The Open Enrollment Period will take place from October, 15 to December, 7. During this period of time, Medicare patients will be able to change their insurance plan according to their needs and income. This period is really important because the health insurance plan can really make the difference between a good medical care or a low-rated one.
There are several options you have during Open Enrollment Period. First of all, you can change your Medicare prescription drug coverage. A lot of things can happen in a year and sometimes you could have been prescribed something that is not covered by your insurance plan. When choosing another plan, make sure it covers not only the drugs you need but also the most common prescriptions.
Another option would be to change your doctor. If you are not satisfied with the one you have know or you have met another doctor who understands better your health problems, you can make the change during Open Enrollment Period.
The. U.S. residents are also able to change from an original Medicare to a Medicare Advantage plan. Of course, the change can go in the other direction too. Switching between Medicare plans is not something new. People’s choices are different with every year. Their health condition can improve or they have a better income so they can afford a more expensive health insurance. For those of you who want to give up their prescription drug coverage, now is the time. Patients have the opportunity to end the prescription drug coverage.
Some of you could wonder if this is the only period where they can change their insurance plan. According to the law, you can enroll in a heath insurance plan outside the period only if you have some special reasons. For example, when you get married, have a baby or lose your health coverage.
Make sure that you have everything you need to apply for a change. The government is also giving you a Plan Finder tool. There you can compare Medicare plans available in your area. Many people also get the help of an insurance agent when they do not know what to choose. These services are for free because they will be paid by the insurance agent. This means that no matter if you use the agent or not, your costs will be the same.
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