10/08/2026
🏥 TURNING 65, ALREADY OVER 65, OR WANT TO CHANGE YOUR MEDICARE PLAN?
Understanding your Medicare options can help you choose coverage that fits your healthcare needs and budget.
✅ Turning 65? Your Initial Enrollment Period generally lasts seven months: three months before your 65th birthday month, your birthday month, and three months afterward. If you have coverage through current employment, check how it works with Medicare before delaying enrollment. Missing your enrollment window may lead to coverage gaps or penalties.
✅ Already have Medicare and want to change plans? Medicare Open Enrollment runs October 15–December 7, 2026, with changes taking effect January 1, 2027. During this period, you can switch Medicare Advantage plans, change prescription drug plans, or move between Original Medicare and Medicare Advantage.
✅ Review before you renew! ChWriting
🏥 TURNING 65, ALREADY OVER 65, OR WANT TO CHANGE YOUR MEDICARE PLAN?
Understanding your Medicare options can help you choose coverage that fits your healthcare needs and budget.
✅ Turning 65? Your Initial Enrollment Period generally lasts seven months: three months before your 65th birthday month, your birthday month, and three months afterward. If you have coverage through current employment, check how it works with Medicare before delaying enrollment. Missing your enrollment window may lead to coverage gaps or penalties.
✅ Already have Medicare and want to change plans? Medicare Open Enrollment runs October 15–December 7, 2026, with changes taking effect January 1, 2027. During this period, you can switch Medicare Advantage plans, change prescription drug plans, or move between Original Medicare and Medicare Advantage.
✅ Review before you renew! Check your plan’s notice of changes and compare:
• Whether your doctors and hospitals participate
• Coverage and costs for your prescriptions
• Premiums, deductibles, copayments, and other expenses
• Available benefits and coverage rules
Already enrolled in Medicare Advantage? January 1–March 31 provides another opportunity to switch to a different Medicare Advantage plan or return to Original Medicare and join a separate drug plan. Certain qualifying circumstances may also allow changes at other times.
Your health needs can change—and your coverage deserves a review.
I’m Mary Osabor, your insurance and Medicare agent. Send me a private message to discuss your options and enrollment timing.
The official U.S. government website for Medicare, a health insurance program for people age 65 or older and younger people with disabilities.
