New for 2026: Medicare Part D Premium Stabilization
Starting in 2026, Medicare Part D will undergo several changes designed to make costs more stable and predictable for beneficiaries.











How do I apply for Medicare?
How do I apply for a Medicare Advantage or Supplement Plan?
Can I apply for Medicare in person?
Can I get assistance applying for Medicare?
When should I apply for Medicare?
What if I missed my Initial Enrollment Period?
Are there penalties for enrolling late?
When do I get my Medicare card?
I want to thank Mr. Garcia (Julio) for his time, experience and dedication in finding me the best insurance policies for my specific needs. Right in the middle of my cancer treatment life crashed around me and I had to learn and navigate Medicare, medigap, supplements and new proscription drug plans. His honesty and flexibility were key…
I want to thank Mr. Garcia (Julio) for his time, experience and dedication in finding me the best insurance policies for my specific needs. Right in the middle of my cancer treatment life crashed around me and I had to learn and navigate Medicare, medigap, supplements and new proscription drug plans. His honesty and flexibility were key to finding peace through this complicated and confusing time of my life. Many blessings to Julio and his lovely wife.
We were fortunate to be introduced to Julio by a friend. He helped us navigate through applying for Medicare and choosing an Advantage plan. Julio is a top-notch professional who is extremely knowledgeable. It is without hesitation that we strongly recommend him!
I live in Laguna Woods and was referred to Julio to help me with my Medicare and Social Security. I made an appointment and he came to my house. I was shocked that someone (these days) would do that. I was beside myself about dealing with Medicare and it was more than I could deal with. Julio was kind, patient and personable and he got me…
I live in Laguna Woods and was referred to Julio to help me with my Medicare and Social Security. I made an appointment and he came to my house. I was shocked that someone (these days) would do that. I was beside myself about dealing with Medicare and it was more than I could deal with. Julio was kind, patient and personable and he got me through what I considered something very difficult. He was present with me while I was on the phone with Social Security and later online to solve my problem. I highly recommend Julio to help others with working through the system.
Julio Garcia is an insurance service specialist who, on a scale of 1-10, is definitely a 10. He cares about his clients and is a great listener, experienced professional and dependable asset to anyone with insurance needs. I’ve used his services for 4years for my Medicare insurance, and am very happy with his role as my broker.
Starting in 2026, Medicare Part D will undergo several changes designed to make costs more stable and predictable for beneficiaries.
By addressing sleep issues, aging adults can enjoy more energy, sharper focus, and a greater sense of well-being throughout retirement.
Many Medicare beneficiaries feel satisfied with their current coverage and assume that if nothing has changed, there is no need…
From October 15 through December 7, you can review, change, or update your Medicare coverage.
By working with a licensed insurance broker, you gain a knowledgeable partner who can help you avoid costly mistakes and ensure your coverage continues to meet your needs.
Blood clots can be frightening, but awareness and quick action save lives. Know your risk factors, stay alert to symptoms, and talk to your healthcare provider if you have concerns.
Medicare’s Annual Enrollment Period (AEP) is the one time each year when most beneficiaries can make changes to their coverage. For 2026 plans, AEP runs from October 15 through December 7, 2025.
Medicare does not offer family or joint coverage. Each person must enroll separately and have their own plan.
Your Medicare Initial Enrollment Period (IEP) begins three months before your 65th birthday, includes your birthday month, and extends three months after.
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