What If I Am Already Enrolled in Medicare?

Many people think once they’ve enrolled in Medicare, their coverage is set for life. The truth is, Medicare plans change every year — and so might your health needs. That’s why reviewing your plan annually with a licensed Medicare agent can make a big difference in your costs, coverage, and overall satisfaction.

Can a Medicare Agent Help Me Review My Plan Each Year?
Yes. A Medicare agent’s role doesn’t end once you’ve enrolled. Agents are here to provide ongoing support, which includes:

• Reviewing your current plan and comparing it to new options.
• Making sure your doctors, hospitals, and specialists are still covered.
• Checking whether your prescriptions are still included at the best cost.
• Identifying changes in premiums, deductibles, or out-of-pocket limits.

According to Medicare.gov, plans can and do change each year — which is why annual review is recommended.
 
Why Should I Look at Plans Each Year?
Here are a few reasons why a yearly review is beneficial:

1. Coverage Changes: Insurance companies update networks, benefits, and drug formularies annually.
2. Cost Savings: Reviewing may uncover a lower-cost plan with equal or better coverage.
3. New Benefits: Many Medicare Advantage plans add or change perks such as dental, vision, hearing, transportation, or wellness programs.
4. Personal Needs: Your own health, prescriptions, or lifestyle may have changed, and your coverage should reflect that.
When Should You Review?

The best time to review your Medicare plan is during the Annual Enrollment Period year, Oct 15 – Dec 7.
During this time, you can:

• Switch from Original Medicare to a Medicare Advantage plan (or vice versa).
• Change your Medicare Advantage plan.
• Add or change a Part D prescription drug plan.

Final Thoughts
Even if you’re happy with your Medicare plan today, it may not be the best choice for you next year. A quick, no-cost review with us ensures you’re not missing out on better coverage or savings.