MEDICARE ELIGIBILITY PLANNING
Your Annual Medicare
Plan Review
Medicare plans change every single year. Premiums, networks, formularies, and benefits all shift on January 1. We proactively review every client's coverage every fall at no cost to you.
WHY THIS MATTERS EVERY YEAR
Your Plan Today May Not Be
Right Next Year
Medicare Advantage and Part D plans can change dramatically from one year to the next and those changes happen automatically on January 1 whether you're aware of them or not. Without a review, you might find yourself paying more for the same prescriptions, losing your doctor from the network, or missing a better plan that entered your market.
Our annual review service exists to make sure none of that happens to you and it costs you absolutely nothing.
What Changes Every January 1
⟶ Premiums: Your monthly plan premium can increase or decrease significantly
⟶ Drug formularies: Medications can move to higher cost tiers or be removed entirely
⟶ Provider networks: Doctors and hospitals can leave or join plan networks
⟶ Copays and coinsurance: Your cost-sharing for visits and procedures can shift
⟶ Maximum out-of-pocket: Your worst-case annual exposure can change
⟶ Extra benefits: Dental, vision, hearing, and OTC allowances can be added or removed
What We Do During Your Review
Every fall before AEP opens October 15, we reach out to every client proactively. We don't wait for you to call us.
⟶ Pull your plan's Annual Notice of Change and identify every change affecting you personally
⟶ Run your current medication list against every available plan to confirm lowest-cost option
⟶ Verify your physicians are still in-network under your current plan.
⟶ Compare every plan available in your zip code against your current plan
⟶ Confirm your extra benefits: dental, vision,and OTC are still included
⟶ Give you a clear recommendation to stay or switch and exactly why
We Contact You — You Don't Have to Remember
Most Medicare agents write a policy and move on. We maintain an ongoing relationship with every client and reach out every fall with a personal review of your specific coverage; not a generic newsletter, but an actual analysis of your plan and your situation.
COMMON QUESTIONS
Annual Plan Review FAQ
Do I have to do anything to get my annual review?
No, we reach out proactively every fall. You don't need to remember to call or schedule anything. We contact every client before AEP and walk you through your review.
Is the annual review really free?
Yes, completely free. Our services are always at no cost to you. We are compensated by carriers when we help you enroll. The annual review is simply part of the service we provide.
What if my plan is fine and I don't need to change?
That's a perfectly good outcome. If your current plan is still the right option we'll tell you to stay put and explain exactly why. The goal is the right plan, not a different plan.
What if I find a better plan during my review?
We walk you through the switch during AEP (Oct 15–Dec 7). The process is straightforward, we handle the paperwork, and your new plan takes effect January 1 with no gap in coverage.
Can I request a review outside of AEP?
Absolutely, call us anytime. We can review your coverage at any point and identify if you qualify for a Special Enrollment Period that would allow a mid-year change.
I enrolled through a different agent. Can you still review my plan?
Yes, we're happy to review your coverage even if you didn't originally enroll through us. If we find a better plan and you'd like to switch, we can help you do that during AEP. No obligation ever.