Call Me to Review Your Medicare Options!
Medicare Annual Enrollment Period for 2021 runs from October 15th through December 7th, 2020.
During the Medicare Annual Enrollment Period, Medicare Beneficiaries can revaluate their coverage options. This is a welcoming opportunity to make changes to Medicare Health Plans.
Maybe you like Original Medicare with a separate Prescription Drug Plan… and to make sure You are totally protected, You add a Medicare Supplement.
Maybe you prefer a Medicare Advantage that includes Prescriptions and has additional ancillary benefits such as dental, vision, fitness, hearing, transportation, and such…
If you like Original Medicare then You might need to make sure you are in the Prescription Plan that will be the least expensive for the Drugs you are on. You also should make sure you are utilizing the right Pharmacy to pay the least out of pocket cost. If you have a Medicare Supplement Plan, you should recognize that the Plans were designed by Medicare and they are standardized… except for the cost.
If you are more inclined to sign up for a Medicare Advantage Plan then you need to understand the difference between an HMO and a PPO. Make sure your doctors are in the network for the least cost-sharing and you should also check that your drugs are covered and be aware of what tier they fall under. If you travel then its a good idea to know what type of benefits you are entitled to while traveling. Ask questions like, How much will be my out of pocket if I end up in the hospital?…
The important thing to remember is… This is your window of opportunity. Don’t stay stuck in a plan that may not be giving you all of the benefits you need or providing you with the cost savings you deserve.
One of the important changes this year is that folks with end-stage renal disease (ESRD) can enroll in a Medicare Advantage. That’s Huge for folks facing that concern.
We need to talk because things don’t always stay the same and you want to make sure you are not caught off guard.
Let’s work together to make sure you are in the right Health Plan for 2021.
Call Me to schedule your Annual Review.