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Act Now! Review Your 2026 Prescription Drug Coverage!
Click here to review your Medicare Plan
Check out these prescription savings programs- THIS IS NOT INSURANCE
How the Part D Drug Program is changing...
Inflation Reduction Act (IRA) and Part D Coverage: Changes for 2026
Annual Cap on Drug Costs: A $2,100 limit on out-of-pocket expenses. This means that once your covered medications reach this threshold, your prescription drug expenses will be covered in full for the remainder of the year.
Closure of the Donut Hole: In 2025 the donut hole was eliminated. This remains for 2026.
Monthly Drug Cost Distribution: Spread your costs over 12 months for better budgeting. This new option provides flexibility for those who struggle to afford their monthly prescription drug expenses. This means if you get hit with a large payment in January you can spread your costs over a 12 month period.
But these changes may impact your Plans for 2026:
Increasing premiums: Many, but not all, carriers are raising premiums to offset the increased costs associated with the IRA's reforms. Your out of pockets costs are being reduced on Part D Covered Medications , and the insurance carriers are required by the IRA to pick up the costs identifed in the Inflation Reduction Act.
Lowering benefits/Plans ending: Some carriers in order to remain profitable are reducing benefits on Medicare Advantage Plans, such as decreasing the number of covered services or increasing co-pays. Some carriers are eliminating many Medicare Advanatge Plans throughout the United States.
Discontinuing commission payments: Certain carriers are eliminating commission payments to insurance agents, like Golden Years. By eliminating insurance agent commissions, this may lead to reduced service and support for beneficiaries.
Your current Medicare plan may be affected.
It's time to start preparing.
Compare and Enroll through Medicare.gov
Find the Perfect Medicare Plan & Enroll with Ease on Medicare.gov
Run your medication costs and self enroll in a Part Drug Plan through the government website
Self Enroll
Because of Inflation Reduction Act, some insurance carriers (see carriers below) are eliminating commission payments to insurance agents, which lead to less service and support during the annual enrollment period. But you can do-it-yourself!
Carrier
Enroll On-Line
Call the Carrier
2026 Part D Plans that are non-commissionable
Aetna- SilverScript Choice
Humana Basic
Wellcare Classic
WellCare Value Script
United Health Care AARP Preferred RX
United Health Care AARP Medicare RX Saver
Elevance/Anthem (ALL PLANS)
Horizon Medicare Blue RX Enhanced
Horizon Medicare Blue RX Standard
Humana Basic Rx Plan
But.. we are still here to HELP
We will help you navigate these changes and find the best plan for your needs.
Here's how we can assist you:
Review your current plan
We'll analyze your existing Part D coverage and continue to provide our expertise in identifying your best options.
Identify potential savings
We'll search for ways to save money on your premiums, copays, and coinsurance. If you have a Medicare Supplement Plan we can shop your rates to see if you are eligble to lower your premium.
Evaluate your options
Compare and contrast Medicare Advantage & Medicare Supplement options.
Provide Guidance
We'll offer expert advice on the best course of action based on your individual circumstances.
WHAT OUR CLIENTS SAY ABOUT US
Golden Years Design Benefits was able to find me the best supplement plan and prescription plan for the lowest cost to meet my requests. I highly recommend calling them when trying to decipher all the Medicare jargon. I am sure they will assist you with decidind what plans work best for you.
They were able to provide me with a better alternative for my prescription plan. They were responsive to my needs.
We have been dealing with Golden Years Design Benefits for many year now. Martin Picnic has been a very big help sorting out all the different choices out there. This year Martin explained all the new change for 2025 and how that would affect my wife and myself. We could never have figured it out ourselves. Thank you Martin for all your help.
Very efficient and helped me save money on Medicare Part D 3rd party plan. Thank you, Martin.
Towards the end of the Medicare Enrollment time, I called GYDB at the insistence of a friend. It was late in the afternoon, on the eve of Thanksgiving. I spoke with the owner personally. He took the time to address my needs to fulfillment. Although his family awaited him, he did not make me feel anything but a valued, unrushed customer. Thank you for reminding me of what professionalism and great American customer service looks like, Devin. 🇺🇲
Golden Years is a wonderful resource to help untangle the confusion of health care. Devin Rubin carefully reviewed my situation, prescriptions and health care needs and provided detailed information on how best for me to proceed. He is an expert in navigating the MediCare/Supplemental Insurance maze. I'm recommending Golden Years to all of my friends.
Your Licensed Medicare Insurance Broker:
55 Schanck Road Suite A-14
Freehold, NJ 07728
732-526-7659
We are not connected with or endorsed by the United States Government, Social Security, CMS, Health Insurance Marketplace, State Government, Local Government, SHIP, PACE, Veterans Administration, Medicaid, or Medicare. This is a solicitation for insurance and you may be contacted by a licensed insurance agent from your State of legal residence. By pressing submitting your RSVP (1) I consent to receive emails, telephone calls, ai voice calls, text messages, artificial or pre-recorded messages from Golden Years Design Benefits , regarding their products and services at the email address and telephone number provided, including my wireless phone number (if provided), utilizing an automated telephone dialing system and I understand that I am not required to grant this consent as a condition of purchasing and property, goods or services from the foregoing companies (2) I agree to this websites Privacy Policy and Terms of Use. This consent is provided even if the phone number appears on any local, state, or federal do not call list. We do not offer every plan 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 24 hours a day/7 days a week to get information on all your options. We are an independent insurance brokerage agency working with many private insurance companies that provide supplemental coverage to the Medicare program.
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