Our knowledgeable group of experts can help you understand your options and get the care you need. Our services are complimentary! Fill out the form today and we will help you:
1) Review Your Policy
2) Change to a New Plan
3) Keep Your Plan
Here’s some useful information our experts can help you evaluate during Annual Enrollment Period.
- Joining a new Medicare Advantage Plan or stand-alone prescription drug plan (Part D) plan
- Switching between Original Medicare with or without a Part D plan and Medicare Advantage
Important Things to Remember about Annual Enrollment Period (Oct. 15 – Dec. 7th)
- Any change you make during Fall Annual Enrollment Period will take effect January 1.
- In most cases, Fall Annual Enrollment Period is the only time you can pick a new Medicare Advantage or Part D plan.
- If you have Medicare Advantage, you can also switch to Original Medicare. To get drug coverage, you should also join a Part D plan.
- Depending on where you live, you may be able to buy a Medigap policy, which helps pay Original Medicare costs. Limitations apply as to who can buy a Medigap and when.
Review your current Medicare health and drug coverage. If you are dissatisfied with your coverage, it’s important to make changes NOW.
- If you have Original Medicare, take a look at next year’s Medicare & You handbook to know your Medicare costs and benefits for the upcoming year.
- If you have a Medicare Advantage Plan or a Part D plan, you should receive an Annual Notice of Change (ANOC) and/or Evidence of Coverage (EOC) from your plan. Review these notices for any changes in the plan’s costs, benefits, and/or rules for the upcoming year.
- Even if you are satisfied with your current Medicare coverage, look at other Medicare options in your area that may better suit your individual needs in the upcoming year. For example, check to see if there is another plan in your area that will offer you better health and/or drug coverage at a more affordable price. Research shows that people with Part D could lower their costs by shopping among plans each year. There could be another Part D plan in your area that covers the drugs you take with fewer restrictions and/or lower prices.
Understand the difference between Fall Annual Enrollment Period and Open Enrollment for the state or federal Marketplaces.
- The federal Marketplaces (also known as Exchanges) offer annual open enrollment periods for uninsured and underinsured Americans. This enrollment period may overlap with Fall Annual Enrollment Period. The Marketplaces are typically not meant for people with or eligible for Medicare.
- If you have or are eligible for Medicare, you should only use the Fall Annual Enrollment Period (October 15 through December 7) to make changes to your Medicare coverage.