
Every fall, it’s easy to focus on doctor visits and flu shots—but your Medicare plan deserves a checkup, too. Just like your annual physical helps you stay healthy, reviewing your coverage each year can protect your wallet and your peace of mind.
The Annual Enrollment Period (AEP) runs from October 15 through December 7, and it’s your once-a-year opportunity to make sure your plan still fits your life. Maybe your prescriptions changed, your doctor joined or left a network, or your plan’s costs or benefits have shifted. Even small updates can have a big impact in the year ahead.
At Headwaters Health & Wealth, our Medicare reviews are always free, with no obligation, just honest guidance from a local team that knows the plans, the carriers, and the changes coming for 2026. We’ll compare your current plan against other options to ensure you’re not missing out on benefits or paying more than necessary.
This is also the time of year when many drug plans adjust formularies or cost-sharing, so reviewing your prescriptions now can help prevent unpleasant surprises at the pharmacy come January.
Think of it as your coverage checkup – no co-pay, no waiting room, and no confusion. Just clear answers from people you can trust.
To schedule your free Medicare review, call Headwaters Health & Wealth or join one of our in-person or virtual Medicare education sessions. You’ll head into the new year confident your plan is working for you.
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We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area.Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options.


The holiday season is upon us. A time to express appreciation for the people, experiences, and opportunities that enrich our lives. As we take a moment to give thanks and celebrate with our families and our communities – let’s not forget the uniquely valuable small, local businesses that are at the heart of our communities.
In today’s fast-paced world, shopping has never been more convenient with online giants and big-box stores offering rapid delivery and low prices. But, unlike mass retailers, small businesses and local shop owners offer personal relationships, leading to better service and customized recommendations. Whether it’s a handmade candle or boutique clothing, these businesses offer a personal touch that can’t be replicated.
The holiday season is a crucial time for small businesses. Events like “Small Business Saturday” remind us to support the shops that keep our communities vibrant. But it’s important to continue that support throughout the year to ensure these businesses thrive.
This holiday season, when shopping for a gift, a service, or just a little treat for yourself, consider visiting our local businesses first. Every purchase makes a meaningful difference, helping build a stronger, more connected community for everyone.
Happy Thanksgiving,
Dawa