally).
Networks and supplemental benefits may change, so it’s important to review your plan.
How to Choose the Best Medicare Plan in Arizona
Compare Original Medicare + Medigap vs. Advantage
Original + Medigap gives flexibility to see almost any doctor who accepts Medicare.
Advantage often bundles in extras like dental, vision, or gym memberships.
Check Prescription Coverage
Make sure your specific medications are on the plan’s formulary.Review Provider Networks
If your doctor or hospital isn’t in-network, you could pay more out-of-pocket.Look at Total Costs, Not Just Premiums
Deductibles, copays, and coinsurance can add up quickly.Consider Extra Benefits
Some plans include dental, hearing, vision, or wellness perks that may help reduce other costs.
7 Ways to Save on Medicare Costs
Choose a plan with strong prescription coverage.
Use generic drugs when available.
Take advantage of free preventive services.
Stay in-network with Advantage plans.
Compare Medigap if you travel or want nationwide coverage.
Re-evaluate your plan every open enrollment.
Work with Daisy to review all your options side by side.
What to Do During Open Enrollment
Review your current plan details.
Make a list of your prescriptions.
Compare plans available in your ZIP code.
Enroll before December 7, 2025.
Enjoy updated coverage starting January 1, 2026.
Why Work With Daisy Nadolski
Medicare can feel overwhelming, but you don’t have to figure it out alone. As a licensed insurance agent in Phoenix, AZ, Daisy helps you:
Understand the difference between Advantage, Medigap, and Part D
Compare costs, benefits, and provider networks
Enroll in a plan that truly meets your needs
Her help is free, and it could save you money and stress.
👉 Get Your Free Medicare Plan Quote
FAQs
Q: When is Medicare Open Enrollment in 2025?
October 15 – December 7, 2025.
Q: Can I change plans outside of this window?
Only if you qualify for a Special Enrollment Period (for example, moving or losing other coverage).
Q: What’s the difference between Medicare Advantage and Medigap?
Advantage bundles coverage into one plan, while Medigap supplements Original Medicare.
Q: How much will I pay for prescriptions in 2025?
Your out-of-pocket costs for covered Part D drugs will be capped at $2,000.
