As the summer days continue to pass, it’s not just pumpkin spice season around the corner — it’s also Medicare Annual Enrollment season. From October 15 to December 7, Medicare beneficiaries have the opportunity to make important changes to their health coverage. But the truth is, waiting until October to start thinking about your Medicare options can leave you rushed, overwhelmed, or stuck with a plan that no longer fits your needs.
That’s why August is the perfect time to get ahead and review your Medicare coverage with confidence. Whether you’re already on a Medicare Advantage plan, a Supplement, or Original Medicare with Part D, this checklist will help you prepare for a smooth and informed enrollment.
✅ 1. Review Your Current Medicare Plan
Take a good look at what you currently have—Is it a Medicare Advantage (Part C), a Medicare Supplement (Medigap), or Original Medicare with a Part D plan?
Ask yourself:
- Have my health needs changed this year?
- Are my current doctors still in network?
- Am I happy with the copays and benefits?
✅ 2. Make a List of Your Current Medications
Drug coverage changes every year. Even if you love your current plan, the formulary (list of covered medications) may change in 2026.
Make a list of:
- All your current prescriptions
- Dosage and frequency
- Preferred pharmacy
Together, we can then compare drug plans and estimate your total annual cost—not just the premium, but your copays and deductibles, too.
✅ 3. Evaluate Your Budget
Some plans offer low premiums but higher out-of-pocket costs. Others are more predictable but carry a monthly premium.
Ask:
- Am I paying too much out-of-pocket at the doctor or pharmacy?
- Would I benefit from a plan with more benefits like dental, vision, or gym memberships?
✅ 4. Talk with a Licensed Agent
This step can make all the difference. Medicare isn’t one-size-fits-all. A local, licensed advisor like me will:
- Review your doctors and medications
- Help compare Advantage and Supplement options
- Simplify the process and answer all your questions
I’m licensed in California, Arizona, and over 20 other states—and I love helping clients make informed choices that fit their life.
✅ 5. Set a Reminder for October 15
If changes need to be made, that’s your window. But by doing your homework in August, you’ll walk into the Annual Enrollment Period with clarity, not confusion.
Let’s make this your healthiest year yet. Medicare is a powerful tool when used wisely—and preparation is key. Need help reviewing your plan? Reach out today and let’s make sure you’re on the path to thriving after 65.
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