2027 Annual Enrollment Period: Your Next Steps
Medicare's Annual Enrollment Period runs from October 15 through December 7, 2026, with plan changes taking effect on January 1, 2027. We know this time of year can feel overwhelming, but please rest assured that Care Compass is here to guide you through your options. Because many clients in our community require a timely review this year, we have updated our review process to serve everyone as efficiently as possible.
Overview of the AEP Process
We know how important your Medicare plan review is, and as always, you can rely on us to guide you through it.
Due to exceptionally high demand across our community, we are unable to automatically schedule extended one-on-one meetings for every client. To ensure we help everyone as efficiently as possible, we are using a priority triage process:
High Disruption (First): Immediate attention for clients facing major plan disruptions e.g. plan terminations/Service Area Reductions (SARs).
Moderate Disruption (Next): Reviews for clients with significant medical/medication changes or updates to their preferred doctors, hospitals, or pharmacies.
Low Disruption (Last): General plan reviews will follow once the most urgent situations are resolved.
We kindly ask for your patience as we work through these tiers to care for everyone who needs us.
Please read on to find the specific next steps tailored to your situation e.g. Current Medicare Advantage Clients Who Received a Letter in the Mail from Care Compass, Current Medicare Advantage Clients Requesting a General Plan Review (No Letter), Clients with Medigap and Standalone Prescription Drug Plans (PDPs), and New Clients.
Important Reminders
No Phone/Text Scheduling: Please do not call or text the office to schedule appointments. All necessary scheduling details are provided below.
No Early Discussions: Federal regulations prohibit us from discussing any plan-specific information prior to October 1st, 2026.
Please be Patient: We are working to assist hundreds of clients who will be impacted by 2027 plan changes. We will actively communicate as much as we can, but we ask for your patience as we move through the review process. Rest assured, if you request a review, you will be taken care of!
Current Medicare Advantage Clients Who Received a Letter in the Mail from Care Compass
If you received a physical letter and paper forms from our office, it is likely that your plan will be impacted by a Service Area Reduction (SAR) / plan termination (watch Tara’s video for more info). It is imperative that we review your plan due to expected changes for 2027. Here’s what you need to do:
Return Forms ASAP: Complete and return both enclosed documents (the Scope of Appointment and 2027 Plan Review Update) no later than October 15, 2026.
Tailored Options: In most cases, Tara will email you tailored plan options with clear next steps. If email is not a workable option for you (for example, if you do not have an email address or have a complex situation that would be difficult to communicate via email), please complete the "Communication Needs" section on the back of your Plan Review Update form.
Deeper Discussions: If Tara determines a deeper discussion is necessary based on your submitted information, she will contact you directly to arrange a focused phone, virtual, or in-person conversation.
Note: Once we receive your documents, we will send you an email to confirm we have your information. After you receive that confirmation, please refrain from calling the office to check on the status of your review. Status-check phone calls slow down the process for everyone. We kindly ask for your patience as we work through our plan reviews!
Current Medicare Advantage Clients Requesting a General Plan Review (No Letter)
If you did not receive a letter in the mail, your current plan does not require immediate triage.
REVIEW YOUR ANOC FIRST: Please carefully read the Annual Notice of Change (ANOC) sent by your current insurance carrier. It should arrive at the beginning of October. If you are satisfied with your coverage and the upcoming changes, you do not necessarily need to change plans or request a review just because it is Open Enrollment. If you would like to keep your current plan, no action is needed. It will automatically roll into 2027.
Schedule Electronically (Preferred): If you would like to schedule a review, please complete our Electronic Plan Review Update Form. Electronic submission provides the fastest turnaround time. We will confirm that your information is received via email.
Paper Option: If you are unable to complete the form electronically, you may download and print the Plan Review Update and Scope of Appointment forms at the bottom of this page and return them by regular mail to: Care Compass, Webber Advisors Building, 1644 Plank Rd. Duncansville, PA 16635. PLEASE BE SURE TO RETURN BOTH FORMS. We will confirm when your packet arrives.
Tailored Options: In most cases, Tara will email you tailored plan options with clear next steps. If email is not a workable option for you (for example, if you do not have an email address or have a complex situation that would be difficult to communicate via email), please complete the "Communication Needs" section on your Plan Review Update form.
Deeper Discussions: If Tara determines a deeper discussion is necessary based on your submitted information, she will contact you directly to arrange a focused phone, virtual, or in-person conversation.
Note: Once we receive your documents, we will send you an email to confirm we have your information. After you receive that confirmation, please refrain from calling the office to check on the status of your review. Status-check phone calls slow down the process for everyone. We kindly ask for your patience as we work through our plan reviews!
Clients with Medigap and Standalone Prescription Drug Plans (PDPs)
Your Medicare Supplement (Medigap) policy is NOT affected by the Annual Enrollment Period, and no action is required for your Medigap coverage. However, the prescription drug plan (Part D) landscape continues to change. For 2027, the annual Part D out-of-pocket limit for covered prescription drugs will increase to $2,400.
Toward the end of October, we will again send a step-by-step video showing how to use Medicare.gov to check medications and a preferred pharmacy. This gives you a practical process to see whether anything important is changing, compare 2027 options, and decide if you should adjust your standalone Rx coverage before the December 7th deadline.
New Clients
We are thrilled for the opportunity to help you navigate your Medicare journey!
Schedule Electronically (Preferred): If you would like to schedule a review, please complete our Electronic Plan Review Update Form. Electronic submission provides the fastest turnaround time. We will confirm that your information is received and provide next steps.
Paper Option: If you are unable to complete the form electronically, you may download and print the Plan Review Update and Scope of Appointment forms at the bottom of this page and return them by regular mail to: Care Compass, Webber Advisors Building, 1644 Plank Rd. Duncansville, PA 16635. PLEASE BE SURE TO RETURN BOTH FORMS. We will confirm when your packet arrives and provide next steps.