GO Physical Therapy & Wellness Guides You With Your Medicare Open Enrollment By Sharing Resources To Make Your Medicare Choices Easier
Medicare open enrollment for the 2015 season begins October 15th and continues to December 7th. This is the time when those on Medicare have the option to change or enroll in a new or different plan for their Medicare coverage, and especially the Part D portion. Part D is the portion of your Medicare insurance coverage for drugs/prescriptions and many other items that can be covered under the Part D portion of your plan.
During Open Enrollment you can also shop around for a secondary insurance coverage that compliments your Medicare coverage. Secondary coverage is an additional insurance plan that can help make sure you are covered the best way possible; mainly by taking over where your Medicare coverage ends. For example if Medicare pays for 80% of a procedure, your secondary insurance will pick up certain costs and amounts according to the plan type you choose.
Getting Professional Help With Medicare Open Enrollment
The National Council On Aging (NCOA) offers a handy online tool that can literally guide you step by step. Simply start at this button on the My Medicare Matters page.
The NCOA suggests keeping the 4C’s in mind when thinking about renewing or changing any of portions of your insurance coverage; whether it’s only for Part D or for secondary insurance to compliment your Medicare plan.
The 4C’s Are:
You want to make sure that each of these areas covers your needs. Utilizing the My Medicare Matters page will help you through each of these specific areas. The best part is that you have the guidance of professionals by using the NCOA’s page. This is often better because utilizing agents or a specific insurance company’s online tools they have a reason to steer you towards their product line. While they will still be able to find the best product for you that THEY offer they obviously don’t help you weave through the many companies out there trying to sell you their particular plans.
We highly suggest that you take the Medicare QuickCheck™ by answering a few questions about your current Medicare, Part D, and supplemental coverage. If you’re unsure about the type of coverage you have ask someone in your family to help you or answer the questions as best as you can. You will be given an option to have a professional certified insurance agent go over your coverage with you also. Again, we highly recommend you do this with someone else there (even if you are talking on the phone with the agent) so you are certain that all of your questions are answered. Having an extra set of ears to help you listen is always a plus!
Keeping Safe During Open Enrollment
Medicare open enrollment time is a very common time when scammers will attempt to confuse you and get personal information from you! Don’t fall prey!
- Never give out your social security number unless you are talking directly with a person that YOU contacted. Even if you have contacted the people you are talking to, make sure that someone else is there to work with you in making your decisions; especially when deciding what information to share.
- If someone calls YOU about open enrollment do not give out information or answer questions. The government does NOT contact you during the open enrollment time period to see if you want to change your plans, etc. Simply hang up your phone up if you are unsure.
- Use only secure sites (you can tell if a site is secure by the beginning of the url or link starting with https: and you will see a lock in either the URL bar or at the bottom corner of your browser. If you aren’t certain, ask someone who is handy on the computer to help you.
- We suggest using only government sites when looking for information about open enrollment and what is available to you. These sites won’t ask for specific information such as your social security number, bank account information or credit card.
Open enrollment doesn’t have to be confusing. If you aren’t sure or feel uncomfortable about any point of the process you can stop and ask someone you know to guide you. Remember you have from October 15th to December 7th 2014 to make changes in your Medicare Part D and supplemental insurance programs; also known as the open enrollment time.
Dedicated To Your Health & Well-being (and safety),
Cited websites & works for this blog:
NCOA (National Council On Aging) My Medicare Matters Page by the NCOA