Changes are coming, and you're not alone if you have questions. Here's what we know, and what you can do now to be ready.
Annual Enrollment Period starts October 15. The letters are already landing in mailboxes, and people are heading to Google with questions. I pulled together what Medicare beneficiaries are actually typing in right now, and a few themes jump out: plans ending, benefits changing, doctors possibly leaving networks, and a lot of "what do I do now?"
This Friday I'm answering all of them, live.
📅 Friday, October 2 at 2:30 PM Pacific 👉 Join the Facebook event here
I'll premiere a long-form video walking through each question, and I'll be in the comments the whole time taking your questions as they come in. Here's a preview.
Plans can change service areas, discontinue a plan, or leave a market altogether. The exact reason behind a specific carrier's decision often isn't made public. The more useful question is: what are my options now? That means rechecking your doctors, prescriptions, hospitals and costs, and looking at whether another Medicare Advantage plan or Original Medicare fits you better.
Yes. Your Annual Notice of Change tells you what changes on January 1 — benefits, costs, coverage and other plan details. Your plan isn't frozen in time. The ANOC is your yearly heads-up.
Check every year, even if your plan is staying. Networks can change while the plan continues. In some cases, significant network changes can create a special enrollment opportunity.
Plans redesign their benefits every year based on how members used them, provider costs, the economics of the market and the carrier's own priorities. I can't tell you why a particular carrier dropped a particular benefit, but I can explain how the process works and what to do about it.
Don't just grab the next plan on the list. Reassess your doctors, drugs, hospitals, how much care you expect to use, the network, the premium, the copays and the out-of-pocket maximum. You don't just need another plan. You need someone to help you look at the whole picture.
There's no universal winner. It depends on your health, budget, doctors, travel and how you feel about networks and prior authorization. One way to think about it: do you want to pay more predictably each month, or carry more of the cost as you use care?
These are the federal ceilings. Many plans set lower limits, so your plan's actual numbers are what matter.
The live stream is general education. I won't be recommending specific plans or carriers on air, because your situation is your own. If you want to talk through your plan, your doctors and your prescriptions, that's what a one-on-one is for, and you can set one up anytime at bobwisecarver.com.
Here's how I work: let me solve a problem for you, and I'll make it easy. If I do, I'd be glad to be your agent for life, a resource for you and the people you love.
See you Friday at 2:30 PM Pacific → RSVP on Facebook
— Bob Wisecarver, Wisecarver Solutions | 360-846-8200 | bob@bobwisecarver.com
This content is for general educational purposes only and does not recommend any specific plan or carrier. Figures reflect CMS limits and Medicare Trustees estimates as of September 2026; individual plan costs and benefits vary. Not connected with or endorsed by the U.S. government or the federal Medicare program.