Use this checklist before Medicare Annual Enrollment to organize what changed, what matters to you and what you want to compare for 2027.
Current coverage
Write down your current Medicare coverage type, plan name if applicable and the parts of your coverage you use most often.
Annual Notice of Change
Review the Annual Notice of Change and mark any changes involving costs, benefits, provider access, prescriptions or plan rules.
Premiums and deductibles
Record the monthly premium and any applicable deductibles for the coverage you are reviewing.
Copays and coinsurance
List the costs for the services you use most, such as primary care, specialists, hospital care and prescriptions.
Doctors and hospitals
Confirm the status of your primary doctor, specialists, hospitals and other facilities important to your care.
Prescription drugs
Write down each medication, dosage and frequency. Check coverage, tier and pharmacy access.
Pharmacy
Confirm whether your preferred pharmacy remains in network or preferred where the plan uses pharmacy networks.
Prior authorization and referrals
Note any plan rules that may affect services or prescriptions you expect to use.
Maximum out-of-pocket exposure
For Medicare Advantage, review the plan’s applicable yearly out-of-pocket limit and network rules.
Your priorities
Rank the three things you care about most, such as keeping a doctor, managing prescriptions, predictable costs, travel flexibility or a particular benefit.
Questions to ask
Write down anything you do not understand before speaking with Medicare, a plan, or a licensed professional. If you want a simpler decision framework first, use How to Compare Medicare Options Without Getting Overwhelmed.
Explore the Ensurance Medicare resource center.
Ensurance is not Medicare.gov, CMS, or an insurance carrier. This page is educational and does not guarantee eligibility, plan availability, quotes or savings.