MEDICARE ADVANTAGE ENROLLMENT CHANGES
October , 2014 - Seniors will have only one chance to change their
Medicare Advantage plan, or Part D Drug Plan this year, between October
15th and December 7, 2014. You may already have Part "D" within your
Medicare Advantage plan.
After January 1, you will be locked into your Advantage plan for 2015-
unless you decide to dis-enroll from your Medicare Advantage plan and go
back to traditional Medicare.
In October or November this year (2014), it will be very important
for seniors to review the materials you receive from your Medicare
Advantage plan – in case your plan makes some big changes. If you
want to shop around for another Advantage plan, or Part D Drug Plan you
will only have between October 15th to December 7 to do so. If you
discover in January that your plan no longer works for you, you will be
unable to change to another Advantage plan until next year. Your only
change option at that point would be to dis-enroll from your Advantage
plan and go back to traditional Medicare (and pick up a "stand-alone"
Part D drug plan). But remember that traditional Medicare pays only
about 80% of your care costs, so you would also need to search for a
supplement for some or all of the remaining 20%, which could be
difficult if you have pre-existing conditions.
USEFUL MEDICARE PAGES
Medicare Parts A, B, C, D and Medigap
Medicare Advantage, Part D, Medigap
(Supplement), The Donut Hole:
Surviving the Choice
Medicare Part D Information:
general, how does the program work?
Go here before beginning with Part D
Also go here for Part D Help -
Review Medicare Advantage and Part D
Plans: Medicare Advantage and/or Drug
Where do I start with part D:
Simply Explained on One Page
Review Medicare Part D (drugs) in a
Congress could do a better Part D
Program: Part "D"
The dreaded doughnut hole:
find drugs if you fall in
Enjoy the Confusion:
The Medicare Twilight Zone
Social Security COLA and Medicare Part
B Premium for next year:
Can my Part B premium go up if my
Social Security does not?:
Read "hold harmless" provision
How can I get more part D information?:
Some valuable Medicare.gov Links
Do I qualify for extra Medicare Part D
SeniorArk.com had a little fun
making a couple graphics.
A FEW MEDICARE TIPS SUBMITTED BY OUR
BEWARE of people offering to give you
Medicare information for a price. 99.9% of
the time this information is available FOR
FREE. These people are looking to make a
buck off of you by selling you convenience.
matter, any information pertaining to
government policies or programs is free.
Don't fall for the hype!
Submitted by Rivahcat - Virginia
YOU HAVE A SERIOUS CONCERN ABOUT MEDICARE,
MEDICARE ADVANTAGE, PART D, OR ANY RELATED MATTER, CALL MEDICARE AT
1-800-633-4227, OR GO TO MEDICARE.GOV. IF
YOU ARE GETTING NOWHERE WRITE OR CALL
YOUR CONGRESSMAN OR SENATOR. COMPLETE LINKS
TO DO THAT CAN BE FOUND AT:
is an invaluable site for Seniors who are on
Part "D", or buying drugs
independently. It is produced by independent
Consumer Reports. It is part of their "Best
Buy Drugs" website.
Specific to those on Medicare is their "Medicare
Why are seniors
paying nearly twice the price for their
prescriptions as veterans, even though the
government runs both programs? Because
Congress specifically prevented Medicare from
negotiating lower drug prices for seniors. In
a time of record budget deficits, that just
doesn’t make sense. Express your concerns to
your Representative and Senators.
Medicare A B C D Made Simple
TO FIND A HEALTH
PLAN Your best resource is still the Medicare
prescription-drug-plan and Medicare Advantage finder -- -- which
lets you enter the names of drugs you take and figure your potential
out-of-pocket costs for the plans in your area.
If you are
denied any kind of coverage by Medicare, you have the right to appeal.
Here is the Medicare webpage you need:
What can you do
if you are
the doughnut hole?
Alert: Despite Medicare coverage,
seniors are not taking advantage of preventive
services and important screenings that can
help detect diseases early. Obamacare greatly
increased free preventive services. Here is a link to the list:
Many conditions and diseases have no early
symptoms. It's much better to try to prevent
health problems from developing or growing
that treating a disease after it has developed
for a while. These are potentially life
saving benefits. We encourage seniors to take
advantage of them. Cancer can grow deep within
a colon, for example, with no symptoms.
Regular testing can reveal colon cancer in
earlier more curable stages. Medicare also
will cover 80 percent of the medical
nutritional therapy for persons with diabetes
or kidney disease.
and can't get around. Check into Medicare-approved scooters.
be fully covered.
If you get your
flu shot and or pneumonia vaccine from your primary care physician,
he/she will usually bill Medicare or your Medicare Advantage company
directly for reimbursement. If you get these vaccines at a drug store or
other location, you may need to fill out paperwork and submit it
to your insurer for reimbursement. Make it easy on yourself. Jack in
If you have a Part
D policy, or Medicare Advantage, or a Private Medigap Supplement, you
must review changes that are made every year. Don't be fooled!
Private insurers can make huge changes that could cost you a LOT of
You may qualify
for extra help with prescription drug costs. I only takes a couple
minutes to check it out:
waiting for your tip here.
Or submit a useful link for a links section.