Last Day to Change Your Medicare Part D Plan

About

Medicare 101

Current Clients

Last Day to Change Your Medicare Part D Plan

By Daniel Petkevich

Jul 14, 2025

An overview of the most important Part D deadline and what you need to do for it.

The Big Deadline: December 7, 11:59 p.m.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Every year the Fall Open Enrollment Period—also called the Annual Election Period—runs October 15 through December 7. During these eight weeks you can join, drop, or switch any Medicare drug plan, and your final choice takes effect January 1 of the coming year.

What “Change” Really Means

Switch to a different Part D plan with lower premiums or better pharmacy pricing.
Drop Part D entirely (though we rarely recommend going drug-less).
Join a drug plan for the first time if you delayed enrollment and now want coverage.

Submit your new application before the clock strikes midnight on December 7; Medicare uses the latest submission it receives.

Missed the Cutoff? All Is Not Lost

Special Enrollment Periods (SEPs)
- You move out of your plan’s service area.
- You qualify for Extra Help/LIS.
- Your plan earns or loses a 5-star quality rating.
- Other life events (natural disaster, plan error, etc.).

Three Last-Minute Tips Before December 7

Run your meds through our —prices change every year.
Watch the deductible + copay math; the lowest premium isn’t always your cheapest total cost.
Confirm pharmacy networks—switching plans can save hundreds if your favorite local pharmacy suddenly becomes “preferred.”

Remember, Part D is also getting better: in 2025 total out-of-pocket drug costs will be capped at $2,000 and you’ll be able to spread those costs over 12 equal payments.

Bottom line: Circle December 7 on your calendar, make your final choice before bedtime, and let the new plan start saving you money on January 1.

Need Help Racing the Clock?

Our licensed Medicare advocates can compare every Part D option in minutes—so you beat the deadline with confidence. Call 888-376-2028 or book a quick chat now.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Your Medicare One-Stop-Shop

Your guide to Medicare Parts A & B, Medicare Advantage, and Medigap. 100% free.

Get the Fair Square Bulletin

Medicare savings tips, helpful guides, and more.

888-454-2383

info@fairsquaremedicare.com

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2026

•

Notice of Privacy Practices

Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2026 Help Button Inc

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 to get information on all of your options.

MULTIPLAN_FairSquareMedicare_01062022_M

Fair Square Medicare

Last Day to Change Your Medicare Part D Plan

An overview of the most important Part D deadline and what you need to do for it.

The Big Deadline: December 7, 11:59 p.m.

Speak with a Medicare Advocate

What “Change” Really Means

Missed the Cutoff? All Is Not Lost

Three Last-Minute Tips Before December 7

Need Help Racing the Clock?

Speak with a Medicare Advocate

Recommended Articles

More of our articles

Your Medicare One-Stop-Shop

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans