[TODO founder: rewrite this intro paragraph with the actual 2026 calendar dates, the tone you want for new and renewing beneficiaries alike, and a single hook — what was true in 2025 that is no longer true in 2026. ~80–120 words. Founder-editable.] [TODO founder: section 1 heading — e.g. "What the enrollment windows actually are"] [TODO founder: section 1, paragraph 1 — explain AEP (Oct 15 – Dec 7) and OEP (Jan 1 – Mar 31) in plain language, with the trade-off the beneficiary faces in each window. Founder-editable.] [TODO founder: section 1, paragraph 2 — Special Enrollment Periods: moving, losing employer coverage, qualifying for Extra Help. What counts as a trigger, what documentation is required, and the clock by which the application must be filed. Founder-editable.] [TODO founder: section 2 heading — e.g. "What you can change (and what you cannot)"] [TODO founder: section 2, paragraph 1 — during AEP you can join/switch/drop a Medicare Advantage plan, switch a Part D drug plan, or move between Original Medicare + a standalone Part D plan. Map the moves to the relevant CMS form numbers when possible. Founder-editable.] [TODO founder: section 2, paragraph 2 — during OEP the changes are narrower: Advantage -> Advantage, Advantage -> Original + Part D, or Original -> Advantage (with Part D bundled). The trap — using OEP to make a SECOND switch after AEP — and the rule that says you only get one OEP move per year. Founder-editable.] [TODO founder: section 3 heading — e.g. "What to check before you renew"] [TODO founder: section 3, paragraph 1 — the three concrete inputs a comparison stands or falls on: doctor list (names + clinics + hospital affiliations), prescription list (drug + dose + pharmacy preference), and the realistic budget for monthly premium plus unexpected mid-year use. Founder-editable.] [TODO founder: section 3, paragraph 2 — formulary lookup: why a plan that moved a single high-cost pill from Tier 3 to Tier 2 can swing total annual cost by hundreds of dollars, and the question to ask the carrier's rep before you sign. Founder-editable.] [TODO founder: section 3, paragraph 3 — provider directory drift: why the same network that worked in 2025 may have lost your doctor in 2026, and how to verify a directory rather than trust the "in-network" label on the carrier's marketing page. Founder-editable.] [TODO founder: section 4 heading — e.g. "When to ask for a second opinion"] [TODO founder: section 4, paragraph 1 — what a free consultation with an independent broker actually covers, and the three questions worth asking any agent — captive or independent — before you sign. Founder-editable.] [TODO founder: section 4, paragraph 2 — closing CTA: pull the founder's standard "Bring your current plan, your doctor list, your prescription list" framing and link into /quote?segment=medicare and /medicare as the natural next steps. Founder-editable.]