Starting a new year with a new Medicare plan can feel a little overwhelming. The good news? By taking a little time now, you can be confident and ready to use your benefits starting January 1, 2026.
Here are a few key steps:
- Review your provider network.
Double-check that your primary care physician, specialists, and preferred hospitals are still in-network. Seeing an out-of-network provider could lead to unexpected bills. - Understand your prescription coverage.
Make sure you know which pharmacies are preferred in your plan. You may save money by using a specific pharmacy or switching to mail-order delivery. - Explore added benefits.
Many Medicare Advantage plans now offer extras like:
- Dental and vision coverage
- Hearing aid allowances
- Fitness memberships
- Transportation to medical appointments
Don’t let these perks go unused!
- Track your costs.
Get familiar with your plan’s copays, deductibles, and out-of-pocket maximums. Knowing these numbers ahead of time will help you budget for 2026. - Ask questions early.
If you’re confused by any of your plan documents, don’t wait until you’re at the pharmacy or doctor’s office. Call your local Medicare agent—Your Insurance Gal Agency—to get clarity now. (360) 771-1155 or contact us.
Bonus Tip: Keep your new insurance card with you starting January 1. Using an expired card could cause delays or billing issues.
