Medicare 2026 Update and Changes Presentation by Stephanie Clements Medicare Advisor

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Stephanie will present the changes in the 2026 Medicare program and answer any of your questions.   This is a free informational session. 

Copilot extract

In 2026, Medicare plans will see significant updates, including lower costs for medications, automatic re-enrollment for Part D, and enhanced benefits for chronic illness management.

Key Updates for Medicare in 2026

  1. Automatic Re-enrollment: Beneficiaries using the Medicare Prescription Payment Plan will be automatically re-enrolled each year starting in 2026, simplifying the process for maintaining coverage. 
  2. Out-of-Pocket Spending Cap: The total annual out-of-pocket spending on prescription drugs under Medicare Part D will be capped at $2,100, providing financial relief for beneficiaries. 

Insulin Cost Cap: The cost of insulin will remain capped at $35 per month with no deductible, ensuring affordability for those managing diabetes. 

  1. Free Vaccines: Adult vaccines recommended by the Advisory Committee on Immunization Practices (ACIP) will continue to be provided at no cost under Part D, enhancing preventive care access. 
  2. Medicare Advantage Plans: Average monthly premiums for Medicare Advantage plans are expected to decrease, and these plans will offer enhanced support for managing chronic illnesses, including tailored benefits for specific conditions. 
  3. Drug Price Negotiation: Starting in 2026, Medicare will negotiate lower prices for ten high-cost prescription drugs, which is expected to significantly reduce out-of-pocket spending for beneficiaries. 
  4. Changes to Part D Plans: The standard initial deductible for Medicare Part D will increase to $615, while the out-of-pocket spending limit will rise to $2,100. These adjustments aim to balance costs and benefits

Enrollment Period

Beneficiaries are encouraged to review their Medicare plans during the Open Enrollment Period, which runs from October 15 to December 7 each year. This is an opportunity to compare plans and ensure that coverage aligns with healthcare needs, especially given the potential changes in costs and benefits for 2026. 

These updates reflect ongoing efforts to improve Medicare coverage and affordability, ensuring that beneficiaries have access to necessary medications and healthcare services

 


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  • Starts 15 October 2025 04:00 AM UTC
  • Ends 23 October 2025 04:00 AM UTC
  • No Admission Charge

  Speakers

Topic:

Stephanie Clements

Stephanie Clements – Bio

 

Stephanie Clements has been in the insurance industry for over 30 years. Her earlier career was at Cigna where she spent 20 years in Sales. While at Cigna, she served as a Team Leader, Trainer and Account Manager.   As an Account Manager, she was responsible for:

  • Managing relationships with insurance vendors, customers and consultants for successful renewal and profitable growth; sales and persistency goals averaged 90%; renewal discussions with brokers over financials and benefits to identify customer long and short-term needs; rating strategies to maximize business profits and renewal objectives in accordance with sales goals
  • Implementing new products; conducted train-the-trainer meetings for staff (internal and external)
  • Conducting employee orientations and annual open enrollment activities; developed and modified compliant benefit plans in accordance with State/Federal Laws.

 

Upon leaving Cigna (2003), she focused on the Small Group business as an independent broker/agent until 2008 when she entered the Medicare market.  As a Medicare agent, she has helped family members, friends and retiring Cigna associates navigate the nuances of Medicare.  Those relationships helped to foster the many referrals she continues to receive as a trusted advisor in the Medicare space.

Stephanie is approaching her 15th year as an independent Medicare agent.