Why do Medicare benefits change each year?

If you’ve been on Medicare for more than a year, you’ve likely noticed that something always changes—whether it’s your plan premium, your drug coverage, or which doctors are in-network. Many people ask us: “Why doesn’t Medicare just stay the same?”

The truth is, while Original Medicare (Parts A and B) stays relatively stable, Part D drug plans and Medicare Advantage plans are offered by private insurers—and they’re allowed (and expected) to make changes annually. Here’s why those changes happen—and more importantly, what you can do to stay ahead of them.

Plans Adjustments Based on Federal Funding & Regulations

Each year, the Centers for Medicare & Medicaid Services (CMS) announces changes to payment structures, coverage rules, and plan requirements. These updates are often tied to:

  • Inflation and rising healthcare costs
  • New laws like the Inflation Reduction Act
  • Changes in how much Medicare reimburses insurers

📌 In 2026, for example, a major prescription drug cost overhaul is taking effect—impacting how plans structure their formularies and copays.

Drug formularies are reviewed and modified each year

If you have a Part D or Medicare Advantage plan with drug coverage, your insurer re-evaluates which medications they cover, how much they cost, and which pharmacies are preferred.

That’s why your plan may cover your medication one year and drop it or raise the cost the next.

💡 This is one of the top reasons we encourage clients to review their coverage every October—even if nothing else has changed.

Premiums, Copays, and Deductibles change alongside market conditions

Insurance companies adjust plan premiums, deductibles, and copay amounts based on:

  • Medical trends
  • Prescription drug pricing
  • Provider contracts
  • Member usage

While these changes are often modest, some plans may increase costs significantly—or reduce benefits to keep premiums low.

⚠️ That “great plan” you had last year may no longer be the best value for you today.

Plans can be discontinued or renamed

Some plans are removed from the market entirely. Others are renamed or merged with similar options.

In 2026, for example, several major carriers are terminating certain Advantage plans, impacting hundreds of thousands of beneficiaries nationwide.

🏥 If your plan is discontinued, you’ll get a Special Enrollment Period—but waiting too long to act could lead to coverage gaps.

✅ What You Can Do: Review and Reassess Annually

The Annual Enrollment Period (October 15 – December 7) exists for this exact reason: to give you the opportunity to switch plans, compare drug coverage, and adjust your Medicare strategy for the year ahead.

At Emerald Medicare, we provide:

  • Coverage reviews every fall
  • Access to smart tools like RxCare for real-time drug plan savings
  • Help comparing Part D, Medigap, and Medicare Advantage options
  • Unbiased advice from licensed brokers (never pushy sales tactics)

Be Proactive, Not Reactive

The only constant in Medicare is change—but that’s not a bad thing. With a trusted partner on your side, these annual adjustments become opportunities to improve your coverage, reduce your costs, and feel more confident in your choices.

Let us help you prepare for 2026 and beyond.

Click below to schedule an appointment with one of our Medicare Experts.

Or, Contact Us
📞 (888) 683-6372 or (845) 358-1220
📧 office@emeraldmedicare.com

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Exploring Hearing Care with Dr. Kathleen Wallace, Au.D.

At Emerald Medicare, we’re committed to empowering our clients with the knowledge they need to make informed decisions about their healthcare. Hearing care is a critical – yet often overlooked – aspect of overall health, and we believe the topic deserves special attention. To shed light on the subject, we had the pleasure of speaking with Dr. Kathleen Wallace, Au.D., from Anywhere Audiology. Dr. Wallace is a well-respected and innovative audiologist with years of experience in hearing care & aural management. In this interview, Dr. Wallace shares her insights on hearing loss, the latest advancements in hearing aids, and how Medicare beneficiaries can access the care they need. Whether you’re already experiencing hearing loss or simply planning for the future, her expertise offers invaluable guidance.

 

Q: How does untreated hearing loss affect a person’s overall health, independence, and quality of life?

A: Untreated hearing loss has been linked to every facet of someone’s life; Studies show untreated hearing loss is linked to a reduction in quality of life, increased loneliness & social isolation, poorer mood, and increased depression. In addition, there are effects on your earning potential, relationship strain, and, when severe enough, safety concerns that may impact one’s independence. Perhaps most compelling is the correlation with dementia… Untreated hearing loss, particularly in mid-life, has been found to be the largest potentially modifiable risk factor for dementia in large studies published by the Lancet Commission and Johns Hopkins, to name a few. I must emphasize, however, that this is an example of correlation and not causation, meaning hearing loss itself does not cause dementia, but they often happen together. In other words, there are some changes that result from hearing loss (changes to the brain, social behavior, and cognitive load) that we know are not good for brain function. The good news is there is a robust body of evidence supporting the reversal of many of these negative effects of unmanaged hearing loss when hearing loss is managed through audiologic care, including the use of hearing aids, auditory training, or cochlear implantation. 

 

Q: How often should seniors get hearing exams, and why is it important to do so?

A: Ideally, folks over the age of 65 should be getting annual hearing tests, first to establish a baseline and to assess changes thereafter. This is particularly important for two reasons: 1. We are not very good at perceiving our own hearing sensitivity. The best course of action is to actually measure it to allow for more timely intervention, which will ultimately lead to better outcomes. 2. Not only does hearing loss become more prevalent as we age, but so do other health conditions that may increase your risk of hearing loss. Hearing is an important part of your overall health management, particularly when we think about healthy aging and maintaining independence. 

 

Q: Are there specific signs that indicate a senior should seek hearing care?

A: If you’ve never had a formal hearing test, or haven’t had a hearing test in a number of years, I highly recommend you get a test to establish a baseline. There is a lot of power in simply knowing your hearing sensitivity, and there is never an expectation for you to move forward immediately with hearing aids. Beyond that, it is important for you to have an honest look at your hearing – are you asking others to repeat themselves? Do you feel less confident at parties or social gatherings? Are you avoiding the phone? Do you need closed captions on your TV? Are family members or loved ones noticing your hearing? It might be uncomfortable to think about, but there is no shame in hearing loss.

There is a great questionnaire called the Hearing Handicap Inventory for Adults; this is a free online tool that may be a good place to start, whether it’s for yourself or for a family member. Lastly, it is recommended to pursue hearing care if you have ringing or buzzing in your ears (tinnitus), and medical evaluation by an ENT is recommended for any pain, fullness, discharge, dizziness, or sudden changes in hearing. 

 

Q: Have hearing aids evolved in terms of technology and usability and pricing for seniors? If so, how?

A: Hearing aids have changed drastically over the last 5 years, and even more dramatically when compared to those of previous generations. Modern hearing aids are essentially tiny computers- they have chips inside that use advanced algorithms to sample the sounds in your listening environment (up to thousands of times per second!) and automatically adjust themselves to the most appropriate setting for your environment. For example: are you at the beach with windy noise? Reading in a quiet room? At the theater? Eating out at a restaurant? All of these are very different environments from an acoustic perspective, and today’s hearing aids can automatically adjust & compensate appropriately.

Further, hearing aids are programmed uniquely to your own ears and tailored to sensitive areas across the frequency spectrum (or ‘pitches’) that you may have trouble with. Nowadays, they can go a step further to determine what amplification method(s) to employ based on the nature of the incoming sound in real time (ie. Dialogue vs. ambient noise vs. musical sounds, etc.). In this regard, it is almost like having a sound mixer in your ears.

While all of this might sound overwhelming, the good news is the advancements in technology have allowed for nearly all of this work to happen behind the scenes – and is based on how the audiologist programs your hearing aids. As the hearing aid user, all you must worry about is putting them in in the morning, taking them out at night, and some minimal cleaning. Hearing aids are often rechargeable now and offer Bluetooth connectivity if those are additional features you desire. 

 

Q: What are the core features that patients should consider when comparing different hearing aid models and brands?

A: The top priorities should always be sound quality for the user and practicality. 1: is it giving you the improvement you need in as natural a sound quality as possible? And 2: Can you use the hearing aids daily? Do they create more problems than they solve? I encourage anyone interested in exploring hearing aids to hear it for yourself – visit your Audiologist and demo multiple models from different manufacturers. From there, I’d say it’s the audiologist’s job to guide you on the pros and cons of all the additional features and considerations based on your unique hearing needs.

For example, you may desire the smallest hearing aid on the market, but your ear anatomy and/or severity of hearing loss may tell us that this is not the best treatment option for you. In addition, I think it’s important to mention if you intend to use your hearing aids everyday, make sure your audiologist understands your daily life. Maybe you are an avid golfer; you’d then need a hearing aid that can deal with wind noises well. If you love audiobooks, Bluetooth streaming may be important. If your hands aren’t working quite like they used to, rechargeable devices may be easier to use. 

 

Q: What are some common misconceptions about hearing care or hearing aids that you wish more people understood?

A: A lot of people think that hearing care equals hearing aids and that hearing aids are a “plug and play” solution. Your auditory system is quite complex, however, and hearing loss can lead to significant distortion and/or permanent damage to the hearing organs. There is a lot that goes into properly fitting hearing aids, and how the devices are programmed is far more important than the technology itself. If they are not set up appropriately for your hearing loss and anatomy, you will be substantially limiting your hearing aid benefit, if not further impacting your hearing abilities. I’d also mention that hearing aids, even when programmed well, should not be thought of as a “cure-all” solution; unfortunately, hearing loss is irreversible. We employ hearing aids to essentially harness & repurpose the hearing capacity that you have left.  You may need to use other tools like good communication strategies, remote microphones, or auditory training programs to maximize your benefit. 

 

Q: Could you talk about some of the social aspects of hearing loss? How may hearing loss affect one’s social life?

A: Evidence shows untreated hearing loss is linked to social isolation and loneliness, as well as reduced fulfillment in interpersonal relationships. To me, this is the most important aspect of hearing loss to consider. This also tends to be the most powerful motivator for people to do something about their untreated hearing. If you notice yourself withdrawing from conversation, opting out of social gatherings, or choosing not to take part in activities that typically bring you joy, I’d highly encourage you to think about how your hearing may be factoring in.

I’d also think about whether this is affecting anyone else in your life. There is something called Third Party Disability, which is the idea that your health condition could have an impact on loved one even if they do not have the condition themself. This is very common for people with hearing loss. For example, if one person in a married couple is withdrawing from social situations, odds are it will begin to impact the social life of their spouse as well. The good news is hearing loss management leads to a reversal of many of these negative social effects, not just for the person with hearing loss but also their loved ones. 

 

Q: What role(s) do family members or caregivers play in supporting seniors with hearing loss, and how can they be more involved in the process?

A: Family members can be very valuable assets to an audiology appointment. Because hearing loss tends to occur gradually over time, it is common for people’s loved ones to pick up on the hearing loss before they recognize it in themselves. To put it simply- you don’t know what you don’t hear. I find it helpful, when done tactfully, for family members to share their perspective and insights. The key, however, is to continue to emphasize that this is coming from a caring place and wanting the best for them. It should never be combative or a blame game, especially if the person is in denial. When a family member does pursue hearing care, I encourage you to be supportive and patient. Hearing loss and hearing aids are not easy! There may be a learning curve and there may still be times when you’ll need to repeat yourself. Just continue to be supportive and encouraging. As far as day-to-day maintenance, family members can be helpful to check if the hearing aids are inserted properly, the devices are being charged, or the batteries have been changed, and potentially taking on some of the tasks that require good vision and dexterity if those are concerns for the patient. 

 

Q: Could you share some important statistics on hearing loss amongst seniors today and/or overtime?

A: A simplification of the prevalence of hearing loss with age is that roughly 60% of people in their 60s, 70% of people in their 70s, 80% of people in the 80s and over 90% of people in their 90s have hearing loss. The odds are it will affect you at some point in your life!

Over 50 million adults in the United States have hearing loss and it ranks as the third most prevalent chronic condition in the US. Yet, only about 20% of people who would benefit from hearing aids actually use them. There are many contributing factors that tell us why this is the case, but the top 3 typically are: not perceiving enough difficulty, stigma, and price/cost.

 

Q: Do you ever encounter patients struggling to afford hearing aids? If so, what advice do you offer to seniors seeking affordable solutions?

A: Yes, unfortunately. Traditionally, hearing aids have not been covered, or are fairly limited in their coverage. This includes Medicare and dates back to how audiologists were categorized as providers with CMS and an outdated understanding of hearing treatment. Hearing aids typically retail anywhere from $3000 – $7000 for a pair through most practices, with no assistance from insurance. There are a few supplemental plans that may offer some limited coverage, but I’d be sure to read those benefits carefully to understand if there is a particular manufacturer of hearing aid or clinic you must use to take advantage of the benefit. If hearing aids remain out of reach, you can discuss a payment plan with the audiologist, consider an older model, see if you qualify for services through the VA if you are a veteran, look for funding through local organizations, determine if Costco is appropriate for you, or check if you meet the criteria for over the counter hearing aid options. There are also a few non-profits out there who offer hearing aids, but that will depend on your region.

 

Q: What advice would you give to seniors about selecting a hearing care provider or audiologist?

A: I think it is very important for you to select a hearing provider / audiologist you can trust. Typically, it is a good sign when an audiologist works with multiple hearing aid manufacturers because this will give you as many care options as possible. I’d find one that is in a location that is accessible and with a schedule that works for you. I’d also ask them questions about how they approach clinical decision making to see if matches your preference. For example, some people want joint decision making and others prefer more of a “doctor-knows-best” strategy. Lastly, ask around and see if there is someone your community trusts. This could be through word-of-mouth or reading reviews online.

I’m also happy to answer any questions you may have! And if you believe being seen in your home would be best for you, please let me know! Anywhere Audiology sees residents throughout the New York Tristate Area and we’re proud to be an independent, brand agnostic team of doctors of audiology.

Advice from the Experts: Medicare Guidance at Emerald Medicare

We want to extend our heartfelt thanks to Dr. Kathleen Wallace for sharing her invaluable expertise on hearing care and hearing benefits. At Emerald Medicare, we are committed to supporting your health and well-being, which includes providing education on aligned health subjects that impact your quality of life.

If you’d like to explore your Medicare options or need personalized advice, our expert team is here to help. Click below to schedule an appointment with one of our licensed brokers through Calendly, or contact us directly at the number or email below.

Contact Us:

Click below to schedule an appointment with one of our Medicare Experts.

Medicare Advantage Benefits: Vision and Hearing Coverage in 2025 and Beyond

Vision and hearing care are vital for maintaining independence, social confidence, and overall health as we age. While these benefits are often taken for granted during working years with employer-provided coverage, transitioning to Medicare requires careful evaluation of available plans to ensure your needs are met. We’re here to help you navigate the changing landscape of Medicare Advantage benefits, and today we’ll turn our attention to vision and hearing care.

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Medigap vs. Medicare Advantage: What You Need to Know

Original Medicare doesn’t provide coverage for routine vision exams or hearing aids, though it does cover certain specialist visits, including audiology, optometry, and ophthalmology.

In contrast, Medicare Advantage (Part C) plans have increasingly expanded their vision and hearing benefits to address these gaps. 

As Medicare Advantage plans continue to evolve, they are enhancing their offerings in vision and hearing care, providing more comprehensive coverage for beneficiaries. Let’s take a closer look at what’s changing for 2025 and how you can make the most of your benefits.

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Expanding Vision and Hearing Coverage in 2025

In 2025, Medicare Advantage plans will further standardize and improve their vision and hearing benefits. These updates aim to enhance access to care while potentially lowering out-of-pocket costs for beneficiaries.

  • Vision Care Enhancements: Plans are expanding allowances for prescription glasses and contact lenses, as well as covering a broader range of vision services.
  • Hearing Aid Benefits: New standalone hearing aid benefits will introduce increasing annual allowances, ensuring beneficiaries can access financial support as their needs evolve:
    • Year 1: $500
    • Year 2: $1,000
    • Year 3: $1,500

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Vision Coverage: What’s Included?

Medicare Advantage plans are designed to address the vision care needs of beneficiaries, offering benefits that often include:

  • Routine Eye Exams: Most plans cover annual eye exams, essential for monitoring eye health and updating prescriptions, at no additional cost when using in-network providers.
  • Prescription Glasses and Contacts: Many plans offer allowances for eyeglasses or contact lenses, making vision correction more affordable.
  • Corrective Eye Surgeries: Some plans provide partial coverage for procedures like cataract surgery or LASIK, helping beneficiaries manage costs for these often-expensive treatments.
  • Specialized Vision Devices: Coverage may also include adaptive devices, such as magnifiers, for those with specific vision needs.

Hearing Coverage: What’s Included?

Hearing care is another critical area of focus for Medicare Advantage plans. Here’s what beneficiaries can expect:

  • Annual Hearing Exams: Covered by most plans to help identify hearing issues early and provide timely support.
  • Hearing Aids and Fittings: Many plans cover the cost of hearing aids, including fittings and adjustments, ensuring the right fit and optimal assistance.
  • Standalone Hearing Aid Benefits: As mentioned, these new benefits offer increasing allowances, helping beneficiaries afford hearing aids over time.
  • Lower Out-of-Pocket Costs: By reducing copayments and coinsurance for hearing aids and related services, plans to make these essential devices more accessible.

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Maximizing Your Vision & Hearing Benefits

To make the most of your Medicare Advantage vision and hearing benefits, consider these tips:

  1. Schedule Preventive Exams Early: Ensure you use the fully covered annual eye and hearing exams provided by your plan.
  2. Check Allowances for Glasses and Hearing Aids: Understand your plan’s annual allowances and plan your purchases accordingly.
  3. Use In-Network Providers: Save on costs by staying within your plan’s provider network.
  4. Evaluate Your Plan During AEP: Use the Medicare Annual Enrollment Period to compare plans and switch to one that better fits your vision and hearing needs if necessary.

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Look Ahead to 2025 with Emerald Medicare

Medicare Advantage plans are continually enhancing their vision and hearing benefits, making them an attractive option for beneficiaries seeking comprehensive healthcare coverage. At Emerald Medicare, we’re here to guide you through these changes and ensure you find the best plan for your needs.

If you’re ready to explore your Medicare Advantage options, our team of expert advisors is here to help. Click below to schedule an appointment with one of our brokers through Calendly, or contact us directly at the number or email below.

Contact Us:

Click below to schedule an appointment with one of our Medicare Experts.

7 Must Know Facts Regarding Dental Coverage

As your trusted Medicare resource, we understand the importance of all of your healthcare needs, which include dental care. In this post, we want to help you understand your Medicare Advantage dental benefits. Our goal is to empower you with the knowledge and tools you need to make informed decisions about your dental health within the framework of Medicare. Let’s dive into the world of dental wellness and Medicare together! Here are 7 must-know facts regarding dental coverage:

1. All Medicare Advantage plans do not have the same dental coverage, while 95% of MA plans offer some level of dental coverage.

While Medicare Advantage plans often include dental coverage, the extent of coverage can vary significantly between carriers & plans. While some may cover only basic preventive services like cleanings X-rays, or exams, others may also cover more comprehensive procedures such as fillings, crowns, root canals, or even extractions. It’s important for Medicare beneficiaries to carefully review the dental benefits offered by each Medicare plan or their company’s offering to ensure they meet their specific needs.

 

2. Standalone dental policies vary widely on details and cost.

Standalone dental insurance policies come in a variety of options, each with its own set of coverage details and costs. Some plans may have lower premiums + lower yearly out-of-pocket maximums for services, while others may offer more comprehensive coverage with higher premiums out-of-pocket costs for services, while others may offer more comprehensive coverage with higher premiums. It’s essential for individuals to compare the details of different dental policies to find one that best fits their dental needs & budget.

3. It’s OK to ask your dentist for a cash discount.

Many dental offices offer cash discounts for patients who pay for their services upfront or for those who are without dental insurance. Asking your dentist for a cash discount can help you save money on your dental bills, especially if you’re paying out-of-pocket for services not covered by insurance. Don’t hesitate to inquire about this option during your next dental visit.

4. Your dentist can be helpful in controlling expenses.

Dentists understand that dental care can be costly, and they’re often willing to work with patients to find cost-effective solutions. Whether it’s discussing treatment alternatives, offering payment plans/deferring services, or providing guidance on oral hygiene practices to prevent future dental issues, your dentist can be a valuable resource in controlling expenses while maintaining good oral health.

5. Expect to pay out-of-pocket beyond preventative services.

While many dental insurance plans cover preventive services like cleanings and exams at little to no cost, beneficiaries often fail to realize they might have to pay out-of-pocket for more extensive procedures such as fillings, root canals, or crowns. It’s important for individuals to budget for these expenses and explore options like dental savings plans or payment arrangements with their dentist to manage costs effectively.

6. After leaving a job, you might be able to keep your dental coverage through COBRA.

COBRA often allows individuals to continue their employer-sponsored health and dental coverage for a limited time after leaving a job. While COBRA coverage can be more expensive than what you paid as an employee, it provides a temporary solution for maintaining dental coverage until you find alternative insurance options.

7. Tax-free HSA money can help with out-of-pocket dental costs.

If you’ve contributed to a Health Savings Account, you can use your HSA as a tax-advantaged way to save and pay for qualified medical/dental expenses. Contributions to an HSA are tax-deductible, and withdrawals for eligible expenses – including dental care – are tax-free. Utilizing HSA funds can help offset out-of-pocket dental costs and provide financial flexibility for managing your oral health needs.

 

For more information on your dental benefits through your Medicare Advantage plan, download the digital document below:

Click below to schedule an appointment with one of our Medicare Experts.

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