If you missed the Medicare annual open enrollment period, eligible beneficiaries can still enroll in a health plan without penalty if he or she qualifies for Special Enrollment Period (SEP). AgeWell New York offers Medicare educational seminars to help you navigate eligibility and enrollment during SEP.
These are a few important items to keep in mind, so you can get the most out of attending a Medicare seminar to help you make the right decision about your Medicare coverage.
• Original Medicare vs. Medicare Advantage Plans. What’s the difference? What are the pros and cons? You should have all your questions answered and know all your options before making a decision.
• Medicare and/or Medicaid eligibility. Some plans offer options for those with varying levels of Medicare and those with Medicare and Medicaid. Talk to advisors about your levels of Medicare and or Medicaid and find out if there are plans options best suited for your health and personal care needs.
• Enrollment periods and late penalties. The enrollment period for Medicare is up to three months prior to turning 65 and three months after turning 65, but there are a few special enrollment opportunities for which you could qualify. You should be aware of late enrollment penalties and when you could be eligible to enroll in a Medicare plan.
• Provider Network: Health plans are continually expanding and/or modifying their provider networks. Find out if your primary care physician or specialists are in the plan’s network. If they are not, ask about making a request for the plan to reach out to your physicians to invite them to participate in the network.
• Health and Wellness Benefits: Many Medicare Advantage plans offer various health and wellness benefits over and above what is provided by Original Medicare. These may include dental, vision, hearing, transportation, over the counter (OTC) drugs and products, alternative medicine and fitness programs. A Medicare seminar is the place to find out which benefits the plan covers and you can access these benefits.
• Care Navigator or Care Manager: Some plans give you access to a Care Navigator or Care Manager. These professionals are assigned to assist you with accessing providers and health services, supporting your medication management, setting up a care plan based on your clinical and functional requirements and ensuring that you receive routine screenings and preventative services. Find out if these services are available to you and how it works.
• Drugs in Formulary: Be aware of the plan’s formulary and if the drugs your physician is prescribing is included. Ask the plan about their process for you to request consideration that your drugs be included.
AgeWell New York offers Medicare Advantage Prescription Drug Plans and Managed Long Term Care Plans, serving communities in the New York Metropolitan area. Contact us today to attend a free Medicare seminar in your community at (718) 696-0205, firstname.lastname@example.org or visit agewellnewyork.com/diners.