What to Bring to an Insurance Review

If you’ve ever remembered your best question after an appointment ended, you’re in good company. Before your next insurance review take a few minutes to write down what you want to understand and gather the information that will help us talk it through.

Start with the question you’ve been meaning to ask

Maybe it’s “Will my Medicare plan still cover my prescriptions next year?” or “Would my life insurance still meet my family ‘s needs.?” Write that question at the top of your list. Starting there helps us spend time on what matters most you.

If you’re reviewing Medicare, bring your everyday details

Gather your current plan information and any notices you’ve received about changes for next year. Make a list of doctors and specialists you want to keep seeing. For each prescription, write down the name, dosage and how often you take it. Include the pharmacy you prefer to use.

Those details give us a starting point for checking how your coverage fits the care you actually use.

If you’re reviewing life insurance, think about what’s changed.

Bring a copy of your policy or a recent statement if you have one. Think about any changes since you bought it. Have you taken on a mortgage, welcomed a child, paid off a major debt, or taken on new responsibilities for a family member?

One question I like to start with is “What would I want this policy to help my family pay for? Your answer give us something concrete to talk through.

I’m Diane Guffey Newell, owner of The Guffey Group in Collinsville, Illinois. I’ll help you understand your coverage and walk through your options in plain language. Visit theguffeygroup.net to set up a conversation.