Medicare Open Enrollment 2023

  • Understand Medicare Parts- A, B, C, D

    • Part A = If you have been employed full or part-time for 10 years +, you will automatically receive Part A for Free (YOU WILL NOT HAVE TO PAY A MONTHLY PREMIUM). This part only covers INPATIENT settings ( hospital, residents of nursing facilities and /or partial hospital settings). Medicare does not cover LONG TERM CARE.

    • Part B = Only covers Outpatient settings (doctor office, specialists, ambulatory). All Medicare recipients must pay a monthly premium (expected to be $164.90 for 2023). Medicare only covers 80% of visits that are not preventative. You will be responsible for the 20%.

    • Part C= Medicare Advantage Plans, these plans are approved by Medicare. Many health insurance carriers you may be familiar with have Medicare plan such as Aetna, UHC or Cigna (so many options). You may be offered some additional benefits and may have to pay more.

    • Part D= Prescription Plan, this plan helps with paying for medication you need. Now, if you do not enroll when you are eligible and you do not have a creditable drug plan. You will be penalize for the duration of you not enrolled when eligible.

  • Ensure your health care professional(s) accepts the plan you select.

  • Review your plan benefits options, see what preventative services are covered at 100% (no cost to you).

  • Understand key health insurance terms such as deductible, co-payment, and co-insurance.

If you need further assistance, click the link to schedule an session with us Patient Advocacy