An Independent Medicare Health Insurance Agency

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AEP Is Over—Now What? Your Guide to What Happens Next

AEP is done, your choices are locked in, and now you’re wondering what actually happens next. When does your new plan start? What if something doesn’t match what you expected? Here’s what to look for between January and March—and how to fix issues before they turn into year-long headaches.

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Elderly couple walking down the road with their arms around each other.

Last-Minute AEP Checklist

If you’re here, it’s because AEP is ending—and you’re trying to make sure you don’t miss something important. Totally normal. The last week of AEP

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Elderly couple sitting on a bench overlooking a vineyard

Prior Authorization & Referrals on Medicare Advantage: How to Avoid Denials

Most of us don’t sign up for Medicare thinking about paperwork or surprises — we just want to see the doctor when we’re sick. But if you’re on a Medicare Advantage plan, you may need prior authorization or a referral before certain scans, surgeries, or treatments. Skip it — and you could be stuck paying the bill. Read on so you know what to watch for and how to avoid denials.

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PPO vs HMO on Medicare Advantage

Trying to decide between an HMO and PPO Medicare Advantage plan? Learn the key differences in networks, costs, referrals, and travel flexibility so you can choose confidently this AEP.

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Elderly man smiling while sitting at a kithcen table.

AEP Pitfalls: 10 Common Medicare Mistakes to Avoid

The Annual Enrollment Period (AEP) (October 15-December 7) is your once-a-year chance to review or change your Medicare coverage. But many make costly mistakes—waiting too late, chasing perks instead of providers, or overlooking drug-and network-fit. Read on to avoid the 10 most common pitfalls and secure a plan that fits your life.

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