Medicare Annual Check-Up: What to Review Mid-Year

We often think of Medicare decisions as something to tackle once a year during Open Enrollment, but a mid-year Medicare check-up can be just as important. Taking time mid-year to review your current plan and healthcare needs helps ensure you’re still getting the best coverage — and can save you money, avoid surprises, and keep your health on track. At BroadZero, we help seniors in Philadelphia stay informed and empowered when it comes to managing their Medicare benefits. Here’s what you should review in your Medicare “check-up” this summer.

1. Review Your Medical and Prescription Drug Usage

Start by reviewing how you’ve used your Medicare plan so far this year.

• Have you visited your doctor more often than expected?
• Did you start any new medications?
• Have your health conditions changed?

If your needs have increased or shifted, your current plan may no longer be the most cost-effective or comprehensive for the rest of the year or heading into the next.

For example, if your prescription costs are higher than anticipated, it may be a sign you’re approaching the Medicare Part D “donut hole” — the coverage gap where costs temporarily increase. BroadZero can help you understand how this affects your spending and plan accordingly.

2. Evaluate Out-of-Pocket Costs

Even if you’re happy with your doctors and medications, your plan might still be costing you more than necessary. Take time to add up your:

• Monthly premiums
• Copayments and coinsurance
• Deductibles

Are these numbers aligning with what you expected? If not, it might be time to explore switching during the next enrollment period or see if you qualify for Medicare Savings Programs or Extra Help.

3. Check Provider Networks and Pharmacies

If you’re on a Medicare Advantage (Part C) or Part D drug plan, networks can change. Make sure your doctors, specialists, hospitals, and pharmacies are still in-network — otherwise, you could face higher costs or lose access altogether.

Medicare Advantage plans often offer additional benefits like dental, vision, hearing, and fitness perks. If you haven’t used them yet, now is the time to start! BroadZero can help you identify what’s included and how to access those services.

4. Update Your Personal Information

This is a great time to ensure Medicare and your insurance provider have your:

• Current address and phone number
• Preferred pharmacy or primary care doctor
• Correct list of medications and allergies

Keeping this info current helps prevent errors, delays in care, or missed communications about your plan.

5. Know Your Options for Later in the Year

If your needs have changed significantly, you may qualify for a Special Enrollment Period (SEP), especially if you’ve moved, lost coverage, or qualified for Medicaid. Otherwise, your opportunity to make changes begins during Medicare Open Enrollment from October 15 to December 7.

Conclusion

A mid-year Medicare check-up helps you stay ahead of healthcare changes and gives you time to make smart, informed decisions. At BroadZero, we offer personalized Medicare reviews for Philadelphia seniors to ensure they’re on the best plan for their health and budget. Contact us today for your free plan review — and stay confident in your Medicare coverage all year long.