Is Your Medicare Plan Still Working for You?
A doctor who dropped out of network. A prescription that suddenly costs more. A premium that crept up while your coverage shrank. If your plan changed on you, the Annual Enrollment Period is your window to fix it — but only through December 7.
Free Plan Review
Tell us what changed. We'll show you what else is available.
Is Your Plan Still Working for You?
Plans change every year, even when you don't touch your enrollment. Here are the three most common reasons a plan that used to work stops working — and what to do about each one.
Your doctor left the network
Did your doctor, specialist, or hospital drop out of your plan's network this year?
Insurers renegotiate provider contracts every year, and networks can shrink or shift with little notice. A doctor who was in-network in January isn't guaranteed to stay in-network the next year.
What to do: Ask us to check which local plans still include your current doctors before you're stuck paying out-of-network rates or starting over with someone new.
A medication isn't covered like before
Did one of your prescriptions get dropped from the formulary, or move to a more expensive tier?
Every Part D and Medicare Advantage formulary is rebuilt annually. A drug that was a low-cost generic tier last year can move to a higher tier, require new prior authorization, or disappear from the list entirely.
What to do: We'll compare formularies across plans available in your area so your medications are covered at a tier you can afford.
Your costs went up for less coverage
Did your monthly premium, copays, or out-of-pocket maximum increase — or did a benefit you relied on quietly disappear?
Plans are allowed to change premiums, cost-sharing, and extra benefits (like dental or over-the-counter allowances) each year. Many people don't notice until a bill or the Annual Notice of Change arrives.
What to do: A quick side-by-side review shows whether a different plan gives you more coverage for less money in the coming year.
Recognize one of these?
You don't have to keep a plan just because you've had it for years. A free review takes one call, and if nothing better is available, staying put is a perfectly fine outcome too.
Why Now Is the Time to Fix It
Annual Enrollment Period
October 15 – December 7
This is the one window every year where you can freely switch Medicare Advantage or Part D plans for any reason — network changes, drug coverage, or cost — with the new plan taking effect January 1. Miss it, and you may have to wait months or qualify for a special exception.
Your Annual Notice of Change
Mailed every September
Every plan is required to mail an Annual Notice of Change (ANOC) before AEP starts, listing next year's network, formulary, and cost updates. Most people never read the whole thing — that's exactly where these changes hide. Bring yours to your free review and we'll walk through it with you.
Plan Change Questions, Answered
What Florida seniors ask us most when their coverage stops working the way it used to.
Medicare Advantage and Part D plans are approved by CMS on an annual basis. Each fall, insurers file updated provider networks, drug formularies, and pricing for the following year. Even if you never touch your enrollment, the plan itself can look very different on January 1 than it did the year before — which is why it's worth reviewing your coverage every Annual Enrollment Period, not just when something first goes wrong.
You can stay on your current plan and pay out-of-network rates (or find a new in-network doctor), or you can switch to a plan during the Annual Enrollment Period (October 15 – December 7) that includes your doctor. We check provider directories for the plans available in your area before you commit to a change.
Yes. A change in your drug coverage is one of the most common reasons people switch Medicare Advantage or Part D plans during AEP. We review formularies from multiple carriers side by side so you can see which plan covers your specific medications at the lowest tier available.
As long as you act before December 7, you can still switch Medicare Advantage or Part D plans for coverage starting January 1. If you miss the deadline, you'll generally need to wait for the Medicare Advantage Open Enrollment Period (January 1 – March 31) or qualify for a Special Enrollment Period, so it's best not to wait until the last week.
It depends on your situation. If cost, network access, or drug coverage on your current Medicare Advantage plan is the problem, you may want to compare other Advantage plans or look at Medicare Supplement (Medigap) coverage instead, which lets you see any Medicare-accepting doctor. In Florida, Medigap uses issue-age rating, but moving from Advantage to Medigap outside a guaranteed-issue window usually involves medical underwriting, so it's worth reviewing your options with a licensed agent first.
No. A plan review with our licensed agents is free with no obligation to enroll. We'll walk through what changed on your current plan, show you what else is available in your area, and let you decide.
Comparing your options in more depth? See our Prescription Drug Plan guide or read about switching from Medicare Advantage to Medigap.