Making Medicare Easy.
This is also your go-to resource for everything you need to review your Medicare coverage during the Annual Enrollment Period (AEP).
Due to new Medicare regulations, agencies like ours can no longer directly compare or enroll you in Part D drug plans. Learn how to review your drug coverage for 2026 here!
Starting in 2026, the way you shop for Medicare prescription drug plans is changing — and we know it may feel like a big shift. Medicare has made changes to the Part D Drug program over the last few years that has lead most insurance companies to no longer allow agencies like Medicare Hero to compare or enroll clients in stand-alone Part D drug plans. This isn’t something we choose; it’s a shift happening industry-wide.
Currently, the only way to accurately compare all drug plans in your area is by using the official Medicare.gov Plan Finder, which requires logging into your personal account. This means we can no longer complete drug plan comparisons or enrollments for you — but we’re still here to guide you every step of the way.
Due to recent Medicare changes, we are no longer able to help you compare or enroll in Part D drug plans. But don’t worry—we’ll show you exactly how to use the Medicare.gov Plan Finder and we’ll be here to answer your questions every step of the way.
👉 Click the yellow button to learn how to use the Medicare.gov Plan Finder to review your drug coverage this year.
It’s important to know that this change only applies to stand-alone Part D drug plans. Everything else stays exactly the same. We’re still your full-service Medicare team for:
✅ Medicare Supplement Plans – Complete review, comparison, and enrollment
✅ Medicare Advantage Plans – Full service including drug coverage
✅ Dental and Vision Plans – All the help you’re used to
✅ Annual Supplement Reviews – Checking for savings opportunities
Important: Your Medicare Supplement benefits don’t change year to year like drug plans do. The best time to review your Supplement plan is after your birthday when rates may adjust.
We understand this change may feel overwhelming. Many of our clients have been with us for years and are used to us handling these reviews for them. Please know—we are still your trusted partner in Medicare.
We’ll make it as simple as possible for you to adjust to this new process, and we’ll be right here to answer your questions and support you every step of the way.
If you have reviewed your coverage and are happy with your current plan, you don’t need to do anything! Your coverage will automatically renew unless your insurance company lets you know otherwise.
If you have a Medicare Supplement plan and are happy with your current plan then you do not have to do anything during the Annual Enrollment Period. Your coverage will simply continue until you would like to make a change in the future.
Your Medicare Supplement coverage does not change benefits from year to year, unlike your Part D drug plan does. The most helpful time of year to review your Medicare Supplement coverage is actually right after your birthday as this is when you are most likely to see a change in your plan premiums.
Additionally, you can change your Medicare Supplement plan any time of the year. However, it’s important to note that you will have to answer health questions in order to be accepted. You might be wondering what type of questions they’ll ask you, that is a great question! While every insurance company is different and have their own list of questions, here are some examples that we pulled from various carriers to give you an idea of the type of questions they might ask you:
As mentioned above, these are just some examples of the questions that they might ask you, but they do vary from carrier to carrier. So in summary, if you have a Medicare Supplement plan and have not noticed any rate increases, you do not have to worry or do anything during the Annual Enrollment Period.
Want to review your Medicare Supplement plan? Click the button below to request a coverage review, and one of our agents will shop the market to make sure you are still getting the best deal!
The Annual Enrollment Period exists because Medicare Part D drug plans can change their benefits each calendar year. Because the benefits of your current drug plan can change, Medicare gives you an election period each year so you can switch to a new drug plan if you don’t like the changes to your existing coverage.
Simply put, Your drug plan benefits change every year, so you get an election period to switch your drug plan if you don’t like those benefit changes.
Each year in September you will get a Annual Notice Of Change letter from your current drug plan letting you know about the upcoming changes to their coverage for the coming year. The good news is that if you are happy with your drug coverage after reviewing these changes then you do not have to do anything at all. Your current drug plan will automatically renew for next year unless you choose to make a change. This means you do not have to reapply if you wish to keep your same coverage for next year. In fact, studies show that the majority of people do NOT make changes to their drug plan each year.
Because the Part D drug plans change annually, many people wonder if their Medicare Supplement benefits will also change during the annual enrollment period as well? The answer is NO.
This is one of the most common questions we get each year so let’s say that one more time. Your Medicare Supplement benefits will not change year to year like your Part D drug plan does.
With that said, Medicare supplement plans DO have rate increases each year, but these rate increases are typically based on your age and occur after your birthday each year. For example, if your birthday is on June 1st, then your premium is most likely to change after June 1st each year when you are one year older. Most people find the most helpful time of year to review your Medicare Supplement coverage is right after your birthday since this is when you are most likely to see a change in your plan premiums.
It’s always a good idea to review your Part D Drug coverage during the Annual Enrollment Period so you are aware of any changes being made to your current plan. Around the first week of October, you should receive an Annual Notice of Change (ANOC) letter from your current Part D Drug plan insurance company. Take 15 minutes to sit down and review this letter as it will give you a side-by-side comparison of your drug plan changes from 2025 to 2026. This makes it easy to see the changes to your coverage for next year.
Just like your other coverage Medicare coverage, it is important to remember that your drug coverage is set to renew each year automatically. So if you are happy with your current drug plan then you do not need to do anything at all.
Your prescription drugs are covered at a reasonable price
Your premium has not increased significantly
Your preferred pharmacy is still in network
You are happy with your current plan
Your premium or copays have increased significantly
One or more of your drugs is not covered
Your preferred pharmacy is out of network
You are unhappy with your current plan
It doesn’t matter if this is your first time, or fifth time going through the Annual Enrollment Period, Medicare can be confusing. That’s why we are here to help!
If you would like your agent to review your Medicare Supplement coverage options for next year, then you can start by clicking the “Request A Coverage Review” button below.
Ready to review your prescription drug plan options? Click the yellow button below to view our step by step guide on how to use the Medicare.gov plan finder tool to review your drug coverage options.
If you have any questions or want to make a change in your coverage, then feel free to give us a call at 1-(888)-321-6361 and we will be happy to help you.
