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.
Rank these:
• Premium & max out‑of‑pocket
• Drug costs (copays/tiers)
• Doctor/hospital networks
• Dental/vision/hearing/extras you actually use
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.
Annual **drug formulary** tweaks, network updates, and copay changes catch people off guard. A 15‑minute review now can save headaches in January.
**Bottom line:** AEP is your chance to realign coverage with real life. We make the process friendly, transparent, and local.