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Medicare

You have many options available to you regarding Medicare, and we will explain them thoroughly.

Open Enrollment for 2018 Coverage - October 15 - December 7

The Annual Enrollment Period (AEP) for Medicare Advantage and RX plans (Oct. 15th thru Dec. 7th) is quickly approaching! Please watch your mail for your annual notice of change packet that will be sent directly from the Insurance Company this month. This packet will include any benefit or premium changes for the 2018 plan year. You also have the option of attending a member meetings your current carrier may host in your area.

Please remember that to retain our assistance throughout the year, your agent does need to sign all plan change forms or new applications. These forms may be returned to our office and we will send them in for you and keep documentation proving any changes were submitted before the deadline of December 7th.

Our Agency will also be hosting smaller group appointments for any existing plan members who would like to review the changes for next year and compare with other plans our agency represents. Please stop by your local office after October 1st for more detailed information.

As a reminder, October 15th through December 7th is the only time you are able to make changes to your Medicare Advantage Plan or Standalone RX coverage for 2018.

We look forward to being of service to you during the upcoming Annual Open Enrollment Period. Remember we also have dental and vision options available!

At Your Appointment ...

You’ll want to bring in your current Medicare care and a list of your prescriptions. Be sure to plan ahead so that you can have time to make a decision before the enrollment period ends.

You can also speak to any of our agents about:

  • Adding an Advantage or Supplemental Plan to your current Medicare
  • Enrolling in a Part D (Drug) Plan or
  • Keeping Original Medicare and not enrolling in Part D

2017 Medicare Coverage Changes

Medicare recipients reaching the donut hole will benefit from better prescription drug discounts.

The gap in prescription drug coverage (the donut hole) starts when someone reaches the initial coverage limit ($3,700 in 2017), and ends when they have spent $4,950.

For 2017, while in the donut hole, enrollees will pay 40 percent of the cost of brand name drugs (down from 45 percent in 2016) and 51 percent of the cost of generic drugs (down from 58 percent in 2016). The Medicare Part D deductible will be $400 in 2017.

Medicare Part B premiums will increase for those who didn’t see an increase in 2016.

Part B premiums ended up at $121.80/month for enrollees whose premiums are not deducted from their Social Security checks, and for people who are new to Medicare in 2016.

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Medigap Plans - New Birthday Rule

Medicare supplemental plans (also called Medigaps) help cover the gap in insurance that Original Medicare (Parts A and B) do not cover. Medicare beneficiaries with a policy issued any time after January 1st,1990 now have a yearly opportunity to change plans and carriers as long as switching to the same plan type or one with lesser benefits. Availability to change starts on your birthday and remains available for 30 days. This is guaranteed, regardless of your health. Contact an agent for assistance.

Annual Enrollment for Medicare parts C & D

Each year you have a chance to make changes to your Medicare Advantage or Medicare prescription drug coverage for the following year.  During Open Enrollment Medicare Beneficiaries can:

  • Change from Original Medicare to a Medicare Advantage Plan.
  • Change from a Medicare Advantage Plan back to Original Medicare.
  • Switch from one Medicare Advantage Plan to another Medicare Advantage Plan.
  • Switch from a Medicare Advantage Plan that doesn’t offer drug coverage to a Medicare Advantage Plan that offers drug coverage.
  • Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn’t offer drug coverage.
  • Join a Medicare Prescription Drug Plan.
  • Switch from one Medicare drug plan to another Medicare drug plan.
  • Drop your Medicare prescription drug coverage completely.

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