Medicare Advantage Open Enrollment Period:

Your Guide to Making Medicare Advantage Changes

If you have a Medicare Advantage plan and want to make changes to your coverage, you have an opportunity to do so from January 1 to March 31, 2025. This is called the Medicare Advantage Open Enrollment Period.

What Can You Do During This Time?

You can make one of these changes:

  • Switch to a different Medicare Advantage plan
  • Go back to Original Medicare and add a drug plan
  • Return to Original Medicare without a drug plan

Why Would You Want to Make a Change?

You might want to change your plan if:

  • Your doctors no longer accept your current plan
  • Your medications cost too much
  • You need services your current plan doesn’t cover
  • You’re spending too much on medical care
  • You want to see doctors in different areas when you travel

Before Making Any Changes

Take these simple steps:

  1. Check if your doctors accept the new plan
  2. Make sure your medications are covered
  3. Look at what you’ll pay for:
    • Monthly premiums
    • Doctor visits
    • Hospital stays
    • Medications

Important Things to Know

  • Any change you make will start the first day of the next month
  • You can only make one change during this time
  • If you’re happy with your current plan, you don’t need to do anything

How to Get Help

Free help is available from:

  • Medicare: Call 1-800-MEDICARE (1-800-633-4227)
  • Your State’s SHIP Program: Free counselors who can explain your options
  • Medicare.gov: Look up and compare plans online

When to Act

Don’t wait until the last minute. If you think you want to make a change:

  • Start looking at your options in January
  • Take time to compare plans carefully
  • Make your decision before March 31
  • Get help if you need it

Questions to Ask When Looking at Plans

  1. Will I be able to see my current doctors?
  2. How much will my medications cost?
  3. What will I pay for:
    • Regular doctor visits?
    • Specialist visits?
    • Hospital stays?
    • Lab tests?
  4. What extra benefits does the plan offer?
    • Dental care?
    • Eye care?
    • Hearing aids?
    • Fitness programs?

Need More Help?

Our licensed specialists are here to help you understand your options. You can:

    • Attend A Medicare 101 Event- Find One In Your Neighborhood HERE!

Remember: This is your chance to make sure your Medicare coverage works best for you. Take your time, ask questions, and get the help you need to make the right choice.


ternalHealth is an HMO and/or PPO plan with a Medicare contract. Enrollment in our plans depends on contract renewal. To enroll in an eternalHealth plan you must meet certain eligibility requirements and reside in the plan’s CMS-approved service area. Our plans’ 2024 service areas, as applicable, include select counties in Arizona and Massachusetts. eternalHealth complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Representatives are available 8am to 8pm, Monday to Friday (from October 1 to March 31, 8am to 8pm, 7 days a week).

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Page Last Updated On: January 16, 2025
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Tom Cunniffe

Tom Cunniffe

Director of Operations 

Tom Cunniffe comes to eternalHealth with over 20 years of healthcare operations’ experience, having held leadership positions in Call Center, Enrollment, Credentialing, UAT and Reimbursement teams. Tom has worked with Medicaid, Commercial and Medicare lines of business and has consistently built teams who are metrics driven with proven successful outcomes. Making sure our business strives for an efficient, best-in-class customer experience is at the center of Tom’s philosophy.

Tom has a bachelor’s degree from Fordham University and a master’s in business administration from University of Massachusetts at Amherst.

Tom Lawless

Tom Lawless

Chief Financial Officer

Tom Lawless has spent the past 20+ years building, sustaining, and growing new healthcare-related programs that balance fiscal responsibility & prudence with creativity & innovation, focusing on models of care that are novel, person-centered, and improve the social welfare of those who are served. He is very excited to continue doing so in his role as the Chief Financial Officer of eternalHealth.

Tom comes to eternalHealth from a not-for-profit, member-centric, health insurance cooperative. He helped the company continuously strive toward its dual goals of thriving financially, while keeping members at the very epicenter of its mission and service model. While there, Tom also spearheaded the creation of a brand new private, charitable foundation, which will be meaningfully giving back to those in need in the surrounding communities for years to come. Previously, Tom worked in the finance department of a successful hospice that provided high-quality care to persons experiencing their unique and poignant end-of-life journeys, assuring that the appropriate financing was always available. Tom’s career began as a civil servant in the Wisconsin Medicaid program, where he helped to create a program that expanded the institutional entitlement to care into home and community-based settings. Starting with only a blueprint in hand, the program now serves more than 57,000 frail elders and disabled adults and is considered a national model. Growing into a senior leadership role, Tom was a key architect of an innovative financing model, through which the public and private sectors successfully collaborated to better the lives of persons in great need.

Tom holds undergraduate and graduate degrees from the University of Chicago, with additional graduate work in economics completed at the University Wisconsin-Madison.

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