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Navigating Medicare and Health Insurance Together

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Medicare's Annual Enrollment Period (October 15-December 7) is coming up, and it's a great time to double-check that your coverage still fits your needs. If any of the following raise questions or you'd like to explore/compare your Medicare-approved plan options together, please feel free to reach out to make an appointment for the upcoming Annual Enrollment Period.

Here are some frequently asked questions that come up this time of year:

  • What changes can I make during Annual Enrollment?

    You can switch from Original Medicare to a Medicare Advantage plan, change from one Advantage plan to another, or modify your Part D prescription coverage.

  • What's the difference between Original Medicare and Medicare Advantage?

    Original Medicare is government-managed and typically paired with separate drug coverage and optional Medigap. Medicare Advantage plans are offered by private insurers and often bundle medical and drug benefits, with some including extras like dental or vision.

  • What is the ANOC (Annual Notice of Change), and when is it supplied?

    If you are in a Medicare plan, your plan will send you a "Plan Annual Notice of Change" (ANOC) each fall. The ANOC includes any changes in coverage, costs, and more. If you don't receive this important document, contact your plan.

  • Do I need to do anything if I'm happy with my current plan?

    Even if you're satisfied, it may be a good idea to review your coverage. Premiums, provider networks, and drug formularies can change each year.

  • When can I learn about next year's plans?

    Information for next year's plans will be available beginning in October.

  • What if I miss the Annual Enrollment deadline?

    Unless you qualify for a Special Enrollment Period due to a major life event, you'll need to wait until next year's window to make changes.

Now making appointments for review of Medicare-approved plans and the Annual Enrollment Period! Contact Us TODAY!

Bern Insurance is an independent insurance agency not affiliated with or endorsed by the government or the federal Medicare program.


Medicare Disclaimer: We do not offer every plan available in your area. Currently, we represent 5 organizations which offer 44 products in your area.



Please contact Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Program (SHIP) to get information on all your options.

From Our Family to Yours

Bern Insurance started over five decades ago with a vision to serve our community with honesty and care. Founded in 1965, we're now led by siblings David and Deb, who have continued our family's tradition of integrity and personalized service. Over the years, we've grown to become a trusted name in insurance, specializing in health and Medicare coverage for individuals and groups alike. Our commitment to adapting to the needs of our clients has been central to our success. At Bern Insurance, we're honored to be your partners in securing your health and future.

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Navigating Medicare can be complex, but our expert team is here to guide you every step of the way, ensuring you understand your options and receive the best possible coverage.

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From travel to dental and vision, life and short-term insurance solutions, we offer a variety of additional coverage options to meet all your health insurance needs, giving you peace of mind in every aspect of life.

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At Bern Insurance, we believe in more than just providing coverage; we believe in building lasting relationships rooted in trust and care. When you work with us, you’re not just getting an insurance policy—you’re gaining a dedicated partner committed to your well-being. Our friendly and knowledgeable team is here to guide you through every step, offering personalized solutions that fit your unique needs. With our support, you can navigate the complexities of insurance with confidence, knowing that your health, security, and future are in good hands. Join our family, and let’s create a brighter, more secure tomorrow together.

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At Bern Insurance, we believe that informed clients are empowered clients. That's why we offer a range of seminars and educational events designed to demystify the complexities of insurance, particularly Medicare. Our events are tailored to provide you with the knowledge and confidence you need to make informed decisions about your insurance coverage. Whether you're new to Medicare or looking to deepen your understanding of other insurance options, our friendly and knowledgeable team is here to guide you every step of the way. Join us at our next seminar and take the first step toward a more secure and informed future.