UNITED STATES—Toni: Currently, I am on a stand-alone Part D plan with a Medicare Supplement plan G because of my serious health issues. Last week, I received information about the changes to the 2026 Medicare Part D plan I am currently enrolled in, and the premium is increasing by $50 per month from $44.80 to $94.80 beginning January 1. The Part D plan also informed me that two of my expensive prescriptions for my heart and rheumatoid arthritis issue will no longer be covered on this specific plan beginning January 2026.

Toni, please explain in easy-to-understand terms what I need to do to change to a Part D plan that will cover all of my prescriptions before Medicare’s Open Enrollment Period ends on December 7. I have read your articles for years and now I need your Medicare guidance.

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