Health and Life Insurance
Things Can Change So Review Your Medicare Coverage Options: Open Enrollment is Through Dec. 7
It’s time to visit your Medicare Coverage Options. Medicare Open Enrollment is your opportunity to give your Medicare plan a check-up. Plans change every year, and now is the time to check if a new plan could be better for you.
Things Can Change So Review Your Medicare Coverage Options: Open Enrollment is Through Dec. 7
(Feature Impact)Medicare Open Enrollment is your opportunity to give your Medicare plan a check-up. Plans change every year, and now is the time to check if a new plan could be better for you.
If you have Medicare, taking the time to review your coverage options each fall is one of the most important health decisions you can make.
Give Your Medicare Plan a Check-up
- Check your coverage. Ensure your preferred doctors, prescriptions and preferred pharmacies are covered.
- Check your costs. Look at premiums, deductibles, copays and other out-of-pocket costs.
- Check for changes. See what will be different in your plan for the coming year.
- Check your options. Compare plans side by side based on the prescriptions you take. Find the right plan for your health needs and your budget. Make sure your drugs are covered.
Now is the one time you can make changes to your health and prescription drug plans and find a plan that’s better for you. Medicare Open Enrollment is your opportunity to review and compare options and take control of your expenditures and coverage.
Medicare plans change annually and so does your health. What worked for you last year may be different than what will work best this year. A review of your options can help you secure a plan best fit to your current lifestyle and health needs – while potentially saving you hundreds of dollars on out-of-pocket costs.
For instance, a person with Medicare compared drug plans to find the best costs and coverage for their prescriptions, including a blood thinner and a common cholesterol medication. Using medicare.gov, they found the yearly cost for a Medicare drug plan and these prescriptions ranged from $1,356-2,965. By choosing the lowest-cost plan, they saved more than $1,600 while keeping their essential medications covered.
Medicare.gov is the Official Source
For all your Open Enrollment needs, Medicare.gov is your official source. It’s the trusted resource to help you navigate Open Enrollment, allowing you to explore and compare every available Medicare health and drug plan available in your area. If you prefer speaking with someone directly, call 1-800-MEDICARE to connect with a team of experts who are available 24/7 to help you review your options and answer any questions about your Medicare coverage.
To get started, go to Medicare.gov and click on “Find Plans Now.” For the best shopping experience, log in or create a Medicare account. You can easily compare plan costs, side by side, based on the medications you take. Make sure the plan you choose covers your prescription drugs and your doctors.
Don’t Wait – Open Enrollment Ends Dec. 7
If you miss the Dec. 7 deadline, you may need to wait a full year before you can make any changes to your coverage. That’s why getting started early is important. Make sure you give yourself enough time to review and compare your options. You’ll want to consider factors like costs, benefits and prescription drug plans.
Medicare Open Enrollment is the perfect time to plan for the future and prioritize your health. Making sure you have a health plan that can support you in your wellness journey is critical, so don’t wait. Start reviewing your Medicare plan options today at Medicare.gov.
Stay Vigilant Against Medicare Fraud
Stay vigilant against Medicare fraud, especially during Medicare Open Enrollment. Scammers take advantage of this time of year; they may pretend to be from Medicare or an insurance company in order to steal your personal information.
Remember that Medicare will never contact you unsolicited. If someone you do not know calls, texts or emails you about Medicare, simply hang up or delete the message. By staying alert, you can help stop fraud before it starts.
If you suspect Medicare fraud, report it immediately to Medicare at Medicare.gov/fraud or at 1-800-MEDICARE. As always, remember to never give out your Medicare Number, Social Security Number or financial information to anyone you don’t know.
Information provided by the U.S. Department of Health & Human Services.
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Centers for Medicare and Medicaid Services
Health and Life Insurance
Lessons in Life Insurance: 4 Reasons Getting It May Be Easier Than You Think
Life is the most valuable thing you have – and like all valuable things, it should be insured. Even thinking about life insurance can be stressful, so it’s one of those things that’s easy to put off and tell yourself you’ll do another day. Consider these four ways to make getting life insurance simpler than you thought.
Lessons in Life Insurance: 4 Reasons Getting It May Be Easier Than You Think
(Feature Impact) Life is the most valuable thing you have – and like all valuable things, it should be insured. Even thinking about life insurance can be stressful, so it’s one of those things that’s easy to put off and tell yourself you’ll do another day.
If that’s how you feel, you aren’t alone. According to the 2026 Life Happens Life Insurance Survey, nearly half (46%) of U.S. adults have getting life insurance on their to-do list but plan to deal with it later or not at all. Confusion, procrastination and cost concerns are among the main reasons people kick this can down the road, according to 45% of respondents.
Yet the survey also uncovered an interesting disconnect: 69% of Americans said they personally know someone who had life insurance or whose family used a life insurance policy, most often a parent or parent figure (33%), but still haven’t made getting coverage a priority.
“Life insurance isn’t unfamiliar to most Americans,” Life Happens Executive Director Brian Steiner said. “The challenge is turning that awareness into action. People may think life insurance is something they can deal with later, but waiting can leave the people they love financially vulnerable. Getting started doesn’t have to be complicated, and professional guidance can help you find protection that fits your needs and budget.”
Consider these four ways to make getting life insurance simpler than you thought.
Watch this video to learn more
1. Find a policy that’s a fit.
Roughly 4 in 10 survey respondents reported feeling overwhelmed, anxious or some combination of both about planning for life insurance, with 12% citing thinking it’ll be too expensive as a reason they’ve delayed looking into, buying or updating life insurance.
The good news: There’s a policy that’s right for your current needs. It may be term life insurance, which provides protection for a specific period of time, like to cover a mortgage or tuition for children. There’s also permanent life insurance, which offers lifelong protection, as long as you pay the premiums.
2. Take advantage of digital tools
One-quarter of respondents said they’d be more likely to look into life insurance if they learned it was easier to get than they thought, and digital tools can help make that demand a reality.
It can take as little as two minutes to find out how much you need, for example, with the life insurance needs calculator from the nonprofit Life Happens. Just answer a few simple questions to estimate the amount of life insurance coverage you may need to take care of your family.
3. It’s about protection, not perfection.
Part of the anxiety around life insurance may be the perception that it should be perfect. For more than 1 in 5 survey participants, the plan is to seriously look at it when they feel more financially stable, and another 12% simply said they’ll do it when they’re older.
However, life insurance doesn’t have to check all the boxes for every stage of your life – you can find what works for your family right now then adjust as things change over time.
4. Professional help is available.
Perhaps the biggest hurdle to tackling life insurance is the feeling that you’re in it alone. Overall, 55% of respondents said if they learned life insurance may be easier to get than they expected, they’d be more likely to start the process.
With professional help only a few clicks away, you can rest assured you’re on the path to a life insurance fit that’s right for you by visiting findapro.lifehappens.org.
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