--- title: "Medicare Advantage Plan Change Reviews: The Agent Workflow [2026]" description: "Annual notices land before AEP opens. A step-by-step workflow for reviewing plan changes across your book and reaching the affected clients first." url: https://unlockedcrm.ai/blog/medicare-advantage-plan-change-review-workflow canonical: https://unlockedcrm.ai/blog/medicare-advantage-plan-change-review-workflow category: "Health & Medicare" published: 2026-08-22 updated: 2026-08-22 last_updated: 2026-08-22 author: "unLocked CRM Team" publisher: unLocked CRM source_url: https://unlockedcrm.ai/blog/medicare-advantage-plan-change-review-workflow summary: "Plan-change data arrives before AEP. Segment the book by plan and county, flag benefit, network, and formulary changes, prioritize by impact, collect SOAs early, and run multi-carrier comparisons so t…" license: Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/medicare-advantage-plan-change-review-workflow source: unLocked CRM — AI CRM for insurance agents --- # Medicare Advantage Plan Change Reviews: The Agent Workflow [2026] ## TL;DR Plan-change data arrives before AEP. Segment the book by plan and county, flag benefit, network, and formulary changes, prioritize by impact, collect SOAs early, and run multi-carrier comparisons so the client hears from you before the notice confuses them. ## Key data points - Medicare Advantage plan-change reviews should be segmented by plan and county, prioritized by formulary and network impact, and completed before AEP opens. # The Medicare Advantage Plan Change Review Workflow Every AEP has the same losers: agents who found out what changed at the same time as their clients. Plan-change information is available before the window opens. The work is turning it into a prioritized call list. ## Step 1: Segment by plan and county Impact is geographic. A plan change that is neutral in one county can be severe in the next. Group the book by plan ID and county before looking at anything else. [Medicare CRM](/medicare-crm) holds this segmentation on the client record. ## Step 2: Score the change types In order of how much clients actually care: 1. **Plan exit / non-renewal.** Mandatory contact. These clients will be enrolled by someone. 2. **Network removal** of a current physician, hospital, or system. 3. **Formulary changes** — tier moves, removals, new restrictions on a drug they take. 4. **Cost-sharing changes** — MOOP, copays, specialist tiers. 5. **Supplemental benefit changes** — dental, OTC, transportation. 6. **Premium changes.** ## Step 3: Build the tiered call list - **Tier 1:** exits, non-renewals, and network loss. Call in the pre-AEP window. - **Tier 2:** formulary hits on a known medication. - **Tier 3:** cost-sharing and benefit trims. - **Tier 4:** everyone else — templated outreach plus a scheduling link. [Renewal automation](/renewal-automation-for-insurance-agents) can surface the material-change list automatically with revenue at risk attached. ## Step 4: Collect SOAs early An SOA collected in September is an appointment in October. An SOA collected in October is a delay. Automate the request, the waiting period, and the retention through [compliance automation](/compliance). ## Step 5: Run the comparison before the call Pull comparable plans across carriers so you arrive with options, not questions. unLocked CRM quotes across **1,139 health carrier integrations**. ## Step 6: Deliver and document Send the comparison by SMS and email during the appointment, record what was presented, and store the enrollment trail with the client record. That is retention and audit protection in one action. ## Step 7: Work the remainder at volume [AI outbound calling](/ai-outbound-calling) handles Tier 3 and 4 so your human hours go to Tier 1. [Start a 14-day free trial](/signup) before AEP prep begins. ## FAQ ### undefined ### undefined ### undefined ## Related - https://unlockedcrm.ai/blog/health-coverage-reshopping-surge-2026 - https://unlockedcrm.ai/blog/medicare-advantage-scrutiny-agent-compliance --- Source: [Medicare Advantage Plan Change Reviews: The Agent Workflow [2026]](https://unlockedcrm.ai/blog/medicare-advantage-plan-change-review-workflow) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/medicare-advantage-plan-change-review-workflow.