December is the month when paperwork choices ripple into next year’s medical access and costs. If you receive Social Security Disability Insurance and are on Medicare, or will be eligible soon, Open Enrollment is your chance to make sure the plan you use on January 1 fits your medications, specialists, and budget. Because plan formularies and networks change every year, standing still can be as risky as making the wrong choice. Here is how to check your options, avoid common pitfalls, and protect your SSDI case from unintended consequences.
Start With Your Medications And Doctors
Begin by making a fresh list of your daily medications, including exact names, dosages, and the pharmacies you prefer. For each plan you are considering, check whether those drugs are covered, what tier they fall into, and whether prior authorization or step therapy is required. A plan that looks inexpensive on the premium can become costly if your key medication moves to a higher tier. Next, verify that your specialists and hospitals remain in-network for 2026. This is especially important for Bostonians receiving care at large systems such as MGB, BIDMC, or BMC; a slight network shift can mean longer travel time, fewer appointment options, or delays in procedures.
Massachusetts Social Security Disability Lawyers Blog

