Medicare Open Enrollment

Medicare Open Enrollment: What You Need to Know

Medicare Open Enrollment happens every year from October 15 to December 7. This is your opportunity to review your coverage and make changes that better fit your needs for the upcoming year. Whether you’ve had Medicare for years or you’re new to it, open enrollment is an important time to take action.

Why Open Enrollment Matters

Your health needs and budget can change from year to year—and so can Medicare plans. Premiums, copays, covered medications, and provider networks may look different in 2026 than they do now. If you don’t review your options, you could end up paying more than necessary or missing out on benefits that could save you money.

What You Can Do During Open Enrollment

During this period, you can:

• Switch from Original Medicare to a Medicare Advantage Plan (Part C).
• Switch from a Medicare Advantage Plan back to Original Medicare.
• Change Medicare Advantage Plans.
• Join, drop, or switch a Part D prescription drug plan.

Smart Tips for Reviewing Your Coverage

1. Check your Annual Notice of Change (ANOC). This document explains any changes to your current plan for the coming year.
2. Review your prescription drug needs. Make sure the medications you take are still covered at a price you can afford.
3. Look at provider networks. If you have a preferred doctor or hospital, confirm they’re still in your plan’s network.
4. Compare costs—not just premiums. Consider deductibles, copays, and out-of-pocket maximums.
5. Seek guidance if needed. Licensed Medicare agents can help you compare options at no extra cost.

Don’t Wait Until the Last Minute

It’s easy to put this off, but waiting until the deadline can add unnecessary stress. Reviewing your plan early ensures you have plenty of time to ask questions and make confident decisions.

TL&P Insurance Services is Here to Help

At TL&P Insurance Services, we know Medicare can feel overwhelming—but it doesn’t have to be. We’ll walk you through your options, answer your questions, and make sure you feel confident about your coverage for 2026. Whether in person, over the phone, or on Zoom, we’re here to make open enrollment simple and stress-free.

Open Enrollment is your chance to get the coverage you deserve. Let TL&P Insurance Services help you find the plan that’s the best fit for your needs.