Plan letters are due today, and the workshop's calendar slide answers the next question: which Medicare window is yours, what you can change between October 15 and December 7, what happens if you do nothing, and the one change you can apply for any month of the year.
Copay, deductible, network, and maximum out-of-pocket. The workshop defines these four before anything else, and each one is hiding in the plan letter on your counter. What each means in Medicare's own words, the 2027 numbers, and the one that surprises people most.
Take-Home Notes, part one: the workshop's opening section, in print. Medicare starts with one foundation, there are five ways to build on it, and most people end up on one of two paths. Plus why your mailbox is full: hundreds of companies sell the exact same Supplement plans.
Eighteen tricky Medicare situations on one page, sorted by what is going on in your life: still working, served, a letter in the mail, a clock running, a surprise bill, two addresses, AI, and the phone. Find yours, then send the right one to someone who needs it.
Your plan's Annual Notice of Change arrives by September 30, and an AI assistant is good at reading it with you. Here are five prompts to type in order, the privacy rule that comes first, and the three places no assistant can judge.
Open Enrollment runs October 15 to December 7, and the calls come with it. Medicare says it will never call to sell you anything, and federal rules bar cold calls from plans and agents. Who is really allowed to call, what the common scams sound like, and the two sentences I say before I hang up.