By Jasmine Alberto
Did you know that every year Medicare plans change, and new plans become available? If you or a loved one is on Medicare, the Annual Enrollment Period is a critical time to conduct a plan review. That’s because there could be an opportunity to save money and get better coverage.
The Annual Enrollment Period period began October 15th and runs through December 7th—and is the only time when everyone who has Medicare is allowed to make changes. During this time, recipients receive an influx of marketing from insurance companies. With so many companies and plans out there, it can be challenging for seniors to know who to trust.
That’s why Oded Eran, David Luna, and Michael Scopa founded Connie Health. The free service provides Medicare guidance from local experts—to help those on Medicare save money and get better coverage.
Plan options in Galveston
What are your Medicare plan options in Galveston? You could have Original Medicare Parts A and B, a Medicare Supplement plan, or a Medicare Advantage plan.
If you or a loved one is currently enrolled in Original Medicare Part A, some inpatient costs will be covered, while Medicare Part B covers 80% of outpatient expenses. As an Original Medicare enrollee, you could have out-of-pocket expenses for deductibles, copayments, coinsurance, and other medical expenses. The coverage gap may be costing you more than you anticipated.
Medicare Supplement plans, also known as Medigap plans, can assist you in paying for some or all of the out-of-pocket costs that you may be paying for with Original Medicare. Medicare Supplement plans work in combination with Original Medicare and are not stand-alone plans. And because Original Medicare does not include a cap on out-of-pocket costs, many Medicare enrollees have some form of supplemental coverage.
Medicare Advantage plans help you control costs and have extra benefits. No wonder they are a popular choice for older Americans. In Galveston County, 42% of Medicare beneficiaries enrolled in a Medicare Advantage plan in 2021.
Medicare Advantage plans, also referred to as Medicare Part C, are an alternative way to get your Medicare Part A, Part B coverage, and most plans include Part D. Most Medicare Advantage plans have vision coverage and dental coverage. Some plans also provide enrollees innovative benefits such as wellness and healthcare planning, reduced cost-sharing, and rewards and incentive programs. These are plan benefits that Original Medicare doesn’t offer.
7 essential questions to ask
Whether you’re on Medicare or your loved one is, these questions should be asked during this Annual Enrollment Period—ending December 7th. Each question can determine whether the current plan is the best one for the coming year.
- Do my monthly plan premiums fit my budget?
- Are my monthly premiums increasing?
- Were my out-of-pocket costs too high for my budget this year?
- Are my predicted annual medical costs increasing in the coming year?
- Has my health changed in the past year?
- Are my preferred doctors and specialists in my health plan’s network?
- Do I want more benefits like dental, vision, or hearing?
Not sure how to answer the questions? A local Connie Health agent can provide clarity and a free no-obligation plan review to ensure the right plan for 2022.
Free Medicare plan review
The Medicare Annual Enrollment Period is the only time when everyone who has Medicare is allowed to make changes. And it’s the best time to do a plan review with an agent. Connie Health agents are local and able to meet in-person, or via phone or video call. Whichever is most convenient and preferred.
Once an agent understands health and budget needs, they use Connie Health’s technology to compare all major plans to find the lowest cost and best fit. Connie Health agents live and work in your community, so they know local healthcare options. After enrollment, customers have access to a local care team that helps them find doctors and use their benefits.
“The agent was very knowledgeable and spent the time needed to research plans and drug coverages to fit my needs,” explains Claudia. “I have just the right coverage now at the most reasonable cost.”
Get help from local licensed experts—Call 1-888-647-7330 (TTY: 711) to speak with a Connie Health agent. Or schedule a time to speak before December 7th: conniehealth.com/contact.