Medicare Advantage in 2026: Why February Is the Time to Re-Evaluate Benefits
Medicare Advantage plans remain popular for many good reasons, bundled coverage, predictable costs, and extra benefits. But 2026 has brought noticeable changes, and February is when many people begin to reassess whether their plan still delivers what they expected.
What I’m Seeing with Medicare Advantage in 2026
This year, many plans have adjusted:
- Supplemental benefits like dental, vision, and OTC allowances
- Provider networks
- Prior authorization requirements
Some benefits are still strong, while others are more limited than in previous years. That doesn’t mean Medicare Advantage is bad, it simply means plan details matter more than ever.
Why February Is the Reality Check
By February, you’ve had time to:
- Try using your benefits
- Schedule appointments
- Fill prescriptions
- Navigate authorizations
If the plan feels restrictive or confusing, it may not be the right long-term fit.
Medicare Advantage vs. Original Medicare
This is one of the most important conversations I have with clients. There is no one-size-fits-all answer.
Medicare Advantage can work well for people who:
- Are comfortable with managed care
- Want lower upfront costs
- Prefer bundled benefits
Original Medicare may be a better fit for those who:
- Want broader provider access
- Travel frequently
- Prefer fewer network restrictions
February allows us to explore these options without pressure.
My Role as Your Advocate
I don’t represent just one insurance company, I represent you. My goal is to help you understand how your plan works in real life, not just on paper.
If your Medicare Advantage plan feels different than expected this year, that’s worth a conversation.
Let’s Make Sure You’re Set for the Year Ahead
You deserve coverage that supports your health, your lifestyle, and your peace of mind. February gives us the opportunity to adjust before options become limited.
If you’re questioning your Medicare Advantage plan, I’m here to help.