What's New

Medicare’s Annual Enrollment Period (AEP) runs from October 15 through December 7 , and it’s the time each year when you can review, compare, and make changes to your Medicare Advantage and Medicare Part D prescription drug plans. Any changes you make during this period will take effect January 1, 2026. With plan benefits, premiums, and provider networks changing annually, it’s important to take a fresh look to ensure your coverage still meets your health and budget needs.

What Should You Do?

• Review your Annual Notice of Change (ANOC) from your current plan
• Make a list of your providers and medications to confirm they’re covered
• Reach out early to schedule a one-on-one review with our team

As of October 1 , we are able to walk through your options and help you choose the plan that’s right for you. Contact us today to set up your review appointment so you’ll be ready when AEP officially opens.

If you spend part of the year in one state and part in another, you may be what’s often called a “snowbird.” While this lifestyle offers plenty of advantages, it can create challenges when it comes to Medicare coverage. The good news is that with some planning, your benefits can travel with you.

Original Medicare (Parts A and B) is straightforward—it works nationwide with any provider who accepts Medicare. But things can get more complicated with Medicare Advantage, Part D prescription drug plans , and Medigap . Advantage plans usually have local networks that may not extend to your second home, and drug plans often limit which pharmacies you can use. Medigap tends to offer the most flexibility, covering you with any Medicare-participating provider in the U.S.

It’s also important to know that Medicare requires you to keep one “primary residence,” and this determines your eligibility for certain plans. And while Medicare always covers emergency and urgent care anywhere in the U.S., routine care may be treated differently depending on your plan. If you split your time between states, reach out to us—we can help you determine if your current Medicare coverage will work for you in both locations.

Major changes are coming to Medicare Part D prescription drug coverage in 2026, as the Inflation Reduction Act continues to roll out. These updates are designed to make medications more affordable and predictable.

First of all, the new annual out-of-pocket cap is $2,100, up from $2,000 in 2025. Once you reach this amount, you’ll pay nothing for covered Part D prescription drugs for the rest of the year. Second, Medicare will begin drug price negotiations on 10 widely-used, high-cost medications, with additional drugs to be added in future years.

Other updates include an automatic re-enrollment if you are on a monthly prescription payment plan (PPP) for your covered prescription drugs, continued caps on insulin and vaccine costs, and new rules preventing drug manufacturers from raising prices faster than inflation. Together, these changes could provide meaningful relief — especially for those managing chronic conditions with expensive prescriptions.

You can view updated Prescription Drug Plans for 2026 on the Medicare.gov website. If you have questions about how these changes could affect your Medicare coverage or drug costs, reach out to us for guidance.