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Medicare open enrollment is on now, through December 7. Changes start January 1. HealthCare.gov open enrollment is on now. Sign up by December 15 for coverage starting January 1.
All tools
Before you get care
- Browse what’s usually coveredOver 100 tests, treatments, drugs, and supplies, for every kind of coverage
- Find out what a visit or test will cost meCoverage, your doctor’s network, and typical local prices in one place
- Check if my drugs are coveredExact tier, cost, and limits for each drug on your Medicare or Marketplace plan
- See everything my plan coversUpload your plan’s benefits document and get the full picture
- Choose between the ER, urgent care, and telehealthWhat each is for and what it usually costs
- Understand my insurance cardWhat every number and term on the card means
- Find out if my doctor takes my insuranceLook the doctor up and check your insurer’s directory
- Look up an insurance termPlain-English meanings of the words on bills, EOBs, cards, and plan documents
After a bill or denial
- Make sense of a medical billSpot errors and get a letter to the billing office
- Get a prior authorization unstuckWho sends it, how long your plan has to decide, and what to do if it’s late or denied
- Fight a denied claimYour deadline, what to send, and a letter to edit
- Get my doctor to back up a requestA letter of medical necessity for prior authorization, an exception, or an appeal
Choosing coverage
- See what’s changing in 2027Drug costs, tax credits, Medicaid rules, and deadlines for next year
- Get ready for open enrollmentWhat to check before you renew or switch plans
- Change plans after a move, a baby, or losing coverageHow long you have to sign up or switch
- Tell my doctor my insurance changedA note with your new plan and member ID, ready to send to the office
- Choose Medigap or Medicare AdvantageWhat a light year and a bad year would cost on each
- Find out when to sign up for MedicareYour enrollment window, whether you can wait, and any late penalty
- See what Medicare costs this yearPremiums, deductibles, and coinsurance for every part, and the high-income surcharges
- Keep Medicaid or CHIP at renewalWhat your renewal letter means, your deadline, and what to do if coverage ended. En español también.
- Get help paying for coverageMedicaid, CHIP, Marketplace tax credits, and Medicare savings programs
- Choose a plan for next yearSee what each plan would cost you over a year