The Season of Choices

October isn’t just about pumpkins and Halloween, it’s also the time of year when millions of Americans review their Medicare coverage. Medicare Open Enrollment 2026 runs from October 15 through December 7, giving you the chance to review your current plan and make changes for the upcoming year.

At Loman-Ray Insurance Group, we know this process can feel a little scary, but with the right guidance, it doesn’t have to be. Here’s your complete, fright-free guide to navigating Medicare Open Enrollment.

What Is Medicare Open Enrollment?

Medicare Open Enrollment, also called the Annual Election Period (AEP), is the yearly window when Medicare beneficiaries can:

• Switch from Original Medicare to a Medicare Advantage Plan.

• Switch from a Medicare Advantage Plan back to Original Medicare.

• Enroll in, drop, or change a Medicare Part D prescription drug plan.

• Review and update coverage to ensure it still meets your needs.

Think of it as a chance to “redecorate your haunted house”, you don’t need to change plans if you’re happy, but this is the only time of year when you can make adjustments without penalty.

Why Reviewing Your Coverage Matters

It’s tempting to stick with the same plan year after year, but health needs and plan benefits can change. Here are some “spooky surprises” you’ll want to avoid:

• Premium increases – Your plan may cost more in 2026.

• Network changes – Doctors or hospitals may no longer be covered.

• Prescription drug changes – Medications can shift tiers, raising your costs.

• Coverage gaps – You may discover areas where a Medicare Supplement or Advantage plan would provide stronger protection.

By reviewing now, you’ll avoid being haunted by unexpected bills later.

Medicare Advantage vs. Medicare Supplements

One of the most important decisions you may face is choosing between Medicare Advantage (Part C) and a Medicare Supplement (Medigap).

Medicare Advantage Plans:

• All-in-one coverage (hospital, medical, sometimes prescription drugs).

• Often include extras like dental, vision, hearing, or gym memberships.

• Usually lower monthly premiums but may have higher out-of-pocket costs.

Medicare Supplements (Medigap):

• Fill in the “gaps” of Original Medicare (deductibles, coinsurance, copays).

• Broader flexibility in choosing doctors/hospitals nationwide.

• Higher monthly premiums but predictable costs and fewer surprises.

Not sure which is right for you? A Loman-Ray agent can help compare side-by-side options.

Key Dates for Medicare Open Enrollment 2026

• October 1 – New plan details become available for review.

• October 15 – December 7 – Medicare Open Enrollment period.

• January 1, 2026 – Any changes take effect.

Missing the deadline can trap you in your current plan for another year, and that’s scarier than any haunted house!

Tips for a Fright-Free Enrollment

1. Make a list of your doctors and medications – ensure they’re covered in your plan’s network and formulary.

2. Review your Annual Notice of Change (ANOC) – this letter shows changes to your current plan for 2026.

3. Compare plans carefully – don’t just look at premiums; consider deductibles, copays, and coverage extras.

4. Work with a trusted local agent – Medicare options can feel like a maze. Having an expert guide makes all the difference.

How Loman-Ray Can Help

At Loman-Ray Insurance Group, we specialize in helping individuals across Central Illinois navigate Medicare Open Enrollment. Whether you’re considering a Medicare Advantage Plan, a Medicare Supplement, or simply reviewing your current coverage, our agents will:

• Provide a clear, personalized comparison of your options.

• Answer questions in plain language, no scary fine print.

• Ensure your coverage fits your health needs and your budget.

Don’t get spooked this October, let Loman-Ray Insurance Group help you find the right Medicare plan today.

Contact your local Loman-Ray office to schedule a Medicare review before December 7.