Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics...

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Preparing for Medicare Open Enrollment

Transcript of Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics...

Page 1: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Preparing for Medicare Open Enrollment

Page 2: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

AARP Webinar Leaders

Susan Lutz Senior Project Manager, Education & Outreach Health Team

Nicole Duritz Vice President, Education & Outreach Health Team

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Page 3: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Agenda

Open Enrollment Overview

Medicare Basics

Medicare Choices

Things to consider when choosing a plan

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Page 4: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Why Open Enrollment is Important

1 time each year when you can change your plan

Make sure the plan you have now will still works for you

Make changes during Open Enrollment (Oct. 15 - Dec. 7, 2011)

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Page 5: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Open Enrollment Oct. 15 - Dec. 7, 2011

Earlier than ever before

Lasts for 7 weeks

More time to review your choices

Changes will be effective January 1, 2012

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Page 6: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Plans Change & You Change

Changes to your medications

Changes in your medical condition

Changes in where you live

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Page 7: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

What You Can Do During Fall Open Enrollment

Choose Original Medicare or a Medicare Advantage Plan

Switch from one Medicare Advantage Plan to another

Join or switch Medicare Prescription Drug Plans

Drop your Medicare Prescription Drug coverage completely

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Page 8: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Medicare Basics

What is Medicare?

A federal health insurance program for:

• People 65 or older

• People under 65 with certain disabilities

• People of any age with End-Stage Renal Disease

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Page 9: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

The Different Parts of Medicare

Part A (Hospital Insurance)

Part B (Medical Insurance)

Part D (Prescription Drug Coverage)

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Page 10: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Part A Helps cover inpatient hospital care

Other services include:

Some skilled nursing facility care

Hospice and home health care

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Page 11: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Part B

Some physician services

Outpatient hospital services

Certain home health services

Medicare-approved preventive services

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Page 12: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Part D

Helps cover the cost of prescription drugs

Provided through:

“Stand-alone” Medicare Prescription Drug Plans

Medicare Advantage Plans

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Page 13: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Medicare Choices

Original Medicare

Parts A and Part B

Part D (if you want prescription drug coverage)

Medicare Advantage Plans

Combines Parts A, B, and D

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Page 14: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Original Medicare

Fee-for-service health plan

Includes Parts A and B

You can go to any provider that accepts Medicare

Pays for many health care services, but not all

You must choose and join a Medicare Prescription Drug plan to get prescription drug coverage 14

Page 15: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Medicare Advantage Plans (Part C) Alternatives to Original Medicare

Plans are offered by private insurance companies

All plans include Part A and Part B, and in most cases, Part D

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Page 16: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

How Medicare Advantage Plans Work

Live in plan’s service area

May get extra benefits

May have to use providers

in plan’s network

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Page 17: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

www.medicare.gov 1-800-633-4227

Page 18: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Things to Consider When Choosing a Plan

Coverage

Cost

Convenience

Customer Service

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Page 19: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Coverage

Services you need?

Accepted by doctor?

Choice of providers?

Extra services?

Approved drugs?

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Page 20: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Cost

Premiums, deductibles?

Out-of-pocket costs?

Prescription drugs?

Hospitalization?

Doctor visits?

Annual limit?

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Page 21: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Convenience

Local providers?

Choice of providers?

Distance from home?

Pharmacy location?

Out-of-state coverage?

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Page 22: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Customer Service

Easy to contact?

Responsive to concerns?

High quality rating?

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Page 23: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

www.medicare.gov/find-a-plan

Page 24: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

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www.shiptalk.org

Page 25: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Resources Medicare

www.medicare.gov 1-800-633-4227

Medicare Plan Finder

www.medicare.gov/find-a-plan

State Health Insurance Assistance Program (SHIP)

www.shiptalk.org

Social Security

www.socialsecurity.gov 1-800-325-0778

TRICARE (Department of Defense)

www.tricare.mil/mybenefit 1-866-773-0404

Office of Personnel Management

www.opm.gov/insure 1-888-767-6738

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http://www.medicare.gov/
http://www.medicare.gov/find-a-plan
http://www.shiptalk.org/
http://www.socialsecurity.gov/
http://www.tricare.mil/mybenefit
http://www.opm.gov/insure
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Resources

AARP on Medicare

Find educational resources and information about Open Enrollment

www.aarp.org/openenrollment

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Page 27: Preparing for Medicare Open Enrollment 2011 - AARP€¦ · Open Enrollment Overview Medicare Basics Medicare Choices Things to consider when choosing a plan . 3 . Why Open Enrollment

Resources

AARP on Medicare

Find educational articles on the basics of Medicare

Join active online communities on Insurance and Medicare

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