Medicare Advantage
Naperville Medicare Choices: Know the Dates Before Dec. 7
# Protecting Your Medicare Number and Your Deadlines in…
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Key takeaways
- The Annual Enrollment Period runs Oct. 15 through Dec. 7, and changes made then take effect Jan. 1.
- If you are already in a Medicare Advantage plan, you get a second window from Jan. 1 to March 31 to make one change.
- Your first chance to enroll is your Initial Enrollment Period — a 7-month window around your 65th birthday — and missing it can bring lifelong late penalties.
- Naperville is in DuPage County, where 72 Medicare Advantage plans from 12 carriers are available for 2026.
NAPERVILLE, Ill. — If you live in Naperville and are sorting through Medicare this fall, you have plenty of choices to weigh — and a calendar full of deadlines that decide when you can act on them. Naperville sits in DuPage County, where 72 Medicare Advantage plans were available for 2026, offered by 12 carriers with prescription drug coverage built in; the 2027 lineup shows up in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder. That is a lot to compare, and missing the right window can lock you out until the next one opens.
This guide focuses on the timing: which enrollment periods apply to you, what happens if you miss one, and how the dates fit together.
The window most Naperville readers ask about: Oct. 15 – Dec. 7
This is the Annual Enrollment Period (AEP), and it is the one most people mean when they say “Medicare open enrollment.” During AEP you can:
- Switch from Original Medicare to a Medicare Advantage plan, or the other way around.
- Change from one Medicare Advantage plan to another.
- Join, drop, or switch a Part D prescription drug plan.
Any change you make during AEP takes effect January 1. If Dec. 7 passes and you did nothing, your current coverage simply rolls into the new year — which is fine if it still fits, and a problem if your drugs, doctors, or costs have changed.
The second window: Jan. 1 – March 31 (Medicare Advantage only)
If you are enrolled in a Medicare Advantage plan on Jan. 1, you get one more chance during the Medicare Advantage Open Enrollment Period. In this window you can switch to a different Medicare Advantage plan or drop it and return to Original Medicare (and add a Part D plan). You get one change — not unlimited swaps.
People in Original Medicare on Jan. 1 do not get to use this window. That is a common point of confusion.
Turning 65? Your Initial Enrollment Period is 7 months
If you are new to Medicare, your first window is built around your 65th birthday: the three months before the month you turn 65, your birthday month, and the three months after. That is seven months total.
Signing up in the three months before your birthday month usually means coverage starts the month you turn 65. Waiting until your birthday month or later can delay the start date.
Miss this window without other qualifying coverage and you may face:
- A Part B late-enrollment penalty that gets added to your premium — for life.
- A Part D late-enrollment penalty if you go 63 days or more without creditable drug coverage.
- A wait until the next General Enrollment Period (Jan. 1 – March 31) just to sign up for Part B.
Special Enrollment Periods: the “life happened” dates
Some life events open a Special Enrollment Period (SEP) outside the normal windows. Common ones include moving out of your plan’s service area (say, leaving DuPage County), losing employer or union coverage, or qualifying for Extra Help or Medicaid. SEPs usually last about two months from the triggering event, so act quickly and keep paperwork that proves the date.
A few program numbers worth keeping in mind
These are program-wide figures from CMS, not tied to any single plan:
- Part D out-of-pocket cap: $2,100 for 2026. Once you spend that on covered drugs, you pay $0 for the rest of the year.
- Part D maximum deductible: $615.
- The old “donut hole” coverage gap is gone as of 2025; Part D now has three phases.
- The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments instead of paying big amounts at the pharmacy.
- IRMAA surcharges (higher Part B and Part D premiums for higher earners) begin above $109,000 in income for a single filer in 2026.
Protecting your Medicare number while you shop
Deadline season is also scam season. A few plain rules:
- Treat your Medicare number like a credit card number. Medicare will not call, text, or knock on your door to “verify” it.
- Do not give your number to anyone offering “free” braces, genetic tests, or gift cards.
- If someone pressures you to enroll on the spot, that is a red flag — real agents will give you time to read the paperwork.
- Report suspected fraud to 1-800-MEDICARE or the Illinois Senior Medicare Patrol.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in DuPage County
(MA penetration in DuPage County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
What happens if I miss the Dec. 7 deadline in Naperville?
I just turned 65. How long do I have to sign up?
How many Medicare Advantage plans are offered where I live?
Where can I get unbiased help comparing options?
- CMS — MA/Part D Landscape & Plan Finder data
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Naperville
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This page was last updated: September 29, 2026.