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Choose Your Coverage Starting:
October 15th, 2023
Medicare Open Enrollment Ends:
December 7th, 2023
Open Enrollment is a yearly opportunity for Medicare patients to make changes to the way they receive their Medicare Benefits.
During Open Enrollment, patients can choose to newly enroll into a Medicare Part D Plan to cover medications, enroll into a Medicare Advantage Plan, change Medicare Advantage Plan or disenroll from a Medicare Advantage Plan and revert to Traditional Medicare.
Medicare Advantage plans offer many benefits, but they also come with some drawbacks.
We encourage our patients to explore all their options. We have found Medicare Advantage plans to be a great way to get more benefits and better drug coverage without the additional expense that can come from Part D plans or Supplemental Plans.
We participate in Medicare Advantage plans with Blue Cross Blue Shield, United Health Care, Cigna, Aetna, WellCare and Prominence Health Plans. BCBS tends to have the biggest network but the lower level of extra benefits while the others have more benefits but more limited plans. PPO plans give patients the most flexibility in seeing providers.
The best resource to find out about the different plans available are the websites of the insurance companies. There are several local insurance agencies who specialize in Medicare Advantage plans but patients need to be sure the agency is independent and knowledgeable about all insurance plans. The most important thing to consider when choosing a plan is whether or not you will still have access to the doctors, facilities and medications that you want and need.
Health Insurance Marketplace Opens:
November 1st, 2023
Coverage Starting Jan 1st 2024 Deadline:
December 15th, 2023
Last Day to Enroll:
January 15th, 2024
The Marketplace Open Enrollment period is the primary time of year for most people who don’t have employer-sponsored insurance or don't qualify for Medicare or Medicaid to sign up for health insurance.
During Open Enrollment, you can visit healthcare.gov, enter your personal and family information and get a list of all the health plans that are available to you. You may even qualify for government help to cover all or part of your premium.
Browsing the plans can be confusing due to all the terminology you will encounter.
Briefly, we will cover some of the more common terms here:
A yearly amount that you must pay before your plan pays. This may apply to all services or it might only apply to certain services.
A fixed fee you pay when you visit a doctor or certain other defined services. When you have a copay, the deductible is waived for the applicable service.
The percentage of the fee you are responsible for after you meet your deductible.
The most you will have to pay for your healthcare. When you meet this, the plan pays 100% of your health care.
A plan where you must choose a primary care doctor who then refers you to other doctors as needed.
A plan where you can see any doctor in the network without referrals. You can also see doctors out of network for a higher cost.
These are the most common terms you will encounter. However, if you have any questions you can always reach out to us and we will be happy to help you sort it all out.