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I’m glad you are here. Let’s talk about Medicare. I am a phone call or email away.  If you are new to Medicare and need help, fill out my contact form below. If you already have Medicare this section  is for you.

Two things are happening right now as we prepare for

 Medicare’s Annual Election Period Oct. 15-Dec 7.

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If you have a Medicare Advantage plan or Part D plan:

Two things will happen, but NOT both.

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You will receive an Annual Notice of Change (ANOC) OR you may get a Plan Termination Notice from the Center for Medicare Medicaid Services (CMS), if an insurance company is not renewing a plan.

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The ANOC includes information on your 2026 plan. The first few pages outline the changes for next year. Please read those carefully.

The scariest notice will be a Plan Termination Letter!

Do not panic, I can help!

Option 1-Pick a new Medicare Advantage plan

OR

1. Return to Original Medicare Parts A and B and choose a Medigap (Medicare supplemental plan) In the case of plan terminations, no health questions are asked. This situation falls under Medicare’s guaranteed issue rules.

RULES Rules and more rules:

During AEP, all consumers have the options of switching from Original Medicare to a Medicare Advantage plan (or vice versa), changing to a different Medicare Advantage or Part D plan, dropping your drug coverage, or adding Part D coverage if you don't have it.

NOTE: If one switches back to Original Medicare, you may not qualify for a Medigap plan due to pre-existing health conditions. This is why the Guaranteed Issue rule is so valuable.