7. How to Navigate All This Without Losing Your Mind
You don’t need to be a policy expert to make a smart decision — you just need a plan.
Here’s your simple checklist for the 2025-2026 enrollment season:
Step 1: Review your current plan
Your insurer should have mailed your Annual Notice of Change (ANOC) in September.
Scan it for:
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Premium increases
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New copays or deductibles
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Dropped benefits or network changes
Step 2: Verify your doctors and hospitals
Use the CMS tool and call your provider’s office directly. Ask:
“Will you still be in-network for my 2026 plan?”
Step 3: Re-shop your drug coverage
Even if you take the same meds, plan formularies change. Compare drug costs under multiple Part D or Advantage options.
Step 4: Don’t wait until December 7
Systems get overloaded, helplines get busy, and small mistakes cause big headaches. If you find a plan you like, enroll early and confirm receipt in writing.
Step 5: Use help that’s free
You can call 1-800-MEDICARE or reach out to your state’s SHIP (State Health Insurance Assistance Program) for unbiased guidance. These counselors are trained to help you compare plans without trying to sell you anything.
