As we enter the final 5 days of AEP, clients are busy, distracted, and often waiting until the last minute to make decisions. Proactive agent outreach now prevents coverage gaps, reduces 2026 costs, and reinforces your value as the trusted advisor.
Today is your reminder to reconnect, re-evaluate, and re-enroll Medicare clients and prospects before AEP ends on December 7. In these final days, Agility believes Medicare agents must communicate the following items.
Key Medicare Costs Agents Need to Be Ready to Explain
2026 Medicare Part B Premium
- Monthly Premium: $202.90
- Annual Deductible: $283
2025 Medicare Part B if reviewing existing-year bills
- Monthly Premium: $185.00
- Annual Deductible: $257
Medicare Part A Cost-Shares
- Premium: Most beneficiaries continue to receive premium-free Part A
- 2026 Hospital Inpatient Deductible: $1,632 per benefit period
- 2025 Hospital Inpatient Deductible: $1,632 per benefit period (unchanged)
Medicare Part D
- Premiums vary by plan.
- Current national average stand-alone Part D premium: ~$46.50/ month
- The 2026 Medicare Part D deductible is $615, up from $590 for 2025
- Copays and coinsurance vary widely by tier, pharmacy, and plan design.
Final AEP Talking Points for Client Outreach
- “These are the last 5 days to make changes. After December 7, you may be locked in for all of 2026 unless you qualify for an SEP.”
- “Part B premiums and deductibles are changing for 2026, so let’s make sure you know what these new costs are.”
- “Your prescriptions may price out differently in 2026. Let me run a quick comparison to ensure you’re not overpaying.”
- “Even if you’re happy with your current coverage, plans update their benefits every year. Let’s confirm you still have the most cost-effective option.”
- “If you’re using more specialists or have new medications, we should re-evaluate whether your plan is still the best fit.”
Where Agents Should Focus This Week
High-Utilization Clients and Prospects
Those with chronic conditions, multiple medications, or frequent specialist visits gain the most from a review.
High-Premium Clients and Prospects
Any agent should re-evaluate anyone paying a Part D monthly premium above the average before year-end.
Duals and Low-Income Clients
Confirm LIS levels, DSNP availability, and ensure they’re in the right plan to deliver the benefits they need.
MAPD Clients Whose Plans Are Changing Benefits
These clients often overlook ANOCs, so be the agent that saves them hundreds of dollars with simple guidance.
Call Your Book
Data consistently shows year after year that agents who proactively contact their book in the final days of AEP drive the most switches, recover clients they thought were “locked in,” and build long-term loyalty. Even one quick call can:
- Clarify plan changes
- Uncover new drug needs
- Identify cost-savings opportunities
- Catch network or formulary shifts before they hurt the client.
The Agility Advantage
Agility delivers insights like this to help you stay ahead in the evolving Medicare market, offering regional market support and dedicated resources for agents and new agents to use instantly.
- Contact Scott Meeks at 706-534-1763 for Medicare coverage options.
- Chris Gaston offers guidance on ancillary and supplemental products.
- Reach Producer Support at (866) 590-9771 or support@enrollinsurance.com for any insurance questions, answers, and weekly email tips.
Let Agility help you grow and adapt this AEP and throughout 2026.
