Why Did My Medicare Plan Change in January?

What Green Valley & Sahuarita Seniors Should Know in February

If you recently received new Medicare plan documents, new ID cards, or noticed changes in your premiums, doctor network, or prescription costs, you’re not alone.

Each year, Medicare Advantage plans, Medicare Supplement plans, and Part D prescription drug plans can change on January 1. Even if you didn’t switch plans during the Annual Enrollment Period, your current plan may have adjusted its benefits, provider networks, or drug formulary for the new year.

Here are some common changes seniors in Green Valley and Sahuarita are seeing right now:

1. Prescription Drug Costs Changed

Part D formularies are updated annually. Your medication may have moved to a different tier, which can affect your copay.

2. Doctor or Specialist Is No Longer In-Network

Medicare Advantage plans can update their provider networks each year.

3. Monthly Premium Adjustments

Some plans adjust premiums, deductibles, or maximum out-of-pocket limits at the start of the year.

4. Extra Benefits Were Modified

Dental, vision, hearing, or over-the-counter allowances sometimes change from year to year.

If something feels different about your Medicare coverage in 2026, it’s important to review your Annual Notice of Change (ANOC) and confirm how your current plan is structured for this year.

In some cases, you may qualify for a Special Enrollment Period depending on your situation.

If you live in Green Valley, Sahuarita, or Southern Arizona and have questions about your current Medicare plan, speaking with a licensed local Medicare broker can help you understand your options and ensure your coverage still fits your needs.