For our clients & neighbors
Your yearly coverage review — we don’t disappear after enrollment.
Your Medicare plan can change every single year — the premium, the drug list, the doctor network, the extra benefits. The biggest, most avoidable mistake is never looking again. Once a year we sit down together, make sure your plan still fits, and fix it if it doesn’t. Free, no pressure, and only if you want to.
Why a yearly review matters
Plans change every year
Premiums, drug formularies, provider networks, and extra benefits can all shift. Your plan tells you in the Annual Notice of Change it sends each fall — but it’s easy to miss.
Your life changes
A new prescription, a new doctor, a move across town or across the state line, a new diagnosis — any of these can change which coverage fits you best.
Most people never look again
After year one, many people quietly overpay or lose access to a doctor or drug simply because no one re-checked. A 20-minute review catches it before it costs you.
What we check together
Your review is a conversation, not a sales pitch. We never tell you which plan to pick on a webpage — we look at your real situation together and confirm the fit.
- Did your plan’s premium, deductible, or yearly out-of-pocket maximum change?
- Are the doctors and hospitals you use still in your plan’s network for next year?
- Are your prescriptions still on the drug list — and still at the same cost tier?
- Did your plan add or drop extra benefits (dental, vision, hearing, OTC, and the like)?
- Has your health, your budget, or your situation changed this year?
- Could you qualify for cost-lowering help — like Extra Help, a Medicare Savings Program, or a Special Enrollment Period?
How your annual review works
- 1
Read your plan’s Annual Notice of Change (ANOC)
Your plan mails (or emails) an ANOC by September 30 each year. It spells out next year’s premium, costs, drug list, and benefit changes. Keep it — we’ll go through it together.
- 2
Note what changed in your life this year
New prescriptions, a new doctor or specialist, a move, or a new diagnosis can all change which coverage fits you best. Jot them down before your review.
- 3
Confirm your doctors and drugs for next year
Plans rebuild their provider networks and drug formularies every year. We check whether the doctors you use are still in-network and your prescriptions are still covered — and at what tier.
- 4
Keep or change your plan before the window closes
The Annual Enrollment Period runs October 15 – December 7. If your plan still fits, you keep it — no action needed. If something changed, we make the switch in time so your coverage starts clean on January 1.
Not sure when your window is? See the full 2026 Medicare enrollment periods, or just book a review and we’ll handle the timing.
Book your free annual review
Pick a time that works for you — about 30 minutes, by phone or video. There’s no cost and no obligation, whether you keep your plan or change it.
Already a client? You can also reach Matt directly any time — that’s the whole point of working with a local agent.
Has Matt helped you?
If we’ve been there for you — at enrollment or at a yearly review — a few honest words would mean the world to a small family agency and help other Texas & Florida families decide with confidence. We never pay for, gate, or filter reviews.
Common questions
When should I review my Medicare plan?
Every fall. Your plan sends an Annual Notice of Change by September 30, and the Annual Enrollment Period runs October 15 through December 7 — so that window is the time to confirm your plan still fits for the coming year. If you are already in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period (January 1 – March 31) gives you one more chance to make a change.
Does reviewing my plan mean I have to switch?
Not at all. Many people review their coverage and decide to keep exactly what they have — that is a perfectly good outcome. The point of the review is to make sure that choice is still the right one before the window closes, not to talk you into a change.
Do you charge for an annual review?
No. There is never a fee to review your coverage with us. The price of a plan is set by the carrier and is the same whether you use an agent or enroll on your own — so having a licensed agent in your corner costs you nothing.
I didn’t get my plan through you — can you still review it?
Yes, and we’re glad to help. You can make Giron Agency your agent of record at no cost, and from then on you have a real person to call all year — not just at enrollment time.
Will you keep helping me after I enroll?
That’s the whole idea. We don’t disappear after the paperwork is signed. You get a yearly review, and you can reach Matt directly any time a bill, a card, a doctor change, or a question comes up.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP) to get information on all of your options.