How to Review Your Medicare Plan Before Open Enrollment

Sep 01 2025 16:00

Each year, Medicare’s Open Enrollment Period gives you the opportunity to make changes to your coverage — but before you decide to switch or stay, it’s worth taking time to review your current plan. Whether you’re in Cedar Hill, Dallas, or anywhere across Texas, a careful review ensures your plan still meets your healthcare needs and budget.

 

 

 

Why a Yearly Review Matters

 

 

Your healthcare situation can change, and so can your Medicare plan. Premiums, prescription drug formularies, provider networks, and coverage details often shift from one year to the next. If you don’t review your plan, you might miss out on better coverage or end up paying more than necessary.

 

At Safe Hands Insurance Services , we help Texans compare their current coverage against next year’s options — so you can feel confident your plan is still the right fit.

 

 

 

When to Start Your Review

 

 

Medicare’s Open Enrollment Period runs from October 15 to December 7 each year. You’ll receive your plan’s Annual Notice of Change in late September, which outlines any adjustments for the upcoming year. Use that notice as your cue to start reviewing your coverage early — before the rush of open enrollment begins.

 

 

 

What to Check When Reviewing Your Plan

 

 

A quick checklist can make your review process easier. Take a few minutes to consider the following:

 

  • Premiums and Deductibles: Are your costs changing next year?
  • Prescription Drug Coverage: Are your medications still covered, and at what tier?
  • Doctor and Hospital Networks: Are your preferred providers still included?
  • Out-of-Pocket Costs: Have your copays or maximums increased?
  • Extra Benefits: Are there new perks like dental, vision, or fitness programs you could take advantage of?

 

 

Even small changes can make a big difference in your overall satisfaction and spending.

 

 

 

How to Compare New Options

 

 

If you notice higher costs or reduced coverage, it may be time to explore new plans. In Texas, there are many Medicare Advantage and Medigap options available from top-rated carriers. Our team at Safe Hands Insurance Services helps you compare plans side-by-side — reviewing networks, costs, and benefits to find one that aligns with your personal goals.

 

Because we’re an independent agency , we aren’t tied to one company. That means our recommendations are focused solely on what’s best for you.

 

 

 

A Local Resource You Can Trust

 

 

Reviewing Medicare coverage can feel complicated, especially with dozens of plan choices across the Dallas–Fort Worth area. That’s why so many clients in Cedar Hill, Midlothian, and DeSoto rely on our team to simplify the process. We explain your options in plain language, answer your questions, and guide you every step of the way.

 

 

 

Ready to Review Your Medicare Plan?

 

 

Don’t wait until the last minute. Open Enrollment is the best time to ensure your plan still fits your needs — or to find one that does. Whether you’re reviewing a Medicare Advantage plan or exploring a Medigap supplement , Safe Hands Insurance Services is here to help.

 

Call today or schedule a free consultation to review your current Medicare plan before Open Enrollment ends.