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Medicare Open Enrollment Information

Open Enrollment Starts October 15

Medicare Open Enrollment

The annual Medicare Open Enrollment starts on October 15 of every year and ends on December 7.   This is a special time when you can change your Medicare coverage.   But there are important things to keep in mind.  The information below are important tips to keep in mind while deciding on your Medicare coverage for the next year.

The Internet is a powerful way to learn about things (and we are glad you chose to visit the Association’s website).  But, Medicare insurance options can be confusing, complex and can even vary right down to the Zip Code you live in.

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That’s why we make available a directory of local Medicare agents.   A good agent will want to 1) educate you and answer your questions without cost or any obligation, 2) help you understand the options available to you, and 3) be able to compare prices (costs) for Medicare options.

Contacting one or two local Medicare agents could be the best way to get the information you need to make a good decision.

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Medicare’s Fall Open Enrollment – Things To Know

During Medicare’s Fall Open Enrollment, you can change your Medicare coverage.

You can join (enroll in)  a new Medicare Advantage Plan or a new stand-alone Prescription Drug Plan (Part D PDP plan).   You can also switch to Original Medicare with or without a stand-alone Part D plan from a Medicare Advantage Plan during Fall Open Enrollment.

Here are some important things to keep in mind.

  1. If you enroll in a new plan during Medicare’s Fall Open Enrollment, your coverage starts January 1.
  2. In most instances, Medicare’s Fall Open Enrollment is the only time you can pick a new Medicare Advantage or Medicare Part D plan.
  3. If you have Medicare Advantage, you can switch to Original Medicare during Medicare’s Fall Open Enrollment.   To get Medicare drug coverage, you must join a stand-alone Part D plan at this time.   You likely will also want Medicare Supplement (Medigap) coverage but it is vital to speak with a knowledgeable expert to ask about any health qualifications you’ll need to meet and costs which will  depend on where you live.

 

Why Re-Evaluate Your Current Medicare Coverage During Medicare’s Fall Open Enrollment?

If you are on Medicare, you may be very happy with the decisions your first made.  But, Medicare gives you the chance to re-evaluate and make changes.  There are many reasons to re-evaluate.

  1. Your plan cost may have changed.
  2. You may want more choices and options of where you can get care.
  3. You may be taking more or new drugs that impact what you pay.

If you are on Medicare, you may be very happy with the decisions your first made.  But, Medicare gives you the  You can switch to better prescription drug coverage. Using Open Enrollment to switch your drug coverage—or add drug coverage for the first time—can make crucial medications that you need less expensive. It can also ensure that your drug plan still covers the drugs you need (as your prescriptions may not be included on your plan’s formulary for next year).

During Medicare’s Fall Open Enrollment you can switch your Medicare Advantage or Part D plan.  That can potentially save you hundreds of dollars a year.  How?  It will save you money if your current out-of-pocket costs will increase.

During Medicare’s Fall Open Enrollment it really pays to review your Plan D drug plan and costs.  Studies have shown that you might save between $200 and $300 yearly.  If saving is important to you, work with a knowledgeable professional and ask them to help compare Part D coverage options.

During Medicare Fall Open Enrollment it may benefit you if you can find a higher quality plan.   This is a good time to check the quality of your plan using the Medicare 5-star ratings system. Plans with a 5-star rating are considered high quality and those with fewer than 3 stars are considered poor quality.  If your current Medicare plan is ranked as less than a 3, consider using Medicare Fall Open Enrollment to switch to a plan with a higher rating.

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Established in 1999, the American Association for Medicare Supplement Insurance (AAMSI) is an organization created to created heightened understanding among consumers about Medicare Supplement (Medigap) insurance and to support insurance professionals who market Medicare insurance solutions.

AAMSI does not market or sell Medicare Supplement insurance products.

The Association’s Medicare Supplement Find An Agent online directory is designed to be a free service for consumers. Insurance agents pay a nominal fee to be listed and AAMSI does not screen or vet agents prior to them being posted. We always urge all consumers to make sure all information is provided in writing, that you make certain the insurance professional you work with is properly licensed in your State and that you read all material carefully.