In SituationsView all situations →
My doctors or medications are changing.
A new prescription or a doctor leaving your network can quietly change what your plan is worth. Here’s how to check before it costs you.
What’s actually happening
Plans change every year — and so does your health.
Drug formularies and provider networks change annually. A plan that fit last year may not fit now. The fix is to re-check two things before you need care.
Re-check two things
The formulary, and the network.
01
The formulary
Drug coverage changes every year. Confirm your specific medications are still covered — and at what tier.
02
The network
If a doctor or hospital leaves your plan’s network, your costs can jump. Verify before you need care.
When you can act
The Annual Enrollment Period is your once-a-year window.
From October 15 to December 7, you can switch plans to fit the new reality — a different drug plan, or back to Original Medicare. Outside that window, changes are limited.
Talk it through
Not sure if your plan still fits?
Describe your situation in your own words. Fern sorts what matters and tells you what to verify next. Not a sales tool. Not a plan picker.
Talk it through with Fern →One defined situation. One focused track.
Annual Medicare Review — a Guided Track built for this.
The Annual Medicare Review Guided Track walks you through a structured comparison of your current plan against what's available — drug coverage, network, premiums, and out-of-pocket exposure — so you can make a confident decision before the AEP window closes.
Brand-new to Medicare? Start with the basics instead.
Go to “I’m turning 65” →Not sure where to go next?
You can ask Fern a question in plain language, find the path that fits your situation, or get the Sunday Letter — one note a week, no pressure.
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