2026 Medicare Advantage Plans

In 2026, certain Medicare Advantage plans may provide vision, dental, and hearing benefits, continuing a trend from previous years. Some Medicare Advantage plans may provide some form of these benefits, but plan benefits may differ.

Individuals can enroll in a 2026 Medicare Advantage plan by using this website or by calling one of our licensed agents for assistance. Just call 1-833-641-4938 (TTY 711), Mon-Fri 8 am-9 pm EST.

The enrollment process typically begins when individuals turn 65, during the Initial Enrollment Period, which lasts for seven months.

The general enrollment period for Medicare Advantage plans typically occurs annually from October 15 to December 7.

Individuals can enroll in a Medicare Advantage plan during their Initial Enrollment Period, which starts three months before their 65th birthday and ends three months after.

Additionally, there is an Open Enrollment Period for Medicare Advantage from January 1 to March 31, allowing beneficiaries to make changes to their plans.

There are specific enrollment periods for 2026 Medicare Advantage plans, including the Initial Enrollment Period, Annual Enrollment Period, and Special Enrollment Periods based on certain qualifying events. The Initial Enrollment Period for Medicare lasts seven months, beginning three months before the individual turns 65 and concluding three months after.

The Annual Enrollment Period occurs from October 15 to December 7 each year, allowing beneficiaries to change their Medicare Advantage plans.

Special Enrollment Periods permit beneficiaries to enroll in or change their Medicare Advantage plans with advance notice outside regular enrollment times due to certain life events, such as moving or losing other coverage.

The Medicare Annual Enrollment Period (AEP) occurs annually from October 15 to December 7, allowing beneficiaries to modify their Medicare coverage.

During this period, individuals can switch plans, drop coverage, or add a Part D prescription drug plan without needing to evaluate their medical history. This flexibility helps beneficiaries adjust their coverage to better suit their needs for the upcoming year.

The Medicare Advantage Open Enrollment Period (OEP) runs from January 1 to March 31, but applies only to individuals already enrolled in a Medicare Advantage plan. During the OEP, beneficiaries can switch to another Medicare Advantage plan or revert to Original Medicare, but are limited to one plan change.

Special Enrollment Periods (SEPs) allow for changes to Medicare plans outside of the usual enrollment periods if specific qualifying events occur, such as moving or losing employer coverage.

The potential costs associated with Medicare Advantage plans may vary widely. Various factors that could determine cost are insurance companies, geographical location, medical conditions, and more.

Out-of-pocket maximums may be included as a financial protection feature in some Medicare Advantage plans.

Once the maximum out-of-pocket limit is reached, beneficiaries will not incur cost-sharing for Part A or Part B services for the rest of the year. This cap could help protect beneficiaries from excessive healthcare costs.

For plans that allow services from out-of-network providers, separate limits may be established for in-network and might combine in-network and out-of-network costs. The potential out-of-pocket costs that could contribute towards the maximum limit may include deductibles, coinsurance, and copayments for covered services from in-network providers.

However, costs that may be associated with Part D services might not count towards the out-of-pocket maximum in certain Medicare Advantage plans.

Medicare Advantage plans in 2026 will likely provide comprehensive coverage, which might include additional services such as dental, vision, and hearing benefits. This potential coverage could enhance the overall value of Medicare Advantage plans.

Eligibility for Medicare Advantage plans requires:

• Enrollment in Medicare Part A and Part B
• Living within the specific service area of the chosen plan
• Being a U.S. citizen or legally residing in the country

Enrollment requests must be submitted during designated election periods to qualify for a Medicare Advantage plan. There are multiple election periods for enrollment, including the Initial Enrollment Period and the Annual Coordinated Election Period.

Some Medicare Advantage plans could offer certain advantages over Original Medicare, which may include additional additional benefits and cost-saving opportunities.

Some Medicare Advantage plans might include extra benefits such as dental, vision, and hearing services, which are not typically covered by Original Medicare. These additional benefits could potentially enhance the overall value of Medicare Advantage plans, providing more comprehensive coverage for beneficiaries.

While certain Medicare Advantage may offer lower out-of-pocket costs, it may also involve more limited provider networks compared to Original Medicare. Some Medicare Advantage plans may also utilize cost management strategies such as prior authorization, which are less common in Original Medicare.

Additionally, some Medicare Advantage plans could tailor their offerings, possibly providing potential specialized supplemental benefits for certain groups, which Original Medicare does not offer. This potential flexibility likely allows Medicare Advantage plans to better meet the diverse needs of their enrollees.

The Medicare Advantage plans for 2026 will likely offer a comprehensive and flexible alternative to traditional Medicare, with potential additional benefits and cost-saving opportunities.

Some plans may exclude additional premiums beyond the standard Part B premium, likely making them an attractive financial option for many beneficiaries. Certain plans may also include supplemental benefits such as dental, vision, and hearing services, possibly enhancing the overall value of Medicare Advantage plans.

As you navigate the complexities of healthcare, understanding the different types of Medicare Advantage plans, their potential costs, and the enrollment process can help you make informed decisions that best suit your healthcare needs.

With the right plan, you can enjoy comprehensive coverage and potential additional benefits that could enhance your overall healthcare experience. Remember to compare plans carefully and consider your specific needs and circumstances to find the best Medicare Advantage plan for you.

The Initial Enrollment Period for Medicare Advantage plans is a seven-month window that begins three months before you turn 65 and ends three months after your birthday. This is a crucial time to ensure you secure your coverage.

Some Medicare Advantage plans may provide additional benefits, including dental, vision, and hearing services. The potential inclusion of these benefits and possible cost savings might make them an appealing option for many beneficiaries.

Special Needs Plans (SNPs) differ from other Medicare Advantage plans by focusing on individuals with specific health conditions, offering specialized care to better meet their unique needs.

You can switch Medicare Advantage plans outside of the Annual Enrollment Period during the Medicare Advantage Open Enrollment Period from January 1 to March 31 or through a Special Enrollment Period if you experience certain life events.