Why Medicare Isn’t Set It and Forget It
When it comes to retirement planning, Medicare is often treated like a one-and-done decision. You sign up, pick a plan, and move on. But the truth is, Medicare needs the same attention you give your investments or income strategy. Plans change every year—and ignoring those changes could cost you thousands.
The Basics: Medicare’s Moving Parts
✅Original Medicare (Parts A & B): Hospital and medical coverage.
✅Part D: Prescription drug plans that change their formularies annually.
✅Medicare Advantage: All-in-one plans with networks that shift from year to year.
✅Medigap: Supplemental coverage that helps fill the gaps, but premiums can rise.
Why Annual Reviews Matter
✅Formularies (drug lists) are updated annually.
✅Doctors and hospitals move in and out of networks.
✅Premiums and copays creep up, sometimes quietly.
Even if your plan worked last year, it may not fit your needs this year.
Real-World Example
John and Maria thought their plan was fine—until they realized Maria’s prescription was no longer covered. By switching during open enrollment, they saved $3,200 a year.
The Big Picture
Medicare is not paperwork—it’s planning. Reviewing your plan every fall keeps your healthcare costs aligned with your retirement Blueprint and protects your income stream.
👉 Next Steps: Don’t leave your coverage to chance. Let’s review your Medicare options as part of your Blueprint so you can feel confident about your healthcare decisions. Grab a spot on my calendar!
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