Your Medicare plan may have worked last year, but does it still fit your life today? Maybe your healthcare needs have shifted — you found a new doctor, started traveling more, or your prescriptions changed. That’s exactly why Medicare gives you a chance to evaluate your plan each year. It’s called the Annual Election Period, or AEP. It runs October 15 through December 7 and is your window to change your plan or keep things the same.
Here’s how to get started:
1. Begin by asking yourself the right questions. Think about what matters most to you right now:
- Has your health changed since last year?
- Are all your doctors still in your plan’s network?
- Are all your prescriptions covered?
- Do you need the freedom to see specialists without a referral?
- Are you happy with what you’re paying each month?
- Does your coverage travel with you if you leave Florida?
These questions will help you figure out what to look for in a new plan or confirm that your current one is still a good match.
2. Make lists of your doctors and prescriptions. The best way to compare plans is to have your information organized. Start by listing every doctor and hospital you want to keep having access to, then check if they’re in-network for the plans you’re considering. Next, write down every prescription you take — exact names and doses matter, since different plans cover different drugs and costs vary widely.
3. Be sure to read your ANOC. In late September, you received a document called your Annual Notice of Changes (ANOC). It outlines what’s shifting in your current plan for the new year — things like new premiums, changes to what’s covered, or updates to your network.
Don’t just toss it aside. Read it carefully. If you see something that doesn’t work for you anymore, that’s your signal to explore other plan options.
4. Think about the extras. Original Medicare doesn’t include dental, vision, or hearing. That can add up to hundreds or thousands of dollars out of your pocket if you need these services. Many Medicare Advantage plans include these benefits. Some also offer over-the-counter allowances (money you can use for things like toothpaste and aspirin), telehealth visits, or help with everyday tasks like meal prep or laundry.
If these extras matter to you, make sure you compare plans that offer them.
You’re not alone — call today for help
All of this may feel overwhelming, but here’s the good news: you don’t have to figure it out by yourself. Your local, licensed Florida Blue Medicare agent is ready to answer your questions, walk you through your options, and help you find a plan that fits you.
Get connected with an agent today at FloridaBlue.com/Medicare. While you’re there, explore our AEP checklist, plan comparison tools, and other resources to help you make the most of your Annual Election Period.
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