Already on Medicare? Make sure your plan still fits.
Plans change every year — premiums, copays, drug lists and doctor networks. A free annual review makes sure you’re not paying more than you need to, or missing benefits you could have.
Did you get your plan’s letter?
Every fall, your plan mails an Annual Notice of Change (ANOC) explaining what’s different next year. It’s easy to miss — and it matters.
Not sure? Send it to us and we’ll explain it in plain English.
When you can make changes
Annual Enrollment Period
Anyone with Medicare can switch Medicare Advantage or Part D plans, or move between Original Medicare and Medicare Advantage. Changes start January 1.
Medicare Advantage Open Enrollment
If you’re in a Medicare Advantage plan, you get one chance to switch to a different Advantage plan or return to Original Medicare.
Special Enrollment Periods
Certain life events — like moving, losing other coverage, or qualifying for Medicaid or Extra Help — may let you make changes outside these windows.
Your life changed. Your plan should keep up.
After 25 years of reviewing plans, I’ve seen it again and again: people stay in a plan that no longer fits simply because nobody checked.
What we check together
Doctors & hospitals
Confirm the people and places you rely on are still covered next year.
Prescriptions & pharmacy
Check each medication’s coverage and cost at the pharmacy you use.
Total yearly cost
Look past the premium to copays, deductibles and your out-of-pocket maximum.
Help paying costs
See whether you may qualify for Extra Help or a Medicare Savings Program.
Have a Medicare Supplement? In most states, changing Supplement plans outside certain windows may require answering health questions. We’ll tell you where you stand before you make any move.
Compare plans and enroll online, on your own time.
Use our secure online plan finder to enter your ZIP code, doctors and prescriptions, compare Medicare plans side by side, and enroll when you’re ready. Rafael stays your agent, so you can call anytime with questions, at no cost to you.
You’ll be taken to our plan comparison partner’s secure website. Plans shown are from the carriers we represent and may not include every plan in your area.
Online plan finder
Check your doctors and drugs See estimated yearly costs Enroll securely online Compare plans nowRather have help? 856-217-2235
Request your free plan review
No cost and no pressure. If your current plan is still the best fit, I’ll tell you — and you won’t need to change a thing.
Rafael E. MendozaLicensed agent · 25 years
Common questions
If I’m happy with my plan, do I need to do anything?
Usually not. If your plan is still offered next year, you’ll generally stay in it automatically. A quick review just confirms nothing important changed.
Does a review cost anything?
No. Our help is free, and plan prices are the same whether you work with us or enroll on your own.
Will a review change my coverage?
Never without your say. We explain your options, and you decide. Nothing changes unless you choose to make a change.
I’m not your client yet. Can you still help?
Absolutely. Many people come to us for a second opinion on a plan they chose somewhere else.
Can you help with a denied claim?
I started my career working through claim denials, so I know how the process works. Call us and we’ll walk you through your options, including how to appeal.