Medicare changed in 2026, and the pharmacy counter is where most people find out. Two thousand dollars before the medication is handed over, or a doctor who quietly left the network. None of that is your fault. The premium is the least useful number on the page, and the line items underneath it are where the money disappears.

Sandi Crawford has spent nearly twenty years as a licensed agent guiding seniors through this. You leave knowing what to ask and what to appeal.

────────────────────────────────────────── CONNECT WITH SANDI CRAWFORD 🌐 Website: otiumseniors.com 📸 Instagram: @otium.agency 📘 Facebook: The Otium Agency Inc ──────────────────────────────────────────

FREE UNBIASED MEDICARE HELP Medicare.gov 1-800-MEDICARE State Health Insurance Assistance Program (SHIP) counselors, free in every state

This conversation is for general information and is not insurance, financial, or medical advice. Please consult Medicare.gov, 1-800-MEDICARE, or a licensed advisor about your specific situation.

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