Every fall, Medicare beneficiaries have a limited window of time to review and make changes to their coverage. This period—known as Medicare Annual Enrollment (AEP)—is open now through December 7th. It’s the one time of year when you can make sure your plan still fits your healthcare needs, budget, and lifestyle for the coming year.
As the December 7th deadline approaches, now is the time to take a close look at your options—and make informed decisions that could save you money and ensure better coverage for 2026.
Why Reviewing Your Medicare Plan Matters
Even if you’re happy with your current plan, it’s worth reviewing your coverage every year. Insurance companies frequently make changes to their premiums, copays, drug formularies, and provider networks. That means a plan that worked well for you this year might not fit as well next year.
You might also have new prescriptions, a recent diagnosis, or changes in how often you see your doctor—all factors that can impact which plan gives you the best value.
By taking the time now to review your plan, you can avoid unexpected costs and ensure your coverage continues to meet your health needs.
Your Options During Medicare’s Annual Enrollment Period
During AEP, you can:
- Switch from Original Medicare to a Medicare Advantage plan, or vice versa
- Change from one Medicare Advantage plan to another
- Join, drop, or switch a Part D Prescription Drug Plan
Each option comes with its own set of benefits and considerations. For example, some Medicare Advantage plans offer extra coverage—like vision, dental, or hearing benefits—that Original Medicare doesn’t include. Others may lower your out-of-pocket costs or provide better access to your preferred doctors and pharmacies.
Avoiding Common Mistakes
A common mistake people make is waiting until the last minute to make changes—or assuming their current plan will automatically stay the same.
By starting early, you have time to compare plans, review the details, and ask questions. Rushing decisions or missing the deadline could leave you locked into a plan that doesn’t serve your best interests for another year.
How Hilgerman Insurance Solutions Can Help
At Hilgerman Insurance Solutions, we know how confusing Medicare can be. With so many plan options and fine print, it’s easy to feel overwhelmed. That’s why Deborah Hilgerman, a trusted local Medicare specialist, takes the time to understand your unique healthcare needs and help you compare your choices—side by side, in plain language.
We’ll help you:
- Understand how your prescriptions and doctors fit within each plan
- Compare plan benefits, premiums, and out-of-pocket costs
- Identify potential savings opportunities
- Enroll in a plan that provides the best coverage for your needs in 2026
Our goal is to make Medicare simple, personal, and stress-free—so you can make confident decisions before the December 7th deadline.
Don’t Wait—Schedule Your Medicare Review Today
Medicare’s Annual Enrollment Period only comes once a year, and the deadline to make changes is December 7th. If you haven’t reviewed your plan yet, now’s the time.
Contact Hilgerman Insurance Solutions today to schedule your free Medicare review. Let’s make sure your plan fits your needs, your health, and your budget for the year ahead.
Hilgerman Insurance Solutions
www.HilgermanIns.com