Changes to Part D Support-FAQ – HTA Insurance Services

Changes to Part D Support at HTA

Recent industry-wide changes to Medicare Part D plans have updated how agents are permitted to support clients.

To remain compliant, HTA has adjusted its process while continuing to provide clients with guidance and support throughout the decision-making process.

This FAQ outlines what’s changing, what’s not, and how we continue to support clients moving forward.

Frequently Asked Questions

Why is this change happening?

Due to the implementation of the Inflation Reduction Act, insurance carriers have taken on increased financial responsibility for Part D plans.

In response, carriers across the industry have restructured their relationships with agents. As a result, agents are no longer permitted to recommend specific Part D plans, assist with enrollment, or provide ongoing service, and compensation for these plans has been eliminated.

This is an industry-wide change, not specific to HTA.

To remain compliant, HTA has updated its process while continuing to support clients throughout the decision-making process.
When does this take effect?

This change takes effect on April 13, 2026, and applies to all new client onboardings from that date forward. For clients who are currently mid-process, we will continue supporting them as we have been, while also ensuring they are set up with the appropriate tools on Medicare.gov for future use.
What is actually changing for clients?

Clients will now complete their own Part D plan comparison and enrollment through Medicare.gov.

HTA no longer collects medication lists, recommends specific Part D plans, or completes enrollment on behalf of clients. Instead, we provide a structured process to guide clients through these steps on their own.
Does this affect Medicare Supplement or Advantage plans?
How does this affect my clients' overall experience with HTA?

The relationship and level of service remain the same. HTA continues to guide clients through every aspect of their Medicare journey.

Part D enrollment is now one step clients complete themselves—but with a clear process, tools, and advisor support to ensure they feel confident in their decisions.
How does HTA help clients choose a Part D plan now?
HTA provides a step-by-step Part D Selection Guide (video + PDF) that walks clients through:

Entering medications into Medicare.gov

Comparing plans based on cost and coverage

Selecting the plan that best fits their needs

Completing enrollment

Clients complete this process independently, using the guide as their roadmap.
What happens during the enrollment appointment?
During the enrollment appointment, our advisors will:

Review the client’s Medicare.gov inputs

Answer questions about plan structure and costs

Provide guidance so the client feels confident

The client then completes their Part D enrollment directly through Medicare.gov.
How will HTA support clients with existing Part D plans during Annual Enrollment Period (AEP)?
HTA continues to actively support clients with existing Part D coverage during AEP.

We:

Keep clients informed on key changes in the Part D landscape

Communicate any major updates that may impact their current plan

Provide step-by-step videos and guides to help them review plan options on Medicare.gov

Offer 15 minute Consultations if necessary, on a first come, first serve basis.
Can we pay HTA to continue providing personal assistance with Part D plans?

No. CMS (Centers for Medicare & Medicaid Services) regulations prohibit licensed insurance producers from receiving outside compensation.

This means HTA cannot accept payment to provide individualized plan recommendations or enrollment assistance for Part D, regardless of the source.

We have structured our process to remain fully compliant while still offering guidance, education, and support so clients can confidently complete their own Part D plan selection and enrollment.

Changes to Part D Support at HTA

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