Prepare for January 1st Insurance Changes

The Annual Enrollment Period has passed, and your new 2026 Medicare coverage is just a few weeks away from going live. Whether you switched to a new Medicare Advantage plan, joined a different Prescription Drug Plan, or stayed with your current coverage, there are several steps you should take right now to ensure a smooth transition on New Year’s Day.

1. Watch the Mail for Your New ID Card

If you joined a new plan, your insurance provider should be mailing your new member ID card soon. Once it arrives:

• Check the details: Ensure your name and information are correct.

• Keep it handy: Starting January 1st, you will use this card instead of your old one at the doctor’s office and pharmacy.

• Don't throw away your Red, White, and Blue card: Always keep your original Medicare card in a safe place, even if you have a Medicare Advantage plan.

2. Confirm Your Healthcare Providers

Even if you didn't change plans, insurance networks can change on January 1st.

• Call your doctor: Confirm they will still be in-network for 2026.

• Check your pharmacy: Make sure your preferred pharmacy is still a "preferred" or "standard" provider for your drug plan to keep your co-pays as low as possible.

3. Review Your First Appointment of the Year

If you have a doctor’s visit scheduled for early January, call the office ahead of time. Let them know you have new coverage so they can update your file before you arrive. This prevents billing delays and ensures you aren't surprised by a network change at the front desk.

4. Know Your "Safety Net": The MAOEP

What happens if January 1st arrives and you realize your new Medicare Advantage plan isn't the right fit? From January 1st through March 31st, the Medicare Advantage Open Enrollment Period (MAOEP) allows those already enrolled in a Medicare Advantage plan to make a one-time change to a different plan or return to Original Medicare.

Every Circumstance is Different: Let’s Review Your Options

Medicare can be complex, and no two households have the exact same healthcare needs. If you have questions about your new 2026 benefits, or if you are concerned that your plan choice might not meet your needs, contact me today.

I am a local, independent agent dedicated to providing factual, unbiased guidance. I can help you navigate the transition into the New Year and discuss whether the MAOEP or a Special Enrollment Period (SEP) might be available for your specific situation.