With open enrollment for Medicare just around the corner, we created a guide for those who are eligible. Hint: you’re eligible if you’ve reached age 65. Don’t forget to visit our fast facts page for more information and check out five tips to make the most of open enrollment. One of the big things to do during Open Enrollment is review your Part D plan. Here are some tips, specifically for that process.
Open enrollment for Medicare is underway until December 7th and with it comes the opportunity to enroll in benefits for the first time, or review your existing coverage to ensure its meeting your current needs. Medicare plans can change from year to year, and sometimes these changes can hit your wallet and subsequently your health. Open enrollment is the perfect time to do some additional research and make sure you’re getting the right coverage at the best price.
Comparing plans and navigating the process of enrolling in a new plan can seem a bit daunting at first, but it’s imperative to take the time to review them, since selecting the wrong plan might make the medications you require unaffordable or inaccessible. To help, we have updated our resources to give you specifics on plans in each state and tips to make the process as simple and efficient as possible.
If you’re enrolling in Part D for the first time, use these tips to identify the best plan for you. After you’ve familiarized yourself with the general program, Seniors Speak Out also offers state specific resources and information on our “Part D State by State” map. Each state will link you to the number of plans available, the number of beneficiaries enrolled, lowest available monthly premiums, and more. This information will allow you to compare your Part D plan to the others offered in your state and help you make an informed choice.
If you have any additional questions regarding open enrollment, contact your local Area Agency on Aging and schedule a time to talk to someone who’s been trained to help you make the most of your Medicare. Seniors Speak Out offers a map with each state’s contact information here.
Make sure to take advantage of the many benefits offered by Medicare during this open enrollment period so you can stay healthy and active for years to come.
In the last 3 weeks, two of my friends have been diagnosed with very serious illnesses. One is enrolled in Medicare and has Part D coverage and one is not yet old enough to be eligible. Their experiences in accessing the medicines they need have been quite different and have led me to once again appreciate the security and strength that Medicare Part D coverage provides.
Of course the examples of two people cannot tell a whole story but I believe their situations do illustrate two points that all Medicare beneficiaries need to consider:
- How do we best learn about and utilize all of the benefits Medicare Part D provides?
- How do we support efforts to protect the Medicare coverage we have?
Over the next few weeks I have invited several people with great expertise in Medicare to help answer these questions. I also hope you will send in your questions, ideas, and concerns. I promise we will respond!!
Together we can work to protect against any threats to our Medicare Part D coverage.
Remember — your voice makes all the difference!!!
Thanksgiving weekend has been a traditional time for discussion and consideration of Medicare Part D plans. This year, as families gather, both Medicare beneficiaries and younger family members may be considering their various healthcare coverage options. It’s a great thing to do because plans and coverage needs can and do change from year to year!
The tools Medicare has provided on its website, www.medicare.gov, have become even more streamlined and user friendly over the years, and surveys consistently show that those of us who use them appreciate that convenience as well as the coverage we receive.
So, if you haven’t already done so, take a break from that post-turkey-dinner nap, non-stop football, or Black Friday shopping and go over your Part D coverage! Don’t forget to also check out all of the resources that are available at www.SeniorsSpeakOut.org! They will get you prepared for the tasks at hand.
Remember, www.medicare.gov is ready and waiting all the time, and though Medicare’s call center is closed of Thanksgiving Day, you call them bright and early Friday morning or any other time including the weekend at 1-800-633-4227.
Have a safe and wonderful Thanksgiving!
Earlier this week on the blog, we laid out the simple steps you can take to compare plans and shop for coverage using the online tools, such as the Plan Finder, available at www.medicare.gov. Of course, there are people of all ages who are not comfortable putting all their information into a computer – or at least trying to do it without help. Fortunately, Medicare understands this. If you would rather have an in-person discussion or talk to a specialist on the phone, those resources are available as well.
The initial steps to shopping for coverage are the same whether with a representative or online. Begin by making a list of the medicines you take and the dosage. Next, decide whether you want to get most of your medicines, especially the ones you take regularly, by mail or at a local pharmacy. You’ll also need your Medicare card available which will have key information like your Medicare number and the date you became enrolled in Medicare.
If you don’t use a computer or have one available, you can call your local Area Agency on Aging and make an appointment to meet with the SHIIP Counselor who can help you compare available plans. You can find information on local agencies using our online mapping tool. When you go, remember to bring your medication information and your Medicare card with you when you go.
Additionally, you can speak to a Medicare counselor over the phone any day of the week by calling 1-800-MEDICARE or 1-800-633-4227. A live person will walk you through any questions or concerns you have along the way. They are available 7 days a week excluding federal holidays.
How long will this process take? Probably about an hour or so. Not long, but enough time to maybe save you money or at least confirm that you are getting the best coverage you can for the medicines you take.
Finally, you can always get information directly from the plan you are interested in. To do this, go to the Plan Finder on the Medicare website, follow the directions, and you will get a list of plans in your area. Click on the name of the plan in order to obtain the contact information. You can also call a local SHIIP Counselor to get plan contact information.
Have you gone through the paper enrollment process? Any guidance you would share with fellow seniors? We’d love for you to sound off in the comment section or through our Facebook page to let us know about your personal experience.
It is interesting to hear younger people talk about how hard it is to choose health insurance plans. They’re right. Evaluating all the intricacies of multiple plans can at times be a significant challenge. That’s why Medicare beneficiaries are incredibly fortunate. We have easy-to-use tools and real people to help us compare choices and select the Part D plan that’s right for us.
A quick visit to the Medicare Plan Finder website is all you need to get started using the tools that are available to compare plans. So, if you are thinking about reviewing your Medicare Part D plan options now that it is open season – and you really should be thinking about it – here are some easy steps to follow.
Begin by making a list of the medicines you take and the dosage. Next, decide whether you want to get most of your medicines, especially the ones you take regularly, by mail or at a local pharmacy. With that information, a laptop or tablet computer, a phone, and your Medicare card, you are ready to go.
Once on the Medicare Plan Finder website, you will be asked if you want to look broadly at all of the plans available in your area or do a more personalized search which requires providing your name, Zip Code, Medicare Number, date of birth, and the year your Medicare coverage became effective. All of that information can be found on your Medicare card. If you or someone searching for you has never put in your information before, you should use the General Search option.
Continuing with the General Search, you next have to provide some information about yourself and your income and Medicare status as well as the list medicines you take and their dosage. All of this is necessary to help narrow down the list to plans that are right for you.
If you have searched for coverage before, it’s even easier. Simply choose the Personalized Search option and it will automatically reflect the information you provided the last time you compared plans. It will also give you the chance to update the information with any changes or additions.
From that point on, just follow the directions on the screen until you have a number of choices that you are comfortable working with, or in some cases, a single choice that best meets your needs. You can always go back and change the search data to get more or fewer choices.
But the best news is that if you need help or have questions, — day or night, weekday or weekends — you can call 1-800-MEDICARE or 1-800-633-4227 and speak to a live person. They’re available anytime except federal holidays.
Watch the blog for more information this week about the resources available to you if you’d rather not search for a plan online. In the meantime, let me know what your experience has been like with the online tools – both good and bad.