That's why it's so important to review your plan's notice of change carefully. Generally, these notices go out by Sept. 30 so that Medicare enrollees have an opportunity to get updates on their plans in time for open enrollment. If you're new to getting one of these letters, here are some key points to look out for.

People eligible for the federal government’s Medicare program will have from Oct. 15 to Dec. 7 to sign up for 2025 Medicare Advantage plans, which are privately run versions of the program. They also can add a prescription drug plan to traditional Medicare coverage.

If that's your situation, and the cost of your Medicare Advantage plan is increasing in 2025, then that's reason alone to look at different plan choices. You may especially want to consider getting a new plan if your Social Security cost-of-living adjustment won't be enough to cover that increase in cost.

Top health officials, including HHS Deputy Secretary Andrea Palm, are helping seniors navigate Medicare choices during the open enrollment period. The recent town hall in Detroit addressed concerns over rising drug costs and introduced measures to relieve financial pressure for medications,