Already on Medicare? Let’s Make Sure Your Plan Still Fits
Just because you’re enrolled in Medicare doesn’t mean your decision-making is done. Plans change. Formularies shift. Premiums increase. Doctors leave networks. If you’re already on Medicare but wondering whether your current coverage is still the best fit, this is the right place to start.
True North Associates helps Medicare beneficiaries review, compare, and adjust their coverage with clarity and confidence — without pressure.
Why Reviewing Your Medicare Plan Matters
Many people assume that once they choose a Medicare plan, they’re set for life. In reality, Medicare Advantage plans, Part D drug formularies, and even Supplement pricing can change year to year. A medication that was affordable last year may cost more this year. A provider network may shift. Your health needs may evolve.
An annual or periodic review helps you stay aligned with your doctors, prescriptions, and budget — instead of reacting after a surprise bill arrives.
When Should You Consider a Review?
You may benefit from a Medicare plan review if:
- Your prescriptions have changed
- Your doctor left your network
- Your premiums increased
- You received a confusing Annual Notice of Change (ANOC)
- You’re unhappy with co-pays or out-of-pocket costs
- You moved to a new county or state
- It’s simply been more than a year since you compared options
Even if nothing major has changed, it’s wise to check that your current plan still makes sense.
What We Review During Your Medicare Checkup
Doctor & Network Access
We confirm your preferred providers are still in-network (for Medicare Advantage) and discuss flexibility if you travel or split time between states.
Prescription Drug Coverage
We re-check your medications against current formularies to identify cost changes or better Part D options.
Total Cost, Not Just Premium
We evaluate premiums, deductibles, co-pays, and maximum out-of-pocket exposure — so you understand your true financial risk.
Plan Type Fit
If you’re on Medicare Advantage, we confirm it still fits your health usage patterns. If you’re on a Supplement, we review pricing stability and flexibility.
Independent, Education-First Guidance
As an independent Medicare adviser, True North Associates compares plans across multiple carriers — not just one. You’ll get a clear explanation of pros and cons before making any change.
Your Questions, Answered
Can I change my Medicare plan after I’ve enrolled?
Yes, but timing matters. Most changes happen during the Annual Enrollment Period each fall, though Special Enrollment Periods may apply in certain situations like moving. We help determine what windows apply to you. Making changes at the right time prevents penalties or coverage gaps.
Is it risky to switch Medicare plans?
Switching can be beneficial, but it depends on your plan type and health situation. For example, changing from Medicare Advantage to a Supplement may involve underwriting in many states. We explain the trade-offs clearly before any decision is made. The goal is informed movement — not unnecessary change.
How often should I review my Medicare coverage?
We recommend once per year — especially before or during Annual Enrollment. Drug formularies and plan benefits can change every January. Even if you stay put, reviewing ensures you’re not missing savings or better coverage.
What if I’m mostly satisfied with my plan?
That’s great — a review doesn’t mean you must switch. Many times, a quick check confirms you’re in a solid position. Peace of mind is valuable, and sometimes reassurance is the outcome.
Stay on Course With Your Medicare Coverage
Being proactive with Medicare is one of the smartest financial moves you can make in retirement. If you’re already enrolled but want clarity, reassurance, or better alignment with your current needs, let’s review your plan together.
