AT&T Employees: Is It Time to Reevaluate Your Medicare Plan This Enrollment Season?

Healthcare Provider Update: Healthcare Provider for AT&T: AT&T collaborates with multiple healthcare providers to ensure its employees receive quality health coverage. One primary partner is UnitedHealthcare, which offers health plans tailored for AT&T employees. Potential Healthcare Cost Increases in 2026: As the landscape of healthcare evolves, AT&T employees may face significant challenges with rising healthcare costs in 2026. Experts anticipate a steep surge in premiums for Affordable Care Act (ACA) marketplace plans, with some states projecting increases exceeding 60%. This rise is largely attributed to the potential expiration of enhanced federal premium subsidies and soaring medical expenses. Without action from Congress to extend these subsidies, over 22 million enrollees may see their out-of-pocket costs increase by more than 75%, making it imperative for workers to prepare financially for the coming changes. Click here to learn more

'AT&T employees should recognize that thoughtful Medicare decisions during annual enrollment can help align health care needs with long-term retirement goals, and taking the time to reassess options is essential,' – Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.

'AT&T employees who take the time to review their Medicare options during annual enrollment can better align their health care choices with their personal retirement goals,' – Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

1. Key Medicare decisions that AT&T employees and retirees face during annual enrollment.

2. Common reasons to review and change Medicare plans.

3. How The Retirement Group can assist with Medicare and retirement planning.

Navigate Medicare Annual Enrollment with Confidence

From October 15 to December 7, Medicare’s Annual Enrollment Period (AEP) allows AT&T employees to enroll in, change, or discontinue Medicare Advantage (Part C) or Medicare Part D prescription drug plans. Any updates you make will take effect on January 1 of the following year.

Because Medicare plans may adjust provider networks, prescription drug lists, costs, and coverage every year, AT&T retirees should review their benefits during AEP.

Why Reviewing Your Medicare Plan Matters

You may hear recommendations from friends or see Medicare advertisements. What matters most is whether your plan:

• - Includes your preferred doctors, hospitals, and prescriptions

• - Fits your current health and financial needs

If your health situation has changed or costs have risen, it may be time to reassess your plan. AEP gives AT&T retirees the opportunity to make adjustments if you are no longer satisfied with your plan.

Common Reasons to Update Medicare Coverage

AT&T employees may consider changes if:

• - Your current plan has become too expensive

• - The plan does not support updated medical needs

• - Prescription drug costs have increased

• - Network doctors or specialists are hard to access

• - You want simpler coverage through a Medicare Advantage plan that may combine Parts A, B, and D

Review Annual Notices from Your Plan Provider

Each September, insurers send an Annual Notice of Change (ANOC) outlining updates for the coming year, including changes to costs, provider networks, or prescription coverage. If your plan becomes more restrictive or expensive, consider exploring alternatives during AEP.

Medicare Plan Options

Helpful Medicare Reminders

• - Medicare Part B covers many preventive services, including screenings, vaccines, and yearly wellness visits.

• - Part A covers medically necessary hospital stays, although deductibles and coinsurance may apply.

• - Provider-ordered lab tests are covered by Part B with no cost sharing; Medicare Advantage plans may have plan-specific rules.

• - Medigap changes may require medical underwriting unless you qualify for guaranteed issue rights.

  - Medicare provides individual coverage—there are no joint or family plans.

• - A lifetime Part D late enrollment penalty may apply if you go 63+ days without creditable prescription coverage.

• - If no action is taken during AEP, your current plan typically renews for the following year if it remains available.

Need Help Reviewing Your Options?

Making Medicare decisions each year is an important part of retirement planning for AT&T employees. Reviewing your plan can help determine if it still supports your health care needs and financial situation.

The Retirement Group can help you review your Medicare and retirement options. Call us at  (800) 900-5867  for assistance.

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Sources:

1. Medicare & You 2026. U.S. Department of Health & Human Services, 2025, pp. 62, 70–71, 79–81, 83–85. PDF file.

2. Pugh, Tony, et al.  “Medicare Open Enrollment: Compare Plans and Changes.”  AARP , updated 2025,  www.aarp.org/medicare/open-enrollment-action-plan/ .

3. Fidelity Viewpoints.  “Medicare Enrollment: Time to Change Plans?”  Fidelity Investments , 1 Oct. 2025,  www.fidelity.com/learning-center/personal-finance/retirement/medicare-enrollment-plans .

4. National Council on Aging (NCOA).  “ Understanding Medicare's Late Enrollment Penalties .”  National Council on Aging , 10 Apr. 2025.

5. Centers for Disease Control and Prevention (CDC).  “Adult Vaccination Insurance and Payment Resources.”  CDC , 9 Aug. 2024,  www.cdc.gov/vaccines-adults/hcp/adult-payment-insurance-resources/index.html .