Already on Medicare? Let's Make Sure It's Still the Right Fit
Plans change every year — benefits, copays, formularies, networks. This 9-minute video covers what to check, when you can switch, and how a free annual review works (and why it might save you money).
What You'll Learn
If you've been on Medicare for a year or more, here's what's worth checking.
Why Plans Change Every Year
Benefits, copays, drug formularies, and provider networks shift annually. What was a great plan last year may not be the best fit this year.
Does Your Plan Still Fit?
How to check whether your current doctors are still in network, your medications are still on the formulary, and your costs are still competitive.
When You Can Switch
The Annual Enrollment Period (Oct 15 – Dec 7) is your main window. We'll cover special enrollment periods too.
Switching Between Paths
How moving from Advantage back to a Supplement works (and why it requires health underwriting).
What Annual Reviews Cover
We compare every plan in your zip code against your actual situation. We tell you if your plan is still the best — or if there's something better.
What to Do About the Gaps
Recovery care, hospital indemnity, dental/vision/hearing, critical illness — the layers most seniors miss until they need them.
Supplement vs. Advantage — Side by Side
If you're considering switching paths, here's an honest comparison.
Medicare Supplement (Medigap)
- Higher monthly premium ($100–$200+)
- See ANY doctor that accepts Medicare nationwide
- No referrals or prior authorization, ever
- Plan G: predictable costs after a $283/year deductible
- Standalone Part D required for drug coverage
- No dental, vision, or hearing — needs separate DVH plan
- Best for frequent care, travelers, and complex health needs
Medicare Advantage (Part C)
- Often $0 or very low premium
- Network-based — must use plan's doctors
- Referrals and prior authorization usually required
- Annual out-of-pocket maximum (caps your risk)
- Drug coverage usually included
- Often includes dental, vision, hearing, gym, OTC card
- Best for healthy seniors with low-cost care needs and tight budgets
Things to Check on Your Plan This Year
If any of these have changed, it's worth a free 15-minute review.
Are Your Doctors Still in Network?
Networks shift every year. A doctor who was in your plan last year may not be this year. Verify before your next appointment.
Are Your Medications Still Covered?
Drug formularies (the list of covered medications) change annually. A med that was Tier 1 last year might be Tier 3 — or not covered at all.
Are Your Copays the Same?
Plans can raise copays at the start of every year. Compare last year's "Annual Notice of Change" letter against this year's plan.
Have You Used Your Plan's Extras?
Many Advantage plans include dental, vision, hearing, OTC, gym, and transportation benefits. If you're not using them, you may want a different plan.
Is There a Better Plan in Your Zip Code?
New plans enter every year. Some carriers exit. We compare every plan available to you — for free — every fall.
Are You Protected Beyond Medicare?
Recovery care, hospital indemnity, cancer/critical illness, and final expense fill the gaps Medicare leaves. Most seniors are underprotected here.
Not sure which plan is right for you?
Book a free 45-minute call with a licensed Medicare specialist. We'll walk through your situation, compare plans side-by-side, and help you choose — with zero pressure.
Book a Free Consultation →