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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.

Elite Risk Advisors
Post by Elite Risk Advisors
Nov 19, 2025 11:33:26 AM

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