With Medicare's 2025 open enrollment just weeks away (October 15 - December 7), this below statistic is alarming. With insurance, it is easy and comfortable to renew your insurance with the same product with the mentality of “if it is not broken don't fix it”. Unlike people with employer sponsored plans, beneficiaries healthcare needs can change drastically from year to year - thus needing different coverage, providers, medications, and stretching one's retirement dollar farther. It is imperative for beneficiaries to take a careful examination of their health, expected healthcare needs and enlist family members to assist in their coverage decisions. I also encourage providers to discuss the care they envision their patients needing in the upcoming year. Patients trust their doctors and need guidance.