🎄 Year-End Peace of Mind: Why December Is the Perfect Time to Review Final Expense & Medicare Supplement Coverage

Posted on December 8th, 2025.

As we close out another year and step into the holiday season, many people find themselves reflecting on their health, their finances, and the well-being of the people they love. December is more than a time for celebration—it’s also the perfect moment to make sure your insurance coverage is aligned with your goals for the upcoming year.

At Self-Empowered Financing, we’re driven by the belief that true peace of mind comes from preparation. Our mission is to empower you with knowledge and personalized solutions, ensuring you and your family are protected—no matter what life brings. With a focus on clarity and compassion, we guide you through every step, from understanding your options to securing the right coverage for your needs. Learn more about our mission and team. 

Whether you are preparing for Medicare, already enrolled, or thinking about protecting your family from future burdens, reviewing your Medicare Supplement and Final Expense plans now can set you up for a more secure and stress-free year ahead.

🎁 Why December Is the Best Time to Look at Medicare Supplement Coverage

Even though the Annual Enrollment Period ends in December, Medicare Supplement (Medigap) plans can be reviewed any time of the year. December is the ideal time because:

Rates Often Change at the Start of the Year
Insurance carriers adjust rates in January. Reviewing your plan now can help you avoid paying more than you need to. Rate increases can catch you off guard, so taking action before the new year ensures you’re not surprised by a higher bill.

Health & Budget Goals Are Fresh in Mind
December is when many people are planning for next year’s medical visits, prescriptions, and budget changes. It’s a smart moment to ensure your supplement still fits your needs and financial situation. Your health may have changed, or your expenses may be different—double-check that your plan still aligns.

You May Qualify for Better Pricing
Many seniors don’t realize they may qualify for a rate reduction or can switch to a more affordable plan—without losing benefits. If you’ve never reviewed your Medicare Supplement, December is the perfect time to start. You could save money or get better coverage simply by exploring your options. See how we help with Medicare Supplement reviews. 

🌟 Why Final Expense Planning Matters Going Into the New Year

Final Expense insurance—also known as burial insurance—helps families handle end-of-life costs without financial stress. Most families don’t realize funeral costs have risen 30–40% over the last decade.

It lifts a burden from your loved ones
The holidays remind us how much family means. Final Expense planning is one of the most loving gifts you can leave behind. By having a plan in place, you spare your family from difficult financial decisions during an emotional time.

Rates are based on age, and a new year means you get older
Locking in coverage in December can help you secure a lower monthly rate before your next birthday or before carriers make price changes in January. Waiting even a few weeks can mean higher premiums.

You can make sure your coverage still matches today’s prices
Many people bought a $5,000–$8,000 policy years ago. However, with rising costs, families often need $12,000–$15,000 in protection today. Reviewing your plan ensures your loved ones will be fully covered. Learn more about Final Expense insurance. 

🎯 How Medicare Supplement and Final Expense Work Together

These two plans complement each other perfectly:

Medicare Supplement
Pays for out-of-pocket medical costs Medicare doesn’t cover—like deductibles and coinsurance. This means fewer unexpected bills and more predictable healthcare costs.

Final Expense Insurance
Covers funeral expenses, medical bills not covered by Medicare, and other costs your family may face. It provides a financial safety net when your loved ones need it most.

Together, they create a complete protection package:
Medical bills are covered.
End-of-life costs don’t fall on your family.
Your savings and legacy stay protected.

This is how seniors give themselves and their families real peace of mind going into the new year.

✨ December Checklist: What to Review Before January 1st

Here’s a simple list to help you prepare:

• Do I have the right Medicare Supplement for 2025?
• Am I paying more than I need to?
• Has my health changed this year?
• Do I have a Final Expense plan that covers today’s funeral costs?
• Will my family know exactly what to do when the time comes?
• Do I want to lock in my rate before my next birthday or January price changes?

If you’re unsure about any of these, it’s the perfect time for a quick review. A short conversation with an expert can give you clarity and confidence for the year ahead.

🎉 Give Yourself the Gift of Peace of Mind This December

December may be busy, but taking a few minutes now to review your Medicare Supplement and Final Expense coverage can save thousands of dollars and prevent future stress for your loved ones. A new year is coming—start it feeling protected, confident, and prepared.

If you’d like help reviewing your options or making sure you’re fully covered, contact us at Self-Empowered Financing. We’re here to help you step into the new year with clarity and peace of mind.