Graham Life Services

Did you know?
Even after Open Enrollment, there are still ways to make changes — in specific situations.

If your life changes, your plan can too.

Events like moving, losing other coverage, or qualifying for programs like Medicaid or Extra Help can trigger what’s called a Special Enrollment Period (SEP).

So if something unexpected comes up — you’re not stuck.
It’s always worth asking if an SEP applies.

And if you’re not sure? We’re happy to point you in the right direction.

Open Enrollment is officially over.
So what happens now?

If you made a change — great. If you didn’t — that’s okay too.
Either way, this is a good time to review what comes next.

👉 When will your new plan take effect?
👉 What should you expect in the mail?
👉 How can you make sure you’re using your benefits fully?

We’ll be sharing tips all month long to help you start the new year with clarity and confidence.

You made a decision — now let’s help you make the most of it.

The calendar resets in January — and so does your deductible.
It’s one of the most common surprises people face after picking a plan that seemed like a perfect fit.

Some Medicare Advantage and Part D drug plans come with front-loaded costs, which can feel like a shock after the holidays.

If you're unsure what your early 2026 out-of-pocket costs might be — you're not alone. This is the best time to review your coverage and avoid starting the new year on the wrong foot.

OEP ends December 7th. Let’s make sure your plan is set up for peace of mind.