Medicare's Annual Open Enrollment is fast approaching! Join HICAP's (Health Insurance Counseling and Advocacy Program) Linda Cardoza to
learn about upcoming changes to Medicare in 2026, and how those
changes may impact you. Know your options to ensure your healthcare
coverage best meets your needs. HICAP, a program of Council on Aging - Southern California, provides free, unbiased services and does not sell or endorse insurance products.

TERMS & CONDITIONS:

1. **Your well-being is our primary concern.** We ask and expect you to be able to participate safely in the activities, classes and programs you have chosen. By registering, you agree to release Laguna Beach Seniors, Inc. and its instructors from all possible liability that may arise from your participation.

2. **Registration is required** before participation in any class.

3. **Late registration is permitted** when a class series is active on our registration page. However, class fees are not pro-rated.

4. **Payment for any class fees is due upon registration.**

5. **Limited Refund Policy:** If a fee class is cancelled, you will automatically receive a full refund. There are no refunds if you miss a class or drop out. If case of error, forward your class registration by email to the Registrar with an explanation. All refunds are at the discretion of the Registrar and involve a service charge, except when a class is cancelled.

6. **Our code of conduct:** A successful Zoom event requires the good will of all involved. Instructors, at their sole discretion, can mute any Zoom participant who they deem is disruptive to the class.

Medicare: What's New in 2026