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Paul Carswell - Medicare Insurance Agent Licensed in MI,OH,PA,VA,DC,MD,NC,SC,GA,FL,AL,TN,OK, TX, DE - Educating the community about Original Medicare.

During the Annual Enrollment Period (AEP), you can review your Medicare Advantage and/or Medicare Part D coverage and ma...
10/09/2026

During the Annual Enrollment Period (AEP), you can review your Medicare Advantage and/or Medicare Part D coverage and make changes that generally take effect January 1, 2027.

🔎 Why should you review your plan?

Medicare plans can change from year to year. Your premium, deductible, copays, prescription coverage, participating pharmacies, provider network, and benefits may be different for 2027.

A plan that worked well for you this year may still be the right choice—but it’s worth checking.

✅ Before making a decision:

• Review your Annual Notice of Change (ANOC)
• Check that your medications are still covered
• Confirm your preferred pharmacy is in-network
• Make sure your doctors and healthcare providers remain in-network, if applicable
• Compare premiums and out-of-pocket costs
• Consider whether the plan still fits your healthcare needs and budget

💡 And remember: Reviewing your options does not mean you have to change plans. If your current coverage continues to meet your needs, staying with your existing plan may be the right choice.

📌 Important: Medicare plan availability, costs, benefits, provider networks, and prescription coverage vary by plan and location. This information is for educational purposes and is not a recommendation to enroll in or change any specific Medicare plan.

If you have questions about your Medicare options, we’re happy to help you understand your choices so you can make an informed decision.

📅 6 Things You Can Do During Medicare Annual Enrollment Period (AEP)If you’re already enrolled in Medicare, the Annual E...
10/08/2026

📅 6 Things You Can Do During Medicare Annual Enrollment Period (AEP)

If you’re already enrolled in Medicare, the Annual Enrollment Period (AEP) runs from October 15 through December 7 each year. It’s an opportunity to review your coverage and make changes for the following year.

Here are 6 things you may be able to do during AEP, depending on your current coverage:

1️⃣ Switch Medicare Advantage Plans
You can switch from your current Medicare Advantage plan to another Medicare Advantage plan available in your area.

2️⃣ Switch from Medicare Advantage to Original Medicare
You can return to Original Medicare and, if you choose, add a separate Part D prescription drug plan.

3️⃣ Switch from Original Medicare to Medicare Advantage
If you meet the eligibility requirements, you can choose a Medicare Advantage plan as an alternative way to receive your Medicare Part A and Part B benefits.

4️⃣ Join a Medicare Part D Prescription Drug Plan 💊
If you're in Original Medicare, you can join a Medicare prescription drug plan during AEP.

5️⃣ Change Your Part D Plan 🔄
If you already have Medicare prescription drug coverage, you can switch to another Part D plan that better fits your medications and pharmacy needs.

6️⃣ Drop Your Medicare Drug Plan
You can choose to drop your Medicare prescription drug coverage during AEP. However, going without creditable drug coverage may result in a future Part D late enrollment penalty, so it's important to understand the potential consequences before making this decision.

🔎 Before you make a change, review your options carefully.

Medicare plans can change their premiums, benefits, drug coverage, provider networks, and pharmacy networks from year to year. Review your Annual Notice of Change (ANOC) and compare your available options on Medicare.gov.

💡 And remember: You don't have to change your plan just because AEP is here. If your current coverage is still available and continues to meet your needs, you can generally keep it and your coverage will continue automatically.

📌 Important: Medicare enrollment options depend on your individual circumstances, current coverage, eligibility, and where you live. This post is for general educational purposes and is not a recommendation to enroll in or change any specific Medicare plan.

📅 Medicare Annual Enrollment Period (AEP) is Almost Here!Medicare’s Annual Enrollment Period runs October 15 through Dec...
10/07/2026

📅 Medicare Annual Enrollment Period (AEP) is Almost Here!

Medicare’s Annual Enrollment Period runs October 15 through December 7 each year. This is an important time to review your Medicare health and prescription drug coverage for the upcoming year.

Medicare plans can change from year to year, including premiums, benefits, prescription coverage, provider networks, and pharmacy networks. That’s why it’s important to review your plan’s Annual Notice of Change (ANOC) and make sure your current coverage still meets your needs.

🔎 A good AEP checklist:
• Review your Annual Notice of Change
• Check your medications and prescription coverage
• Confirm your doctors and preferred pharmacies are still in-network
• Review premiums, deductibles, copays, and other costs
• Make sure the plan still fits your healthcare needs and budget

If you have questions about your Medicare coverage, we're happy to help you understand your options and make an informed decision.

Medicare LEPs ExplainedA Medicare Late Enrollment Penalty (LEP) can significantly increase your costs if you miss your i...
09/29/2026

Medicare LEPs Explained

A Medicare Late Enrollment Penalty (LEP) can significantly increase your costs if you miss your initial enrollment period for Medicare Parts A, B, or D. In this blog, we explain how these penalties are calculated and how they can impact your monthly premiums for life. Read on to learn how to avoid these penalties and ensure a smooth enrollment process.

Read more by clicking the link in the comment section.

Moving to Another State? Here’s What to Do with Your MedicareWhat happens to your Medicare benefits if you relocate? 📦Do...
09/23/2026

Moving to Another State? Here’s What to Do with Your Medicare

What happens to your Medicare benefits if you relocate? 📦

Don’t let your Medicare coverage lapse! It’s important to update your information and review your options to avoid any gaps in care.

✔️ ️ If you have Original Medicare (Parts A and B): Simply update your address with the Social Security Administration—your coverage travels with you.

✔️ If you have a Medicare Advantage (Part C) or a Prescription Drug Plan (Part D): You may need to switch to a new plan that covers your new service area.

Medicare Tip of the Week!💡Retiring after age 65? Don’t forget about your Medicare Part D enrollment window. You generall...
09/21/2026

Medicare Tip of the Week!💡

Retiring after age 65? Don’t forget about your Medicare Part D enrollment window.

You generally have 60 days from the end of your employer health coverage to enroll in a Part D plan. Missing this window could affect your prescription drug coverage.

Planning to retire soon? Make sure you understand your Medicare enrollment deadlines and have a plan in place.

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