Today is Thursday, December 4th, 2025. The Medicare Annual Enrollment Period (AEP), your yearly opportunity to make changes to your Medicare Advantage (Part C) or Prescription Drug Plan (Part D), is rapidly approaching its end.
The absolute deadline for all plan changes is December 7th. With less than 72 hours remaining, this is the final, critical window to ensure your coverage is optimized for the entire 2026 calendar year.
If you do nothing before the December 7th deadline, your current plan will automatically renew with all its updated 2026 premiums, formularies (drug lists), and provider networks. Even if you were satisfied this year, the 2026 version of your plan may include surprises that could impact your health and budget:
Your Doctor Left the Network: You could lose access to a trusted specialist or hospital network.
Higher Prescription Costs: Your essential medications might move to a higher cost-sharing tier or be dropped entirely.
Increased Out-of-Pocket Max: The maximum amount you are responsible for in co-pays and deductibles may have increased.
After December 7th, most beneficiaries will be locked into their 2026 coverage unless they qualify for a very specific Special Enrollment Period (SEP).
A brief final review can prevent months of frustration and higher costs. Our local, certified agents are standing by to help you check the following:
Doctor Verification: Confirm that all your key doctors and specialists are still listed in the plan’s 2026 network.
Drug List Check: Ensure your specific list of prescriptions is covered by your plan’s 2026 formulary at the lowest possible cost tier.
Cost Comparison: Compare the total estimated costs—including premiums, co-pays, and deductibles—against other options available in your local area.
Don’t let this final, critical opportunity pass you by. Contact us immediately to schedule your urgent, final plan review and submit any changes before the window slams shut on Sunday.