Prepare for your policy review
Preparing for your Annual Enrollment Period (AEP) policy review can help you get the most out of your time with your Integrity Medicare specialist. Medicare plans, benefits, costs, and prescription coverage can change from year to year—and your healthcare needs may change too. Taking a few minutes to gather updated information and think about what has changed over the past year will help your agent review your current coverage and make sure you understand your options for the year ahead.
How to Prepare for Your Annual Policy Review
A little preparation can help you get the most out of your appointment. Before meeting with your Integrity Medicare specialist, consider the following:
- Gather your current insurance cards. Have your Medicare card and current Medicare Advantage, Medicare Supplement, and/or prescription drug plan cards available.
- Update your medication list. Bring a current list of prescriptions, including the medication name, dosage, frequency, and preferred pharmacy.
- Review your doctors and specialists. Let your agent know about any new doctors, specialists, hospitals, or healthcare facilities you use regularly.
- Think about what changed this year. New prescriptions, diagnoses, doctors, planned procedures, or changes in how often you receive care can affect what you need from your coverage.
- Bring your Annual Notice of Change (ANOC). If you have a Medicare Advantage or Part D plan, this document explains changes to your current plan for the upcoming year.
- Consider your travel and lifestyle. Tell your agent if you travel frequently, spend part of the year in another state, or have recently moved.
- Make a list of questions. Write down anything you've been wondering about—benefits, prescriptions, premiums, copays, networks, dental or vision coverage, or anything else you'd like your agent to explain.
- Don't focus on premium alone. Your agent can help you look at the bigger picture, including prescriptions, provider access, benefits, deductibles, copays, and potential overall costs.
- Share any problems you've experienced. If you've had trouble filling a prescription, seeing a provider, understanding a bill, or using a benefit, let your agent know.
- Don't assume you need to change plans. An annual review is an opportunity to make sure your current coverage still meets your needs—not necessarily a reason to switch.
Your annual policy review isn't just about finding a different plan. It's about making sure you understand your coverage and determining whether it continues to meet your needs for the year ahead.
