Why Annual Medicare Reviews Matter
Regular Medicare plan reviews help ensure your coverage keeps up with your health, prescriptions, and budget. Each year, plans can change – and so can your needs – so taking time for an annual checkup can prevent surprises and keep your costs under control.
At Heart 2 Heart Senior Advisors, we offer no-cost annual Medicare plan reviews for Colorado seniors. Together, we look at how your current Medicare Advantage, Medigap, and Part D coverage is working so you can feel confident heading into the new year.
Your health can change
New diagnoses, treatments, or prescriptions can affect whether your current plan is still the best fit. An annual review checks that your doctors and medications are still covered in a way that makes sense for you.
Plans and costs can change
Medicare Advantage, Medigap, and Part D plans often update premiums, copays, deductibles, and extra benefits each year. Reviewing your plan helps you avoid unexpected costs and see if a different option may save you money.
Networks and access shift
Doctors and hospitals may join or leave plan networks, and pharmacies can move in or out of preferred status. We confirm that your preferred providers and pharmacies still work well with your coverage.
What We Review Together
During your annual Medicare review, Steven Sewald walks through the details of your coverage with you in a clear, patient way so you can see exactly how your plan is serving you today.
We start by confirming how your current Medicare plan is working for you: what you like, what concerns you, and any changes in your health, prescriptions, or budget. This conversation guides which options we focus on together.
Your review can include:
• Current plan benefits and coverage details
• Prescription drug lists and formularies
• Pharmacy choices and mail-order options
• Doctor and hospital networks
• Out-of-pocket costs and budget fit
• Extra benefits such as dental, vision, hearing, or fitness (when applicable)
When to Schedule Your Review
Timing your Medicare review correctly helps ensure you can make changes if you decide a different plan would serve you better.
Annual Enrollment Period (AEP)
For many people, the best time to review Medicare coverage is during the Annual Enrollment Period (AEP), typically each fall. During this window, most people on Medicare can change Medicare Advantage or Part D drug plans for the coming year. Meeting before or during AEP gives you time to look at options without feeling rushed.
Special Enrollment Periods (SEPs)
Some people may qualify for a Special Enrollment Period (SEP) based on certain life events, such as moving, changes in other coverage, or qualifying for certain types of assistance. If you think your situation has changed, Steven can help you understand whether a SEP may apply and what your options might be.
| Period | Typical Timing | What You May Be Able to Do |
|---|---|---|
| Annual Enrollment Period (AEP) | Occurs each year in the fall | Review and change Medicare Advantage and Part D drug plans for the next year. |
| Open Enrollment Period for MA | Early in the year | In some cases, switch from one Medicare Advantage plan to another or return to Original Medicare. |
| Special Enrollment Periods (SEPs) | Triggered by certain life events | May allow changes outside the standard windows if you qualify based on your situation. |
How an Annual Review Works
Your annual Medicare review is designed to be simple, relaxed, and focused on your questions.
Your annual review with Heart 2 Heart Senior Advisors is always a no-cost, no-pressure conversation. The goal is for you to fully understand your options so you can choose the coverage that feels right for you and your family.
Ongoing Relationship & Support
Your Medicare needs do not end after one meeting – and neither does our relationship with you.
Heart 2 Heart Senior Advisors is built on long-term relationships. Many clients meet with Steven year after year to review changes in their health, prescriptions, and coverage options, knowing they have a trusted guide to turn to.
Between annual reviews, you can reach out with questions about bills, coverage, or life changes that may affect your Medicare. When the next enrollment period comes around, you will already have a partner who understands your situation.
Book Your Annual Medicare Review
Whether you are a current client or considering working with Heart 2 Heart Senior Advisors for the first time, scheduling an annual Medicare review can bring clarity and peace of mind.
To request your annual review, you can call or text Steven directly or use the online contact form. During your review, you will receive information and guidance to help you make informed decisions about your Medicare coverage.
Heart 2 Heart Senior Advisors and Steven Sewald are not connected with or endorsed by the U.S. government or the federal Medicare program.