Medicare is not “set it and forget it.” Plans, provider networks, drug formularies, and costs can change each year—sometimes in ways that surprise people after they’ve already scheduled appointments or refilled prescriptions.
A quick annual Medicare checkup can help you avoid headaches, protect your budget, and make sure your coverage still matches your health needs.
Here are 7 smart moves to help you stay confident all year long.
1) Review your Annual Notice of Change (ANOC) and plan documents
If you’re enrolled in a Medicare Advantage plan or Part D drug plan, your plan sends an Annual Notice of Change (ANOC) and other updates. Even small wording changes can mean big coverage differences.
Pay extra attention to:
Monthly premium changes
Copays/coinsurance for specialist visits, imaging, ER, and hospital stays
Changes to your plan’s provider network
Prescription drug coverage (formulary updates)
2) Confirm your doctors and hospitals are still in-network
One of the most common “uh-oh” moments: someone goes to a doctor they’ve used for years… and finds out they’re no longer in-network.
Before your next appointment, confirm:
Your primary care provider (PCP) is still in-network
Your specialists are still in-network
The hospital you prefer is still in-network
(And yes—networks can change, even mid-year.)
3) Double-check your prescription drug coverage
Even if you haven’t changed medications, your plan might have changed how it covers them.
Do a quick review of:
Whether your medications are still on the formulary
Whether the tier changed (which can change your cost)
Any new prior authorization requirements
Quantity limits or step therapy rules
Preferred pharmacies (which can lower your cost)
4) Make sure your plan fits your lifestyle
Coverage isn’t just about doctors—it’s also about how you live.
Ask yourself:
Do you travel often or spend time in multiple states?
Are you considering a move this year?
Do you want a plan with broader flexibility?
Would you benefit from extras like dental/vision/hearing, fitness, or transportation?
Your “best” plan should match your real life, not just the brochure.
5) Understand your enrollment windows (so you don’t miss your chance)
Medicare has several enrollment periods, and timing matters.
Common windows include:
Annual Enrollment Period (AEP) (Fall)
Medicare Advantage Open Enrollment (early-year window for certain changes)
Special Enrollment Periods (SEP) after qualifying life events (moving, loss of coverage, etc.)
Medigap timing considerations (varies by situation and state rules)
A quick conversation can clarify what changes are possible and when.
6) Watch for cost changes you might not expect
Many Medicare costs are predictable, but a few can change based on circumstances.
Examples include:
Premium changes
Changes in copays or maximum out-of-pocket amounts (for Medicare Advantage)
Income-related adjustments (certain premiums can be affected by income level)
New medications or new specialists that shift spending
Planning early helps prevent “surprise bills” later.
7) Know when a second opinion on your coverage is worth it
If any of these apply, it’s worth reviewing your options:
You had new diagnoses or more frequent appointments
Your medications changed
Your doctor network changed
You plan to travel more
Your costs increased noticeably
You’re unsure whether Medicare Advantage, Supplement (Medigap), or Part D still fits best
A Medicare checkup doesn’t have to be complicated—often it’s a simple review that confirms you’re in a great spot (or reveals an upgrade).
Want a quick Medicare coverage checkup?
If you’d like help reviewing your current coverage and seeing whether anything has changed for you this year, I’m happy to help you compare options and understand your choices—clearly and without pressure.
Schedule a Medicare review today and let’s make sure your plan still works as hard as you do.
Quick disclaimer
This information is for educational purposes only and does not constitute legal or medical advice. Plan availability and benefits vary by carrier and service area. Not affiliated with or endorsed by Medicare or the U.S. government.