{"id":7607,"date":"2026-10-07T07:19:24","date_gmt":"2026-10-07T07:19:24","guid":{"rendered":"https:\/\/tmsbrokerage.com\/?p=7607"},"modified":"2026-10-07T07:19:24","modified_gmt":"2026-10-07T07:19:24","slug":"2027-star-ratings-and-plan-finder-timing-what-independent-medicare-agents-should-tell-clients","status":"publish","type":"post","link":"https:\/\/tmsbrokerage.com\/es\/2026\/10\/07\/2027-star-ratings-and-plan-finder-timing-what-independent-medicare-agents-should-tell-clients\/","title":{"rendered":"2027 Star Ratings and Plan Finder Timing: What Independent Medicare Agents Should Tell Clients"},"content":{"rendered":"<p><a href=\"https:\/\/tmsbrokerage.com\/es\/2026\/06\/24\/si-eres-un-agente-de-medicare-en-el-texas-hill-country-asi-es-como-elegiria-un-fmo-en-2026\/\"><b>Agentes independientes de Medicare<\/b><\/a><span style=\"font-weight: 400;\"> need to keep three dates and concepts separate heading into the 2027 plan year:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Medicare releases information about next year&#8217;s plans beginning in October.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Prospective marketing for the upcoming plan year begins October 1, subject to CMS and carrier requirements.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Medicare Open Enrollment begins October 15 and ends December 7.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Clients often combine those dates into one question:<\/span><\/p>\n<p><b>\u201cWhen can I see next year&#8217;s plans, and when can I change?\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The agent&#8217;s job is to explain the difference clearly without relying on preliminary information.<\/span><\/p>\n<h2><b>What Happens in Early October, and What Waits Until October 15?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Early October is when beneficiaries begin getting access to finalized information about the upcoming Medicare Advantage and Part D plan year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">CMS states that information for next year&#8217;s plans becomes available beginning in October.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That information can include:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Available Medicare Advantage plans<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Part D plans<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Premiums<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Deductibles<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Benefits<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Formularies<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Star Ratings<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Other approved plan-year information<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">However, access to next-year plan information does not mean the Annual Enrollment Period has begun.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Medicare Open Enrollment runs:<\/span><\/p>\n<p><b>October 15 through December 7.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">During that period, beneficiaries may make eligible Medicare Advantage and prescription drug plan changes for coverage beginning January 1.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A simple client explanation is:<\/span><\/p>\n<p><b>October is when next-year information becomes available. October 15 is when AEP enrollment begins.<\/b><\/p>\n<h2><b>Should Agents Quote 2027 Premiums in September?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Do not present preliminary information as final.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">During September, agents and organizations may receive preliminary or industry-facing plan information through carriers, FMOs, quoting platforms, or CMS processes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That does not mean the information should automatically be presented to beneficiaries as finalized 2027 plan data.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before giving a beneficiary a specific premium, benefit, formulary, network, or cost-sharing amount for 2027:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Confirm that the information is final.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Use an approved source.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Make sure the material is authorized for beneficiary use.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Follow the applicable prospective marketing date and carrier requirements.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If the information is preliminary, say so internally and wait for finalized beneficiary-facing information before representing it as final.<\/span><\/p>\n<h2><b>What Should Agents Tell Clients in September?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Keep the message simple.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example:<\/span><\/p>\n<p><b>\u201cYour plan may change for 2027. We can review your ANOC now and identify the questions we need to revisit once finalized 2027 plan information is available in October.\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">That is more accurate than giving a client an unconfirmed premium or benefit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">September is useful for:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">ANOC reviews<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Updating medication lists<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Updating providers<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Updating pharmacies<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Identifying travel needs<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Confirming Medicaid or LIS status<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Documenting plan concerns<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Preparing October follow-up<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It should not become a period for presenting unapproved prospective plan information as final.<\/span><\/p>\n<h2><b>What Are the 2027 Star Ratings?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Medicare Star Ratings help beneficiaries compare Medicare Advantage and Part D plan quality.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">CMS publishes Star Ratings annually and displays them through Medicare&#8217;s plan-comparison resources.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before final publication, Medicare Advantage and Part D sponsors receive plan preview periods.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The second plan preview generally occurs in September and includes preliminary Star Rating information so sponsors can review the data before it becomes public.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That preliminary information should not be treated as a final beneficiary-facing rating.<\/span><\/p>\n<h2><b>Should Agents Talk About Draft Star Rating Cutpoints?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Generally, not with beneficiaries.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Draft or preliminary cutpoints can be useful for internal industry analysis.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They are not the number the beneficiary should use to make a plan decision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If an agent sees preliminary information suggesting a contract&#8217;s Star Rating could change, the safer process is:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Wait for the final rating.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Verify it using the official Medicare plan information.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Then explain the final rating if it is relevant to the beneficiary&#8217;s comparison.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Do not call a beneficiary in September and tell them that their plan \u201clost a star\u201d based solely on preliminary preview data.<\/span><\/p>\n<h2><b>Are the 2027 Star Ratings Rules Changing?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">CMS finalized changes to the Star Ratings program for 2027 and later years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One important distinction is timing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">CMS finalized removal of 11 measures as part of its effort to streamline the Star Ratings measure set, but agents should not casually describe every 2027 rating movement as being caused by those measure removals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Star Ratings methodology is technical, and different changes apply to different measurement and rating years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For beneficiary conversations, focus on the final plan rating displayed by Medicare rather than trying to interpret preliminary cutpoint mechanics.<\/span><\/p>\n<h2><b>How Should Agents Explain a Star Rating Change?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Use neutral language.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example:<\/span><\/p>\n<p><b>\u201cMedicare updates Star Ratings each year using its quality methodology. This plan&#8217;s current rating is X stars. The rating is one factor we can consider along with your doctors, prescriptions, costs, network, and benefits.\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Do not imply:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">A higher-rated plan is automatically the best plan for everyone.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">A lower-rated plan is automatically a bad plan.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Star Ratings replace an individualized coverage review.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Star Ratings are one comparison factor.<\/span><\/p>\n<h2><b>What&#8217;s Changing With Medicare Advantage Provider Directories?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">CMS is implementing changes intended to improve provider-directory information available to beneficiaries.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For the 2027 plan year, Medicare Advantage organizations are required to provide provider-directory data for online publication and attest at least annually that the submitted information is accurate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">CMS also requires MA organizations to update provider-directory data when they become aware of changes, according to applicable requirements and technical guidance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is intended to improve transparency and make provider information easier to use during plan comparisons.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It does not eliminate the need for verification.<\/span><\/p>\n<h2><b>Should Agents Trust Medicare Plan Finder Provider Information Without Checking?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">No.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Use the directory as an important source, not an absolute guarantee.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For any provider that materially affects the beneficiary&#8217;s decision:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Search the current plan-year directory.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Verify the specific physician or facility.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Confirm the specific plan, not only the carrier.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">When appropriate, confirm participation with the provider.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Document when and where you checked.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Do not say:<\/span><\/p>\n<p><b>\u201cBaylor, CHRISTUS, or another system accepts this carrier.\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Instead ask:<\/span><\/p>\n<p><b>\u201cDoes this specific physician or facility participate with this specific plan?\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Provider participation can vary across contracts and products.<\/span><\/p>\n<h2><b>Should Agents Screenshot Provider Directory Results?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Documentation can be useful.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If a beneficiary&#8217;s plan decision materially depends on a particular provider being in-network, retain appropriate documentation of what was reviewed at the time of the comparison, subject to your organization&#8217;s privacy, record-retention, and compliance procedures.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That could include:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Date checked<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Plan<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Provider<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Directory source<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Result<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Notes from provider confirmation<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Do not store unnecessary sensitive information merely for convenience.<\/span><\/p>\n<h2><b>What Should I Tell a Client Who Calls in September Asking About 2027 Costs?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Explain that different Medicare costs become final on different timelines.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A client&#8217;s Medicare costs may involve:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Part B premium<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Part B deductible<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Medicare Advantage premium<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Part D premium<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Drug deductible<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Copays<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Coinsurance<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">IRMAA<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Other plan-specific costs<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Do not combine all of those into one statement such as:<\/span><\/p>\n<p><b>\u201cYour 2027 Medicare cost is $X.\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For MA and Part D, use finalized plan-year information when available.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For Original Medicare Part A and Part B costs, use CMS&#8217;s official annual announcements once released.<\/span><\/p>\n<h2><b>How Does October 1 Affect Marketing?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">October 1 is the beginning of the prospective marketing period for upcoming Medicare Advantage and Part D plan offerings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Agents should not market prospective 2027 plan offerings before that permitted date.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Beginning October 1, agents may use approved prospective 2027 marketing materials subject to:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">CMS requirements<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Carrier requirements<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">FMO or agency compliance requirements<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Applicable TPMO requirements<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Applicable Scope of Appointment rules<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Contact-permission requirements<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Do not assume that being able to see preliminary information before October 1 means it may be marketed.<\/span><\/p>\n<h2><b>What Changes on October 15?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">October 15 begins Medicare Open Enrollment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From October 15 through December 7, beneficiaries may make eligible changes involving Medicare Advantage and Medicare prescription drug coverage for the upcoming year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For elections made during AEP, coverage generally begins January 1.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is when comparison work can move into eligible enrollment activity.<\/span><\/p>\n<h2><b>What Should the September-to-October Workflow Look Like?<\/b><\/h2>\n<h3><b>September 15\u201330: Prepare<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Review ANOCs.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Update beneficiary providers.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Update medications.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Update pharmacies.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Confirm annual certifications.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Review carrier compliance materials.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Clean CRM data.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Identify clients needing priority follow-up.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Prepare approved October communications.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Do not present preliminary 2027 information as final.<\/span><\/li>\n<\/ul>\n<h3><b>Beginning October 1: Verify Finalized Information<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">As finalized 2027 information becomes available:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Confirm plan availability.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Verify premiums.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Review formularies.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Verify providers.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Review pharmacies.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Check final Star Ratings.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Update comparison notes.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Begin permitted prospective marketing using approved materials.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Do not assume every data element becomes available at exactly the same moment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Use the authoritative source currently available for each item.<\/span><\/p>\n<h3><b>October 1\u201314: Compare and Prepare<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Use the pre-AEP period to:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Review finalized information with clients as permitted.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Prepare individualized comparisons.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Complete applicable Scope of Appointment requirements.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Verify providers and medications.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Schedule AEP enrollment appointments.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Do not submit an AEP election before the enrollment period opens unless another valid enrollment period applies.<\/span><\/p>\n<h3><b>October 15\u2013December 7: AEP<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">During Medicare Open Enrollment:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Complete individualized plan comparisons.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Review beneficiary priorities.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Verify plan information.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Complete required compliance steps.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Submit eligible enrollments.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Maintain appropriate documentation.<\/span><\/li>\n<\/ul>\n<h2><b>How Should OmniReach Support This Workflow?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">OmniReach can be configured to help agents separate stages of the annual review process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Useful tags or fields may include:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">ANOC reviewed<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Provider update needed<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Prescription update needed<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Pharmacy update needed<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Follow-up after October 1<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Final Star Rating reviewed<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Plan comparison completed<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">SOA completed<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">AEP appointment<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Enrollment submitted<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Automations can help organize reminders and follow-up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They do not determine whether plan information is final, approved, or compliant for beneficiary use.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The agent must still verify the information.<\/span><\/p>\n<h2><b>What Should Agents Avoid?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Avoid these common mistakes:<\/span><\/p>\n<h3><b>Quoting Preliminary Information as Final<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If the carrier, FMO, or quoting system labels something preliminary, treat it as preliminary.<\/span><\/p>\n<h3><b>Using Draft Star Ratings With Clients<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Wait for the final published rating.<\/span><\/p>\n<h3><b>Assuming Provider Directories Are Perfect<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The new attestation requirements improve accountability but do not eliminate potential errors.<\/span><\/p>\n<h3><b>Marketing Before the Permitted Date<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Do not market prospective upcoming-year plan offerings before October 1.<\/span><\/p>\n<h3><b>Confusing October 1 With AEP<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">October 1 is not the first day a beneficiary can make an AEP election.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">AEP begins October 15.<\/span><\/p>\n<h3><b>Treating Star Ratings as the Whole Comparison<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Doctors, prescriptions, costs, benefits, networks, and individual circumstances also matter.<\/span><\/p>\n<h2><b>Where TMS Insurance Brokerage Fits<\/b><\/h2>\n<p><a href=\"https:\/\/tmsbrokerage.com\/es\/\"><b>TMS Corredur\u00eda de Seguros<\/b><\/a> <span style=\"font-weight: 400;\">helps independent Medicare agents build repeatable annual-review and AEP workflows.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Agent resources include:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><b>OmniReach CRM<\/b><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><b>Administrador de \u00c9xito del Agente Dedicado<\/b><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><b>Medicare-focused training<\/b><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><b>Carrier contracting support<\/b><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><b>Medicare Agent IQ education<\/b><\/li>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><b>Qualifying Brokerage Bucks marketing support<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For the September-to-October transition, OmniReach can help agents identify which clients have completed ANOC reviews, which need provider or prescription verification, and which need follow-up once finalized next-year information becomes available.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The system organizes the process.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The agent remains responsible for verifying current CMS and carrier information before making representations to beneficiaries.<\/span><\/p>\n<h2><b>Keep the Dates Straight<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The simplest framework is:<\/span><\/p>\n<p><b>Septiembre<\/b><span style=\"font-weight: 400;\"> Review, organize, and prepare.<\/span><\/p>\n<p><b>Beginning in October:<\/b><span style=\"font-weight: 400;\"> Verify finalized next-year Medicare plan information as it becomes officially available.<\/span><\/p>\n<p><b>October 1:<\/b><span style=\"font-weight: 400;\"> Prospective upcoming-year marketing may begin, subject to applicable rules.<\/span><\/p>\n<p><b>15 de octubre:<\/b><span style=\"font-weight: 400;\"> Medicare Open Enrollment begins.<\/span><\/p>\n<p><b>December 7:<\/b><span style=\"font-weight: 400;\"> Medicare Open Enrollment ends.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Clients do not need every technical detail behind CMS data releases.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They need an agent who knows the difference between preliminary and final information, verifies providers and medications, and uses the correct Medicare calendar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That is the workflow that reduces surprises once AEP begins.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Independent Medicare agents need to keep three dates and concepts separate heading into the 2027 plan year: \u00a0 \u00a0 \u00a0 Medicare releases information about next year&#8217;s plans beginning in October. \u00a0 \u00a0 \u00a0 Prospective marketing for the upcoming plan year begins October 1, subject to CMS and carrier requirements. \u00a0 \u00a0 \u00a0 Medicare Open Enrollment [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7608,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2027 Medicare AEP Dates &amp; Agent Preparation Guide<\/title>\n<meta name=\"description\" content=\"Learn the key 2027 Medicare dates, including October 1 marketing, October 15 AEP, Star Ratings, provider directories, and agent preparation.\" \/>\n<meta name=\"robots\" content=\"index, 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