Provider networks
Doctors, hospitals, and other providers in a plan’s network may change.
2026 Medicare Annual Enrollment Period
Your Medicare Plan Can Change in 2027 — Even If You Do Nothing
Review your 2027 Medicare options with a local licensed insurance professional before December 7.
Serving Las Vegas, North Las Vegas, Henderson & Clark CountyAEP: October 15–December 7, 2026
Your 2027 coverage
Why review for 2027?
Your Annual Notice of Change (ANOC) can show updates that may affect how your coverage works next year.
Prescription coverage
Drug formularies, tiers, and preferred pharmacy networks may change.
Costs and copays
Premiums or givebacks, deductibles, copays, and maximum out-of-pocket limits may change.
Supplemental benefits
Dental, vision, hearing, OTC, food, and other supplemental benefits may change.
Meet Alex Cabrera-Heiring
Local Medicare guidance from a licensed insurance professional
At Universal Health & Life, we believe Medicare decisions should feel clear, personal, and supported. Alex Cabrera-Heiring helps individuals and families in the Las Vegas area review their options with care, attention, and local expertise.
Whether you are reviewing your current coverage, comparing options for 2027, or simply trying to understand what may change during AEP, our team is here to help.
- Local support in Las Vegas
- Medicare guidance in English and Spanish
- Personalized help reviewing your options
Request Your Medicare Review
What would you like to review?
Share a few details and a licensed insurance professional will follow up about your request.
Prefer to speak with someone?
(702) 838-5141A practical review
What to review before December 7
Bring your ANOC and consider the care, medications, and costs that matter to you.
Doctors and hospitals
Prescription drugs and tiers
Preferred pharmacy network
Premiums and deductibles
Specialist, hospital, imaging, and surgery copays
Maximum out-of-pocket limit
Dental, vision, hearing, OTC, and food benefits
Prior authorization and referral rules
Universal Health & Life
Las Vegas · North Las Vegas · Henderson · Clark County
Here in Southern Nevada
Local support for a careful review
Universal Health & Life can help you review available Medicare options with a local licensed insurance professional. The conversation can focus on your providers, prescriptions, preferred pharmacy, and estimated total annual costs.
A review is informational. UHL does not make eligibility decisions, and no particular outcome or savings is promised.
Important dates
2026 AEP timeline
Oct. 15
AEP begins
Compare 2027 options.
Dec. 7
Last day for AEP changes
Complete any AEP coverage changes by this date.
Jan. 1
New coverage generally begins
Coverage changes generally take effect January 1, 2027.
Support From a Local Team You Can Trust
A caring team ready to help you review your Medicare options
Universal Health & Life is proud to serve the Las Vegas community with personal support and a people-first approach. Our team is committed to helping you better understand your Medicare options, answer your questions, and guide you through the review process during the Annual Enrollment Period.
We know that Medicare choices can feel overwhelming. That is why we focus on making the process easier to understand and more comfortable for every person we serve.
- Local team serving Las Vegas and surrounding areas
- English and Spanish support
- Guidance during the Medicare Annual Enrollment Period
- Help reviewing coverage, costs, and plan changes