I Already Have Medicare. Am I on the Right Plan?
Module 5 turns Medicare review into a simple yearly maintenance habit. The goal is to catch plan changes, drug changes, network changes, and income changes before Open Enrollment ends.
Plans change every year. Your life changes too. Review before the window closes.
Module 5 turns Medicare review into a simple yearly maintenance habit. The goal is to catch plan changes, drug changes, network changes, and income changes before Open Enrollment ends.
This module is designed to make the next decision simpler. Watch the lesson, use the handout, then bring the details into a conversation with Rich before a deadline or plan change creates a surprise.
The annual review should check what changed
- Current prescriptions and formulary placement
- Doctor and specialist network status
- Annual Notice of Change updates
- Premiums, copays, and out-of-pocket exposure
- Health, travel, income, and benefit usage changes
Where people get caught off guard
- →Ignoring the Annual Notice of Change letter
- →Assuming doctors and drugs are still covered the same way
- →Missing Open Enrollment and waiting until January to notice a problem
- →Paying for benefits that sounded good but never get used
Reviewing is not starting over
An annual Medicare review does not mean something is wrong. It is routine maintenance, like checking insurance, taxes, or investments once a year.
The checklist helps clients spot whether they are good, need to look closer, or have a problem that should be fixed during Open Enrollment.
Download the Annual Review ChecklistFAQ
When is Medicare Open Enrollment?
October 15 through December 7 each year. Changes usually take effect January 1.
What is the Annual Notice of Change?
It is the letter plans send in September showing what will change next year, including costs, coverage, networks, and benefits.
Do I need to change plans every year?
No. The goal is not to change for the sake of changing. The goal is to verify that the current plan still fits.
Use the handout, then make the decision with context.
The point is not to memorize Medicare rules. The point is to know what to check, what could cost you money, and when to ask for help before a deadline closes.