Changing your Medicare plan doesn’t have to feel risky.
But without the right help, you could lose doctors, pay more than expected, or end up stuck in a plan that doesn’t work for your needs.

Let’s make sure that doesn’t happen to you.

The Problem

Medicare is not a “set it and forget it” decision. Your health changes. Your prescriptions change. And—let’s be honest—Medicare plans change every single year.

But too many people feel stuck, confused, or nervous about switching plans—so they don’t… and regret it later.

“I didn’t realize I could switch.”
“No one told me my doctor left the network.”
“My copays went way up and I didn’t find out until January.”

We hear this all the time. And that’s exactly what we help people avoid.

The Guide

At Mere, we’ve helped thousands of people review, switch, or optimize their Medicare coverage—without stress or surprises.
You’re not locked in forever. But you do need to be intentional and informed.

The Plan: 3 Smart Steps to Switching Medicare Plans

Step 1: Know When You Can Switch

There are specific times each year when you can make changes:

• Medicare Advantage Open Enrollment: Jan 1–Mar 31
  (One-time switch from one Advantage plan to another, or drop Advantage and go back to Original Medicare)

• Annual Enrollment Period (AEP): Oct 15–Dec 7
  (Switch Advantage plans, drug plans, or go from Advantage to Supplement and vice versa)

• Special Enrollment Period (SEP):
  (Triggered by life events like moving, losing coverage, or qualifying for extra help)

Step 2: Review What Changed

Plans can change their:

• Premiums

• Deductibles

• Copays

• Covered medications (formularies)

• Network of doctors
  

Even if you’re happy now, your plan might not be the same next year. That annual notice you get? It’s worth a look—or better yet, have us review it with you.

Step 3: Get Help Making the Switch

Switching plans isn’t as simple as clicking a button. You want to:

• Avoid gaps in coverage

• Keep your doctors and prescriptions

• Understand what you’re getting into

We help with all of that—at no cost to you.

Real Story: Why Review Matters

Jerry and Linda from St. Johns County stayed on the same Advantage plan for three years… until their cardiologist stopped accepting it. They didn’t find out until a denied claim arrived in January.

We helped them switch plans within the proper enrollment window, keeping their doctor and saving them over $1,200 for the year.

The Success You Want

When you take control of your Medicare plan each year, you can:

• Stay covered without surprises

• Maximize your benefits

• Keep your doctors

• Save money on meds and copays

• Feel confident—not stuck

Your Next Step

Ready to review your plan or explore your options?
Don’t wait until something changes. We’ll help you review your coverage, explain what’s changing, and guide you through a switch if it makes sense.

➡️ Visit www.merebenefits.com/medicare or call our team to schedule your no-cost Medicare review.

Your health needs evolve. Your plan should, too.
We’ll make sure it still fits—simply for your benefit.

#simplyforyourbenefit
Your trusted Medicare advisors in Jacksonville and Northeast Florida