Medicare & Insurance

 i had heard rumors in December about Humana dropping coverages in My upstate NY area, but they denied it.  So today ( January 13th 2024) 12 days after starting the 2024 plan, I get a letter stating as of July 1st 2024, Hospital coverage for My hospital and all its affiliated hospitals and services will be terminated.  Great. They knew all along.  Can I join another Medicare Advantage plan instead now, or am I out of luck. Doesn't seem right.  Humana knew about this and waited to shaft Us.

Is anyone else having problems with customer service with insurance underwritten by Wellmed? I have a prescription tier 4, although I have no idea why it's categorized as such. My previous insurance with AARP Advantage covered 90 day prescriptions I changed to one underwritten by Wellmed. They now limit me to 30 days eventhough my doctor prescribes 90 days. The problem is I travel out of the country for 30 - 90 days. I have talked to customer service but the most they are willing to do is once a year 30 day override. I'm on  my own for anything over 60 days. There is no margin for error to fill the prescription and, God knows, Optum Rx has trouble delivering prescriptions on time. 

   KFF.org - 12/12/2023 -  The New Help for Medicare Beneficiaries with High Drug Costs That Few Seem to Know About  This is a nice Christmas present for those who take these extremely expensive drugs. From the link:Beginning in 2024, people enrolled in Part D plans will no longer be required to pay 5% coinsurance after they reach the catastrophic threshold. Eliminating this 5% coinsurance requirement means that in 2024, Part D enrollees will pay no more than about $3,300 for all brand-name drugs they take – a change KFF estimates will help well over 1 million Medicare beneficiaries. And starting in 2025, out-of-pocket drug spending will be capped at a lower amount, $2,000 (indexed annually for growth in Part D costs.)