If you recently enrolled in Medicare and are feeling unsure, overwhelmed, or confused now that your coverage has started — you’re not alone.
January is one of the most common times people realize something doesn’t quite feel right with their Medicare plan. Maybe a prescription costs more than expected, a doctor isn’t in network, or the paperwork is confusing. The good news? Many of these issues can be addressed — especially if you act early.
Here’s what to do if you’re questioning your Medicare coverage this January.
1. Review Your New Medicare Coverage Carefully
Now that your plan is active, take a few minutes to review:
- Your insurance card(s)
- Your plan summary or Evidence of Coverage
- Any letters you received from Medicare or your insurance carrier
Pay close attention to:
- Monthly premiums
- Deductibles
- Copays or coinsurance
- Prescription drug coverage details
If anything looks unfamiliar or unclear, that’s a sign it’s worth getting help.
2. Check Your Doctors and Specialists
One of the biggest January surprises we see is that a preferred doctor or specialist isn’t covered the way someone expected.
Ask yourself:
- Is my primary care doctor in network?
- Are my specialists covered?
- Do I need referrals to see certain providers?
If the answer isn’t clear — or worse, the answer is no — don’t panic. There may be options available.
3. Look Closely at Prescription Drug Costs
January is often when people notice higher-than-expected prescription costs. This can happen due to:
- Changes in drug tiers
- Deductibles resetting
- Medications not being covered as expected
If your prescriptions cost more than you anticipated, a Medicare plan review can help determine whether there’s a better option for your needs.
4. Don’t Assume You’re “Stuck” With the Wrong Plan
Many people believe that once enrollment is over, they have no flexibility. That’s not always true.
Depending on your situation, you may qualify for:
- Special Enrollment Periods
- Plan changes due to life events
- Adjustments that improve coverage or reduce costs
The key is understanding what applies to your specific circumstances.
5. Get a Professional Medicare Review (At No Cost)
Medicare is complicated — and it’s completely reasonable to want a second set of eyes.
A Medicare review can help:
- Identify issues with your current plan
- Confirm whether your doctors and prescriptions are covered
- Explain your options in plain English
- Reduce stress and uncertainty
Most importantly, it can help you feel confident that you made — or are making — the right choice.
We’re Here to Help
If you’re feeling confused about your Medicare coverage this January, you don’t have to figure it out on your own.
👉 Fill out this form to request a free, no-obligation Medicare review.
We’ll take the time to understand your situation and help you determine the best next steps.
Sometimes all it takes is one conversation to feel confident again.