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Medicare Open Registration Time — MEDI Helps [Column] – Daily Local

It’s time again — it’s time to remind anyone who wants to see or change Medicare coverage to have an open Medicare registration here. The annual open registration period for 2022 is from October 15, 2021 to December 7, 2021. This year, free health insurance counselors will be available in multiple locations through the MEDI (PA Medicare Education and Decision Insight — formerly known as APPRISE) program. The entire state, especially Chester County. Most appointments for this year will take place over the phone.

Here’s how to get additional information and schedule a free booking: If you are in a county other than Chester County, you can call 1-800-783-7067 to connect to the county’s PAMEDI.

If you are a Chester County resident, you can check https://www.chesco.org/477/PA-Medicare-Education and log in online for information.

To contact the Chester County PAMEDI AOEP Helpline directly, call 610-344-5234. You can also call the Chester County Government Service Center at 610-344-6035 to schedule individual bookings. Additional phone locations are located at several senior centers throughout the county.

For email, please send an email to smilam@chesco.org.

This is some of the things you need to know.

If you are currently on a Medicare Advantage plan and want to know the options to switch, or if you have a Medicare supplement but have Medicare D covering prescription medications, Medicare Open Enrollment is a decision regarding your particular Medicare plan. Is the time to take place. next year.

You may have already received it, and you can expect to receive many glossy leaflets from health insurance companies that often do not help you make decisions. Recognizing this is also a reason to contact a volunteer counselor such as MEDI.

First of all, if you’re confused, this is not surprising. Choosing an insurance plan is often complicated.

Second, decisions are not always based on the cost of monthly premiums.

For prescription drugs, you need to consider whether you are using, plan to use the drug and its tier, or whether it is considered a specialty drug.

As for health insurance, I would like to know what I am covered and what I will pay for serious illness.

Generally speaking, a Medicare supplement plan may have certain advantages over a Medicare Advantage plan, especially if you are likely to move or become seriously ill.

If you’re happy with what you have and are currently planning a Medicare plan, you may be okay. This is a time to consider and does not necessarily need to be changed.

Before you make a decision, be aware of what you are planning. For example, if you’re 65 or older, especially if you’re working full-time for a large employer, your employer’s plans are likely to be first and Medicare is likely to be second, which is currently large. You don’t have to make a decision.

If your coverage is individual through yourself, do you have only basic Medicare, have basic Medicare and Medicare supplements (Medigap), or do you have a Medicare Advantage plan? Please know. It’s not always easy to say. Medicare supplement plans are usually described in text. If you have letters related to your plan, such as G, H, N, it’s probably a Medicare supplement (see your health insurance card). If you have the benefits of dentistry, eyesight, silver sneakers, etc., it’s probably a Medicare Advantage plan.

Once you know if you have a Medicare supplement or Medicare Advantage, here are some considerations.

Individuals may sign up for a Medicare Advantage plan, recognizing that premiums are cheap. When the same individual becomes seriously ill, they may find that their Medicare Advantage plan is limited or unacceptable to a particular doctor or hospital. Medicare Advantage Plans are limited to specific regions. So, for example, if you have a plan in Pennsylvania and you want to move to Ohio, you need to apply for another plan. Medicare supplement insurance is accepted by all doctors or hospitals that accept Medicare.

Later, if you already have a Medicare Advantage plan and want to switch to a Medicare supplement, you will need to pass a medical underwriting to qualify for a Medicare supplement.

If you are confused, ask for help. The free Chester County MEDI program with resident volunteers is great.

Janet Colliton, Esq. Is a Certified Elder Lawyer of the National Elders Law Foundation approved by the Supreme Court of Pennsylvania and the American Bar Association, and her business is Colliton Elder Law Assocs, PC, Elders Law, Special Needs, Protection, Real Estate Planning, And limited to real estate management. 790 East Market St., Suite has offices. 250, Westchester, colliton @ collitonlaw.com. She is a member of the National Academy of Elderly Lawyers and, along with Jeffrey Jones of CSA, is a co-founder of Life Transition Services, LLC, a service for families in need of care.

Medicare Open Registration Time — MEDI Helps [Column] – Daily Local

Source link Medicare Open Registration Time — MEDI Helps [Column] – Daily Local

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