Medicare Annual Enrollment in Katy: Get Ready Before October 15
The Annual Enrollment Period runs October 15 through December 7, for coverage starting January 1. September is prep month — and appointment calendars fill fast once October 15 hits. Here's how Katy-area seniors get ready.
Schedule your Medicare appointment.
Book a Medicare appointment with a licensed Texas agent — Medicare Supplement, Medicare Advantage and Part D. No cost, no obligation.
Read the ANOC letter — it matters
Every September, your Medicare Advantage or Part D plan mails an Annual Notice of Change. It tells you what's changing January 1: premiums, drug tiers, copays, and network. If your medication moved tiers or your Katy doctor left the network, that letter is your early warning.
Your September prep list
Twenty minutes of prep makes the October review fast and accurate.
- Read your ANOC letter and note anything that got worse
- Write down every prescription you take, with dosage
- List the doctors you want to keep — primary, specialists, preferred hospital
- Book your review appointment before the October 15 rush
What you can change during AEP
October 15 – December 7 is your window to switch Medicare Advantage plans, drop Advantage and return to Original Medicare with a Part D plan, join or switch a Part D drug plan, or move from Original Medicare to an Advantage plan.
Local networks to compare
Advantage plans in the Katy area differ mainly by network — Houston Methodist West, Memorial Hermann Katy, Memorial Hermann Cypress, HCA Katy and the Kelsey-Seybold clinics aren't all on every plan. Because Katy spans Harris, Fort Bend and Waller counties, your exact address determines which plans you can pick.
Get local help — free
You'll work with a licensed, Katy-based independent agent — not a call center. We shop the carriers, check your doctors against Katy-area networks (Memorial Hermann Katy, Houston Methodist West, HCA Houston Healthcare West, Texas Children's West Campus), and explain the trade-offs in plain English. No obligation, no pressure.
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Disclaimer
TXInsurance.com is not Healthcare.gov, Medicare.gov, CMS, or any government agency. Licensed in select but not all states. We do not offer every plan available in Katy. Alternative coverage options are not ACA-compliant qualified health plans and not everyone qualifies. All calls may be monitored and recorded.
*Some ACA plans in some areas have a small one-time enrollment fee due to little or no broker compensation. Agency enrollment fees never apply to Medicare products.