09/15/2026
I graded every way I've watched people pick a Medicare plan.
Two got an F. One got an S. Most people are using the F.
C: Whatever your neighbor has. You trust them. That's why it feels safe. But they don't take your prescriptions or see your doctors, so their good plan is built for their life, not yours.
C: Medicare.gov plan finder. Strong on medication costs. Weak on doctor networks. And it resets every January, so it's a project you inherit every year.
B: Read your Annual Notice of Change. Every year, no exceptions. It tells you what changed on your plan. It can't tell you whether a different plan now fits you better.
F: The biggest grocery or OTC card. I've watched people pick the plan with the highest card, then find out their doctors aren't in network. The extra benefits cards won't get you very far if you can't see the doctors you want.
F: The 1-800 number on TV. The carriers have enormous ad budgets and they spend them. Call it and you reach a call center several states away that doesn't know your situation and won't be there in March.
S: Start your own list. Doctors. Prescriptions. Pharmacy. Without it, nothing else on this list works, including me.
A: A local agent, every year. Costs you nothing. Knows the Lexington market. Compares every option in one place, and is still around when the bill looks wrong, or you're not sure the dentist is covered.
Write the list this week. That's the S tier, and it's free.
Then, if you want the A tier, tap Call Now or dial 859-618-6443. That's my desk, not a call center. Or use the link below to book your Medicare Annual Review directly on my calendar.
Next year's plans go public October 1. I'm filling October slots now, so grab one, and I'll have your plan changes pulled before we talk.
Working with your local Medicare advisor never costs you a penny, because the carriers pay me the same no matter which plan you land on.
Austin Tyler, Tyler Insurance Group, Lexington.