Question 1

What are the major Medicare changes for 2026?

Accepted Answer

The headline change is the new $2,100 annual out-of-pocket cap for Part D prescription drugs. Additionally, Medicare will begin using newly negotiated prices for several high-cost drugs, and coverage is expanding for GLP-1 weight-loss medications.

Question 2

I missed Open Enrollment, can I still change my plan for 2026?

Accepted Answer

Yes. From January 1 to March 31, 2026, you can use the Medicare Advantage Open Enrollment Period (MAOEP). Also, if you have both Medicare and Medicaid, or qualify for a Special Election Period (SEP), you may have additional options.

Question 3

How does the $2,100 Part D cap work in 2026?

Accepted Answer

Once you spend $2,100 on covered prescriptions in 2026, you pay $0 for the rest of the year. This is part of the final phase-in of the Inflation Reduction Act's drug cost protections.

Question 4

When does the next enrollment cycle for 2027 start?

Accepted Answer

Annual Enrollment for 2027 will begin on October 15 and run through December 7, 2026. This is when you should review the new 2027 plan benefits.

Question 5

What is the difference between Medicare Advantage and a Medigap supplement?

Accepted Answer

Medicare Advantage is an all-in-one private plan with its own copays and doctor network. A Medigap supplement works together with Original Medicare to fill its gaps — usually a higher monthly premium, but broader access to providers. I walk you through both so the choice matches your doctors and your budget.

Question 6

Does Medicare cover dental, vision and hearing?

Accepted Answer

Not Original Medicare — routine dental, eye exams and hearing aids are generally not covered. Many Medicare Advantage plans do include them, but the amounts and networks vary widely. I compare which plans in your ZIP code include the benefits you would actually use.

Question 7

Can I change my Advantage plan after March 31?

Accepted Answer

Outside the enrollment windows your plan is normally locked until the next Annual Enrollment. Still, qualifying life events — moving, losing employer coverage, changes with Medicaid — open a Special Enrollment Period. That is exactly why reviewing your situation is free and worth doing.

Question 8

I still work at 65 and have employer coverage. Do I need Medicare now?

Accepted Answer

It depends on the size of your employer and the order in which coverage pays. Enrolling in the wrong order can trigger a Part B penalty that lasts for life. Bring your employer plan details to a free review before your 65th birthday and we time it correctly.

Question 9

How much will my Part B premium cost in 2026?

Accepted Answer

It depends on your income (the IRMAA adjustment) and how long you or your spouse paid Medicare taxes. Instead of guessing from a chart, bring your situation to a free review — you will see your real number and whether you qualify for programs that lower it.

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