When it comes to Medicare, the buildup to October is always full of anticipation. There can be changes you will need to review regardless of what plan you are on. If you don’t devote some time to reviewing your coverage, you may be in for a “January Surprise” with very little recourse.

One important thing to note is that the Part D (prescription drugs) market is unpredictable. Remember, you receive Part D drug coverage through a stand-alone drug plan or inside your Advantage Plan. Information about 2026 drug coverage won’t come out until late September of this year. If there was ever a year for you to review your Annual Notice of Change, this is it! Many of the plans have cost increases. Here is how those changes might look depending on which plan you have.

Medicare Advantage Plans (Part

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