Review your Medicare coverage before December 7 to ensure it still meets your healthcare and budget needs. Confirm any plan changes for 2026, update your list of providers and prescriptions, check eligibility for savings programs, and get personalized support from a trusted local Medicare advisor like Hilgerman Insurance Solutions in Camarillo, California.
Why a Year-End Medicare Review Matters
As we approach the end of open enrollment on December 7, Medicare beneficiaries have a limited window of time to make crucial decisions about their healthcare coverage. Whether you’re already enrolled or approaching eligibility, completing a year-end Medicare checklist can help ensure that your plan still aligns with your medical needs and financial goals.
We specialize in guiding Camarillo residents through Medicare with confidence, clarity, and compassion. With over a decade of dedicated experience, we help individuals understand their options, avoid costly mistakes, and secure the right coverage for the year ahead.
Your Medicare Year-End Checklist for 2026
Use this checklist to prepare for a smooth transition into the new year:
1. Review Your Annual Notice of Change (ANOC)
Each fall, your Medicare Advantage or Part D plan sends out an Annual Notice of Change outlining any changes in costs, coverage, or provider networks. Carefully compare these updates with your healthcare usage and prescription needs. If your plan no longer suits you, now is the time to explore alternatives.
2. Compare 2026 Medicare Plans
Medicare plans can change annually. What worked for you in 2025 may not be your best option for 2026. Using a local Medicare specialist can make comparing plans faster and easier. At Hilgerman Insurance Solutions, we provide clear, unbiased comparisons tailored to your needs—at no cost to you.
3. Verify Your Doctors and Pharmacies Are Still In-Network
Networks shift from year to year. Confirm that your primary care physician, specialists, and preferred pharmacy are still part of your plan’s network. Staying in-network ensures the highest level of coverage and helps you avoid unexpected bills.
4. Update Your Prescription Drug List
Drug formularies change, and new medications may have been added or removed from coverage. Review your prescriptions and cross-reference them with your plan’s 2026 drug list. This step can significantly impact your out-of-pocket costs.
5. Check Eligibility for Extra Help or Medicare Savings Programs
If your income or financial situation has changed, you may now qualify for assistance with premiums, deductibles, or prescription drug costs. These programs can reduce your overall healthcare expenses. A local expert can help determine your eligibility and assist with enrollment.
6. Schedule an Annual Medicare Review Appointment
The best way to ensure you’re fully prepared is by meeting with a licensed, local Medicare advisor. At Hilgerman Insurance Solutions, we offer personalized reviews to help you optimize your coverage, address changes in your health, and avoid costly oversights.
Why Work with Hilgerman Insurance Solutions?
Located right here in Camarillo, Hilgerman Insurance Solutions has earned the trust of seniors and families across Ventura County. We bring:
- Experience: Over 10 years helping individuals navigate Medicare confidently.
- Expertise: Deep understanding of plan options, enrollment periods, and cost-saving strategies.
- Authority: Recognized locally for clear guidance and trusted support.
- Trust: A community-focused approach that puts your well-being first.
Our commitment is not just to insurance, but to empowering you to make informed healthcare decisions that provide peace of mind throughout the year.
Important 2026 Medicare Deadlines to Keep in Mind
- Medicare Open Enrollment Period: October 15 – December 7, 2025
- Coverage Changes Take Effect: January 1, 2026
- Medicare Advantage Open Enrollment: January 1 – March 31, 2026 (for changes to existing Advantage plans)
Ready to Plan Ahead?
If you’re unsure about your current Medicare plan or just want a second opinion from a licensed local expert, Hilgerman Insurance Solutions is here to help. We offer free Medicare consultations, by phone or in-person, to make sure you’re ready for 2026.
Contact Hilgerman Insurance Solutions in Camarillo today to schedule your Medicare Year-End Review and step into 2026 with confidence.
Hilgerman Insurance Solutions
www.HilgermanIns.com