Insurance Plan Renewals: 10 Top Tips for Seniors

Insurance Plan Renewals

Insurance Plan Renewals for Seniors

Hello to all our seasoned citizens!

The Medicare ANNUAL ENROLLMENT PERIOD (AEP) is upon us once again. A time that may bring a mix of emotions: anticipation, confusion, or perhaps a sense of overwhelm. But don’t fret; this guide is designed to help you confidently navigate the waters of insurance plan renewals. Remember, knowledge is power, and I'm here to equip you with all you need.

1. For AEP Start Early, Stay Ahead

The early bird catches the worm, as the saying goes. By starting your renewal research early, you'll provide yourself ample time to weigh options, ask questions, and make informed decisions. This isn't a last-minute task. Make a timeline for yourself, set reminders, and use this period to your advantage.

2. Review Changes in Your Personal Health Needs

The last year might have brought some changes to your health or medical needs.

Perhaps you were prescribed new medications, underwent surgery, or had more frequent visits to a specialist. Keep these changes in mind. The plan that served you well last year might not be the best fit this year.

3. Understand New Drug Plan Offerings and Changes

Insurers often tweak the specifics of their plans, adding new benefits, removing some, or adjusting premiums and out-of-pocket costs. Ensure you thoroughly read any materials you receive from your current insurer detailing changes for the upcoming year.

4. Compare Drug Formularies

For many seniors, prescription drug coverage is a significant factor in choosing a health plan. Ensure that the medications you rely on are covered under your chosen plan. Also, keep an eye on the tier levels of your medicines, as this impacts your out-of-pocket costs.

5. Don't Hesitate to Seek Expert Advice

Navigating the maze of insurance can be daunting.

Insurance Plan Renewals

Remember, you're not alone in this journey. Consult insurance experts like Jessalyn Pito, a licensed insurance broker, and expert in senior healthcare options, if more convenient, attend You Insurance Maven local seminars,

6. Consider Any New Financial Assistance Options

With the changing economic landscape, you might be eligible for financial assistance that you weren't before. Research if you qualify for any subsidies or assistance programs that can reduce your health insurance costs.

7. Leverage Online Tools and Resources

Many online tools can help you compare plans based on factors specific to you, such as your general health, medications, preferred providers, and budget. Platforms like the Medicare Plan Finder can be a treasure trove of information.

8. Factor in Dental, Vision, and Other Additional Benefits

Holistic health includes more than just doctor visits or medications. Many plans offer additional benefits like dental, vision, hearing, or wellness programs.

Jessalyn Pito

If these are important to you, make sure they're part of your chosen plan.

9. Revisit and Review

Before finalizing your decision, take a moment to review all your selections. Ensure that your chosen plan aligns well with your health needs and financial considerations. It's always better to double-check than to face surprises later.

10. Keep Records

Once you've made your choice, keep a record of all related documents, confirmation numbers, and correspondence. This can be invaluable if any discrepancies or questions arise later in the year.

Your Insurance Maven is Here To Help

Insurance plan renewal during the Medicare ANNUAL ENROLLMENT PERIOD (AEP) can seem like a challenge. However, you can turn it into an opportunity with the right approach and guidance. An opportunity to ensure you have the best possible coverage to keep you healthy, active, and at your best in the year ahead.

Remember, you've navigated the twists and turns of life with grace and wisdom. With these tips and a bit of preparation, this insurance renewal will be just another smooth sail.

Questions? Concerns? Curiosities? Jessalyn Pito, Your Insurance Maven, is here to help. Reach out anytime, and let's ensure your health coverage fits just right.

Don't wait! Contact Jessalyn today to schedule your AEP review and ensure that your Medicare coverage is optimized for a healthier and happier future.

Remember, clients don't stress when they call Jess.

Reach out TODAY to Discuss Your Annual Enrollment Period (AEP) options:
Phone: 203-206-0848
Jessalyn Pito, Your Insurance Maven


Connecticare Aetna
Anthem Care Partners of Connecticut
Cigna Delta Dental
Humana United Healthcare

I do not offer every plan available in your area. Currently I represent 9 organizations which offer many products in your area.
Please contact or 1–800–MEDICARE, or your local State Health Insurance Program to get information on all your options.