Your Medicare Coverage Isn't "Set It and Forget It"
Why an annual review matters more than you might think.
Life changes. Health changes. And the plans available to you can change from year to year, too. That's why Medicare builds in a structured window each fall to review and adjust your coverage.
It's called the Annual Election Period (AEP), and it runs October 15 through December 7.
What You Can Do During AEP
During this window, you can:
Switch Medicare Advantage plans
Change your Part D (prescription drug) coverage
Move between Original Medicare and Medicare Advantage
Any changes you make take effect January 1 of the following year.
Why Review Even If Nothing Seems to Have Changed?
Plans can shift without much fanfare. From one year to the next:
Premiums may increase
Drug formularies (the list of covered medications) may change
Your providers may leave a plan's network
Your own health needs or travel patterns may have shifted
A plan that fit well last year may not be the best fit this year.
What to Look at During a Review
Think of it as an annual check-up for your coverage. A TruLync advisor will go through:
Total cost: premiums, deductibles, copays
Prescriptions: Are your medications still covered at the same tier?
Doctors: Are your providers still in-network?
Extra benefits: Dental, vision, wellness programs — do they still apply to you?
A Small Step With a Real Payoff
A 20-minute review can catch a premium increase you didn't expect, a medication that's no longer covered, or a better-fitting plan you didn't know existed. AEP is your annual opportunity to make sure your coverage is still working for you.
By calling 800-477-0764, you agree to speak with an independent health insurance agent about Medicare insurance products. We are not affiliated with Medicare or any government agency. We do not offer every plan available in your area. Currently we represent 8 organizations which offer 61 products. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options. This is an advertisement.
