adss logo Increase Text Size      |      Decrease Text Size
empty greyspace home area button about us button media button services button contact us button whitespace
whitespace
 


Back

Last Chance to Change Your Medicare Health and Drug Coverage Options Without Restriction

—Fall Open Enrollment Period Ends December 7—

People with Medicare have until Wednesday, December 7, to make changes to their Medicare health and drug coverage without restriction. The changes will take effect on January 1.

“Fall Open Enrollment is ending earlier this year, so now is the time to review all of the options available to you,” said Joe Baker, president of the Medicare Rights Center. “Even if you are happy with your coverage, you may find that your plan is changing its costs and benefits for 2012. It’s important to take stock of your current health and drug coverage and to consider your health and financial needs. If you decide to make a change, make sure to do so by December 7.”

“Comparing plans can be overwhelming and confusing, but you are not alone,” said Neal Morrison, commissioner of the Alabama Department of Senior Services. “Our State Health Insurance Assistance Program [SHIP] counselors are here to provide free, unbiased plan comparisons for you so you can make the best decision according to your individual needs.” Morrison said people with Medicare in Alabama can get help from a SHIP counselor by calling 800-243-5463.

Medicare Health Coverage

Medicare beneficiaries have the choice of receiving their Medicare health benefits through Original Medicare, which is administered by the federal government, or through a Medicare Advantage plan, which is run by a private insurance company.

The Medicare Rights Center urges people to ask questions before enrolling in a Medicare Advantage plan, including the following:

- Will I be able to use my doctors? Are they in the plan’s network and are they taking new patients who have this plan?

- Have my doctors’ experiences with this plan been positive? What problems have my doctors seen with patients in this plan?

- How much will it cost to see my primary care physician? A specialist?

- Do I need a referral to see a specialist?

- What service area does the plan cover?

- What kind of coverage do I have if I travel outside of the service area?

For a full list of questions to ask, go to Medicare Interactive.

People with Medicare who become unhappy with the Medicare Advantage plan they chose are able to switch to Original Medicare and a stand-alone prescription drug plan during the Medicare Advantage Disenrollment Period (MADP), which begins January 1 and ends February 14. They will also have the right to add a Part D prescription drug plan during the MADP. They will not, however, be able to switch from one Medicare Advantage plan to another. People with Original Medicare will not be allowed to make changes during the MADP.

“The Medicare Advantage Disenrollment Period is a limited window of opportunity that can be useful for some beneficiaries,” said Baker. “But it’s important to remember that if you make a change during that time, you may not be able to get a Medigap plan to fill the gaps in coverage, or your Medigap choices may be limited. It’s best to put the time in now to find the best plan for you, because after December 7 may be too late.”

Medicare Prescription Drug Coverage

Medicare beneficiaries who have a Part D prescription drug plan should not only find out if a plan covers their drugs, but also pay particular attention to coverage restrictions, such as quantity limits, prior authorization and step therapy.

For a step-by-step guide to comparing Part D drug plans, go to Medicare Interactive.

The Medicare Rights Center recommends that beneficiaries call the plan to confirm the information they find, and keep a record of the conversation with the plan representative. We also recommend enrolling in a plan by calling 800-MEDICARE rather than the plan itself.

Resources

- Medicare Interactive provides free consumer-friendly information about Medicare benefits, rights and options.
- State Health Insurance Assistance Programs (SHIPs) provide free counseling. To connect with a SHIP counselor, go to SHIP Talk or call 800-243-5463.

For more detailed information about the Fall Open Enrollment Period, please see Medicare Rights.









Alabama.gov     |      Privacy Statement      |      Policies and Standards      |      Disclaimer      |      Text Only Version      |      En Espanol
 
empty whitespace
empty whitespace empty whitespace empty whitespace empty whitespace empty whitespace empty whitespace empty whitespace empty whitespace empty whitespace
© 2014 Alabama Department of Senior Services