Medicare Annual Open Enrollment doesn't begin until October 15, but preparing ahead of time can make choosing the right coverage much easier.

One of the best things you can do before enrollment begins is review your healthcare needs. Have you started taking new medications? Have you changed doctors or specialists? Are your current healthcare costs higher than expected? Making note of these changes now will help you compare plans with confidence this fall.

There are also important updates for 2026. Medicare Part D continues to evolve, including an annual out-of-pocket prescription drug spending limit of $2,100 and the continued availability of the Medicare Prescription Payment Plan, which allows many beneficiaries to spread prescription costs over monthly payments instead of paying large amounts all at once. These updates may affect which plan is the best fit for your healthcare needs.

For many people in Western New York, this year's enrollment season may be especially important due to changes among several local Medicare Advantage plans. If your current coverage is changing or you simply want to review your options, starting the conversation now can help you avoid last-minute decisions.

Remember, you don't have to wait until October to ask questions. A little preparation today can help you feel informed, confident, and ready when Open Enrollment begins. As always, we’re here to help either other the phone, or in person. Contact our team today, 📞 716-693-6800