In-Home Supportive Services

Medicare has been changing yearly and 2026 will be no exception. What is ahead for Medicare this fall and why?Carriers are still feeling the effects of the Inflation Reduction Act, which passed in 2022, but just took full effect in January of 2025. Beginning January 1, 2025, people with Part D plans through traditional Medicare and Medicare Advantage plans with prescription drug coverage, won't pay more than $2,000 over the calendar year in out-of-pocket costs for their prescription medications, the donut hole or coverage gap is eliminated and there is a new payment plan to spread drug costs through the year. Those changes came at a cost to other benefits. The Inflation Reduction Act significantly increased the carriers expenses and in response benefit cuts occurred for 2025 and will continue for 2026. Carriers had to absorb the steep cost increase for the mandatory prescription drug plan changes by balancing the budget, which included increases in beneficiaries copays, deductibles added to plans, the plan maximum out of pocket increased, non-medical benefits were reduced, a prescription drug deductible was added, and prescriptions were re-tiered or eliminated from the list of covered drugs. 2026 will see further adjustments as the carriers remove most benefits deemed non-medical. Seniors who have grown accustomed to benefits such as an over-the-counter allowance or food subsidy may see those benefits sharply reduced or eliminated this fall. Plans must be submitted to Centers for Medicare & Medicaid Services for approval in early spring to be ready for the enrollment period in fall to be active for the following calendar year, so carriers have had little time to study the impact of the Inflation Reduction Act on overall costs. Insurance moves slowly. The changes we are feeling in 2025 are the result of a bill passed in 2022 and will continue to affect plans in 2026. This fall will feel like a continuation of the benefit cuts seniors faced in the fall of 2024 as carriers work to balance the budget while considering the increased prescription costs and trying to maintain the plan benefits seniors rely on. For more information visit: aismedicareandmore.com Editors Note: This article was submitted by Jolynn Allen with AIS Medicare & More.  Jolynn is the owner of AIS Medicare & More and may be reached at:  719-404-3202

For 40 years, Sangre de Cristo Community Care has provided compassionate, expert support to patients and families facing chronic and serious illnesses. Now, we are proud to introduce our new Dementia Care Program, a groundbreaking initiative designed to enhance the quality of life for individuals living with dementia while providing much-needed support for their caregivers.This Medicare-approved program offers dedicated care navigators, 24/7 nurse support, caregiver training, and respite careall aimed at enabling individuals to remain in their homes and communities for as long as possible. With a mission deeply rooted in dignity and quality of life, our team ensures that both patients and caregivers receive personalized guidance and access to essential community resources.Available throughout Southern Colorado, this program is open to Medicare beneficiaries with a dementia diagnosis who are not in a nursing home or PACE program. Self-referrals and provider referrals are accepted.If you or a loved one could benefit from this program, please call 719-553-1919 to learn more. At Sangre de Cristo Community Care, we continue to expand our services with compassion, knowledge, and positivitybecause every moment matters.  Editors note: This article was submitted by Stephanie Ivankovich, Marketing Communications Manager for Sangre de Cristo Community Care, and many be reached at 719-542-0032 or by email at stephanie.ivankovich@sangre.org. 

It is the wish of all who enter the workforce to retire one day. Most of us do retire but at different ages depending on many factors. Some want to work for as long as possible and in some cases forget to review the benefits only available after the age of 65. It is here where mistakes are made if you do not do any research.The earliest you can retire is 62. If you are unable to work and are disabled prior to age 62 the Social Security Administration provides benefits that can support, you until retirement. Medicare is mandatory for all who are turning 65 to apply for benefits. The reason for this is that the Federal Government and the State Government share the load for healthcare and support for those retiring or disabled. If you do not become aware of these guidelines you could risk being penalized. This is usually a monetary penalty applied to your premiums once you finally get your benefits in place. Get the information you need today! Call us for an appointment.   Editors Note: This article was submitted by Jennifer L Erickson with AAA Medicaid Consulting. She may be reached at 719 459 2519