2027 Annual Enrollment · October 15 – December 7, 2026
Did your Medicare plan change for 2027?
Plans mailed their Annual Notice of Change in September. If your premium, your drug list or your doctors changed, a short, free check with Toby Ferguson, an independent agent in Ontario, will tell you whether your coverage still fits. Annual Enrollment ends December 7.
No cost, and no obligation to change plans. If your coverage still fits, Toby will tell you.
Toby Ferguson
Independent Life & Medicare Agent · CA license 0C11736 · Serving clients since 2012
Based in Ontario. Helping neighbors in Upland, Montclair, Chino, Chino Hills, Rancho Cucamonga, Fontana, Pomona and nearby Inland Empire communities.
Get to know Toby →Prefer a call back?
Leave your name, number and ZIP code. Toby will call you to arrange a free, no-obligation review.
A conversation, at your pace
A little preparation. A clearer path forward.
Tell Toby what changed
A new premium, a prescription that moved tiers, a doctor who left the network—or simply questions about next year. Start with what matters to you.
Look at the full picture
At your review, discuss available options, provider networks, prescription coverage and costs beyond the monthly premium.
Decide with confidence
Understand your next steps, whether that means keeping your coverage or applying for a suitable available plan during an eligible enrollment period.
Planning for 2027 coverage
October 15–December 7, 2026
Medicare Annual Enrollment is the time to review and change Medicare Advantage or Part D coverage. Changes generally take effect January 1, 2027.
An appointment request does not enroll you or meet the enrollment deadline. The plan must receive your enrollment request by December 7.
Enrollment dates at Medicare.gov ↗Have these ready for your appointment
- Your current coverage information
- Your Annual Notice of Change, if you received one
- A list of the doctors, prescriptions and pharmacies you want to discuss
- Your questions about costs and coverage
Keep these details for your appointment. Ask Toby how to share sensitive information safely.
Before we talk
A few questions you may have.
Toby comes to you for in-home appointments, or meets by phone and video across California, Nevada and Arizona.
Do I have to change my plan?
No. A review helps you understand whether your coverage still meets your needs. Keeping suitable coverage can be the right outcome.
What is an Annual Notice of Change?
Each fall, Medicare Advantage and Part D plans mail a notice of what will change on January 1: premiums, copays, the drug list and the provider network. It is the quickest way to see whether your plan still fits, and a good thing to have in hand when you call.
Does this review include every Medicare plan?
No. Toby represents a selection of insurers and plans. Available options depend on your location and circumstances, and he can explain what he represents during your conversation.
Is this the right place if I’m turning 65?
You’re welcome to ask here, but our turning-65 page focuses on first enrollment and employer-coverage timing. You do not need to wait for Annual Enrollment to ask about becoming eligible for Medicare.