Annual checkup guide
A Medicare coverage review checklist you can use every year
A short, organized review can catch a formulary change, network issue, or cost shift before the new plan year begins. It can also confirm that no change is needed.
Serving Mississippi by phone and online, with local in-person help in the Delta.
Gather the current documents
Use the plan's Annual Notice of Change, Evidence of Coverage, and current insurance cards. Bring a current medication list and do not rely on last year's pharmacy printout.
- Annual Notice of Change
- Current plan cards
- Medication names, dosages, and frequency
- Preferred pharmacies
List the providers that matter
Include primary care, specialists, hospitals, and any recurring outpatient facility. Confirm network status for the next plan year with both the plan and provider.
- Primary care physician
- Specialists
- Hospital and outpatient facilities
- Durable medical equipment providers
Compare total cost and access
Premium is only one part of the comparison. Review copays, coinsurance, deductibles, annual maximums, drug costs, referrals, prior authorization, and out-of-area needs.
- Monthly premiums
- Expected medical cost sharing
- Annual prescription estimate
- Maximum out-of-pocket exposure
Document the decision
Write down why you kept or changed coverage and save the confirmation. If you enroll, review the effective date and watch for the new card. Contact the plan promptly if enrollment information is wrong.
Related help
Frequently asked questions
Select a question to see the answer.
Should I review coverage even if I like my plan?
Yes. Plans and personal needs can change. The review may confirm that keeping the plan is still appropriate.
Do I need my Medicare number for the first conversation?
Not for an initial review. Do not send it through the website.
Are provider directories always current?
Directories can lag. Confirm with both the plan and provider.
Your next step
Tell me what you’re trying to sort out.
Start with the basics. I’ll use what you send to call you back and set a time to talk. No pressure and no obligation to enroll.
Prefer to call?
(662) 339-3532
Weekdays, 8:30 a.m.–4:00 p.m. Central