As the days get shorter and cooler in Prescott, AZ, many seniors are preparing for the winter season—holiday plans, doctor visits, and for some, heading south as snowbirds. But there’s one more item you shouldn’t overlook: your Medicare coverage.
Just like you winterize your home or car, it’s smart to do a seasonal Medicare checkup to make sure your plan still fits your healthcare needs.
Local Medicare Insurance Agent in Prescott, AZ
📍Ed McMahan Medicare Insurance
3623 Crossings Dr, Ste 277, Prescott, AZ 86305
📞 Phone: (928) 379-0172
📧 Email: edmcmahan2020@gmail.com
Here’s why a Medicare review this fall can save you money, reduce stress, and ensure peace of mind all winter long.
1. Prescription Costs May Change in January
Each year, Medicare Part D (prescription drug) plans can change:
- Monthly premiums
- Copays for specific medications
- Coverage for certain drugs (formulary changes)
🧾 Local Insight: Many seniors in Prescott are surprised to find that their essential prescriptions are no longer covered or cost significantly more in January. A simple plan review can help you avoid unexpected bills.
2. Your Preferred Doctors May Leave the Network
If you have a Medicare Advantage plan, your doctor or specialist may no longer be in-network next year.
✅ By reviewing your plan now, you can ensure:
- Your providers are still covered
- Your preferred clinics in Yavapai County or nearby cities like Phoenix remain accessible
- You’re not forced to switch doctors mid-treatment
3. Snowbird Travel? Make Sure You’re Covered
Many Prescott retirees travel to warmer states during winter months. But not all Medicare Advantage plans provide out-of-state coverage.
🚐 Example: If you spend winters in California or Nevada, you may need a plan with nationwide provider access or travel coverage. A Medigap plan might serve you better if flexibility is a priority.
4. Preventive Care Appointments Get Booked Fast
Winter is a popular time for:
- Annual wellness visits
- Eye and hearing exams
- Preventive screenings
If your Medicare plan changes on January 1st, it might affect your copays or covered services. A year-end checkup ensures you can lock in appointments before your benefits reset.
📅 Tip: Schedule your doctor visits before the holiday rush. Let’s confirm your coverage and maximize your benefits.
5. The Medicare Annual Enrollment Deadline is December 7
This is your once-a-year chance to:
- Switch from Original Medicare to Medicare Advantage (or vice versa)
- Change your Part D prescription drug plan
- Update to a better-suited Medicare Advantage plan
🕒 Don’t wait until the last minute—many seniors scramble in December and end up stuck with plans that don’t fit.
Let’s Review Your Medicare Plan—Before Winter Hits
Whether you’re staying in Prescott this winter or heading south, reviewing your plan now can prevent future headaches. As a local Medicare insurance broker, I help you:
- Compare current and new plans
- Find better drug coverage
- Confirm your doctors and specialists are still in-network
- Get ready for a worry-free winter
📍Ed McMahan Medicare Insurance
3623 Crossings Dr, Ste 277, Prescott, AZ 86305
📞 Phone: (928) 379-0172
📧 Email: edmcmahan2020@gmail.com
✅ Schedule your FREE Medicare checkup today and head into winter with confidence and clarity.