Medicare Matters — What to Review This May
May is a great month to take a proactive look at your Medicare coverage before mid-year changes stack up. Here are key indicators to check now:
Prescription drugs: Review your Part D plan’s formulary and upcoming refill needs. Even small changes to drug tiers or prior authorization rules can affect cost and access.
Provider networks: Confirm your doctors and preferred hospitals remain in-network for Medicare Advantage plans. Network changes can affect referrals and out-of-pocket costs.
Out-of-pocket exposure: Revisit deductibles, copays, and maximums—especially if you anticipate higher medical needs this year. Consider whether a Medigap (supplement) policy or hospital indemnity coverage makes sense.
Benefit gaps: Look beyond core coverage. Evaluate prescription drug coverage gaps, dental/vision hearing options, and final expense protection to avoid unexpected bills.
Life changes: Report changes in employment, residence, or other insurance (VA, employer) that may affect your Medicare enrollment windows or coordination of benefits.
Preventive care: Schedule annual wellness visits and age-appropriate screenings early to maximize covered preventive benefits.
Need personalized help? Our in-house Medicare Specialist, Maria Prescod (“Medicare Maria”), offers complimentary, no-obligation reviews to compare Medicare Advantage, Medigap, and Part D options and identify gaps like hospital indemnity and final expense protection. Maria brings 13 years of Social Security Administration experience and provides in-person or virtual appointments with multilingual support in Spanish, Portuguese, and Cape Verdean Creole.
Book a May appointment with Maria to review your plan and make any needed adjustments before summer. Call us or click to schedule your free consultation—clear, confident guidance you can trust.