November 2025
A Note from Leadership
Welcome to the September edition of our newsletter! At Windermere Financial, we’re redefining the FMO experience by giving agents more than just carrier access — we’re delivering the tools, support, and resources you need to grow your business and better serve your clients.
This month, we’re focusing on the upcoming enrollment period, Medicare Advantage trends, and powerful tools available at your fingertips.
Industry Insights
Medicare Advantage Enrollment on the Rise
More than 54% of eligible Medicare beneficiaries — over 34 million people — are now enrolled in Medicare Advantage plans. That’s a massive increase from just 19% in 2007, and projections suggest enrollment could reach 64% by 2034. This growth presents new opportunities for agents to connect with clients who want flexible, comprehensive coverage options.
Agent Takeaway: Stay prepared for the upcoming enrollment period by brushing up on plan comparisons and leveraging our CRM to track leads efficiently.
Tools & Resources
At Windermere Financial, we put enterprise-class tools in every agent’s hands:
- Custom CRM – Stay on top of leads, track policy renewals, and streamline follow-ups.
- VoIP Phone System with Call Recording – Professional client communication made simple.
- Branded Websites – Establish your online presence without the hassle.
- Smart Automations – Save time and focus on what matters: closing deals.
Quick Tip: Use call recording to review and refine your client conversations.
AEP 2026 Updates
- Premiums & Deductibles Rising: Part B premiums up ~11.6%; Part D deductible capped at $615.
- Drug Costs: New $2,100 out-of-pocket max; vaccines remain free; insulin capped at $35/month.
- Payment Flexibility: The Medicare Prescription Payment Plan now renews automatically each year (opt-out available).
- Plan Docs: CMS updated ANOCs/EOCs to simplify cost-sharing and clarify coverage.
- Low-Income Members: Medicaid/LIS beneficiaries can now change plans monthly.
- Regulatory Watch: Senate pushing reforms to MA marketing and commissions—agents should stay alert.
Agent Tip: Be proactive—help clients compare rising costs, highlight vaccine/insulin savings, and educate dual-eligible clients on new monthly flexibility.
Closing Note
Every month brings new opportunities to grow your book of business and strengthen client relationships. With Windermere Financial’s tools and support, you’re never working alone — you’re backed by a team dedicated to helping you succeed.
Let’s make this enrollment season our strongest yet.
Windermere Financial, LLC
(800) 652-7922
support@windermerefinancial.com
www.windermerefinancial.com
