Serving the Midwest
Annual Insurance Plan Reviews
Insurance isn't set-and-forget. Once a year I sit down with you, review what you actually used, check what's changed with your plan, and confirm it's still the best fit - or shop for something better.
Who this is for
- Medicare beneficiaries during AEP (Oct 15 - Dec 7)
- ACA marketplace enrollees during Open Enrollment
- Anyone whose health, income, or prescriptions changed this year
- Clients who moved, got married, retired, or had a baby
What's covered
AEP Medicare review
Compare your current Medicare Advantage or Part D plan against next year's options with your medications in mind.
ACA renewal check
Verify subsidy eligibility, re-shop networks, and confirm your income estimate for the coming year.
Life-event updates
Marriage, new baby, divorce, retirement, moving states - each can change what coverage you need.
Carrier comparisons
Independent broker with access to 200+ carriers, so switching is easy when a better option exists.
How I help
- 1Pull up your current plan and compare next year's changes side by side.
- 2Recheck doctors, prescriptions, and preferred pharmacy against network and formulary changes.
- 3Recommend a switch only when the numbers genuinely warrant it.
- 4Handle enrollment paperwork so the transition is seamless.
Frequently asked questions
Why do I need an annual insurance review?
Plans change every year - premiums, drug formularies, provider networks, deductibles, and extra benefits all get adjusted. What was the best plan last year might not be the best plan this year.
When is the best time for a review?
For Medicare, during the Annual Enrollment Period (Oct 15 - Dec 7). For ACA plans, during Open Enrollment (Nov 1 - Jan 15). For life and supplemental coverage, any time works - especially after a life event.
Do I have to switch plans if we review?
No. Most years I confirm your current plan is still the best fit and we do nothing. Reviews are about making sure you're not overpaying or missing better coverage - never about switching for the sake of switching.
What does a review cost?
Nothing. Annual reviews are part of being your agent. Carriers pay me when you enroll, so ongoing service is included at no cost to you.