An active elderly couple taking a hike to illustrate and article about the Medicare Open Enrollment deadline approaching, Getting Medicare beneficiaries ready for 2026, Abe Wischnia is a registered Medicare counselor for Consumer Rescue

Medicare open enrollment is closing soon. Are you prepared for 2026?

Sometimes fall can seem like it’s open season on Medicare beneficiaries. Insurance companies are after your money by raising costs, reducing benefits, and dropping covered drugs. And, of course, there are crooks who use this period to target you with Medicare scams.

If you’re on Medicare and want or need to watch your budget, pay attention. Now is the time to protect yourself.

Here’s what Medicare beneficiaries need to know to prepare for 2026.

An older couple pondering Medicare Advantage options, Original Medicare problems, trapped in Medicare Advantage

The Medicare Advantage trap: why leaving can be too expensive

Some Medicare Advantage plan members feel trapped, finding it too expensive to revert to Original Medicare. Here’s what to be aware of and how to avoid the same situation. 

Consumer Rescue’s special features columnist, Abe Wischnia, a registered Medicare counselor, answers your questions.

Medicare Advantage customers feel trapped.

Feeling trapped by your Medicare Advantage plan? You’re not alone

Imagine needing a medical procedure only to find that your Medicare Advantage plan is denying coverage. Unfortunately, that’s not an imaginary scenario. In fact, it’s very real and happens millions of times a year for seniors in Medicare Advantage plans. The problem of unfair coverage denials is finally getting more national attention. But it’s too late for those who were wrongly denied care.

Medicare 101, taking notes in class, a notebook, pen and glasses on a desk

Approaching 65? Here’s your Medicare 101 crash course

What if you had to make a healthcare decision that could affect the rest of your life?

That’s not a hypothetical question if you’re 65 and about to go on Medicare. Every day another 10,000 Americans turn 65 and need to make critical decisions regarding how they structure their healthcare going forward.

But Medicare comes with complicated rules that can be confusing and can lead to problems if ignored or misunderstood. It’s important that you make informed choices.

Read on as I take you through a simplified Medicare 101.

A doctor's office for elderly people on Medicare.

I have Medicare drug insurance. Why did I get this $2,055 bill?!

After Michael Foxhoven learned that Medicare covers shingles and Tdap vaccinations, he made appointments for both himself and his wife at their doctor’s office. Since they were due for a Covid booster, they figured they could also get that out of the way in the same visit.

But a few months after that appointment, Foxhoven got the sticker shock of his life. That’s when he received a $2,055 bill for the vaccinations that he thought Medicare would cover.

So why didn’t it?

The answer will probably surprise you.

Medicare prescription drug plan coverage, pills at the pharmacy.

How to save money on your Medicare prescription drug plan

If I could show you how to save money on your Medicare prescription drug plan, would you be interested?

You have an opportunity to possibly do so during Medicare’s annual election period – better known as open enrollment. 

Regardless of which name you use, this is the period between Oct. 15 and Dec. 7 when Medicare beneficiaries can elect to change prescription drug plans, change Medicare Advantage (Part C) plans, switch from original Medicare to Part C, and vice versa. Changes you make are effective Jan. 1.

Last week, I wrote about why and how to be a careful shopper when you’re looking at Medicare Advantage plans. I used an enticing offer I received as an example. Today, I’ll do the same about your prescription drug coverage.