Confirm your clinicians
Search the plan directory and call the plan. Then call the clinic, because directories and network participation can change.
Your Health · Updated October 21, 2026
Medicare Open Enrollment: a primary care checklist for 2027 coverage.
Medicare Open Enrollment runs from October 15 through December 7, 2026. If you are comparing coverage for 2027, look beyond the premium. Confirm that your preferred clinicians, prescriptions, pharmacies, and follow-up care fit the plan before you make a decision.
Florida patients: verify before you scheduleNetwork participation can vary by plan, provider, location, and service.
Keep care connected
Your plan choice can affect your doctors, medications, referrals, and costs.
Start with the care relationships and services you rely on, then confirm each item directly with the plan and medical office.
Provider networkPrescription coverageContinuity of care
Review every medication
Check the plan formulary, preferred pharmacies, prior authorization rules, quantity limits, and estimated annual cost.
Compare more than premiums
Review deductibles, copays, coinsurance, the out-of-pocket maximum, specialist costs, hospital coverage, and drug costs.
Protect continuity of care
Ask about referrals, telehealth, urgent needs, labs, imaging, specialists, transportation benefits, and travel coverage.
Questions to ask before selecting Medicare coverage
- Are my primary care provider and preferred clinic locations in network for 2027?
- Are my specialists, hospital, laboratory, imaging center, and pharmacy included?
- Are all my prescriptions covered, and at what tier and annual cost?
- Does the plan require referrals or prior authorization for services I use?
- What are the copays, coinsurance, deductible, and annual out-of-pocket maximum?
- Will a plan change interrupt current treatments, medications, or scheduled procedures?
How Florida Health Care of Brevard can help
Our office can help confirm whether a particular insurance product is accepted at a location and whether a provider participates. Coverage and benefits are determined by the health plan, so patients should also confirm directly with their plan before scheduling.
Florida Health Care of Brevard does not sell insurance and does not recommend one Medicare plan over another. For official, unbiased Medicare information, use Medicare.gov, the Medicare Plan Compare tool, or call 1-800-MEDICARE.
Prepare for your first visit in 2027
Bring your current photo ID, Medicare card, Medicare Advantage or supplement card if applicable, medication list, preferred pharmacy, specialist list, and recent records that may not already be available through the patient portal.
When is Medicare Open Enrollment in 2026?
It runs October 15 through December 7, 2026. Coverage changes made during this period generally take effect January 1, 2027.
Can the clinic tell me which plan to choose?
No. The clinic can help confirm participation and access questions, but it does not sell or recommend Medicare plans. Use Medicare.gov or 1-800-MEDICARE for official comparisons.
How do I confirm that my provider is in network?
Check the plan's current directory, call the plan using the number on your card, and call the medical office. Ask about the exact plan name, provider, location, and service.
Official sources
Medicare.gov: Open EnrollmentCMS: Medicare Open Enrollment resourcesThis educational article is not insurance or enrollment advice. Plan benefits, networks, formularies, and costs can change. Verify information with Medicare and the plan.