Medicare Annual Enrollment in Katy, TX (Oct 15 – Dec 7): What to Review
Published October 3, 2026 · By Joseph Stevens
Why review your plan every fall
Plans can change their networks, drug lists and costs every year. A plan that worked well this year may not next year — even if you didn't change anything. Your plan mails an Annual Notice of Change in late September that lists what's different.
A Katy-area review checklist
- Are your doctors still in network for next year?
- Are the hospitals you'd use — such as those along I-10 and the Grand Parkway — still covered?
- Are all your prescriptions on next year's drug list, and at what tier?
- Has your pharmacy changed network status?
- Do you expect any major health or travel changes next year?
What you can and can't change
During Annual Enrollment you can join, switch or drop a Medicare Advantage or Part D plan. Medicare Supplement (Medigap) plans work differently — outside your initial enrollment window, switching a Supplement may require answering health questions.
How we help
We're a local Katy agency. We compare plans available in your ZIP code against your doctors and prescriptions at no cost to you, and help you enroll before the December 7 deadline.
FAQs
When do Annual Enrollment changes take effect?
Changes made between October 15 and December 7 take effect January 1 of the following year.
What if I miss December 7?
Medicare Advantage members get another limited window from January 1 to March 31 to switch plans or return to Original Medicare. Other situations, like moving, may qualify you for a Special Enrollment Period.
Does a plan review cost anything?
No. Our Medicare reviews are free for Katy-area clients.
Need help applying this to your situation?
Free, no-pressure call with a licensed Texas agent.