Fall is here, which means it’s open enrollment season for individual health insurance and Medicare plans. At Rathbun Insurance, we want to make sure our clients have access to the best resources when it comes to their health insurance needs. While we don’t specialize in individual health insurance ourselves, we partner closely with BeneGuides—a dedicated team of experts in this area.

Every year, the team at BeneGuides reaches out to their clients to review their policies and ensure they’re on the best plan for the coming year. This is especially important for Medicare policyholders in 2025, as there are some significant changes coming to prescription coverage. The out-of-pocket limit for Medicare prescription costs is now capped at $2,000, which is great news for people with high-cost prescriptions. However, some insurance companies are adjusting their coverage, dropping more expensive medications. This makes it crucial for Medicare clients to reassess their plans to avoid costly surprises.

As BeneGuides recently shared with us, they’ve already seen the impact. Just this week, they helped a client who discovered that his current plan would no longer cover a $580-per-month medication in 2025. If he hadn’t checked, he would have been stuck with a plan that didn’t cover his prescription. Fortunately, with the help of BeneGuides, they found a new plan that fit his needs. That’s why it’s so important to connect with a health insurance professional to make sure you—and your loved ones—are protected.

BeneGuides also supports individuals and families on Marketplace plans. They understand that estimating income when applying for these plans can be tricky. If someone’s income for 2024 turned out differently than expected, they could be facing a tax bill if their plan isn’t updated for 2025. That’s why BeneGuides is reaching out to all their Marketplace clients now to help them avoid surprises at tax time.

Like us, BeneGuides believes in making insurance guidance accessible—working with them doesn’t cost you anything, and it won’t change the price of your plan. They are a team of four, based locally in Okemos, MI, and are always available to support you. If you, a family member, or a friend needs help navigating Medicare or Marketplace health insurance, we highly recommend reaching out to them at 517-939-1981 or Health [at] BeneGuides [dot] com.

Let’s make sure you’re on the right plan for 2025!