As Medicare Open Enrollment approaches, it’s time to consider whether your current plan is still the best fit. Every year, changes to plans can leave beneficiaries facing unexpected costs or limited coverage. What may have worked for you this year might not be the best choice for 2025.
From October 15 to December 7, Medicare beneficiaries have the opportunity to review their coverage, compare other options, and make changes to ensure they have a plan that meets their needs for the coming year. But with so many factors to consider, navigating the process can feel overwhelming. That’s where we come in.
At the Family Center for Health Care in Colby, our certified SHICK counselors (Senior Health Insurance Counseling for Kansas) offer free, personalized Medicare Part D counseling to help you evaluate your options and make an informed decision. Whether you’re looking to reduce costs, make sure your medications are still covered, or just want a second opinion, we’re here to help you every step of the way.
Why Reviewing Your Plan Matters
Many people assume that if they’re satisfied with their current plan, they can just let it renew automatically. However, plans often change their coverage, costs, and network of pharmacies and providers. Without an annual review, you could be facing higher out-of-pocket expenses or losing coverage for medications you need. Reviewing your plan now could help you save money and ensure that you’re fully covered when you need it most.
For example, the Annual Notice of Change (ANOC) that beneficiaries receive in the mail outlines what changes will be in effect starting January 1. But without comparing this to other available options, you may miss opportunities for better coverage.
During your consultation, our SHICK counselors will:
- Review your current plan’s coverage to see if your medications and pharmacy are still included.
- Compare your plan with others using the Medicare Plan Finder tool.
- Help you understand out-of-pocket costs, premiums, and deductibles for 2025.
- Identify potential savings and ensure you’re maximizing your benefits.
It’s a simple step that can make a significant difference.
Maximizing Your Benefits
One of the most common mistakes people make is staying in a plan that no longer suits their needs. If your health situation has changed, or if you’ve noticed changes in your out-of-pocket costs, it may be time to consider a different plan. Our counselors are trained to help you find the best option to maximize your benefits, whether it’s adjusting your drug coverage or selecting a plan with a preferred pharmacy in your network.
An Opportunity to Learn More
Understanding Medicare can be a challenge for anyone, which is why we’re offering a Medicare Basics Seminar on Wednesday, October 16, from 5:00 to 8:00 p.m. at the Pioneer Library. This free seminar is designed to give you a comprehensive overview of Medicare’s different parts, answer your questions, and help you feel confident in your coverage decisions.
Space is limited, so please call 785–460–1796 to reserve your seat.
Take the Next Step
Medicare Open Enrollment only comes around once a year, so now is the time to take action. Whether you’re considering making a change or just want peace of mind, a consultation with one of our SHICK counselors could save you money and help ensure you have the right plan for 2025.
To schedule your free consultation, call 785–462–6184. At the Family Center for Health Care, we’re here to guide you through the complexities of Medicare, so you can feel confident about your health coverage.