Before Medicare's Open Enrollment period begins on Oct. 15, the Illinois Department on Aging (IDoA) is encouraging beneficiaries to start browsing plans early and to get trusted advice through the state's Senior Health Insurance Program (SHIP).

“I want to express to people with Medicare Part D plans and or Medicare Advantage plans that it is necessary to check your current plan and the benefits offered for 2027. Some premiums (for Part D plans) have gone from $0 per month to $6--$23 per month,” said SHIP Director Sandy Leith. “It is good practice to make sure your prescriptions will still be on the formulary for next year’s plan or just shop around for a better Part D plan that may save you money next year. If you take your Medicare through a Medicare Advantage plan, check to see what the copays for health and drug benefits will cost you in 2027.  There are some plans that are not renewing for 2027; make sure to contact your plan if you received a letter of non-renewal.  There may be other options within the same company for you.”