"Medicare Open Enrollment is also called an Annual Election Period," said
"It goes from
The Open Enrollment is a yearly opportunity for people to review their health insurance and make changes related to their
"Any enrollment changes made during this time will take effect
"If you're in a
It makes no difference whether an individual is enrolled in original
This is why many people choose to get a Medicare Supplement Plan.
"Then you will also need a prescription drug plan," Pers said. "If you don't enroll in a prescription drug plan in a timely manner, then you will incur a penalty that will last for the rest of your life."
Upcoming clinics will also be held in
"We did it last year, and it was very successful," Pers said.
"I think it's going to be even bigger this year. Many people may not realize that Medicare Savings Programs exists to help individuals and couples to pay for their
FIND A PLAN
Medicare Prescription Advantage Drug plans are popular.
"They come with Part A, Part B and Part D, all in one private plan," Pers said.
"And sometimes, they give you extra benefits. This year, we have three plans that offer a decent dental package where you can get your teeth cleaned. And there are a couple that have a vision benefit. It's really worth it to review the changes because every year these
Enrollees should have received their annual notice of change at the end of September.
"That's from your current plan," Pers said.
"It's telling you about the different things in their plan. Then, you have the right to switch your plan during Open Enrollment. The one thing I also want to say is never feel pressure to sign up with any plan. If you are happy with your current
Enrollees should make sure their drugs are still on the formulary of their existing plan.
"Because if they're not, you're not going to get that cost-sharing, and those drugs can be rather expensive if they're not on the plan formulary," Pers said.
"Medicare.gov has a plan finder. We're going to be assisting that day with the plan finder for the folks that are
SORT AND CHOOSE
The plan finder can sort different ways.
"Most people always want to sort it the least out of my pocket," Pers said.
"Some people sort it, 'I like that health-insurance company so I want to stick with them.' Other people might sort it other ways. There are several different ways to sort it but we will be there to give everybody their options. By coming to this, we are a source of non-biased information. We actually are going to show you everything that is available to you in
Health-insurance agents are a good resource to use after attending a clinic.
"It would be appropriate to go to the agent and get that one-on-one enrollment service, however we can also help enroll right online at medicare.gov," Pers said.
At the clinics, Pers and other staffers will help people determine whether they are eligible for Medicare Savings Programs.
"We will show them ways that they could potentially be eligible by enrolling in a plan that had a health-care premium because they're allowed to take health-care premiums off of their income in order to be eligible for a Medicare Savings Program," Pers said.
"We're going to help people understand what their options could be with those programs."
WHERE & WHEN:
Please bring the following with you:
--List of your prescriptions, dosage/frequency
--Any other health-insurance cards or information, including how you currently pay for your prescription drugs
--Documentation of monthly or annual income
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