Medicare Open Enrollment runs from October 15 to December 7, 2025, giving Kansas City seniors a crucial window to review and adjust their healthcare coverage. This annual period allows you to make changes to your Medicare Advantage and Part D prescription drug plans that will take effect January 1, 2026.

Several important updates affect Medicare beneficiaries this year. The standard Part B deductible has increased, and many prescription drug plans have adjusted their formularies. Kansas City residents should carefully review these changes to ensure their current coverage still meets their healthcare needs.

Medicare Part D plans have also implemented new cost-sharing structures. Starting in 2025, there's a $2,000 annual out-of-pocket cap on prescription drugs, which represents significant savings for many seniors who take multiple medications.

Before making any changes, review your current plan's performance. Check if your doctors and preferred hospitals are still in-network, and verify that your medications remain covered under your current formulary. Many Kansas City area providers have updated their Medicare network participation, making this review especially important.

Consider your healthcare usage from the past year. If you required more specialist visits or had unexpected medical expenses, you might benefit from switching to a plan with different coverage priorities. Our Medicare planning services can help you analyze these factors comprehensively.

Kansas City seniors have access to numerous Medicare Advantage and supplement plans. Each offers different benefits, from dental and vision coverage to wellness programs and telehealth services. Premium costs vary significantly across plans, but remember that the lowest premium doesn't always provide the best value.

When comparing plans, examine the total cost of ownership, including premiums, deductibles, copayments, and coinsurance. Factor in your specific healthcare needs and preferred providers to make an informed decision.

You can make changes through Medicare.gov, by phone, or with help from a licensed insurance professional. If you're satisfied with your current coverage and nothing has changed, you don't need to take any action – your coverage will automatically continue.

However, even if you're happy with your current plan, it's worth reviewing alternatives. Insurance companies frequently adjust their offerings, and a plan that better suits your needs might now be available.

Medicare decisions can feel overwhelming, but you don't have to navigate them alone. Working with an experienced insurance professional can help you understand your options and make confident choices about your healthcare coverage.

Our team specializes in helping Kansas City area seniors understand their Medicare options. We provide personalized consultations to review your specific situation and identify coverage that aligns with your healthcare needs and budget. Contact Stephen Dennis Insurance LLC at (816) 863-8699 to schedule your Medicare review consultation.

Don't wait until the last minute to review your options. Legacy planning includes ensuring your healthcare coverage supports your long-term goals. Take advantage of this Open Enrollment period to secure the Medicare coverage that will serve you best throughout 2026.