Make life easier: set up automatic premium payments

Most Medicare Prescription Drug Plans charge a monthly fee that varies by plan. This fee is called a premium. You pay this in addition to the Medicare Part B premium. Did you know that you can have this premium automatically deducted from your monthly Social Security payment? Get peace of mind knowing that bills are paid on time each month.

All you need to do is contact your Medicare Part D drug plan (not Social Security). Your first deduction will usually take 3 months to start, and 3 months of premiums will likely be deducted at once so make sure you have enough in your Social Security payment to cover this. After that, only one premium will be deducted each month. You may also see a delay in premiums being withheld if you switch plans. If you want to stop premium deductions and get billed directly, just let your Medicare drug plan know.

Take the worry and guesswork out of when to pay your premium bills, and contact your drug plan today. Rest assured knowing that your payments will be deducted as scheduled—on time, every time.

Saving money on health care costs: Extra Help

If you have limited income and resources, you may qualify for Medicare’s Extra Help program. You might be able to get help paying your Medicare drug plan’s monthly premiums, yearly deductibles, and prescription copayments. Drug costs in 2018 for most people who qualify will be no more than $3.35 for each generic drug and $8.35 for each brand-name drug.

Even if you’re not sure you’d qualify, it’s worth filling out an application. Many people with Medicare may be eligible for Extra Help but don’t know it. You or a family member could be one of them.

It’s easy and free to apply for Extra Help. Here’s how:

Don’t wait—apply today to see if you qualify for some Extra Help with your Medicare prescription drug costs.

Medicare Open Enrollment: The Value of Convenience

When choosing a health plan, sometimes convenience matters. In addition to cost, coverage, and benefits, here are some other things you may want to consider as you compare Medicare options this year:

Doctor and hospital choice

Do your doctors accept the coverage? Do you pay less if you choose your hospital and health care providers from the plan’s network?

Pharmacy access

Is the pharmacy you use included in your drug plan’s network? Do they use e-prescribing? Can you get refills by mail? Remember that plan networks can change from year to year. If it’s important to you to stay with the same pharmacy, it’s worth checking to make sure they’ll still be in your plan’s network.

Travel

Maybe you travel a lot, or spend part of the year in a different state. If you do, see if your plan will cover you when you’re in all the states where you travel.

Quality

Ask yourself if you’re happy with your current plan and the coverage you have to meet your needs. Not all health care is created equal, and the doctors, hospitals and facilities you choose can impact your health. Look for plans with a 5‑star performance rating—the right expertise and care may help speed your recovery and improve your health outcomes.

Your time is valuable—and so is your health. Only you know what mix of coverage and convenience is most important to you and your family.

We’re working hard to make sure you have choices in the way you get your Medicare benefits. Use the Medicare Plan Finder to look at all of the health and drug plan options in your area.

Medicare Open Enrollment: Peace of mind with Medicare coverage

Having health insurance with covered benefits that you can count on can bring peace of mind. If you have Medicare, you get benefits like:

Medicare also covers a yearly “wellness visit”. This is a great chance to sit down with your doctor and talk about your needs — and address small health concerns before they become big ones. You can keep track of your preventive services and get reminders for them at MyMedicare.gov.

Most people with Medicare also have access to Medicare Advantage Plans. If you enroll in a Medicare Advantage Plan, you will still get all the Medicare-covered services, but you may also get extra benefits like vision, hearing, dental coverage, prescription drugs, or extended coverage when you travel. You may be able to lower your out-of-pocket costs too. Because costs and coverage vary, it’s important to compare plans before choosing one.

Medicare Open Enrollment is the time to think about and decide what benefits you need to meet your health care needs. Use the Medicare Plan Finder to look at all of the health and drug plan options in your area.

Medicare Open Enrollment: Be a smart shopper

It’s always a good idea to shop around. Cost is an important factor in any purchase, especially when it comes to health insurance, but it’s not the only thing to consider.

There may be dozens of Medicare plans in your area, all with different costs and levels of coverage. How much are each plan’s premiums and deductibles? How much will you pay for the benefits and services you’re likely to use? Is there a limit on what you’ll have to pay out-of-pocket for the year? If you’re currently in a plan, how does that plan compare to the other plans that are available? Thinking about these things will help you make a smart choice to get good value that meets your personal health care needs.

Prescription drug coverage is another thing to consider. Does your health plan include coverage for prescription drugs? Or will you need to find a separate Medicare Part D plan for drug coverage? How much will your prescriptions cost under each plan? Does the plan cover the drugs you take? Remember, everyone who reaches the Part D coverage gap (or “donut hole”) will benefit from a discount of 65% on covered brand-name drugs.

Only you can determine what mix of benefits and costs will work best with your needs and budget, but we can help. The Medicare Plan Finder makes it easy to compare plans so you can pick a plan that’s right for you. After you’ve narrowed your options, call the plans you’re interested in to get more details about their benefits and services, or check out their websites.

You have until December 7, 2017 to review, compare, and join a 2018 plan.

Medicare Open Enrollment: ready to choose a plan?

Medicare Open Enrollment starts today! Choosing a plan is an important and personal decision. Now’s the time to think about what matters to you, and find the Medicare plan that meets your needs. Here are some things to think about:

Does the plan cover the services you need?

Think about what services and benefits you’re likely to use in the coming year and find coverage that meets your needs. If you have other types of health or prescription drug coverage, make sure you understand how that coverage works with Medicare. And, if you travel a lot, does your plan cover you when you’re away from home?

No matter what plan you choose, you’ll get these benefits:

What does the plan cost?

The lowest-cost health plan option might not be the best choice for you—consider things like the cost of premiums and deductibles, how much you pay for hospital stays and doctor visits, and whether it’s important for you to have expenses balanced throughout the year.

Are the plan’s providers and rules convenient?

Your time is valuable. Where are the doctors’ offices? What are their hours? Which pharmacies can you use? Can you get prescriptions by mail? Do the doctors use electronic health records or prescribe electronically?

What plans perform the best?

Not all health care is created equal, and the doctors, hospitals and facilities you choose can affect your health. Open Enrollment is also a good time to ask yourself whether you’re truly satisfied with your medical care. Look for plans with a 5‑star performance rating—the right expertise and care can make a difference.

Remember that even if you’re happy with your current plan, these answers might change from year to year—so it’s important to take the time to compare. The Medicare Plan Finder makes it easy to compare plans based on all of these factors, so you can choose a plan that meets your needs.

Medicare Open Enrollment is coming soon—add it to your fall checklist

Just like the changing leaves, did you know that the fall also brings your chance to make changes to your Medicare coverage? Medicare Open Enrollment is October 15–December 7. It’s your chance to review your health care coverage and see if you need to make any changes for next year. Or, you may decide you’re happy with the plan you have now. If that’s the case, and the plan is still being offered next year, you don’t need to do anything.

Over the next few months, look aroundyou’ll find information about your Medicare benefits in these everyday places:

  • In the mail

Look through your mail carefullyyou may get important notices from your current plan, Medicare, or Social Security about changes to your coverage or any Extra Help you may get paying for prescription drugs.

Also, look for your new “Medicare & You” handbook. It has information about all of the Medicare plans in your area.

You’ll also start to see brochures from companies that offer Medicare health and drug plans. You may decide that a Medicare health plan is right for you. Just remember, be smart about protecting your personal information and your identityplans aren’t allowed to call or come to your home without an invitation from you.

  • On your computer

Comparing your plan choices is important. Our Medicare Plan Finder is ready with all of the 2018 health and drug plan cost information to make it as easy as possible. Enter the drugs you take to find out how you can lower your costs and review the plan’s ratings to compare plan quality. If you find a plan that meets your needs, you’ll be able to join the plan online starting October 15. If you haven’t used the Plan Finder before, check out our video to help you get started.

  • In your community

You may find a local eventsomewhere right around the corner, with health insurance counselors to help you, like your State Health Insurance Assistance Program. Don’t miss the chance to get personalized help if you need it!