As fall approaches, so does an important time for Medicare beneficiaries: the Annual Election Period (AEP). Here are the key updates you should know about for 2026.Annual Notice of Change (ANOC)Carriers will soon mail their Annual Notices of Change (ANOC). This letter outlines adjustments to your premiums, co-pays, and benefits for the upcoming year. It’s important to review this document carefully so you can decide whether your plan still meets your needs.

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1st Carolina Care Leaving Medicare Advantage1st Carolina Care will end all Medicare Advantage plans on December 31, 2025 in several North Carolina counties, including Wake, Cumberland, and Chatham.👉 What this means for members: If you’re enrolled, you’ll have a guaranteed right to enroll in a Medigap planwithout health underwriting. This gives you added protection and options for your future coverage.

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Medicare Part D Deductible IncreaseIn 2026, the maximum allowable Part D deductible will rise to $615. This could increase your out-of-pocket costs for prescriptions depending on the plan you select.

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Why Are Benefits Changing?Several factors are contributing to today’s Medicare plan changes:

• COVID-19 surgical backlogs have driven up system costs.
• The 2024 Social Security data breach created delays and higher administrative expenses.
• The Inflation Reduction Act (IRA) capped prescription drug costs for beneficiaries, shifting more financial responsibility to carriers.

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We’re Here to HelpMedicare changes can feel overwhelming, but you don’t have to navigate them alone. Our team is ready to review your options and make sure you’re prepared for AEP.📅 Schedule your Medicare review today so you’re confident heading into this season of change.