Yearly plan review
Last updated: April 2026
Every fall, plans send letters about what will change next year. If you start early, you are not deciding at the kitchen table on the last night of open enrollment. Work through the list below at your pace, then call us if you want a second set of eyes.
Your medications
- Add new prescriptions and dose changes to your written list.
- When your plan sends next year’s drug booklet, look up each drug for tier and rules, if you can.
- Jot down whether you use mail order or a favorite pharmacy.
Your doctors
- Check that your primary doctor and specialists are still in network for any plan you are thinking about.
- Note any surgery or specialist visits you already know about for the year ahead.
Benefits you really use
- Dental, vision, hearing, rides, over-the-counter items, or grocery help. Mark what you used this year so you remember at decision time.
- Read the Annual Notice of Change for any shift in your yearly out-of-pocket limit.
When you are ready to act
If your benefits or doctor list no longer fits, fall Annual Enrollment from October 15 to December 7 is when many people make a switch for January 1. A licensed agent can pull up real plans in your county. This web page does not pick a plan for you. For dates and windows, open our When can I enroll? checklist too.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer Medicare Advantage HMO, PPO, PFFS, and PDP plans in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY: 1-877-486-2048), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Prefer the phone? Call us at (347) 696-6757. We are happy to talk it through.
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By submitting this form, you consent to be contacted by a licensed insurance agent from SJM Insurance Services, LLC at the phone number you provided regarding Medicare Advantage, D-SNP, or other insurance options. You are under no obligation to enroll in any plan. Standard message and data rates may apply. Your information will not be shared with other marketing organizations without your explicit consent.
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