Medicare Changes for 2026: What You Need to Know Before AEP

Navigating Medicare can feel like trying to read a map in a foreign language. Especially when you’re over 60 or retired, the stakes are higher, and the options can feel endless. The good news—you don’t have to figure it out alone. At Bredimus Insurance, we’ve spent years helping people just like you understand their choices, and this year it’s more important than ever with big changes on the horizon for 2026.

Why Medicare Planning Matters More in 2026

Health insurance isn’t just a nice-to-have in retirement—it’s a must. Medical bills can pile up quickly, and without the right coverage, you’re left paying the price. That’s why planning ahead for the 2026 Medicare changes is critical.

In 2025, Medicare eliminated the Part D coverage gap (“donut hole”) and introduced a $2,000 annual cap on out-of-pocket prescription drug costs. This was good news for many, but in 2026, there will be plan adjustments that could impact your wallet and benefits:

• Higher Part D annual cap: The annual cap on out-of pocket prescription drug costs will increase from $2,000 in 2025 to $2,100 in 2026.

• Higher Part D deductible: The maximum deductible will increase from $590 in 2025 to $615 in 2026.

• Higher copays and coinsurance: Many plans will shift more costs to members.

• Reduced supplemental benefits: Some Medicare Advantage plans are expected to scale back extras like dental, vision, hearing, and fitness programs.

• Loss of food and grocery card benefits for low-income members: Many plans will no longer include these popular benefits.

  
  

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Finding the right health insurance starts with understanding your options.

How Bredimus Insurance Simplifies Your Search for Health Insurance Services Salem

I know what you’re thinking: “Insurance agents all say they’re the best.” But here’s why Bredimus Insurance stands out. They specialize in helping folks just like you - retirees and those over 60 - find the best Medicare and health insurance plans without the headache.

They don’t just throw a bunch of plans at you and hope one sticks. Instead, they take the time to understand your unique situation. They’ll ask about your health, your budget, and what matters most to you. Then, they’ll walk you through your options in plain English.

Here’s what makes their approach different:

1. Personalized consultations: No cookie-cutter solutions here.

2. Expert knowledge of Medicare and retirement health plans: They know the ins and outs.

3. Ongoing support: They don’t disappear after you sign up.

4. Transparent pricing and no hidden fees: What you see is what you get.

   
   

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Personalized advice makes all the difference when choosing a plan.

What This Means for You During AEP

The Annual Enrollment Period (AEP), October 15 – December 7, 2025, is your chance to review your coverage and prepare for these changes before they take effect in January 2026. Even if you’re happy with your plan now, it’s important to check:

• Drug coverage: Are your medications still covered and affordable under the 2026 formulary?

• Costs: How will deductibles, copays, and out-of-pocket maximums affect your budget?

• Benefits: Will you lose access to dental, vision, or food benefits you’re using now?

• Network: Will your preferred doctors and hospitals still be included?

  
  

Healthcare professional explaining insurance options

How Bredimus Insurance Helps

At Bredimus Insurance, we don’t just hand you a list of plans and leave you to figure it out. We walk you through your options in plain language, making sure you understand the changes coming in 2026 and how they affect your personal situation.

Here’s how we simplify the process:

• Personalized consultations tailored to your health, budget, and lifestyle.

• Expert knowledge of Medicare Advantage, supplements, and drug plans.

• Ongoing support year-round, not just during enrollment.

• Transparent guidance with no hidden fees.

Tips for Choosing the Right Plan in 2026

Choosing a Medicare plan doesn’t have to feel like a gamble. Here are some steps to take during AEP:

1. List your prescriptions, doctors, and upcoming health needs.

2. Compare total costs, not just premiums. Look at deductibles, copays, and out-of-pocket maximums.

3. Check the provider network. Make sure your doctors and preferred hospitals are included.

4. Review supplemental benefits. If dental, vision, or hearing are important to you, make sure your plan still includes them.

5. Ask about extra help. Programs like Extra Help and Medicare Savings Programs may offset costs if you qualify.

6. Use a trusted agent. Having someone who knows the system can save you time, stress, and money.

Why Trust Bredimus Insurance

Bredimus Insurance has built a reputation for helping retirees and Medicare beneficiaries cut through the confusion and find the best plan for their needs. With major Medicare changes coming in 2026, having the right partner matters more than ever.

We know this isn’t just about policies—it’s about your health, your finances, and your peace of mind. When you work with us, you’ll know you’re covered well.

Ready to prepare for the 2026 Medicare changes? Contact Bredimus Insurance today and let us help you navigate AEP with confidence.

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