Learn more about how Allstar Financial Insurance can help you with Medicare Advantage plan (aka Medicare Part C), your Medicare Prescription Drug Plan (aka Medicare Part D), and Medicare Supplement (aka Medigap) plan.
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2026 Medicare Annual Election Period (AEP) from
October 15 until December 7
Annual Election Period
It is the time of year when you get overwhelmed with solicitations regarding your Medicare Advantage Plan aka Medicare Part C and your Medicare Prescription Drug Plan aka Part D. Many plans are being discontinued, and you must re-enroll in another plan.
- Kaiser Permanente has changed plans in many counties meaning you must re-enroll.
- Molina will only offer plans to people receiving Medicaid.
- Humana has bought back Silver Sneakers for their plans and increased Dental limit to $3,000 per year, however UW Medicine is no longer In-network.
- Regence Blue Shield will only be offered in Snohomish County.
- Aetna no longer offers Fitness Reimbursement benefits.
- New Plan – SCAN Benefits is now available in Pierce, & Thurston counties
During the Annual Election Period
If you are not currently enrolled in either a Medicare Advantage Plan aka Part C or a Medicare Prescription Drug Plan aka Medicare Part D you can enroll, and you cannot be refused. If you are already enrolled in a plan you can switch to a different plan or company or company or do nothing at all.
Please note with Medicare Advantage aka Part C there are no restrictions regarding pre-existing conditions. Medicare is Medical Insurance for people age 65+ and people who’ve been receiving Social Security Disability Insurance for longer than 2 years. You need to know your 11-digit Medicare number to enroll in a plan.
Medicare Advantage aka Part C
Here is brief synopsis of some of the plan options available
Regence is a fan favorite. Offering HMO to Snohomish County Residents . Large provider network and drug formulary. Plans include Dental, Vision, Over the Counter, Silver & Fit.
I compare Kaiser to Apple Computers (vertically integrated so everything works together). There are 3 plans choices. Plans include Preventive Dental, Vision, Alternative Medicine, Over the Counter and Fitness Benefit.
Offers very rich benefit designs and low copays. The HMO Giveback plan refunds $64 of your monthly Medicare Part B premium, so your Social Security payment is more. Plans include Dental, Vision, Alternative Medicine, OTC, Silver Sneakers.
They offer both HMO and PPO options. Plans include Dental, Vision, and Silver Sneakers.
Has remained a strong provider of coverage. Always one of my favorite providers. Offers:
- both HMO and PPO options with all the bells and whistles.
- Plans include, Dental, Vision, Alternative Medicine, Over the Counter and Silver Sneakers.
- Humana has one of the largest provider networks (your doctors probably accept Humana)
- $0 copay for Generic Drugs.
We offer a range of Medicare coverage options tailored to your needs.
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Medicare Advantage (Part C): Replaces Parts A & B; covers medical expenses (no prescriptions).
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Prescription Drug (Part D): Covers prescriptions only.
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Medicare Advantage + Prescription Drug (C + D): Combines medical and prescription coverage.
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Medicare Supplement: Fills gaps in Original Medicare (A & B); can be paired with a stand-alone Drug Plan.
Medicare Gap Plans
Medicare Advantage vs Medicare Supplement
There are 2 types of plans designed to fill the gaps left by Medicare. There are Medicare Advantage Plans and Medicare Supplement plans. Medicare Supplement plans tend to have higher premiums than Medicare Advantage but less potential financial exposure. Supplements do not include many of the extra and ancillary benefits offered by Medicare Advantage (Dental, Vision, OTC, etc) Also Medicare Supplement plans do not include drug coverage, you have to get a standalone Medicare Part D; prescription drug plan.
Medicare Supplement aka Medigap
Plans A, G, K and N plans available. If you’re enrolled into Medicare before 2020 Plan F is also available
Plans A, G, High Deductible G and N plans available. If you’re enrolled into Medicare before 2020 Plan F is also available.
Plans A, G, High Deductible G and N plans available. If you’re enrolled into Medicare before 2020 Plan F is also available.
If you enroll in a Medicare Supplement aka Medigap plan you must also enroll in a stand-alone prescription drug plan if you do not you will be penalized if you enroll later.
Medicare Part D: Prescription Drug Plans
The plans below are for people that receive both Medicare and Medicaid. These plans are referred to as Special Needs (Dual Eligible) Plans. FYI –Medicare is Medical Insurance; Medicaid is financial assistance for low income. If you want to see if you are eligible for financial assistance, please go to https://www.washingtonconnection.org. If you qualify you may not have to pay your Medicare Part B premium ($174.80/mth), you will pay nothing when you receive care, and you will receive many additional benefits.
Medicare Advantage Special Need Plans
Offers both HMO and PPO plan options. Plans offer; Telehealth: $0 per call; Meals delivered right to their door to improve recovery; $750 covered additional dental, vision, or hearing services; Up to $25 every month for healthy food; $50 every month to help cover the cost of utilities; Robotic companion pet; $395 every quarter Over the Counter items.
Healthy Options Allowance $185 monthly allowance on a prepaid card to use for essentials you need to support your health. This allowance can be used to buy approved products from participating retail locations (like groceries, over-the-counter health and wellness items, personal care items, home supplies, etc.) or pay for approved services (monthly living expenses like a taxi, Uber, Lyft, etc.) Routine Acupuncture $0 copay for acupuncture visits up to 25 visits. SilverSneakers ® fitness program Basic fitness center membership including in person and digital fitness classes
Plans include $300/qtr over the counter benefits, transportation and stipend to pay utilities, food and personal emergency response system.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov
This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare.
