By John Salois
Each fall, Medicare beneficiaries have a golden opportunity to review their health coverage during the Annual Enrollment Period (AEP).
Each year, AEP runs from October 15 through December 7. Any changes you make this AEP will be effective January 1, 2026.
Even if you’re satisfied with your current plan, it’s important to take a look each year. Plans can change, your health needs may shift, and new benefits may be available. A little preparation can ensure your coverage works best for you—and can even save you money.
Why AEP Matters
Medicare is not a “set it and forget it” program. Insurance companies can adjust their plan benefits, costs, and provider networks annually. That means:
• The prescription drug that was affordable last year might be more expensive next year.
• Your doctor may no longer be in-network.
• New benefits like dental, vision, or hearing may now be offered by other plans.
By preparing ahead of AEP, you give yourself the best chance to find coverage that matches your lifestyle, budget, and healthcare needs.
Review Your Current Coverage
By now, you should have received your plan’s Annual Notice of Change (ANOC). This document spells out changes in costs, coverage, and benefits for the upcoming year.
To get a free step-by-step guide on how to read your Annual Notice of Change letter, go to my website:
www.johnsalois.com
Ensure that you have answered these questions:
• Will my monthly premium or deductible increase?
• Are my prescriptions still covered at a good price?
• Can I continue to see my preferred doctors,
specialists, and hospitals?
Even small changes in a plan can make a big difference in your out-of-pocket costs.
Reflect on Your Health and Lifestyle
Your health needs aren’t the same as they were five years—or even one year—ago. Take a moment to think about:
• Have you developed new conditions that require more specialist visits?
• Do you need stronger prescription coverage?
• Are you seeking additional benefits like dental, vision, hearing, or fitness programs?
• Would home delivery of medications or telehealth options make life easier?
Your healthcare should support your quality of life, not just cover emergencies.
Compare Plans
If you would like information about different plans, shopping for Medicare coverage doesn’t have to be overwhelming. As brokers, we’re here to help guide you through the process of comparing different plans and giving recommendations on plans that suit your needs.
We will help compare:
• Premiums (monthly payments)
• Deductibles and copays (what you pay when you get care)
• Maximum out-of-pocket limit (your yearly spending cap)
• Prescription drug coverage (including mail-order discounts)
• Extra benefits such as dental, vision, hearing, gym memberships, transportation, or even meal delivery after hospital stays
Mark Your Calendar
The AEP deadline of December 7 is firm. After that, you’ll be locked into your current plan unless you qualify for a Special Enrollment Period (for example, if you move, lose other coverage, or qualify for Medicaid).
Give yourself plenty of time—start reviewing in October, compare plans in November, and make your final choice before Thanksgiving if possible. That way, you won’t feel rushed as the deadline approaches.
Stay Safe from Scams
Sadly, Medicare fraud is common during AEP. Protect yourself with these tips:
• Remember: Medicare will never call you out of the blue and ask for your Social Security number or banking information.
• Only share personal details with trusted representatives.
• Watch out for high-pressure sales tactics or offers that sound “too good to be true.”
• Keep your Medicare card and number safe—treat it like a credit card.
Final Thoughts
Choosing the right Medicare plan is one of the most important decisions you make each year. Together, we can ensure that your coverage fits your health needs, protects your wallet, and provides peace of mind for the year ahead.
As a state-licensed, AHIP certified insurance broker, I can help with any questions you may have about your plan, as well as any other Medicare questions.
Give me a call soon, and I can help guide you through your Medicare decisions!
Warmest regards,
John Salois
Medicare Supplemental Insurance Advisor
239-507-0507