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📅🛡️ Medicare Open Enrollment Prep—Caregiver Edition (Scams to Avoid + Money-Savers)

Stuck in the Middle — Issue 217 — Thursday, September 25, 2025

👋 Welcome

If you’re caring for a parent while raising kids and working, this one’s for you. Medicare Open Enrollment (Oct 15–Dec 7) can save your family real money—but it also attracts scammers. Today: what to check, what to change, and what to avoid. If someone forwarded this to you, reply SUBSCRIBE and I’ll add you.

🧠 Big Thought: Treat Open Enrollment Like a 1-Hour Annual Tune-Up

Open Enrollment isn’t just for “switchers.” Even if you keep the same plan, a 60-minute review can prevent surprise costs next year (doctor networks, drug tiers, premium jumps). Caregivers: build this into your October calendar the way you’d schedule a dental cleaning—once a year, non-negotiable. Medicare’s rules allow everyone to review and change coverage Oct 15–Dec 7 with new choices effective Jan 1. Medicare+1

🧰 Money Moves (Step-by-Step, Copy/Paste This)

Goal: Get 2026 coverage right (with fewer headaches).

1. Collect the essentials (10 min).
   Put these on the table: current plan ID card(s), medication list/doses, preferred pharmacies, doctors/specialists, and any 2025 plan notices about 2026 changes.

2. Run the official Plan Finder (15–20 min).
   Compare total yearly costs (not just premiums) at:
   https://www.medicare.gov/plan-compare/ Medicare

3. Screen for savings programs (10 min).
   Check Extra Help (low-income subsidy) for drug costs and Medicare Savings Programs (help with Part A/B costs):
   Extra Help overview (Medicare): https://www.medicare.gov/basics/costs/help/drug-costs
   Apply for Extra Help (SSA): https://www.ssa.gov/medicare/part-d-extra-help Medicare+1

4. Book a free one-on-one review (10 min).
   SHIP counselors (not salespeople) can compare plans with you:
   SHIP home: https://www.shiphelp.org/
   Find your local office: https://www.shiphelp.org/about-medicare/regional-ship-location State Health Insurance Help+1

5. Lock your fraud shield (5 min).
   Add this to your phone: 1-800-MEDICARE (1-800-633-4227). If anyone calls you first asking for your Medicare/SSN, hang up and dial the number yourself. Consumer Advice

6. Decide by Dec 7.
   Changes submitted by Dec 7 take effect Jan 1. If you’re in a Medicare Advantage plan and regret your choice, there’s a separate Jan 1–Mar 31 window to switch or go back to Original Medicare. Medicare

🛠️ Tool of the Week: Medicare Plan Finder (Official)

Search by ZIP, plug in meds, see total annual cost estimates, and check in-network doctors/pharmacies.
https://www.medicare.gov/plan-compare/ Medicare

📰 Reads (all free, no paywalls)

1. Medicare: Your Yearly Medicare Review (PDF) — A one-pager on what to check, and when.
   https://www.medicare.gov/publications/11220-your-yearly-medicare-review.pdf Medicare

2. FTC: Avoid Scams During Medicare’s Open Enrollment — Red flags and how to report imposters.
   https://consumer.ftc.gov/consumer-alerts/2024/11/avoid-scams-during-medicares-open-enrollment-period Consumer Advice

3. Medicare: Understanding Enrollment Periods (PDF) — What you can change Oct 15–Dec 7 (and when changes start).
   https://www.medicare.gov/publications/11219-Understanding-Medicare-Advantage-Medicare-Drug-Plan-Enrollment-Periods.pdf Medicare

🤝 SKOOL COMMUNITY

Swap real-life checklists, ask questions, and get answers from people who get it.
https://www.skool.com/stuck-in-the-middle-community-1730/about?ref=4956bcfb588b4962b89c23002360ff83

💬 Connect With People Who Get It

Caregiving can feel isolating — and so can relationship stress.
Join our private Facebook group to talk to others who truly understand.

👉 https://www.facebook.com/groups/stuckinthemiddlenews

💸 TOOLS YOU CAN USE — $9.99 “What Can I Let Go Of?” Checklist

Free up time and headspace before Open Enrollment starts. Use these prompts to delegate, defer, or delete low-impact tasks.
https://briansacks.samcart.com/products/sandwich

💬 Reply & Engage Prompt

What’s your #1 Open Enrollment worry this year—drug costs, networks, switching plans, or scams? Hit reply and tell me which one, and I’ll tailor a mini-guide next issue.

↗️ Share the Relief

Know another caregiver who’s about to face Medicare plan chaos? Forward this issue so they can copy these steps.

P.S. Bonus

Reply SCRIPT and I’ll send you a copy-and-paste phone script to shut down pushy sales calls and verify plan info safely with Medicare.

✅ Link QA (public, free, no paywalls; full💬 Connect With People Who Get It

Caregiving can feel isolating — and so can relationship stress.
Join our private Facebook group to talk to others who truly understand.

👉 https://www.facebook.com/groups/stuckinthemiddlenews

THIS IS ONE OF THE MOST IMPORTANT BOOKS YOU CAN READ IF YOU ARE FRUSTRATED WITH A PARENT OR OLDER RELATIVE

grab a copy here https://amzn.to/3QIhlx7

If you are in this situation I think you will enjoy it!