The **Annual Enrollment Period (AEP)** runs October 15–December 7. If you’re in Owensboro and want to check benefits, drug costs, or doctors in‑network, this simple checklist will keep you on track.
1) Gather your essentials
• Your Medicare card
• Current plan info
• **List of medications** with dosages and preferred pharmacy
• Your doctors and clinics
2) Decide what matters most
Rank these:
• Premium & max out‑of‑pocket
• Drug costs (copays/tiers)
• Doctor/hospital networks
• Dental/vision/hearing/extras you actually use
3) Compare calmly
We’ll help you compare **Advantage, Part D, and Medigap** options apples‑to‑apples—no pressure, clear tradeoffs. If nothing beats your current plan, staying put is perfectly fine.
4) Watch for changes
Annual **drug formulary** tweaks, network updates, and copay changes catch people off guard. A 15‑minute review now can save headaches in January.
5) Book a local review
We serve Owensboro and surrounding areas. Bring your list and we’ll run comparisons tailored to your meds and doctors: https://www.eliteriskagent.com/insurance-services/medicare/
**Bottom line:** AEP is your chance to realign coverage with real life. We make the process friendly, transparent, and local.
