Last Day to Change Your Medicare Part D Plan

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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

Medicare Advantage Open Enrollment (Jan 1–Mar 31)
- If you’re already in a Medicare Advantage plan, you can drop it, return to Original Medicare, and pick up a Part D plan—or move to a different Advantage plan that includes drugs.
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 Medicare’s Plan Finder—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.

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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

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About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans