ANNUAL MEDICARE PLAN REVIEWS
Your Medicare Plan
Deserves a Fresh Look Every Year.
Your healthcare needs can change. Your Medicare plan can, too. Review your current coverage, understand upcoming changes, and compare available options to see whether your plan still fits your doctors, prescriptions, healthcare needs, and budget.
HOW WE HELP
A Little Review Today Can Help You Prepare for Tomorrow.
Medicare plans can change their costs, benefits, provider networks, and prescription coverage each year. An annual review helps you understand those changes and decide whether your current plan remains appropriate for the year ahead.
Review Plan Changes
Understand changes to premiums, deductibles, copayments, and covered services.
Check Your Providers
Find out whether your doctors, specialists, hospitals, and preferred pharmacies remain available under your plan.
Check Prescription Coverage
Review your medications, drug coverage rules, and pharmacy options for the coming year.
Compare Available Options
Evaluate plans based on your needs, expected healthcare costs, and personal preferences.
PERSONALIZED GUIDANCE
Is Your Current Medicare Plan Still Right for You?
A plan that worked well last year may not be the right fit for the year ahead. Perhaps your prescriptions have changed, your doctor has moved, your healthcare needs have increased, or your monthly budget looks different.
During a plan review, we help you examine the details that matter to your everyday healthcare.
- Review your plan's Annual Notice of Change and upcoming coverage details.
- Check monthly premiums, deductibles, copayments, and other potential costs.
- Review prescription coverage, medication restrictions, and pharmacy arrangements.
- Check provider networks and access to the doctors and facilities you prefer.
- Compare available alternatives before deciding whether to stay or make a change.
WHAT WE REVIEW
Look Beyond the Monthly Premium.
A plan with a lower monthly premium is not automatically the most affordable option for your situation. Consider how the full coverage works with your healthcare needs, prescriptions, preferred providers, and potential out-of-pocket expenses.
Your Total Healthcare Costs
Review premiums, deductibles, copayments, coinsurance, and applicable out-of-pocket limits to better understand what you may pay.
Your Prescriptions and Providers
Check medication coverage, pharmacy arrangements, provider networks, and any applicable coverage restrictions.
Changes for the Coming Year
Understand what your current plan is changing and whether other available options may better suit your circumstances.
HOW IT WORKS
Your Path to a More Informed Medicare Decision
A clear, personal process to help you understand your current coverage and explore your options for the year ahead.
Tell Us About You
We learn about your current plan, healthcare needs, prescriptions, preferred doctors, and any changes in your circumstances.
Review Your Current Plan
We look at your plan documents, upcoming changes, costs, coverage details, and the services that matter to you.
Compare Your Options
Where appropriate, we compare available alternatives and explain important differences in benefits, costs, providers, and prescriptions.
Decide With Confidence
Choose whether to keep your current coverage or make a change. If you decide to enroll in another plan, we can help you understand the next steps.
Doctors and Provider Networks
Check whether the doctors, specialists, hospitals, and other providers you rely on are included in a plan's network where applicable.
Costs and Plan Benefits
Compare the monthly premium alongside deductibles, copayments, coinsurance, out-of-pocket limits, and benefits relevant to you.
UNDERSTANDING YOUR COVERAGE
What Should You Check During Your Annual Medicare Review?
Your plan’s Annual Notice of Change (ANOC) is an important starting point. It outlines changes scheduled for the coming year. Your Evidence of Coverage (EOC) provides more detailed information about covered services, costs, and plan rules.
Use these documents alongside a review of your personal healthcare needs. Check whether your prescriptions are still covered, your providers remain available, and your expected costs make sense for your budget.
Remember, the plan with the lowest premium may not have the lowest overall cost for your particular situation.
When is the best time
to review your Medicare plan?
Medicare’s Annual Open Enrollment Period runs from October 15 through December 7 each year. During this period, eligible beneficiaries can review and change their Medicare Advantage or Part D prescription drug coverage, or switch between Original Medicare and Medicare Advantage. Changes made during this period generally take effect on January 1.
For the 2027 coverage year, beneficiaries can review available plan information and compare options before deciding whether to make a change.
Start making eligible changes to your Medicare health or drug coverage for 2027.
Your enrollment request must generally be received by the applicable deadline for changes during this period.
Changes made during Open Enrollment generally become effective for the new year.
MORE THAN AN ENROLLMENT
Don't Just Choose an Agent. Get an Advocate.
Medicare and Medicaid decisions can affect your access to care, prescription coverage, and healthcare expenses. You deserve time to understand your options and ask questions before making a decision. Lynn Roach focuses on education, personalized guidance, and helping you navigate Medicare choices with greater clarity.
Medicare plans can change their premiums, deductibles, copayments, covered prescriptions, provider networks, and benefits. Your own healthcare needs can also change. An annual review helps you determine whether your plan still fits your situation.
Some Medicaid-related programs, including Medicare Savings Programs, may help pay certain Medicare premiums. The assistance available depends on the program you qualify for.
The Annual Open Enrollment Period runs from October 15 through December 7 each year. Eligible beneficiaries can make certain changes to their Medicare health and prescription drug coverage during this time.
It’s a notice from your current plan explaining changes to coverage, costs, and other plan details for the upcoming year. Review it carefully and contact your plan if you don’t receive it.
No. If your current plan will continue to be offered and you’ve reviewed the upcoming changes and are satisfied it meets your needs, you can generally keep it. Reviewing your plan doesn’t mean you must switch.
Bring your current plan information, Annual Notice of Change, medication list with dosages, preferred pharmacy, doctors and specialists, and any questions about your healthcare needs or budget.
Not necessarily. Provider networks and drug formularies can change. Check the plan’s upcoming coverage information and verify your doctors, pharmacies, and medications for the new plan year.
Not automatically. Consider the premium alongside deductibles, copayments, coinsurance, prescription costs, provider access, and other coverage features that affect your needs.
Generally, yes. During the Annual Open Enrollment Period, you can switch from Medicare Advantage to Original Medicare. You may need a separate Part D plan for prescription coverage, and Medigap enrollment rights and availability may depend on your circumstances and state rules.
Your options depend on your circumstances. Certain Special Enrollment Periods or other enrollment opportunities may be available if you qualify, but not everyone can change plans whenever they wish.
If your plan remains available and you take no action, coverage generally renews automatically. Review your plan documents so you understand the new year’s benefits and costs.
