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Medicare’s Annual Election Period (AEP) runs from October 15 and will close on December 7. People who are eligible can shop for a health plan during AEP to potentially improve their coverage, lower their costs or both.
Whether you’re new to Medicare or wondering if you should shop for a new plan, there are many options to think about: Original Medicare, Medicare Advantage (MA) plans, Medicare Supplement plans and Prescription Drug Plans. But keep in mind that health care is the most important investment you can make. That’s why taking the time to review all of your options before it’s too late is so important right now.]
There are extra benefits not available with your original Medicare that may be available in a Medicare Advantage plan at no additional cost, like $0 monthly premiums, $0 primary care doctor visits, dental, vision, hearing, telehealth, and others.
Get the facts about costs. First determine what the premium or monthly cost is. Check for out-of-pocket costs like copays and deductibles for doctor and hospital visits, and prescription drugs. Also check how much it is for specialist visits.
In addition to cost, check the facilities and doctors, especially your favorite ones that are in the plan’s network.
Plans can change every year. Don’t assume your plan will remain the same as last year. Instead, make sure you investigate and understand any changes coming for 2023 and how they impact you.
Stay focused on prevention. Many Medicare Advantage plans cover preventive health screenings in addition to those covered by Original Medicare. [Always consult with your doctor about the screenings that are important for you given your age and health condition, such as a seasonal flu shot.] [You can keep up with your preventive care even in the time of COVID-19, so discuss what safety protocols your doctor has in place.
Remember, you have until December 7 to research and finalize your health plan choice for next year. Think about your personal health situation to be sure your plan is right for you – and don’t hesitate to ask questions to get the answers you need.
I’d like to remind viewers that they have until December 7 to research and finalize their health plan choice for next year. A licensed agent can get them the answers they need.
For more information about Cigna Medicare Advantage plans please call your local Rio Grande Valley license representative at 1(956) 468-2928, 8 am to 8 pm, 7 days