Medicare is an important part of your healthcare coverage, but it may not be the whole picture. As we head toward the Medicare Annual Enrollment Period, this is a good time to look at your coverage as a whole—not simply to ask, “Should I change my Medicare plan?” but, “Am I prepared for the healthcare expenses I could face?”

Start with your Medicare coverage. Review your prescriptions, doctors, specialists, and anticipated care. Once your Annual Notice of Change (ANOC) arrives, look at what your current plan will cover in 2027 and your potential out-of-pocket costs. Sometimes the right answer is to make a change. Often, it’s to stay right where you are.

But there are other risks Medicare doesn’t fully address. A cancer diagnosis, heart attack, or stroke can bring expenses beyond medical bills, including travel, household expenses, or additional help during recovery. Cancer, heart attack, and stroke policies can provide cash benefits to help with these unexpected costs.

It may also be worth considering how you would pay for help at home or other care needed during recovery. Short-term care coverage can help fill some of the gaps Medicare was never designed to cover.

At Headwaters, our goal isn’t simply to review your Medicare plan. We want to help you look at your complete coverage, where you’re well protected, and where gaps may remain.

Give us a call for a no-cost, no-obligation coverage review. Sometimes peace of mind comes from making a change. Sometimes it comes from confirming you already have the right pieces in place.

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We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area.Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options.