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Is Your Medicare Plan Still the Right Fit?
Plans change every year. So do your needs. A complimentary plan review can help you understand whether your current coverage still makes sense — and what your options are.
Your Plan May Have Changed — Even If You Didn't
Medicare plans are not set-it-and-forget-it. Each year, insurance carriers can adjust premiums, copays, deductibles, provider networks, and the list of covered medications. A plan that worked well last year may look different this year.
Your own circumstances can change too — a new diagnosis, a different doctor, a medication that's no longer covered, or a move to a new area. Any of these can affect whether your current plan is still the right fit.
A plan review isn't about switching. It's about making sure you understand what you have, what's changed, and what your options are — so you can make an informed decision.
Why Plans Deserve a Second Look
Six Things That Can Change Without Warning
Costs can change year to year
Premiums, copays, and deductibles are set annually by each carrier. Your out-of-pocket costs may be different this year than when you first enrolled.
Provider networks shift
Doctors and hospitals can enter or leave a plan's network. If your physician is no longer in-network, your costs — or your access — may be affected.
Drug formularies are updated
The list of covered medications (the formulary) can change each year. A drug that was covered at a low cost-share may move to a higher tier or be removed entirely.
Your health needs may have changed
A new prescription, a specialist you now see regularly, or a change in your health status can all affect which plan structure works best for you.
You may have moved
Medicare Advantage plans are regional. If you've relocated — even within the same state — your current plan may no longer be available or may have different coverage in your new area.
New plan options may be available
Carriers add and modify plans each year. Options that weren't available when you first enrolled may now be worth considering.
When Does a Review Make Sense?
There's no wrong time to ask questions about your coverage. That said, a few situations make a review especially worthwhile.
- You received your Annual Notice of Change and noticed differences in costs or coverage
- Your doctor, specialist, or hospital is no longer in your plan's network
- A medication you take regularly changed tiers or was removed from your formulary
- You've been diagnosed with a new condition or your health needs have changed
- You've moved to a new area
- You're approaching the Annual Enrollment Period (October 15 – December 7) and want to understand your options before it opens
- You're simply not sure whether your current plan is still the best fit
What Happens During a Plan Review?
A plan review is a conversation — not a sales pitch. We'll take time to understand your current coverage, your doctors, your medications, and any concerns you have.
From there, we can walk through what your plan covers, what it costs, and how it compares to other available options. We represent multiple carriers, so we're not limited to one company's plans.
We won't tell you that switching will save you money or improve your benefits — we don't know that until we look at your specific situation. What we can do is give you the information you need to make a confident, informed decision.
Request a Complimentary Plan Review
There's no cost, no obligation, and no pressure. Just a straightforward conversation about your coverage and your options.
- No cost to you
- No obligation to change plans
- Independent — we represent multiple carriers
The Motte Agency is a licensed, independent insurance agency. We are not affiliated with Medicare, the Centers for Medicare & Medicaid Services (CMS), Social Security, or any government agency. Plan availability varies by location. This content is for informational purposes only and does not constitute insurance advice.