Premiums, drug lists, and networks can all shift every January — even if you never switch plans. Every fall, I sit down with my clients before Annual Enrollment ends and make sure what they have still fits. No cost, no obligation.
No. Most years, staying put is the right call. A review just makes sure that's actually true — rather than assuming it — since premiums, drug coverage, and networks can all shift without you doing anything.
What if I already got my renewal letter and it looks fine?
Renewal letters summarize changes, but they don't tell you what else is available or whether a different plan now fits better. I check both — what's changing in your current plan, and what your other options look like.
When should I schedule my review?
Anytime from early fall through December 7 works, but earlier is better — it gives us time to compare options and enroll before Annual Enrollment closes, without rushing.
What if my medications aren't covered next year?
This is one of the most common things a plan review catches. If your drug list changes, we look at whether staying, switching plans within your carrier, or switching carriers gets your medications covered again.
Does it cost anything to meet with you?
No. Consultations are free, with no obligation to switch. I'm paid by the insurance carriers, the same way every licensed agent is — it doesn't change your premium either way.
Let’s find your plan — together.
No call centers, no confusing forms. Just a real conversation with someone who knows Medicare and knows Richmond.
