As Medicare open enrollment runs from October 15 to December 7, beneficiaries should be attentive to upcoming changes and potential scams. Starting in 2025, a new Medicare Prescription Payment Plan will cap out-of-pocket prescription drug costs at $2,000 annually, allowing enrollees to spread these costs over time without interest or fees. However, with insurer mergers and changes, some costs may increase, and options may become limited, affecting affordability for older Americans. Beneficiaries should compare their current plans with new options to secure the best coverage and avoid being auto-enrolled into unsuitable plans. During this period, individuals must be vigilant against scams, as Medicare will never call for personal information; legitimate inquiries will occur through U.S. mail. Changes to Medicare coverage should only be done through official websites medicare.gov or healthcare.gov.