Existing client service
Keep the current plan unless a better fit is identified.
Use this route for renewal reviews, doctor or prescription changes, household changes, income changes, upcoming procedures, billing issues, ID cards, or a general annual check. This is classified separately from a net-new sales lead when appropriate.
What to include
Current plan or carrier, coverage type, renewal or review reason, doctor changes, prescription changes, household changes, income changes, procedures, or billing issue.
Do not send medical records. A plan name, member-service issue, provider name, prescription list, or document status is usually enough to begin the review.
Service-first
Current-client requests are not automatically newsletter signups and are not written as if a new purchase happened.
If the current plan remains suitable after the network, prescription, benefit, and renewal checks, keeping it may be the appropriate result.
Annual review sequence
Start with changes since the prior enrollment: household, income, doctors, prescriptions, pharmacies, expected procedures, and preferred plan use. Then verify current plan documents and compare only the alternatives that are actually available and appropriate.
After enrollment
For first-premium, ID-card, effective-date, or Marketplace-document questions, use the post-enrollment review. For a focused network check, use the provider and prescription workflow.
A renewal review should preserve what already works. David will compare the current plan's premium, deductible, maximum out-of-pocket, network, formulary, referrals, and plan-year changes against available alternatives. ACA subsidy eligibility, Medicare election periods, and carrier availability must be verified in the current approved system before any plan-specific decision.
Bring carrier notices and a concise list of changes. Do not cancel current coverage based on a quote alone; confirm the replacement plan's enrollment status and effective date first.