HOOK
Thinking about letting your Medicare plan roll over unchanged? That could be a costly mistake. During open enrollment, a quick review can save you from higher bills, different drug coverage, or surprise doctor network changes. [Show Medicare card, calendar, and a person reviewing plan documents]
KEY POINT 1
First, check your prescription drugs. Plans can change their formularies every year, which means a medication you take now might move to a higher cost tier—or not be covered at all. [Highlight a pill bottle list and plan comparison screen]
KEY POINT 2
Second, look at your doctors and hospitals. If you have Medicare Advantage, provider networks can change. A doctor who was in-network this year may not be next year, and that can mean bigger out-of-pocket costs. [Map with pins, doctor office exterior, “in-network” label]
KEY POINT 3
Third, compare the total cost, not just the premium. A plan with a low monthly payment can still have high copays, deductibles, or drug costs. The cheapest premium is not always the cheapest plan. [Side-by-side comparison of premium, copay, deductible, and yearly total]
CTA
Before open enrollment ends, use the Medicare Plan Finder or call your plan to confirm coverage for your doctors and prescriptions. A 10-minute review now can prevent a year of surprises. [Show website search, phone call, and checklist being completed]
