It is vital to check what your Medicare plan will cover in 2023. Will it meet your health needs and budget? Will it cover the prescription drugs you need? If not, it’s time to find a new plan. Here are some tips that will help you with your decisions:
!) Don’t miss your deadline. Part D and Medicare Advantage plan members can switch plans between October 15th and December 7th, 2022.
2) Make sure your plan will be offered next year. Plans come and go. Be sure that your plan will be around for 2023. Open all mail from your current plan. If your plan is not going to be offered, start your search early for a replacement.
3) If your plan will continue, check to see what it will cover next year. Insurers can change plan benefits, provider networks, premiums charges, copays, and deductibles. They will send you an annual notice of change (be sure to review this). It will arrive by mail in September.
The annual notice of change will detail: What you will pay in monthly premiums, annual deductibles, doctor visit co-pays or co-insurance, if your drugs are covered, your out of pocket, if your doctors will continue to accept your plan, and which extra benefits will be covered, if any.
4) If you want to switch, do your research. Don’t just pick a plan because the sales agent tells you it’s great, or because your neighbor swears by it. Use the tools on www.Medicare.gov. You can enter your drugs and the pharmacy you prefer. The program will tell you what plans are right for you and compare the costs. And you can enroll online right then and there.
5) Still having trouble? Get help from PA MEDI. Call 267-880-5700. Their highly trained counselors will help you to understand your benefits and provide you with free, unbiased information regarding plans for the upcoming year.