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The Annual Enrollment Period (AEP) is like a mountain trail: exciting but full of twists, turns, and hidden obstacles. Every year, Medicare plans may update premiums, provider networks, or prescription formularies. Failing to review these changes can lead to costly mistakes. That’s where your Medigap Sherpa comes in. Think of us as your guide: pointing […]
Each fall, millions of Medicare beneficiaries set out on what can feel like a steep climb: the Annual Enrollment Period (AEP). From October 15 to December 7, you can make changes to your Medicare Advantage or Part D prescription drug plan. Any changes you make take effect January 1. Important: AEP applies only to Medicare […]
You open the mail (or your email) and find a notice labeled SAR — Service Area Reduction. Your plan says it’s leaving your county or ZIP. Your chest tightens. What now? Think of us as your Sherpa: we’re here to point out the path, steady the rope, and help you reach the next basecamp with […]
Each year, Medicare Advantage (MA) and Part D prescription drug plans may change where they operate. When a plan decides to exit a county or ZIP code, it’s called a Service Area Reduction (SAR). If your plan is affected, you’ll receive a notice directly from your insurer. At first glance, this letter may feel overwhelming—but […]
Medicare Annual Enrollment Period (AEP) 2025: Dates, What You Can Change, and How to Pick a Plan for 2026 AEP is the once-a-year window when people with Medicare can change their Medicare Advantage or Part D drug coverage for the next calendar year. For coverage that begins January 1, 2026, AEP runs October 15–December 7, […]
