Your Plan Is Changing for Next Year. Are Your Doctors Still In It?
Annual Notice of Change letters are arriving now, and they're easy to set aside. A licensed agent will go through yours with you, check your doctors and prescriptions against the plans we represent where you live, and tell you plainly whether staying put still makes sense. There's no cost for our help.
Wherever You Are With Medicare, Start Here
Most people look at their Medicare coverage once a year, if that. Going through it in detail is our job.
Turning 65 Soon
Your first enrollment window is only seven months long, and missing it can mean penalties that last for life. We'll help you get it right the first time.
Plan my first enrollment →Already on Medicare Advantage
Plans can change their networks, drug lists and costs every year. If you got an Annual Notice of Change letter, we'll read it with you.
Review my current plan →On Original Medicare
Original Medicare has no yearly cap on what you can spend. See whether a plan with an out-of-pocket limit and extra benefits fits your situation.
Compare my options →Helping a Parent
Sorting out Medicare for Mom or Dad? We can set up a call that includes both of you, so everyone hears the same answers.
Set up a family call →We Compare the Plans So You Can Decide
Comparing Medicare plans on your own means reading a lot of fine print. That's our job.
Tell us what matters to you
Your doctors, your prescriptions, your pharmacy, and what you can comfortably spend each month. A few minutes on the phone is usually enough.
We check it against the plans
Your agent compares the plans we represent in your ZIP code and shows you where each one comes out ahead or falls short for you.
You decide, on your timeline
If your current plan is still the right fit, we'll tell you. If something else is better, we'll handle the enrollment paperwork with you.
Come back every year.
Plans change each fall. We'll go through yours again before Annual Enrollment, at no cost, so your coverage keeps fitting your life.
Have These Handy
- A list of your doctors and specialists
- Your prescriptions, including the dose and how often you take them
- The name of the pharmacy you use
- Your Annual Notice of Change letter, if you're already on a plan
Don't have everything? That's fine. We can start with what you have.
You'll Talk With a Real, Licensed Person
Reach out and a licensed agent will give you a call to learn what you're looking for and go through the plans available where you live. We ask for your address so we can pull the right plans for your area. No script, no pressure, just a straight conversation about your options.
Take all the time you need. You decide if and when to enroll, and there's never a cost for talking it through.
What Is Medicare Advantage?
Medicare Advantage, also called Part C, lets you get your Medicare benefits through a private insurance company approved by Medicare instead of through Original Medicare directly.
One plan instead of several
Most plans combine hospital (Part A) and medical (Part B) coverage, and many include prescription drug coverage (Part D) too.
Extras Original Medicare doesn't cover
Depending on the plan and where you live, benefits may include dental, vision, hearing or fitness programs.
A yearly cap on your costs
Every Medicare Advantage plan has an annual out-of-pocket maximum for covered services. Original Medicare alone does not.
To join, you generally need to have Medicare Parts A and B and live in the plan's service area. Most people become eligible at 65; some qualify earlier because of a disability. Plans, benefits and rules vary by location and change each year.
When You Can Make Changes
Medicare only lets you change plans during certain windows. Here's what's coming up.
Annual Enrollment
Anyone with Medicare can join, switch or drop a Medicare Advantage plan. Changes start January 1.
Initial Enrollment
A seven-month window: three months before your birthday month, the month itself, and three months after.
Medicare Advantage Open Enrollment
Already on a Medicare Advantage plan? You get one chance to switch plans or return to Original Medicare.
Special Enrollment
Moving, losing other coverage and certain other life events can open a window outside the usual dates.
We Work With Multiple Carriers, Not Just One
Representing more than one company means we can compare your choices side by side instead of steering you toward a single plan.
Your agent will confirm exactly which of these plans are offered in your ZIP code before discussing any details.
Let's Make Sure Next Year's Plan Still Fits
Tell us how to reach you and where you live, and a licensed agent from Benefit Risk Advisors will follow up to set a time that works for you.
- Takes about a minute
- No cost and no obligation to enroll
- Your information goes only to Benefit Risk Advisors
Common Questions
Does it cost anything to work with you?
No. There is no charge to you for our help. Licensed agents are paid by the insurance companies they represent, and plan premiums are the same whether you enroll through an agent or on your own.
Can I keep my doctors?
That depends on the plan. It's the first thing we check. We'll look up your doctors in each plan's network for next year before we recommend anything.
Do you represent every Medicare plan?
No. We represent 3 organizations that offer 15 products in your area. We'll tell you which plans we can help with, and you can always compare every option at Medicare.gov or 1-800-MEDICARE.
What if my current plan is still the best fit?
Then we'll tell you, and you don't need to do anything. Many reviews end with "you're in good shape."
If I switch and don't like it, am I stuck?
Not necessarily. If you're on a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period from January 1 to March 31 lets you switch plans or return to Original Medicare once.
Is this website run by Medicare?
No. HealthOne Medicare is a service of Benefit Risk Advisors, a licensed insurance agency. We are not connected with or endorsed by the U.S. government or the federal Medicare program.