Among Friends

[Mom2Dogs]

@Carmie ...My husband was a state employee for a while so his insurance comes thru the state....he has AFiB and takes eliquis so every year he is told he cannot switch his Supplement, which is probably true as I have seen you reference that in the past...well every year that this topic comes up.

I appreciate you answering our questions, year after year, after year!!

[Cakers3]

@Carmie

Annual Notice of Change (ANOC) for Advantage Plans and Part D plans (if stand alone) are sent out by Sept. 30. This gives time to review before open enrollment starts. The current year and the next year are compared side by side.

I don't know where you are looking but our ANOC came in the mail on September 30.

Online our plan for 2026 is also available with costs.

For those new to Medicare plans an agent is probably better. We went that route for our first enrollments.

[Cakers3]

Also the ANOC is for the specific plan one has now

If looking for a new plan or a new company an agent can be helpful.

[kitcat51]

I already received a booklet from my insurer showing what cost changes & coverage changes are coming to the Medicare Advantage I have & it's new name. Ugh.

[Carmie]

@Cakers3   I received nothing from Medicare at all.  My husband received a Medicare and You booklet.

My past employer with whom had a Medicare Advantage Plan ( I worked fora major health insurance company) sent me a letter about two months ago saying they were no longer offering coverage for retirees.  So, I am left to find something on my own for myself as well as my husband.

I spent this morning looking at plans. It was very time consuming and the plans are expensive.  The RX plans in my area are awful.

I don't use any RX drugs, so I am just gonna get the cheapest plan possible to"hold my place" so I don't get penalized.

My husband takes Eliquis and it's going to be a big adjustment payment wise for us. All the  drug plans have high deductibles with small reimbursements.

I have to wait for a creditable coverage letter before I can get an RX plan and I know which supplement I want...prices are high at our age.

I guess I am not a happy camper, but it is what it is. I am fortunate that I understand the benefits and rules.  Many people are in worse shape.

[Mom2Dogs]

@Carmie   I see you mentioned your husband is on Eliquis..as is my husband...a poster told me about purchasing drugs from Canada...holy smokes, what a price difference!  We pay for it out of pocket and it is well worth it.  If you are interested in knowing the pharmacy, just ask, and there was no push back from his doctor.

[Cakers3]

The 2026 Medicare and You book arrived in my name. DH did not receive one.
Last year it arrived in his name and I did not receive one.🤔

Several times we both received our own.🤔

It's fine. Less paper, less waste.

I agree RX plans can be very expensive and the penalty is ridiculous. As far as I am concerned it should be an individual choice but I digress.



I hope you can find an inexpensive plan.