Big changes are coming to every Medicare plan for 2026

 We want you to be prepared!


You’re receiving this because you're currently on the Anthem Medicare Advantage HMO POS plan, and as you've likely already seen or will soon — the Annual Notice of Change (ANOC) letters are hitting mailboxes.

These letters show how your current plan is changing from 2025 to 2026. But keep in mind: they only show what’s changing — not all the copays, drug costs, or benefits that stay the same. And they definitely don’t show you what other companies are offering. That’s where we come in.

Why All Medicare Plans Are Changing

These changes were set in motion by legislation passed under the previous administration. It’s not about politics — it’s just the reality of how Politics has affected your Medicare.


As part of the Inflation Reduction Act, out-of-pocket prescription drug costs for Medicare beneficiaries were capped at $2,000 this year, with a slight increase to $2,100 next year.

But here’s the real impact:
 Insurance companies are now responsible for covering up to $6,000 per person in drug costs — and to avoid major financial losses, they’ve had to restructure every Medicare Advantage. 

As a result, we’re seeing:

  • Higher prescription prices
  • Reduced “extra” benefits (dental, vision, OTC cards, etc.)
  • Higher copays
  • Rising Medicare Supplement premiums

This isn’t unique to Anthem — every Medicare insurance company is going through this. The benefits boom we’ve seen in recent years simply wasn’t sustainable.

No Frills, Just Pay the Bills

We’re returning to what healthcare was always meant to be — real medical coverage without distractions.
Let’s be honest: groceries, Fitbits, and free giveaways were never meant to be part of healthcare.
It got out of control — and now the pendulum is swinging back.

And that’s okay. Medicare was designed to protect your health, not to hand out gadgets and grocery cards.

We’re Not Trying to Sell You Something —

We’re Here to Guide You

You might be wondering:
 “Should I come off of Anthem?”

Maybe. Maybe not.
The truth is — you can absolutely stay on Anthem.

It’s still a great healthcare plan.
Anthem has:

  • The largest provider network in our area
  • Every major hospital in-network
  • Virtually every doctor and specialist you may need

So if staying on Anthem makes the most sense for you — great. You'll get new cards at the end of the year, nothing to do...

But here’s the shift:

In 2026, Anthem — like every other company — is going back to being a healthcare plan, not a benefit buffet.

Some of you may want to switch plans this year — and that’s okay too.
We’re here to help either way.

We’re Already Your Agent — and That Means Something

We also want to make something clear:


We don’t make more money if you change plans.

We’re already your Medicare agent of record, and the government pays us the same amount whether you stay on Anthem or move to another company.

That’s why we built this business — to do Medicare the right way:

  • No pressure
  • No sales gimmicks
  • No chasing commissions
  • Just honest advice, year after year

That’s also why we always warn people about telemarketers and national call centers —
They only get paid if they flip your plan.
But we’re different:
We’re local. We’re face-to-face. And we’ve got your back.

Just a heads-up: If you decide to change your plan through someone else — whether it’s a call center or another agent — we will no longer be your Medicare agent of record and unfortunately won’t be able to help you moving forward.


We’ve Got Your Back

We know this can be overwhelming.
That’s why we’re working ahead of schedule this year — because we expect this to be the busiest Medicare season we’ve ever had.

We’ve brought in extra team members to help handle the volume, and we’re doing everything we can to prepare for what’s coming.

So please:
✅ Be patient with us — we’re working hard for you
✅ Watch the videos below — they explain what’s going on and what we recommend
✅ Ignore all the noise — the commercials, the ads, the confusion
 You’ve got us. We’ve got your back.

Here’s What to Do Next

📺 Step 1 –  Watch the Short Videos Below

We’ve recorded custom 2026 plan recommendation videos just for Anthem HMO POS members.
They explain whether we think you should stay on your current plan or consider a change — and why.




***  Do not fill the form out - Only If You’re Coming Off Anthem ***

📝 Step 2 –  Fill Out the Form

If you plan to stay on your current Anthem plan, you do not need to fill out the form.
If you’re thinking about changing plans, we need your updated:

  • Doctor list
  • Prescription medications
  • Medicare ID number (red, white, and blue card)

This helps us give you the right recommendation if you’re moving to another plan.


📅 Step 3 –  Schedule an Appointment  (Only If You Want to Change Plans)

Appointments are optional — you only need one if you’re planning to come off Anthem or want to explore other plans.
We expect appointment demand to be very high, so please do not schedule an appointment unless you need to change plans.

We’ll still be reviewing all the 2026 Medicare plans as they are released in October, and we’ll be in touch if something truly requires your attention.

📺 Step 1 – Watch the Short Videos Below


“What Is the Annual Notice of Change Letter?”

(or booklet)

  • What the Annual Notice of Change (ANOC) is and why it matters


  • What it tells you — and what it doesn't


  • Why you shouldn’t try to interpret it alone


  • Why these videos will help you understand the full picture

“Why Every Medicare Plan Is Changing in 2026”

  • How the Inflation Reduction Act changed Medicare


  • $2,000 drug cap rising to $2,100 next year


  • Insurance companies are now absorbing up to $6,000 in drug costs per person


  • These changes apply to every Medicare company — not just Anthem


  • This isn’t political — it’s just the reality we all need to plan for

“No Frills, Just Pay the Bills”

  • Medicare plans are being stripped back to focus on core medical coverage


  • Grocery cards, Fitbits, and giveaways are going away


  • That’s okay — this is how healthcare was originally designed


  • Our job is to help you focus on what truly matters

Part 1

Part 2

“Should You Stay on Anthem?”

  • Anthem still has the largest provider network in the area
  • Every major hospital and almost every doctor is in-network
  • It’s still a great healthcare plan — just fewer frills
  • Some people may want to switch, and that’s okay too
  • Our job is to help you decide what’s best for you


“We’re Already Your Agent — Here’s What That Means”

  • We don’t get paid more if you change plans
  • We’re already your Medicare agent of record — and that means something
  • We act like fiduciaries: no pressure, no gimmicks, just the right advice
  • Be careful with telemarketers — they only get paid if they switch your plan
  • If you change plans through someone else, we can no longer help you

WHOOPS, One more video below to find out what you should do next...

Ignore the Noise —

We’ve Got Your Back

  • You’ll be bombarded with ads, calls, and offers
  • Most of it is noise — stick with your local Medicare team
  • We’ve helped thousands of people right here in our community
  • You don’t need to figure this out aloneThat’s what we mean by Medicare done the right way

“What You Should Do Next”

  • Watch all the videos before making any decisions


  • Only fill out the form if you’re considering coming off Anthem


  • Only schedule an appointment if you want to review another plan


  • This will be the busiest Medicare season ever — we’ve brought in extra help



  • Please be patient — and know we’re working hard for you

After watching the videos above, click the Red Button next to the Medicare Advisor who originally helped you!


Then, please fill out the survey with your

 Doctors, Medications, and Medicare ID!

You may then book an appointment after the survey if you would like to switch plans!


This will allow us to help all of YOU during the busiest Enrollment Period yet!