Medicare open enrollment underway, new adjustments to plans and website | Straight from the source


From Department of Health and Social Services:

Open Medicare enrollment begins Saturday, October 15 and will remain open through December 7, 2022.

Medicare’s open enrollment period gives people with Medicare the option to make changes to their health plan or prescription drug plan, choose a Medicare Advantage plan, or switch back to original Medicare ( also called Medicare Part A and Part B). Health insurance plans may change their offerings and costs each year, and individuals’ health needs may also change from year to year. Now is the time for people with Medicare to review their coverage options and make the choice that best meets their health care needs.

The Biden-Harris administration has made expanding access to health insurance and lowering health care costs for American families a top priority. Last month, the Biden-Harris administration announced that people with Medicare would see lower average premiums for Medicare Part B, Medicare Advantage and Medicare Part D prescription drug plans in 2023.

This year, thanks to the Cut Inflation Act that President Biden signed into law in August, Medicare enrollees will also see lower insulin and vaccine costs starting in 2023. Starting in 2023, all Medicare recipients who take insulin covered through their drug plan or through a traditional pump covered by Original Medicare will pay no more than $35 in cost-sharing for a month’s supply of each covered insulin product. People with Medicare will also not pay a deductible for each insulin product covered. In addition, people covered by Medicare will pay nothing out of pocket for adult vaccines recommended by the Advisory Committee on Immunization Practices (ACIP) – including the shingles vaccine and the tetanus-diphtheria-pertussis vaccine. . More information on the Inflation Reduction Act and these changes is available on line.

“This year, more than ever, it’s critical that people with Medicare review and compare their options to find the coverage that best suits their needs,” HHS Secretary Xavier Becerra said. “Through the Inflation Reduction Act, we are reducing the cost of insulin and vaccines for the more than 64 million people on Medicare. The Biden-Harris administration is unwavering in its commitment to strengthening Medicare, and we will continue to do everything we can to reduce costs and improve benefits.

“We are committed to providing comprehensive, easily accessible information to help people on Medicare with their decision-making,” CMS Administrator Chiquita Brooks-LaSure said. “Medicare.gov makes it easier than ever to compare coverage options and find plans. People can do a side-by-side comparison of plan coverage, costs, and quality ratings to help them more easily see the differences between plans.

Since 2021, CMS has introduced a number of improvements to Medicare.gov to optimize the customer experience and create a more welcoming and user-friendly experience. Improvements include a new design Medicare.gov homepage, the addition of pricing details to the Medigap policy comparison, a simplified landing and summary on the health insurance plan search tool, and a redesigned “Talk to Someone” section to find additional help and contacts. All of these enhancements improve the overall experience, making it easier to navigate and access information to compare and select healthcare and drug coverage and find providers.

Medicare’s Open Enrollment Period takes place each year from From October 15 to December 7coverage changes taking effect January 1st.

Things to Consider When Purchasing Health Insurance Coverage

  • There are two main ways to get your Medicare coverage – Original Medicare and Medicare Advantage (Medicare-approved plans from private companies).
  • There are differences between the two that are important to understand when choosing your coverage.
  • If you choose a Medicare Advantage plan, check with your health care providers to confirm that they are part of a plan’s network.
  • If you choose a Medicare drug plan, check to see if your prescriptions are included in the plan formulary.
  • Remember that a low monthly premium is not always the best overall value for your specific needs.
  • Review a plan’s estimated total costs to you, including deductibles and other disbursements.

If you take insulin, there is a new cap on a month’s supply of each insulin product when covered by a drug plan or under health insurance. original disease. Speak to someone to help you compare plans by calling 1-800-MEDICARE.

Medicare is here to help

Here are four ways to compare plans and review savings options:

  1. Go to Medicare.gov to learn the difference between Original Medicare and Medicare Advantage, and make side-by-side cost and coverage comparisons for Medicare Advantage and prescription drug plans.
  2. Call 1-800-MEDICARE. Help is available 24 hours a day, including weekends.
  3. Access free personalized health insurance advice, available from the State Health Insurance Assistance Program (SHIP). Visit shiphelp.org Exit the disclaimer icon or call 1-800-MEDICARE for the phone number for each SHIP. Many SHIPs also offer virtual counseling.
  4. Check eligibility for Medicare savings programs. If you have limited income and resources, you may qualify for Medicare savings programs operated by your state Medicaid program. These programs could help you save money on health and prescription drug costs and/or could reduce your Part B premium from $165 to $0. For more information, contact your state Medicaid program or call 1-800-MEDICARE and ask about Medicare savings programs.

For more information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. Help is available 24 hours a day, including weekends.

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