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Medicare is a national health insurance program for people who are 65 or older, certain younger people with disabilities, and those with end-stage renal disease.
If you’re turning 65 soon, you’ll have some critical healthcare decisions to make.
If you aren’t sure as to what all the parts of Medicare are, we have compiled all of them for you.
Known as Medigap Plans, Medicare Supplement Plans fill in the “gaps” of medical costs that aren’t covered by Original Medicare, such as coinsurance, copayments, and deductibles.
Medicare Advantage Plans, or Medicare Part C, can be used to substitute Medicare Part A and B, as well as offer prescription drug coverage.
You can enroll in Original Medicare three months before you turn 65 until three months after the month of your 65th birthday.
We have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
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Medicare’s Annual Open Enrollment Period is an excellent option for those looking to change their Medicare plan. It begins on October 15 and ends on December 7 every year. Within this time, you can make changes to your plan and readjust to make sure you have the right policy.
With the Annual Open Enrollment Period, you have the option to make necessary changes to your coverage. Here are the changes you can make during this period:
Do keep in mind that you are not obligated to make changes to your coverage. If you feel that the plan you are enrolled in still meets your coverage and budget needs, you can keep it.
However, reviewing your coverage each year is crucial. The plan’s benefits, provider networks, prescription drug formularies, and costs can change each year. Without reviewing your plan or the notices your plan sends you, you could be sticking with a plan that no longer offers the coverage you need and at the price you want.
There are a few documents of important information your plan will send you. One of these documents is known as the Plan Annual Notice of Change (AOC). You should receive this document every September when changes have been made to your coverage, costs, or service area and will become effective on January 1.
If you do receive this notice, you should review the changes to determine if the plan will still meet your needs for the next year.
Another important document you should receive is the Evidence of Coverage (EOC). This will give you details about your Medicare Advantage or Part D plan coverage and cost changes for the following year.
As you would with the ANOC, you will need to review this information to determine if you should keep your plan or switch to another.
When wondering if you should make changes to your Medicare plan, there are a few questions that can act as a guide:
When looking at all of the different Medicare options, it can be somewhat overwhelming. It’s best to dissect what each plan offers and how that could impact you. If you have questions you’d like answered, our experienced agents can be reached at 402-740-5505.
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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