Answer:
yes — every year, without exception.
Plans change annually.
Premiums adjust.
Prescription coverage shifts.
Not checking doctor networks
Annual review prevents surprises.
Medicare plans are not static. Each year, insurance carriers can change premiums, adjust which medications are covered, shift drug tiers, add or remove providers from their networks, and alter out-of-pocket limits. A plan that worked well for you last year may cost you significantly more this year — even if nothing about your health has changed.
The Annual Enrollment Period (October 15 – December 7) exists specifically so that beneficiaries can review their options and make changes. Taking time to do this review — ideally with guidance — can prevent unexpected costs and coverage gaps.
What to Review Each year
Your plan’s Annual Notice of Change (ANOC) — mailed each September
Whether your doctors are still in-network
Whether your prescriptions are still covered at the same tier
Your total estimated out-of-pocket costs for the coming year
Whether any new plans in your area offer better coverage for your needsys
Our Role as Your Advocate
At The Advocate Group, our role is not to push one plan over another.
We take time to understand your situation, explain your options clearly, and help you compare plans so you can make a confident, informed decision.
Frequently Asked Questions
Do I have to review my Medicare plan every year?
You are not required to, but it is strongly recommended. Medicare plans change annually, and staying on the same plan without reviewing it can mean paying more for premiums, prescriptions, or out-of-pocket costs than necessary.
When is the best time to review my Medicare coverage?
The Annual Enrollment Period runs October 15 through December 7 each year. This is your window to compare plans and make changes that take effect January 1. You should also review if you experience a qualifying life event, such as moving or losing other coverage.
What happens if I don’t review my Medicare plan?
If you do nothing, you stay enrolled in your current plan with whatever changes the carrier has made. This could mean higher costs or reduced coverage without any notice beyond the Annual Notice of Change letter mailed each September.
At The Advocate Group, everything we do is built on three core principles.
Integrity
Education
Trust
We recommend what is best for you — not what pays the most. Transparency is non-negotiable.
An informed client is an empowered client. We make sure you understand your options so you can make confident decisions.
Healthcare and financial protection require vulnerability. We earn trust by showing up consistently, honestly, and reliably.
the Advocate Group experience
What Our Clients Say
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- janet m.
"Jason Avery has been such a great person to provide us information for our best Medicare plan. He takes the time to thoroughly review circumstances to advocate for his clients. He even came to our home to meet with us. Very thankful for his assistance!"
- clean s.
"Jason and his team are in the business of creating peace and calm. With SO many options in the healthcare industry, it’s overwhelming and difficult to navigate successfully. Jason guides his clients with confidence and genuine interest in their wellbeing."
- barbara w.
"Jason Avery is one of the best Medicare advisors! He directed me to products and services that were best suited to me and compared them to my current choices I had already made. I took his advice and I ended up having a good year of health & prescription provider care."
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