Adler Insurance explains Medicare Annual Open Enrollment in Prescott

Turning 65 is one way you become eligible for Medicare. You can also be under 65 and be eligible for Medicare because you are receiving Social Security Disability Insurance, or SSDI. Open enrollment is the only time people with Medicare can change their health and prescription drug coverage for the following year. Adler Insurance, your Medicare expert in Prescott, is here to help you make sense of Medicare’s 2019 Annual Election Period (also known as Open Enrollment).

Open Enrollment Changes:

• During Open Enrollment you are allowed to change your Part D or Medicare Advantage (MA) plan.
• MA or drug plans can change drug coverage lists each year.
• Your Medicare Advantage plan can also change their network of facilities and physicians
• MA and drug plans can change how they cover medical services.
• MA and drug plans can drop additional benefits like dental, vision, and hearing.

When is Medicare’s 2019 Open Enrollment?

• Medicare’s Open Enrollment is October 15 to December 7, 2018. The effective date of the plan will always be January 1st.
• Because of the potential changes as listed above, this may be a good time to look at your options!

Does Medigap have an Open Enrollment for 2019?

• No. You can switch from one Medigap plan to another during this time, but you will have to answer medical questions. 
• If you want to switch from Medicare Advantage to Medigap, you will also be required to answer medical questions. There may be a exception if you qualify for special enrollment.

Medicare Open Enrollment is the time to shop around to make sure you have the best plan for your needs. Adler Insurance, your Medicare expert in Prescott, is here to help. If you have questions about Medicare coverages, give the experts at Adler Insurance a call at 928-710-1455. Learn more about Medicare and the other services we offer at http://www.adlerlifehealth.com.

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Adler Insurance shares information on choosing a Medicare drug plan in Prescott

If you would help in choosing the best Medicare drug plan for you in the Prescott area, please give Adler Insurance a call. Here are the basics of signing up for a Medicare drug plan:

• If you do not have a Medicare Advantage plan that includes Part D drug coverage, you must sign up for it separately.
• You should be signing up for Medicare Part D at the very same time that you enroll in Part B. Do not procrastinate, even if you do not take any prescription drugs regularly right now. Waiting to sign up will cause an extra charge on your premium for every month that you waited. (The only way to avoid this penalty without signing up for Part D is having equivalent drug coverage, called "creditable" coverage. This coverage must come from another source, such as a retiree plan. Your plan administrator can tell you if your plan is equivalent.)
• Choosing a plan that is right for you can save you thousands of dollars each year in premiums and out-of-pocket drug expenses. It is important to review your Part D coverage every year at open enrollment. This especially important if you have started taking new prescription drugs.
• Every plan has a star rating. A five-stars is the best. Star ratings are based on factors like how well and promptly the plan handles coverage appeals, customer service, and how many people have complained about the plan.

Choosing the right Medicare drug plan is a decision that can be difficult to make without the help of a professional who understands the various plans offered. If you need to choose a Medicare drug plan in Prescott and don’t know quite where to begin, give the experts at Adler Insurance a call at 928-710-1455. To learn more about life insurance or Medicare options, please visit our website at http://www.adlerlifehealth.com.

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