The 2025 Medicare provider directory has left many beneficiaries frustrated — and even at risk of choosing the wrong coverage.

Before you enroll or make changes this Annual Enrollment Period (AEP), here’s what you should know.

Common Pitfalls with the 2025 Provider Directory

• Inaccurate listings: Some doctors appear as both in-network and out-of-network for the same plan.
• Outdated or missing information: Many providers, especially in behavioral health, are no longer active or not listed at all.
• “Ghost” networks: Some plans list providers who don’t actually see patients or aren’t accepting new ones.
• Limited search tools: The directory doesn’t easily allow side-by-side plan comparisons, and a “no providers found” result may not clarify whether the doctor accepts Medicare or is just out of network.
• Enrollment confusion: Many seniors have reported difficulties navigating the new system, leading to uncertainty about which plan truly fits their needs.

Why This Matters

Choosing a plan that doesn’t include your doctors — or doesn’t cover your medications — can result in unexpected costs, disrupted care, and unnecessary stress.

What You Can Do

• Verify directly with your providers and plan. Always confirm that your doctors and specialists participate in your chosen network before enrolling.
• If you were misled, the Centers for Medicare & Medicaid Services (CMS) offers a Special Enrollment Period that allows you to change plans based on inaccurate directory information.
• Use the Medicare Advantage Open Enrollment Period (Jan 1 – Mar 31). If you discover your provider isn’t in-network after your coverage begins, you can make one plan change during this time.
• Work with a certified Medicare agent. MyCarePro’s Medicare experts can provide the personalized guidance you need to ensure your plan truly covers your doctors, hospitals, and prescriptions. We’ll help you compare real options and make confident decisions this AEP.