If you need to enroll in a Medicare health and drug plan, open enrollment begins October 15th and ends December 7th. Each year Medicare plans can change things like cost, coverage, and what providers and pharmacies are in their network. If you are already enrolled in a Medicare plan, it is wise to review your plan every year during open enrollment to ensure you have the coverage that you need. Any changes you make during the fall open enrollment will take effect January 1st.

The best way to enroll in a new plan is to call 1-800-MEDICARE. You should write down everything about the conversation when you enroll including: the date, the representative you spoke to, and any outcomes or next steps. Before you enroll in a new plan you should also confirm all the details about the new plan.

If you already have a Medicare Advantage Plan or a Part D plan, you should receive an Annual Notice of Change (ANOC) and/or Evidence of Coverage (EOC). Review these notices for any changes in the plan’s cost, benefits, and rules for the upcoming year. If you are not satisfied with the changes that are being made, now is the time to take action!

There is help out there! If you need help finding a Part D plan, you can access the plan finder tool by following this link: www.medicare.gov/plan-compare/#/?lang=en&year=2021. If you want to join a plan, first call 1-800-MEDICARE to find out which plans are in your area. Once you receive the list, check the plans websites to see which best fits your needs. After researching your plan online, call the plan itself to confirm what you have learned.

Navigating through Medicare coverage can be difficult! You can call or visit the website of your State Health Insurance Assistance Program (SHIP). Your local SHIP can help you understand your Medicare coverage options and help you understand any changes. If you need further assistance, Vince Hrobat Insurance Agency will be happy to help you! Give us a call at (216) 524-2007 or visit us online at www.hrobatinsurance.com.

Sources: www.cms.gov/Outreach-and-Education/Reach-Out/Find-tools-to-help-you-help-others/Medicare-Open-Enrollment