Medicare commercials make plan changes sound simple, but many people don’t realize they may be speaking to large call centers instead of trusted local advisors. Before making changes, it’s important to review your doctors, prescriptions, and coverage carefully, especially with new 2026 year-round enrollment options available for some people with chronic conditions like diabetes or heart disease. Your local Medicare advisor can help you avoid costly coverage mistakes and find plans that truly fit your needs.

A simple Medicare mistake can cost you for years. This free Medicare & Retirement Protection Checklist helps you understand what’s covered, avoid costly penalties, and take smart steps to protect your savings and your future.

Build a Family Life File in 60 Minutes Most families aren’t unprepared, they’re just busy. In 60 minutes, you can create a “Family Life File” that helps loved ones find the right people, paperwork, and next steps during a health event, scam attempt, or loss, instead of guessing under stress.

Love isn’t just shown in flowers and cards — it’s shown in planning ahead. After experiencing the financial and emotional strain of losing her mother without a plan in place, Brenda made it her mission to help families protect their health, savings, and peace of mind. Long-term care planning may be a difficult conversation, but it is one of the most meaningful ways to care for the people you love.

January is when Medicare Advantage members often receive their first Explanation of Benefits (EOB) and discover how their plan really works. Understanding your EOB can reveal higher costs, network issues, or coverage limitations early—giving you time to review your options and make changes, if needed, before the March 31 deadline.

If your new Medicare Advantage plan isn’t meeting your expectations—due to higher costs, prescription issues, or provider changes—you may still be able to make a change. Through March 31, eligible members can adjust their coverage during the Medicare Advantage Open Enrollment Period to better fit their needs for the year ahead.