Make Medicare changes now
Medicare and supplemental health coverage provide a safety net for those age 65 and up, but insurance coverage, at best, can be confusing.
For the nearly 117,000 Montgomery County residents who are 65 years or older now is the time to think about hHaOWh FarH FRYHragH, as OFW. 15 was WhH firsW Gay anG DHF. 7 the last day those with Medicare can make changes to their health insurance plans.
Following are tips from one insurance carrier for those using Medicare.
•EYHn LI yRu’rH haSSy wLWh yRur FurrHnW FRYHragH, LW GRHsn’W hurW WR FRmSarH SOans. 0RsW SOans maNH FhangHs HYHry yHar, sR LW’s wRrWh FhHFNLng HYHn LI yRu FarHIuOOy FRnsidered plans last year. If you still like what you have, do nRWhLng anG yRu’OO auWRmaWLFaOOy bH rH-HnrROOHG Ln yRur Furrent plan.
•OrLgLnaO 0HGLFarH (ParWs A anG B) GRHsn’W FRYHr HYHrything. Take a look at your regular monthly health care expenses and decide what plan covers what you need at the bHsW FRsW. OrLgLnaO 0HGLFarH GRHsn’W FRYHr HYHryWhLng anG has no limits on out-of-pocket expenses.
•0HGLFarH AGYanWagH SOans SrRYLGH aGGLWLRnaO bHnHfiWs. 0HGLFarH AGYanWagH SOans (ParW C) arH anRWhHr RSWLRn WR original Medicare. They provide comprehensive coverage with fewer out-of-pocket costs than original Medicare anG RIWHn LnFOuGH FRYHragH IRr SrHsFrLSWLRn Grugs (ParW D). 0HGLFarH AGYanWagH SOans aOsR RIIHr aGGLWLRnaO bHnHfiWs, such as hearing, dental, vision services, help managing chronic conditions such as diabetes, and additional support after a hospitalization.
•ChHFN WhaW yRur nHWwRrN LnFOuGHs GRFWRrs anG hRsSLWaOs yRu wLOO nHHG. YRur hHaOWh nHHGs Fan FhangH, sR LW’s bHsW WR think ahead to be sure you have easy access to quality health care services.
•0aNH surH yRur SOan FRYHrs WhH mHGLFaWLRns yRu WaNH. ,I yRu’rH buyLng a 0HGLFarH PrHsFrLSWLRn (ParW D) SOan, FhHFN LI WhHrH’s FRYHragH IRr yRur Grugs Ln WhH “GRnuW hROH.” 7hLs is where you are responsible for a certain percentage of charges after reaching your prescription coverage limit and before you reach the yearly out-of-pocket maximum spending limit.
•,I SRssLbOH, GRn’W waLW unWLO WhH OasW mLnuWH WR HnrROO. 7hH extra time helps your insurance company verify your eligibility, get you properly set up in their system, order your ,D FarG, anG HnsurH a smRRWh WransLWLRn IrRm 2012 WR 2013.
•,W’s O. WR FhangH yRur mLnG. FrRm -an. 1 WR FHb. 14, 0HGLFarH bHnHfiFLarLHs Fan FanFHO WhHLr 0HGLFarH AGYantage plan and sign up for a Medicare Supplement, or return to original Medicare.
:hHrH WR gR IRr hHOS. A OLFHnsHG brRNHr Fan SrRYLGH yRu with all the information you need to make an informed deFLsLRn anG HYHn FRmH WR yRur hRmH WR HGuFaWH yRu. AOsR, many health plans offer community meetings about MediFarH. ChHFN wLWh an LnsurHr nRw WR finG RuW.
7hH RIfiFLaO U.6. gRYHrnmHnW sLWH IRr 0HGLFarH, whLFh Lncludes information on related supplemental health plans is at www.medicare.gov.