Free Medicare Plan Review — Annual Enrollment Oct 15 – Dec 7
Not sure if your current plan still fits? We'll compare your plan against every option in your area and show you if there's a better match.
Schedule Your Free Medicare Review
Medicare AEP · Oct 15 – Dec 7
Free Medicare Plan Review with a Local Raleigh Agent
Annual Enrollment Period is your one chance per year to switch Medicare Advantage, Part D, or Medigap plans without penalty. Spend 15 minutes with a licensed local agent, save $400–$1,200/year — at no cost to you.
What is the Medicare Annual Enrollment Period?
Medicare's Annual Enrollment Period (AEP) runs October 15 through December 7 every year. It's the window when you can change your Medicare Advantage plan, switch Part D drug coverage, drop a plan and return to Original Medicare, or pick up a Medigap supplement (with eligibility rules). Plans you choose during AEP take effect January 1.
Why it matters: Medicare plans change every year. Premiums shift, drug formularies get rewritten, doctor networks expand or contract, and copays for services like an MRI or specialist visit can change overnight. The plan that was perfect for you last year may not be the right plan in 2027.
⚠️ Miss the window? Outside AEP, you generally can't change your Medicare Advantage or Part D plan until next October — even if you're paying too much or your prescriptions aren't covered.
What We'll Cover in Your Free 15-Minute Review
- Your current plan's 2027 changes. We pull your current Medicare Advantage or Part D plan and walk you through every change Medicare just announced for next year — premium, deductible, formulary, network.
- Side-by-side comparison. We compare your current plan against every Medicare-approved plan available in Wake, Durham, Orange, or Johnston County. Independent means we work for you, not a single carrier.
- Your prescriptions. Bring your medication list — we'll show you which plan covers them with the lowest copay.
- Your doctors. We confirm your providers stay in-network so you don't have to switch primary care or specialists.
- The math, not the pitch. No high-pressure sales — just the actual annual cost of each plan in plain English.
Why Choose Triangle Life & Health
We're independent. Triangle Life & Health is an independent insurance agency — we contract with every major Medicare carrier (Aetna, Humana, UnitedHealthcare, Cigna, Wellcare, Blue Cross NC, Anthem and more). That means we shop your plan options instead of pitching one company's product.
We're local. Our office is in Raleigh, serving the Triangle area since 2019. We know which providers are in-network for which plans across UNC Health, Duke Health, WakeMed, Atrium, and Rex.
We're free. Medicare agents are paid by the insurance carrier when a plan is selected — never by you. There is no fee, no obligation, and no commitment to enroll.
3-Step Process
Frequently Asked Questions
Will I have to switch doctors?
Only if you choose to. Before recommending any plan, we check that your primary care physician and specialists remain in-network. If they're not, we either find a comparable plan that keeps them in-network or we tell you to stay put.
How much does this cost?
Nothing. Medicare brokers like Triangle L&H are paid a flat commission by the carrier when a plan is selected — same commission no matter which carrier you choose, which is why we're truly independent. You pay zero.
I'm 64 — should I wait until I'm 65 to call?
No. Your Initial Enrollment Period (IEP) runs three months before through three months after your 65th birthday — that's a separate, more flexible window than AEP. Call us 60-90 days before you turn 65 and we'll help you avoid Part B and Part D late-enrollment penalties.
I'm already in a Medicare Advantage plan I like — do I still need a review?
Yes. Plans change every year. About 1 in 4 of our clients ends up keeping their current plan after our review — that's fine, you get the peace of mind that nothing important changed. The other 3 in 4 typically save somewhere between $400 and $1,200 a year.
Do you do home visits?
Yes. We serve Wake, Durham, Orange, and Johnston Counties with home visits at no cost. If you'd rather meet at our Raleigh office (6512 Six Forks Rd, Suite 503B — opening Summer 2026), or by phone or video, we can do that too.
What if I have a Medigap plan, not Medicare Advantage?
Medigap plans are also worth reviewing during AEP, particularly if your Part D drug plan is bundled separately. If you're considering a Medigap switch, we'll review your options and explain your guaranteed-issue rights.
Ready to schedule your free review?
Annual Enrollment Period closes December 7. Calendar fills up fast in November — book early.
📅 Schedule My Free Review 📞 Call (919) 689-6565
Triangle Life & Health · 6512 Six Forks Rd, Suite 503B, Raleigh, NC 27615 · Serving Wake, Durham, Orange & Johnston Counties
Related resources
Want to learn more before you book? Read up on Medicare basics, Medicare Advantage (Part C), Medicare Supplement (Medigap) plans, or Part D drug coverage.
Disclaimer: We do not offer every plan available in your area. Currently we represent multiple organizations which offer many products in your service area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Triangle Life and Health is licensed by the NC Department of Insurance (NPN 16899969).