What's New

December 7 marked the end of Medicare's Annual Enrollment Period (AEP). If you missed the deadline and you didn't make any plan changes, you might still have opportunities to adjust your coverage. Depending on your situation, you may be able to make changes through the following enrollment periods:

• Medicare Advantage Open Enrollment (Jan 1–Mar 31): If you're already enrolled in a Medicare Advantage plan, you can make a one-time switch to another Medicare Advantage plan or return to Original Medicare.


• Special Enrollment Periods (SEPs): Certain life events—such as moving, losing employer coverage, or becoming eligible for Medicaid or Extra Help—can trigger an SEP , allowing you to make plan changes outside the usual enrollment windows.


• Medigap (Supplement) Policies: You can apply for a Medigap policy at any time. However, unless you have a guaranteed issue right , you may be subject to medical underwriting.


• Prescription Drug Coverage Assistance: If you qualify for Extra Help (the Low-Income Subsidy), you may be able to enroll in or change your Part D plan at any time.



Not sure what applies to you? We’re here to help. Contact our licensed agents for personalized guidance.

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.