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.

The ACA Marketplace Open Enrollment Period (OEP) is just around the corner. From November 1 through January 15 in most states, individuals and families can sign up for new coverage, renew existing plans, or switch to a different option if their needs or budget have changed.

Even if you’re happy with your current plan, it’s smart to take a second look. Provider networks, drug formularies, and monthly premiums can all shift from year to year, and a quick review could uncover savings or a better fit for your lifestyle.

With many plans and details to consider, OEP is the best time to make sure your health insurance works for you in the year ahead. Contact us for help reviewing your options before enrollment begins.