Medicare plans aren’t “set it and forget it” programs. Each year, plan benefits, premiums, prescription coverage, and provider networks can change. For Lehigh Valley residents, an annual Medicare review is one of the best ways to make sure your coverage still fits your healthcare needs and budget.
Even if you’re happy with your plan, reviewing it yearly can uncover savings, improve access to care, and give peace of mind.
Medicare Plans Can Change Every Year
Premiums, Deductibles, and Copays May Adjust
Insurance carriers can adjust costs annually. This includes:
-
Part B or Medicare Advantage premiums
-
Deductibles and copays
-
Prescription drug costs
A plan that was affordable last year may become more expensive in the next year—or you may discover a plan that offers better coverage for the same or lower cost.
Prescription Coverage Updates
Drug formularies can change yearly. A medication you take may:
-
Move to a higher tier
-
Require prior authorization
-
Be removed from coverage
Reviewing your plan ensures you avoid unexpected out-of-pocket costs and keeps your medications covered.
Provider Networks May Shift
Keep Your Doctors and Hospitals in Network
Medicare Advantage plans can update their provider networks each year. An annual review helps you ensure that your preferred doctors, specialists, and local hospitals in the Lehigh Valley—including Allentown, Bethlehem, and Easton—remain covered.
Avoid Surprises With Specialist Care
Even small network changes can require you to see a different provider or obtain new referrals. A review helps you identify these changes before they impact your care.
Extra Benefits May Change
Many Medicare Advantage plans include extras like dental, vision, hearing, or wellness benefits. These perks may be updated or removed each year. An annual review can help you understand which benefits are available to you in the coming year and which ones might be better served by another plan.
Local Expertise Matters
Guidance Tailored to Lehigh Valley Residents
A local Medicare advisor knows the available plans in your area, understands local provider networks, and can help you navigate your options. Whether you live in Allentown, Bethlehem, Easton, or elsewhere in the Lehigh Valley, having a local expert ensures your review is accurate and relevant.
Personalized Support and Peace of Mind
Annual plan reviews are not just about numbers—they’re about your health, your budget, and your comfort with your coverage. An advisor can:
-
Compare available plans side by side
-
Explain changes clearly
-
Identify savings opportunities
-
Provide one-on-one guidance
This support reduces stress and ensures you make confident, informed decisions.
When to Schedule Your Annual Medicare Review
Ideally, schedule your review before Medicare Open Enrollment begins (October 15 – December 7). Doing so allows you to:
-
Prepare early
-
Ask questions
-
Compare plans without pressure
-
Ensure your coverage is optimized for the coming year
Even outside Open Enrollment, annual reviews can help you plan for upcoming Special Enrollment Periods or changes in your healthcare needs.
Take Action Today
Annual Medicare plan reviews are a simple but powerful tool to protect your health and your finances. For Lehigh Valley residents, having a trusted local Medicare advisor can make the process straightforward and stress-free.