Medicare Open Enrollment in San Diego

Opens Thursday, October 15, 9 days from now, and runs through Monday, December 7. Changes start January 1, 2027.

Call HICAP (free): 1-800-434-0222 Medicare Plan Finder

• HICAP, run in San Diego by Elder Law & Advocacy: 1-800-434-0222 (Elder Law & Advocacy's San Diego office: (858) 565-1392). Free counseling on Medicare, Medigap, Part D drug plans and appeals. In their words: "We do not sell, endorse, or promote commercial insurance products or services."
• Medicare itself: 1-800-MEDICARE (1-800-633-4227), or compare plans yourself on the Plan Finder.

Sources: Medicare.gov enrollment periods · Elder Law & Advocacy, HICAP. Checked October 5, 2026.

• Join, drop or switch Medicare Advantage plans, with or without drug coverage.
• Go back to Original Medicare from a Medicare Advantage plan, or move from Original Medicare to Medicare Advantage.
• Join, switch or drop a Part D drug plan.

Do nothing and your current plan generally continues, with whatever changes it announced for 2027.

1. Your Medicare card and your current plan's card.
2. Every prescription, with the dose and how often you take it.
3. Your doctors and the pharmacy you use.
4. Your plan's Annual Notice of Change for 2027, the letter that lists what's changing.

Medicare won't call asking for your Medicare Number unless you gave permission first. A cold call pushing a "better plan" is a salesperson; HICAP will give you a second opinion for free. Here part of the year? Medicare for snowbirds. The red flags and the scams to know this fall.

Paying a lot for drugs? Check Medicare Extra Help first: about $5,700 a year of help that many people who qualify never apply for, and a Medi-Cal route if your savings are over its limit.

The hard part is often the tech: the Medicare.gov login, printing the drug list, setting up the HICAP appointment. Text PJ for hands-on help with the logins and paperwork. He doesn't sell or recommend plans; that's HICAP's job. More real people: just need a human. Flu season too: where to get a flu shot. Under 65: Covered California open enrollment.

Need a human?

This page is built every morning from public data by SideGuy, run by PJ, a local in Solana Beach. If something looks off, or you want a hand with your plans, text PJ at 858-461-8054. A real person answers.

Local help, free to read: make your fix plan · senior benefits checkup · lower your SDG&E bill · Medicare Extra Help · the next 90 days. Plans start as low as $25.