Big Changes Are
Coming to Your
Medicare Coverage.
Let us help you protect your pocketbook.
Every year, Medicare plans adjust premiums, networks, and out-of-pocket costs. The 2027 updates bring major shifts to Medicare Advantage, Medigap, and Part D. Find out exactly how these changes affect you.
What type of Medicare plan do you currently have?
Select your current coverage below to get personalized guidance and see your exact next steps for the upcoming Annual Enrollment Period.
Medicare Advantage (Part C)
Maximum out-of-pocket limits, network doctors, and extra benefits change yearly. We need to review your plan to ensure it still fits your health needs and your doctors remain in-network.
See The 2027 Shake-UpMedicare Supplement (Medigap)
While your benefits remain stable, your monthly premiums may significantly increase. Let's compare the market to make sure you aren't overpaying for your exact same coverage.
Am I Overpaying?Standalone Drug Plan (Part D)
With the new $2,400 out-of-pocket cap and the elimination of the donut hole, drug plans are changing drastically. To get accurate results, you must check your exact medications and preferred pharmacy.
What are my options?The Inflation Reduction Act
2027 Medicare Updates:
What You Need to Know
The government introduced major consumer protections that heavily impact the drug coverage in both your Medicare Advantage and standalone Part D plans. Here is how your costs change.
The $2,400
Out-of-Pocket Cap
Starting in 2027, your total out-of-pocket spending on covered Part D prescription drugs will be strictly capped at $2,400 per year.
Once you hit this limit, you pay $0 for your covered medications for the rest of the calendar year. True financial peace of mind.
For Standalone Part D Plans
Two Ways to Check Your Drug Plan
To get accurate results, you must check your exact medications and preferred pharmacy. You can do this yourself manually, or use a smart concierge tool to do the heavy lifting for you.
Let HeyMOE Do the Work for You
Skip the frustrating data entry. HeyMOE automatically:
-
Monitors your exact prescriptions securely.
-
Find the cheapest pharmacies near you.
-
Emails you your absolute best savings options.
Standalone Drug Plan (Part D)
Medicare.gov / Plan Finder Tool
With the new $2,400 out-of-pocket cap and the elimination of the donut hole, drug plans are changing drastically. To get accurate results, you must check your exact medications and preferred pharmacy.
Want help navigating this?
Join our live webinar to learn how to self-enroll and find the cheapest plan on your own using the Medicare website.
Medicare Advantage:
The 2027 Shake-Up
Medicare Advantage (Part C) plans are overhauling their benefits for the upcoming year. It is absolutely crucial to verify your plan before the Annual Enrollment Period ends to ensure you aren't caught off guard.
-
Doctor & Hospital Networks Providers frequently enter or leave networks. We need to verify your preferred doctors are still covered for 2027.
-
Extra Benefits Adjustments Allowances for dental, vision, hearing, and over-the-counter products are being completely restructured.
Your Plan May Still Be The Right Plan
Reviewing your Medicare coverage does not mean you need to change plans. If your current coverage still fits your needs, staying where you are may make sense.
The goal is simple. Know what your plan looks like for 2027 before making a decision.
Have Any Of These Changed This Year?
Think about your healthcare needs today compared with last year. Have you:
- Started taking a new prescription?
- Stopped taking a medication?
- Changed doctors?
- Started seeing a specialist?
- Diagnosed with a new condition?
- Changed preferred pharmacy?
- Used benefits you did not expect?
- Found benefits you rarely use?
- Experienced higher healthcare costs?
If you answered yes to any of these, your current Medicare Advantage plan deserves another look.
Stop Overpaying For
The Exact Same Coverage.
Medicare Supplement plans provide incredible peace of mind, allowing you to see any doctor nationwide that accepts Medicare. However, because the government standardizes these benefits, the only difference between insurance companies is the price.
If your monthly premiums have been increasing, our independent agents can scan the entire market to find you the exact same plan letter for a lower cost.
Understanding New Medicare GLP-1 Options
Medicare GLP-1 Bridge Program: Starting July 1, 2026
What This New Program Is
Medicare has introduced a temporary program called the Medicare GLP-1 Bridge, which begins July 1, 2026.
- Provides access to certain weight-loss medications.
- Operates outside of your standard Part D drug plan.
- Offers a flat monthly cost of approximately $50 if approved.
- View Official CMS Program Details
Who May Qualify
Approval is based on medical necessity. You may be eligible if you have Medicare with drug coverage, your doctor prescribes a GLP-1, and you meet specific health criteria.
Part D Eligible Diagnoses (Requires submission to standard Part D plan first):
- Moderate to severe obstructive sleep apnea (OSA)
- Noncirrhotic metabolic dysfunction-associated steatohepatitis (MASH) with moderate to advanced liver scarring
- Type 2 diabetes
- History of major adverse cardiovascular (CV) events with established CV disease
For weight reduction only (No Part D diagnosis):
Submit through GLP-1 Bridge for Foundayo®, Wegovy® (injections & tablets), or Zepbound® (Kwikpen®).
How the Approval Process Works
This program has a different process than your normal Part D prescription coverage:
- Your doctor evaluates whether the medication is clinically appropriate.
- Your doctor submits a prior authorization request.
- The request is reviewed through a central Medicare system (not your standard insurance plan).
- If approved, you can pick up the medication at the pharmacy and pay about $50/month.
Important Things to Know
- Not everyone will qualify — approval strictly depends on your medical profile.
- This is a temporary program (currently scheduled through 2027).
- The $50 cost does not count toward your Part D deductible or out-of-pocket maximum.
- It does not replace your existing essential drug coverage.
Information for Prescribers
For complete clinical criteria, patient eligibility conditions, and electronic prior authorization (ePA) instructions, your provider must consult the official CMS guidelines.