HOOK
[Close-up of a Medicare card and a pile of plan letters] Medicare Open Enrollment is your one chance each year to change plans—but a lot of people miss money-saving options. The biggest mistake? Assuming your current plan is still the best one for you.
KEY POINT 1
[On-screen: “Compare your current costs”] Don’t just look at the monthly premium. Check your total yearly cost: premiums, deductibles, copays, and out-of-pocket maximums. A plan with a lower premium can still cost you more overall.
KEY POINT 2
[B-roll of prescription bottles and a pharmacy receipt] If you take prescriptions, review the drug formulary every year. Plans can change which medications they cover—and what tier they’re on. One small change can turn into a big surprise at the pharmacy.
KEY POINT 3
[Split screen of doctor visit and network map] Make sure your doctors and preferred hospitals are still in network. That’s especially important with Medicare Advantage plans, where network rules can affect both access and cost.
CTA
[Hand holding a notebook with a checklist] Before you renew, compare your plan’s costs, drugs, and providers. A 10-minute review now can help you avoid a year of regret. Want a simple checklist? Save this video and review your plan before Open Enrollment ends.
