Plans change. Rates change. Your health needs change. We review ALL your plans every year to make sure you still have the best coverage at the best price.
No obligation. No cost. Every year.
Your information is never sold or shared.
Why It Matters
Medicare plans, drug formularies, provider networks, and premium rates change every year. What was the best plan last year might not be the best plan this year.
Insurance carriers adjust benefits, drop providers from networks, change prescription formularies, and raise premiums — often without you realizing it. An annual review ensures you are never caught off guard and always have the most competitive coverage available.
Carriers update their networks, adjust copays, and modify covered services every plan year. Your doctors and hospitals may no longer be in-network.
New medications, changing dosages, and evolving health conditions mean your plan may no longer cover what you need at the best price.
Carriers enter and exit markets every year. A better plan with lower premiums or richer benefits may now be available where you live.
Rate increases happen quietly. Without comparing your current plan against alternatives, you may be paying more than necessary for the same or lesser coverage.
Complete Coverage Review
We do not just look at your Medicare plan. We review every policy you purchased through us to make sure you have the best rates and coverage across the board.
We compare your current rates against all available carriers. Medigap rates vary significantly — same coverage, different price. We find the best deal.
Networks, benefits, copays, and extra perks change annually. We check that your doctors are still in-network and your benefits still meet your needs.
Drug formularies and tier placements shift every year. We verify your medications are still covered and your pharmacy is still preferred.
We review your benefit amounts and rates to make sure your critical illness coverage remains competitive and adequate for your needs.
We check your DVH coverage adequacy and rates to ensure you are getting the preventive and routine care benefits you need without overpaying.
Hospital stays are costly even with Medicare. We review your benefit levels and costs to make sure your indemnity coverage provides meaningful protection.
We review your life insurance coverage adequacy and premiums to ensure your family is protected at the right level without unnecessary cost.
Simple Process
Four simple steps to make sure you always have the best coverage at the best price.
Call us or book online. We will set up a convenient time to review all of your current plans together.
We gather your existing coverage information — every plan you have through us — so we have the full picture before we start.
We shop every carrier and plan available in your area to see if there is a better option for your needs, health, and budget.
If we find a better option, you choose whether to switch. If your current plan is still the best fit, we tell you that too. No pressure either way.
The Plans Plus Difference
We are an independent brokerage — we work for you, not the insurance companies. That means honest, unbiased advice every time.
As an independent broker, our loyalty is to you. We do not push any particular carrier — we recommend whatever plan is genuinely best for your situation.
We are licensed with all major insurance carriers, so we can compare every option available in your area — not just a limited selection.
The annual review is always free. There is no charge whether you keep your current plans or decide to switch. Our service costs you nothing.
If you decide to switch plans, we take care of all the enrollment paperwork and follow up to make sure everything transitions smoothly.
Common Questions
Yes, completely free. As an independent broker, we are compensated by the insurance carriers — never by you. Whether you keep your current plans or switch to new ones, there is no cost to you for the review. This is a service we provide to every client, every year.
The ideal time depends on your plan types. For Medicare Advantage and Part D, the Annual Enrollment Period runs from October 15 to December 7 each year. For Medicare Supplement, you can switch most times of year (subject to underwriting in many states). We typically reach out to clients in the fall, but you can request a review at any time.
Absolutely not. If your current coverage is still the best option for your needs and budget, we will tell you exactly that. There is never any pressure to make a change. The goal of the review is to make sure you have the best coverage available — and sometimes that means keeping what you already have.
We can still review your coverage and help you compare options. If you decide to switch to a plan we recommend, we simply become your agent of record going forward. There is no penalty or fee for changing agents, and your current coverage remains in effect until any new plan starts.
Most annual reviews take about 20 to 30 minutes. We come prepared with your current plan details and the available alternatives already researched, so the conversation is focused and efficient. If your situation is more complex or you have multiple plan types to review, it may take a bit longer — but we never rush.
Make sure you still have the best coverage at the best price. Our annual review is always free, always thorough, and always in your best interest.