I’m going to start with the lessons from today’s video. First, understand that Advantage Plans have provider networks and you may be referred to a facility you would not choose. Second, if you arrange to be self-pay at an in-network facility of your choice without the plan’s approval and intend to appeal that, understand the process will likely be long and arduous.

We commonly hear people refer to Medicare Part A as “free.” Medicare Part A is indeed premium free for most Americans because American workers pay payroll taxes to fund Medicare Part A.

There are many Medicare enrollment periods. Some enrollment periods are relevant to those applying for Medicare; others are relevant to those already on Medicare. The enrollment period we are currently in only applies to those who are enrolled in a Medicare Advantage Plan as an individual. Those enrolled in an Advantage Plan provided through a former employer are generally bound by that company’s annual enrollment period.

Those who transition onto Medicare after age 65 because they had active group coverage through their employment or a spouse’s employment enroll in Medicare Part D coverage through what is referred to as a Special Enrollment Period (SEP).

Today’s video is on a confusing topic that is often a surprise to people who’ve enjoyed coverage as a spouse or as part of a family, and that is that Medicare is always specific to an individual.

We’re going to use New York City Part D Plan rates for 2026, which are shown below, to extend last month’s discussion. Fortunately, most markets are not as tumultuous as New York.

Today’s video is most relevant for the millions of Americans on a freestanding Medicare Part D drug plan. Our clients have just started to receive 2026 premium increase notices, and I want to share that information with you.

One of the tragedies of healthcare policy in our country is the whipsawing of millions of people gaining access to coverage and then losing it.

There is no doubt that many will be affected by changes to their coverage in 2026, but misinformation abounds, so today we want to concentrate on the facts about changes to Medicare in 2026.

Since the Affordable Care Act (ACA) reforms took effect in 2014, dependents have been allowed to remain…