HOOK
[Split-screen of a person comparing plan mailers and scratching their head] Open enrollment sounds simple, right? But one small Medicare mistake can mean higher costs or losing a doctor you actually like.
KEY POINT 1
[On-screen: “Don’t auto-renew without checking”] First: don’t assume last year’s plan is still the best fit. Medicare Advantage and Part D plans can change premiums, copays, drug lists, and pharmacy networks every year.
KEY POINT 2
[B-roll of a prescription bottle and a network search on a phone] Second: check your medications and doctors. A plan that looked great last year may not cover your prescriptions the same way now, or your preferred doctor may be out of network.
KEY POINT 3
[On-screen checklist: premium, deductible, copay, max out-of-pocket] Third: look beyond the monthly premium. The cheapest plan upfront can cost more later if the deductible is high or the out-of-pocket maximum is much bigger.
CTA
[Host on camera with Medicare documents beside them] Before you make any changes, compare your current coverage with next year’s options. A 10-minute review now can save you from a year of surprises. If you want, I can help you make a simple Medicare comparison checklist.
