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Valued Social Butterfly
Posts: 8,596
Registered: ‎08-18-2008

Re: Pay Attention to Open Enrollment

[ Edited ]
Message 1 of 5 (34 Views)

SassiLady wrote:

This is kind of difficult to do when AARP sends out a book entitled "Annual Notice of Changes for 2018".

 

Now you have a 1/2 inch thick book that doesn't list important things like what medications and/or doctors are or are not going to be in the plan any longer or what meds are being shifted to a different tier. DUH? These are important things that should be listed for us. We should not have to spend time checking our doctors and meds and then who knows if they will change in a couple of months.


Communications from your current plan (MA, PDP or a combined pla with both coverages) should give all the new info for 2018.

 

Are you saying that they didn't give you any details on how your current plan will look in 2018?

 

The formulary is not there describing all the new detail for 2018 plans - ?

Deductibe, Donut hole, what's covered if anything in this period, catastrophic coverage, tiers of drugs, copays and any special rules on specific medication.

 

I could understand the doctor list since these are by area but you should have a place online to look them up.

 

Yes, things can change periodically with providers and medications but they are required to send you a notice and give you a chance to make accommodations.

Medicare gives them the rules on this and you can report any discrepancy or personal disadvantages to Medicare.

 

If a plan changes to much during the contract period - providers or medications - which affects you adversely, on a case by case basis, Medicare might allow you a special enrollment period.

 Medicare.gov - Special Circumstances (Special Enrollment Period)

Trusted Social Butterfly
Posts: 2,796
Registered: ‎03-07-2012

Re: Pay Attention to Open Enrollment

Message 2 of 5 (44 Views)

This is kind of difficult to do when AARP sends out a book entitled "Annual Notice of Changes for 2018".

 

Now you have a 1/2 inch thick book that doesn't list important things like what medications and/or doctors are or are not going to be in the plan any longer or what meds are being shifted to a different tier. DUH? These are important things that should be listed for us. We should not have to spend time checking our doctors and meds and then who knows if they will change in a couple of months.

Recognized Social Butterfly
Posts: 917
Registered: ‎01-02-2012

Re: Pay Attention to Open Enrollment

[ Edited ]
Message 3 of 5 (92 Views)

Everyone beware that the popular term used in the press, "Medicare open enrollment," is very misleading, particularly to anyone that is used to the term open enrollment as it relates to a group employee benefits program.

 

The time period Oct 15-Dec 7, 2017 (see Note) is not for open enrollment in Medicare. It is formally called the "annual election period" where you can select a new Part D plan or a new Part C plan or enroll in or drop one of those plans that you currently have without a special exemption applying.

 

But you need to have Part A and/or Part B of Medicare first before you can make such an election relative to C or D. Unless you have a special exemption to enroll in A and/or B, you cannot do that until January (and it will not be effective until next July).

 

NOTE: In the future, early 2019 maybe, you will also be able to elect a Part C plan after January 1. At some point they may separate the Part C and Part D election periods entirely.

Conversationalist
Posts: 8
Registered: ‎02-20-2017

Re: Pay Attention to Open Enrollment

Message 4 of 5 (161 Views)

Yes! Great reminder. Make sure to be aware of all the changes made for 2018 regarding Medicare. The biggest change I found regarding Part D was they increased the discount on brand name drugs from 50% in 2017 to 65% in 2018. Medicare is covering the additional 15%. 

 

https://www.medicarefaq.com/faqs/2018-medicare-part-d-prescription-drug-coverage-changes/

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Valued Social Butterfly
Posts: 8,596
Registered: ‎08-18-2008

Pay Attention to Open Enrollment

Message 5 of 5 (178 Views)

It is that time of the year to review your insurance coverage and make changes based on your needs.  

 

For those who have Medicare Advantage Plans or a free standing Part D Prescription drug plan - review them and see if the 2018 plan designs meet your needs.

 

Open enrollment for Medicare plans October 15 - December 07

 

Prescription Drug plans -

review the formulary for your drug coverage and classification

review deductibles, co pays

 

Medicare Advantage plans -

if it includes your prescription drug coverage review it (same as above)

review the network because this can and does change and make sure it meets your ur needs

 

According to this article - there could be some changes for you to watch for.

 CBS 08/2017 - Big Changes Expected in Many 2018 Medicare Advantage Plans