Redstone Federal Credit Union

R E D S T O N E I N S U R A N C E S E RV I C E S Redstone Services Group SM , LLC (RSG) d/b/a Redstone Insurance Services is a subsidiary of RFCU. Insurance products are issued by third-party companies, are not RFCU deposits or products, and are not NCUA insured. RFCU does not warrant, guarantee, or insure any product or service offered by RSG. Plans are insured through third-party insurance companies or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan's contract renewal with Medicare. The insurance products may be offered by a dual employee who also sells insurance products on behalf of a third-party insurance company. RFCU and its affiliates are committed to fair, equitable and nondiscriminatory practices. For accommodations of persons with special needs at meetings call 256-722-8301 TTY 711 e average American who's 65 will spend more than $170,000 on health care and medical expenses during retirement. Medicare helps you manage these costs. If you're over age 65, it's important to understand the different parts and options available to ensure your medical needs are covered. Changes to Medicare are coming, and this list includes the ones that affect the greatest number of recipients. 1. Insulin costs for Medicare beneficiaries were capped in 2023, and this limit now applies annually. 2. Adult vaccines: Since 2023, Medicare beneficiaries have had access to some vaccines for free. Free vaccines are now permanently part of Medicare Part D plans. e list of free vaccines can change annually. 3. Prescriptions: In 2025, the Medicare Prescription Payment Plan (MPPP) allowed those with drug coverage to spread out prescription costs over the year, instead of paying in full at each pharmacy visit. In 2026, participants will be re-enrolled automatically the following year unless they opt out. 4. Medicare Advantage: e Centers for Medicare and Medicaid Services (CMS) decided on a list of non-allowable supplemental benefits under the Special Supplemental Benefits for the Chronically Ill (SSBCI) category. e items on this list do not have a reasonable expectation of improving or maintaining health. Examples include alcohol, tobacco, life insurance, and funeral expenses. 5. Cost increases: Medicare Part B and Part D premiums and other out-of- pocket costs usually go up every year; however, this year's increase is larger than usual. ere are several reasons for the increase. e number of people eligible for benefits has gone up, and so has the cost of care, but the Medicare tax rate, paid by people still working, is the same. Open enrollment is October 15 – December 7, and Medicare beneficiaries have an opportunity then to change their plan. Reviewing it is worthwhile. Costs, benefits, and providers can change. You may find options that fit you better and possibly save money. No action is needed if you're satisfied with your current options. Medicare can be complex, but Redstone can help you make sense of it! Whether you're nearing age 65 or looking to update your existing coverage, Redstone Insurance Services offers the support you need. Contact them at 256-722-8301. Top 5 Changes Coming to Medicare in 2026 8 | r e d f c u.o r g

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