{"id":24342,"date":"2023-10-04T16:55:06","date_gmt":"2023-10-04T16:55:06","guid":{"rendered":"https:\/\/microloannexus.com\/personal-finance\/medicare-open-enrollment-for-2024-is-coming-soon-heres-when-it-is-and-how-to-prepare\/"},"modified":"2023-10-04T16:55:08","modified_gmt":"2023-10-04T16:55:08","slug":"medicare-open-enrollment-for-2024-is-coming-soon-heres-when-it-is-and-how-to-prepare","status":"publish","type":"post","link":"https:\/\/microloannexus.com\/?p=24342","title":{"rendered":"Medicare open enrollment for 2024 is coming soon. Here&#8217;s when it is and how to prepare."},"content":{"rendered":"<div class=\"caas-body\">\n<p>More than 65 million Americans\u00a0will soon be bombarded with\u00a0ads for Medicare health care plans whose open enrollment period begins Oct. 15 and runs through Dec. 7.<\/p>\n<p>Each year, Medicare health and drug plans can change things like cost, coverage, and what providers and pharmacies are in their networks.\u00a0During open enrollment, people with Medicare can change their health plans and prescription drug coverage for the following year to better meet their needs \u2013 whether dictated by health changes, finances, or something else.<\/p>\n<p>The options, though, seem endless.<\/p>\n<p>You can choose the federal government\u2019s original Medicare and its drug supplement, or pick from a growing number of Medicare Advantage plans offered by private insurers approved by Medicare. Last year, nearly 4,000 Medicare Advantage plans were available nationwide, according to the nonprofit KFF, which focuses on health care policy. The average Medicare beneficiary could choose from 43 of those plans, more than double the average number available in 2018 and the highest since KFF began tracking options in 2010.<\/p>\n<div class=\"caas-da\">\n<div id=\"sda-INARTICLE\"><\/div>\n<\/div>\n<p>No wonder choosing a health care plan can feel overwhelming and confusing. Nevertheless, it\u2019s an important decision that can hit your budget hard if you\u2019re not careful.<\/p>\n<p>With so much at stake, here&#8217;s what you need to know to make the right decision.<\/p>\n<h2>What\u2019s the difference between original Medicare and Medicare Advantage?<\/h2>\n<p><strong>Original or traditional Medicare:\u00a0<\/strong><\/p>\n<p>\u25fe Includes Medicare Part A, which covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.<\/p>\n<p>\u25fe Includes Medicare Part B, which covers certain doctors&#8217; services, outpatient care, medical supplies, and preventive services.<\/p>\n<p>\u25fe An option to buy Medicare Part D, a separate prescription drug plan that you must choose as soon as you start receiving Medicare. If you wait, you may have to pay more.<\/p>\n<p>\u25fe Access to any doctor or hospital that takes Medicare in the U.S. and usually doesn\u2019t require a referral to see a specialist.<\/p>\n<p>\u25fe An option to\u00a0buy supplemental coverage (also called Medigap)\u00a0from a private insurer within six months of having Medicare Part B\u00a0if you\u2019re 65 or older. This coverage helps pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance). The supplement is a one-time enrollment, and if you don\u2019t buy it within this window, you may not be able to add it later, or you&#8217;ll have to pay more for it.<\/p>\n<p>Medicare Advantage (also known as Part C):<\/p>\n<p>\u25fe A \u201cbundled\u201d\u00a0plan that includes Part A, Part B, and usually Part D.<\/p>\n<p>\u25fe Usually, you must use doctors within the plan\u2019s network.<\/p>\n<p>\u25fe Plans may have lower out-of-pocket costs than Original Medicare.<\/p>\n<p>\u25fe Plans may offer some extra benefits that Original Medicare doesn\u2019t cover \u2013 like vision, hearing, and dental services.<\/p>\n<p>\u25fe Plans may offer nonemergency coverage out of network, but typically at a higher cost.<\/p>\n<p>\u25fe May need to get a\u00a0referral to see a specialist.<\/p>\n<figure class=\"caas-figure\">\n<div class=\"caas-figure-with-pb\" style=\"max-height: 640px\">\n<div><\/div>\n<\/div>\n<\/figure>\n<h2>What if I don\u2019t do anything during Medicare open enrollment?<\/h2>\n<p>If you\u2019re satisfied with your health care plan, you don\u2019t need to do anything. You\u2019ll automatically be reenrolled as long as it\u2019s still offered. Only about one-third of Medicare beneficiaries compare plans during the open enrollment period, KFF said.<\/p>\n<p>However, experts strongly encourage you to review your coverage because plans often change, especially drug coverage, and you may end up paying more.<\/p>\n<p>\u201cIt doesn\u2019t hurt to look to see what other plans have,\u201d said Louise Norris, health policy analyst for\u00a0medicareresources.org, which provides consumers with Medicare information. \u201cThe worst is to ignore it and do nothing.\u201d<\/p>\n<h2>How do I know if I should change my Medicare plan?<\/h2>\n<p>To determine if you should switch plans, experts say you need to review what you have and determine if it still suits you.<\/p>\n<p>There are three main things you should review because they often change, experts say:<\/p>\n<ol class=\"caas-list\">\n<li>\n<p><strong>Drugs:<\/strong> Know what drugs you&#8217;re taking, their dosages, and whether they\u2019re branded or generic. See if your plan will still cover them and how much they\u2019ll cost. The best way to check this, experts say, is with the government\u2019s Medicare plan finder, a tool that lists which plans cover your drugs and their costs at different pharmacies.<\/p>\n<\/li>\n<\/ol>\n<ol class=\"caas-list\">\n<li>\n<p><strong>Doctors:<\/strong> If you\u2019re in an advantage plan, make sure your doctors are still in your network. This isn\u2019t necessary for\u00a0traditional Medicare because all doctors who accept Medicare are covered.<\/p>\n<\/li>\n<\/ol>\n<ol class=\"caas-list\">\n<li>\n<p><strong>Costs:<\/strong> Check premiums and out-of-pocket maximums. A word of caution: Medicare Advantage plans often tout $0 premiums or low premiums. But those figures should be balanced with out-of-pocket expenses, which can be higher than in Medicare supplement plans used with original Medicare, said Diane Omdahl, founder of 65 Inc., which provides Medicare enrollment guidance through fee-for-service, one-on-one consultations. Also, a $0 premium isn&#8217;t the same as no premium. Everyone must pay for Medicare Part B, and if you have a higher income, you may have to pay a higher Part B premium.<\/p>\n<\/li>\n<\/ol>\n<p><span class=\"exclude-from-newsgate\"><strong>Tips: <\/strong>Want to get the most from Medicare? An expert shares key advice<\/span><\/p>\n<h2>How much does a retiree pay for health care?<\/h2>\n<p>For the median retiree, 12% of their total retirement income went toward medical expenses, the Center for Retirement Research at Boston College said in 2018. For the median retiree, 25% of their Social Security benefits went towards medical costs. In total, the median retiree spent $4,311 on medical expenses, with most of that money going toward Medicare premiums.<\/p>\n<p>Monthly Medicare Part B premiums in 2023 cost $164.90, with an annual deductible of $226. The Centers for Medicare &amp; Medicaid Services hasn\u2019t said yet how much Part B will cost in 2024, but the annual Medicare Trustees report in March forecast the monthly price to rise to $174.80 in 2024.<\/p>\n<p>The average total monthly Part D premium is\u00a0projected to decrease to $55.50 in 2024 from $56.49 in 2023, according to the centers.\u00a0 <\/p>\n<h2>Is there anything I should avoid?<\/h2>\n<p>Yes.<\/p>\n<p>\u25fe <strong>Don\u2019t select a plan based on advertisements. \u00a0<\/strong><\/p>\n<p>\u201cIt\u2019s easy for people to be attracted to advertisements that say they may be eligible for free dental or a grocery card,\u201d said Anthony Kavouras,\u00a0chief executive at OpenMedicare,\u00a0which\u00a0helps seniors find the right coverage plan. \u201cDon&#8217;t make a decision based on that. Oftentimes, marketing firms will lead with those benefits freebies.\u201d<\/p>\n<p>Instead, examine the plan and the fine print to make sure it\u2019s from a reputable company, he said.<\/p>\n<p>\u25fe <strong>Don&#8217;t wait too long.\u00a0<\/strong><\/p>\n<p>\u201cDo it in October,\u201d Kavouras said.\u00a0\u201cIt leaves enough time so you\u2019re not under pressure. It allows you to absorb information and come back. Also, after\u00a0Thanksgiving, there\u2019s usually a mad rush and you can\u2019t get anyone on the phone. You may have to wait two to three hours to get through. There\u2019s a sweet spot. Not the first few days (after open enrollment begins). Wait a week and then until Thanksgiving.\u201d<\/p>\n<p>\u25fe <strong>Beware of coinsurance vs. copay<\/strong>. Coinsurance is the percentage of the cost you pay after meeting a deductible, but a copay is a set dollar amount you pay. Sometimes coinsurance can end up costing you more, Omdahl said. For example, if your plan changes your drug copay of $47 to 25% coinsurance and the cost of your drug rises to $200,\u00a0you\u2019re now paying\u00a0$50, $3 more than your old copay. <\/p>\n<h2>Still stumped?<\/h2>\n<p>Contact the Centers for Medicare &amp; Medicaid Services, your local State Health Insurance Assistance Program, or a broker and ask questions and see what they recommend. Be prepared with your drug information and list of doctors you see.<\/p>\n<p>If you have a Medicare Advantage plan, you&#8217;ll have one last chance to switch plans from Jan. 1 through March 31 during the Medicare Advantage open enrollment period.<\/p>\n<p><em>Medora Lee is a money, markets, and personal finance reporter at USA TODAY. You can reach her at mjlee@usatoday.com\u00a0and subscribe to our free\u00a0Daily Money newsletter\u00a0for personal finance tips and business news every Monday through Friday morning.\u00a0\u00a0<\/em><\/p>\n<p><em>This article originally appeared on USA TODAY: Medicare open enrollment for 2024 to begin. How to find the best plan.<\/em><\/p>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/money.yahoo.com\/medicare-open-enrollment-2024-coming-092432979.html\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>More than 65 million Americans\u00a0will soon be bombarded with\u00a0ads for Medicare health care plans whose open enrollment period begins Oct. 15 and runs through Dec. 7. Each year, Medicare health and drug plans can change things like cost, coverage, and what providers and pharmacies are in their networks.\u00a0During open enrollment, people with Medicare can change<\/p>\n","protected":false},"author":1,"featured_media":24343,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[32],"class_list":{"0":"post-24342","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-featured"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Medicare open enrollment for 2024 is coming soon. 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