Medicare 2026: What’s Changing and Why You Need to Review Your Plan Now
Every year, Medicare changes, and these updates can directly impact your doctors, prescriptions, premiums, and out-of-pocket costs. Yet many Idaho seniors don’t realize how much a single overlooked change can impact their health coverage or wallet. The 2026 changes are significant.
In this episode of the Senior Matters Podcast, estate planning attorney Mark E. Wight talks with Medicare specialist Chad McDonald about the important updates for Medicare in 2026 and why it’s critical to review your plan during the Annual Enrollment Period (October 15 – December 7). Together, they explore how to make confident, informed decisions that protect your health and financial security in the coming year.
From rising Part B deductibles and carrier exits in Idaho, to shifting formularies and new Medicare Advantage options, Chad and Mark explain how these changes could affect you even if you’ve had the same plan for years. They discuss the key differences between Medicare Supplement (Medigap) plans and Medicare Advantage plans, the pros and cons of each, and why what worked last year might not be the best fit today.
You’ll also learn how Idaho’s Birthday Rule allows beneficiaries to switch Supplement plans without underwriting, and how working with a licensed Medicare agent can make the process simple, and it’s completely free for seniors.
Don’t let automatic renewals or confusing plan options catch you off guard. Take time this fall to connect with your Medicare representative, review your current coverage, and ensure your plan still fits your health needs and budget.
🎧 Listen now to stay ahead of Medicare’s 2026 changes and start the year with confidence. https://idahoestateplanning.com/podcast/medicare-2026-whats-changing-and-why-you-need-to-review-your-plan-now/
Meet Our Guest Speaker, Chad McDonald-Medicare Specialist of CRM Group, LLC
Chad has been the founder and owner of CRM Group since 2016. Chad graduated with an Associate’s Degree in Electricity from Salt Lake Community College and then went on to earn his Bachelor of Science degree in Electronics Engineering Technology from DeVry Institute of Technology in Phoenix, AZ. Chad worked as an Electronics Engineer for over 20 years, but due to downsizing in 2008, Chad changed career paths and started in the insurance industry. Chad spent the next 8 years working in the insurance industry for a few different companies. Chad then formed CRM Group, which primarily focuses on Medicare, along with all other insurances. Chad was the only member of CRM Group in 2016 and has now expanded the company to 30 agents working throughout the U.S.
Chad was born and raised in Moab, Utah, where he met his wife Rauni, and they have been married for 39 years! Chad grew up hunting, fishing, dirt biking, skiing, golfing, and playing sports. Chad still loves everything outdoors and spending time with his wife, kids, and grandkids.
