Free Insurance Plan ReviewFind Out What Changed Before It Costs You
Carriers change networks, formularies and premiums every year. The plan that was right last January can be quietly wrong this January, and nothing notifies you except a renewal letter most people never read.
A plan review is a no-cost, no-obligation audit of what you currently have. We re-verify your doctors, re-check your prescriptions, compare your renewal premium against the current market and look for gaps or duplication across all your policies.
We do this for clients and non-clients alike throughout Baldwin County, Mobile and the Florida Panhandle. If your existing coverage still wins, we will tell you to keep it — that outcome happens often enough that it is worth stating up front.
What We Check
A complete review covers six areas, each of which changes independently year to year.
- Network — whether your current physicians and preferred hospital remain in network for the coming plan year
- Formulary — each prescription checked against the new drug list and tier, since tier changes can swing annual cost by thousands
- Premium and cost sharing — renewal premium, deductible and out-of-pocket maximum compared to competing plans
- Coverage gaps — missing disability, underinsured life coverage and uncovered risks
- Duplication — overlapping supplemental policies paying for the same event twice
- Beneficiaries and coverage amounts — confirming they still match your circumstances
When to Get a Review
Annually before open enrollment is the baseline. For individual and family health coverage that means October, ahead of the November 1 start. For Medicare, the Annual Enrollment Period runs October 15 through December 7 — the one predictable window each year to change Advantage and Part D plans without restriction.
Outside the calendar, review immediately after any qualifying life event: marriage, divorce, a birth, a move, retirement, a new diagnosis or a job change. These events both change your needs and open enrollment windows that close within sixty days.
What a Review Costs and What Happens After
The review is free and carries no obligation. You will receive a written summary of findings with specific recommendations, and you can act on all of them, some of them or none.
If a change makes sense, we handle the application, the carrier paperwork and the cancellation timing on the old policy so there is no coverage gap between plans.
Frequently Asked Questions
How much does an insurance plan review cost?
Nothing. There is no fee and no obligation, and we review policies purchased elsewhere just as readily as our own.
How long does a plan review take?
Typically twenty to thirty minutes for an individual or family. Group benefit reviews for employers take longer and usually involve a follow-up meeting.
What should I bring to a plan review?
Your current insurance cards, the most recent renewal or annual notice of change letter, a list of your prescriptions and the names of your doctors.
Will you tell me to switch plans even if I should not?
No. When your current plan is the best available fit we say so. Our business is built on referrals, and bad recommendations end that quickly.
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