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Charmaine Okafor
Open enrollment runs October 15 through December 7 every year. During that window, you can switch your Part D plan — after that, you're locked in until next year (with some exceptions).
The three things to check
- Your formulary. Is your medication still covered? Plans drop drugs every year. Look up each one you take.
- Your preferred pharmacy. Some plans only give their lowest copay at specific pharmacies. If you want to stay with us, make sure we're on that list.
- Your deductible and copays. These change every year. A plan that was cheapest in 2025 may not be cheapest in 2026.
The thing to ignore
Ignore the marketing. Every brokerage will tell you they can save you money. Use Medicare.gov's Plan Finder — it's the only source that shows every plan fairly.
What we can do
Bring your current plan details to the counter. Charmaine will run your medication list through next year's options and tell you what's cheapest. No charge, no commission, no catch.