Medicare resources For Seniors
If you’re looking for Medicare information, there are several government resources you should know about. Medicare is a United States government health insurance program. Whether you enroll in the federal Original Medicare program or a Medicare plan option from a private insurance company, the government plays a significant role in setting requirements and overseeing coverage. Learn about these Medicare resources.
Several government agencies are involved with Medicare in one way or another. For example:
Medicare is provided through the Centers for Medicare and Medicaid Services (CMS). CMS, which itself is part of the Department of Health and Human Services, administers other health insurance programs as well, such as Medicaid and the Children’s Health Insurance Program. CMS is also involved in administering the Health Insurance Marketplace.
The Social Security Administration (SSA) generally determines eligibility for Medicare. When you apply for Medicare, you apply through Social Security (or the Railroad Retirement Board, abbreviated RRB, if that’s how you receive your retirement benefits). Many individuals don’t have to apply for Medicare; you’re automatically enrolled at age 65 if you’re already receiving SSA or RRB benefits, or if you’ve been receiving SSA or certain RRB disability benefits for 24 consecutive months.
MyMedicare.gov is a free online tool that lets you access your health information, such as your prescription medications and how recently you’ve had vaccinations. Click here for an overview of this practical tool.
Medicare.gov is Medicare’s public website, with plenty of information about coverage, eligibility, costs, and more. Click here for an overview of the government page.
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Medicare Open Enrollment 2019
Are you ready for Medicare open enrollment in 2019? When Medicare open enrollment starts, it’s time to consider your health plans and prescription for next year. Oct. 15 – Dec. 7
For 2019 coverage, open enrollment will run from October 15, 2018, to December 7, 2018. During the annual enrollment period (AEP) you can make changes to various aspects of your coverage. You can switch from Original Medicare to Medicare Advantage or vice versa
Even if you are with your prescription benefits and current Medicare health, you need to ensure that the plan will be similar next year. Because plans do change, and the period after Medicare open enrollment is when those changes will show up.
Open enrolment free consultation
Medicare advantage and drug plans can make changes to the list each year, this is a good time to shop to make sure you have the best suited plan, MA can also add or remove network of doctors and facilities, add or remove additional benefits like dental, vision and hearing.
Who’s open enrolment for? Anyone who wants to make sure they’re on the best Medicare insurance plan that suits them most at the best price
How to Prepare For Medicare Open Enrollment
The Medicare websites provide some tips to evaluate your current Medicare health and prescription plans. They include:
• Compare plans in your local area for cost, coverage, and customer service. You can do some research by contacting a local insurance agent who is a specialist on different Medicare health and prescription plans.
• Gather information about your health needs. This includes your medical providers, your current prescription list and any notices you’ve received from social security, Medicare, and any private health insurance companies about changes to your plan.
• Decide if you would like to keep your current coverage or make a change.
If you’re not entirely satisfied with your current plan or looking for
*Better network of doctors
*Better Drug coverage
It’s a free service to you; Let Us help you compare plans for major carriers
If you decide to consult an insurance expert, search for a Medicare insurance agent who is certified with multiple area plans. It is ideal to do your shopping with a consultant who is not motivated to only push one plan. Understand the differences between Medicare Advantage plans and Medicare supplements. This subject still causes confusion. Although, there is no one right answer for everybody. Some people feel as if Medicare Advantage plans are only for seniors with moderate to low incomes, but some individuals with high incomes are satisfied with Medicare Advantage.
On the other hand, some people, especially those who do not live where a doctor network is convenient, may be happier with a flexible plan like some Medicare supplements, even though they cost more. However, some Medicare Advantage plans will work with any doctor who accepts the plan, so they can also be very flexible.
If you have questions, do not hesitate to consult Medicare or a private Medicare professional. An insurance agent earns a living with commissions from different companies when they do sell a plan. If you can find an agent who is certified and appointed with all, or most, of the local plans, they will not be motivated by that commission to select one plan over another. They will be motivated to find the best plan for you, and keep you as a valuable client.
Do You Need To Find A Medicare Health Plan?
It’s ideal that all recipients of Medicare review their current plan annually versus other plans to ensure they have the best choice for their condition. Check the benefits and pricing to compare pricing.