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.



If you have any questions about anything, of course reach out to our office.

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Thanks for being part of the team!

Your Medicare Planning Advisors,

Chris, Jim, Jody, and Tanner

Medicare Planning of  Dayton 

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