Updated on Nov. 11, 2025
If you're one of the millions of Medicare Advantage (MA) members reviewing your healthcare options this Open Enrollment, you’re likely considering how the upcoming changes in coverage will impact your care and costs. Whether you’re a retiree in your 60s, a couple in your 70s managing chronic conditions, or someone in your 80s seeking more specialized care, it’s important to find a plan that works best for your unique needs. At MemorialCare, we’re here to help make your decision easier and ensure you have access to quality care no matter what changes lie ahead.
The Medicare Annual Enrollment Period (AEP) runs from October 15 to December 7, and now is the perfect time to review your plan to make sure it meets your needs for 2026. With rising prescription drug costs and new changes to your Part D coverage, MemorialCare’s Medicare Advantage plans can help reduce your costs and simplify your healthcare.
Medicare is divided into several parts to provide coverage across a wide range of healthcare needs:
- Part A covers hospital stays, skilled nursing facility care, hospice care, and some home health services.
- Part B covers doctor visits, outpatient care, preventive services, and medical equipment.
- Part C (Medicare Advantage) combines Parts A and B, often with additional benefits like dental, vision, hearing, and prescription drug coverage.
- Part D provides prescription drug coverage, often bundled into Medicare Advantage plans.
For 2026, there are a few notable changes that could affect your out-of-pocket costs. For example, the Part D Maximum Out-of-Pocket (MOOP) will increase by $100, from $2,000 to $2,100, and many plans are introducing a deductible for Part D, which could mean higher upfront costs for medications. These changes might seem overwhelming, but MemorialCare’s team is here to guide you through them and help you find a plan that keeps your costs predictable and your care seamless.
With MemorialCare, you’ll gain access to an extensive network of trusted doctors, specialists, and hospitals. Our flexible plans allow you to change your doctor at any time, ensuring you receive care that fits your needs. In addition, MemorialCare has a suite of virtual health options available to you.
MemorialCare’s 24/7 virtual care offers Californians access to a range of virtual care options – no MemorialCare affiliation required – all fully HIPAA-compliant to protect patient privacy. Free services include a 24/7 symptom checker and AI-powered chat, or access to a live 24/7 call center for guidance from care associates. Care is provided by MemorialCare clinicians, including nurse practitioners, physician assistants and medical doctors.
For many seniors, avoiding crowded emergency rooms is a top priority, especially when non-emergency issues can be addressed from the comfort of home. MemorialCare’s virtual care services help you manage routine health concerns, access expert advice, and even get prescriptions refilled, all without stepping into an ER.
