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Answer a few questions to see if your plan still fits.
Answer a few questions to see if your plan still fits.
A plan that fit last fall may not fit this one. Nothing about you has to change for that to be true.
Advantage and Part D plans are approved one plan year at a time. Each fall your plan mails an Annual Notice of Change. Inside it are next year's copays, drug tiers, and network. Three things move most often.
If you do nothing, most plans renew you automatically. That is the quiet risk. You end up in next year's version of the plan, not the one you shopped for.
Check each one against the plan's current directory before the window closes. A directory can lag reality, so call the office too.
Price your new list across plans again. One specialty drug can change which plan makes sense.
Compare this notice to last fall's. Sometimes the plan changed, and sometimes your use of care did.
Here is the honest part. Many people should keep what they have. A review that ends in no change is still worth doing. You now know your plan still covers your doctors and your drugs.
A common mistake is starting with the premium. It is the smallest and most visible number, so it pulls all the attention. What usually moves your total for the year is one drug on a bad tier, or one specialist left out of network.
Set a reminder for early October. The notice arrives before the window opens, which gives you a few weeks to read it without pressure. People who start in December have fewer real choices left.
Plan availability and benefits vary by plan and area, and they change each plan year. A licensed agent can compare your options at no cost to you. Check official plan details at medicare.gov or call 1-800-MEDICARE.
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