We are now in the Medicare Annual Enrollment Period (AEP), the time all Medicare beneficiaries can make changes to their coverage.
There are significant changes to many plans for 2026, including the elimination of some plans, higher premiums for others and increased costs for benefits. All this forces people to seek help in navigating the Medicare system.
The good news is that there are a sizable number of resources in making decisions. You can choose whatever way you want. Or use a combination.
A good place to start is Medicare.gov (gov not com). This is the official site for Medicare and provides a way to compare Medicare Advantage (Part C) and Prescription Drug (Part D) plans. If you want, you can also apply through the site or use it as a starting point. Use can also call 1-800-MEDICARE to speak to a person who can help you.
Another place to get help is the site for plans you are interested in. All the insurance companies have sites which allow thorough searches through their plans. This includes ensuring that your doctors, hospitals, and other providers are in-network. You can enroll through the sites or call the company’s number to speak to a licensed agent.
Yet another choice is to speak to your local State Health Insurance Assistance Program (SHIP) office. These people are not agents and cannot enroll you directly, but they can guide you in understanding your options.
Finally, you can contact a licensed insurance agent or broker to have them help you understand your options and, if desired, assist you in applying for coverage. You should know that agents and brokers are not allowed to charge you for their service. They may be compensated by the company for assisting you.
Have a stress-free AEP.
Scott Bennett is the Chair of the Commission on Aging and a licensed insurance broker.
