Medicare Open Enrollment began on October 15th and runs until December 7th. Now is the time to evaluate your current Medicare plan and make sure you have the best health care coverage for 2018.
Ask yourself these 3 questions:
1. Can you afford your current plan?
Look beyond the monthly premium price and calculate your co-pays, deductibles, and prescription drug coverage. Your current plan may offer more than you need, and you could be paying for benefits you’re not using. Check to see if a less expensive plan would be a better fit for you.
2. How much traveling will you do next year?
Original Medicare can be used nationwide at any provider who accepts Medicare. However, Medicare Advantage plans typically have networks that limit coverage to a specific geographic area. Seniors who travel frequently often opt for original Medicare; however, some providers are experimenting with portable PPOs that offer coverage options for travelers.
3. Were you recently diagnosed with a new illness?
Anyone diagnosed with a new condition should confirm that their expected providers and prescriptions will be covered under their current plan. If not, it’s time to start looking for a new policy. Some companies offer case management or other services intended to help patients manage certain conditions such as diabetes or hypertension. Those with chronic or serious ailments may want to look for plans with this feature.
If you are unsure of what to do regarding your Medicare coverage, call Beacon Associates today. Do not delay! Open enrollment is happening now! We can answer your questions and help secure your appropriate Medicare coverage for 2018.
Information collected from Questions to Ask Yourself During Medicare Open Enrollment
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