Medicare Annual Enrollment Period starts soon! This is a very important time for your insurance renewal, I’ll discuss “why?” below.
First and foremost, I want to THANK YOU for your continued confidence in me to assist you with your insurance. As your insurance broker, I investigate answers to your questions, offer recommendations customized to fit your needs and provide ongoing support, without additional cost to you. Your insurance company pays me to provide assistance with your insurance plan decisions, and renewals, which helps them too!
The easiest way to schedule a phone appointment to assist you with your Medicare renewal decision is to click the button below to select a time in my calendar. Request an appointment with me if you need to make a plan change, I will walk you through the steps.
What You Need To Know
The Annual Enrollment Period allows every Medicare beneficiary to change insurance plans. This applies to Medicare Advantage Plans and Part D Prescription Drug Plans. If you are going to make a plan change, you mustdo so between October 15th and December 7th, and your new plan will become effective January 1 of the following year.
Review your annual notice of change (renewal) package from your insurance plan. Are you satisfied with your benefit coverage? Are you satisfied with the provider network? Is there something that has changed for you that warrants an insurance plan change?
If you want to keep your plan there is no need to reenroll. Your insurance will automatically renew. Please let us know that you’ve decided to keep your plan.
If you want to change to a different plan, please request a phone appointment with me to help you choose your new plan and complete the plan change process together.
If your plan is being discontinued, I will be contacting you early to give you plenty of time to consider all your options to replace your plan. If your plan is being discontinued there will be an important Special Election Period (SEP) message in your letter that gives you the right to change plans even after December 7th. In addition, it gives you a guarantee issue right to enroll in a Medicare Supplement (Medigap) plan without health underwriting. Keep your letter until you decide what plan you choose for 2020.
Special Election Period (SEP)
In most cases, you must stay enrolled for the calendar year starting the date your coverage begins. However, in certain situations, you may be able to join, switch, or drop a Medicare Advantage Plan during a Special Election Period.
Some examples are:
Your plan is discontinued.
You move out of your plan’s service area.
You have Medicaid or qualify for Extra Help program.
You live in an assisted living facility (like a nursing home).
You want to enroll into a plan with 5 Stars.
Medicare Supplement Plans, such as Plan F, G or K do not have an annual enrollment period, and require no action from you at this time. However, if you want to switch from a Medicare Supplement Plan to a Medicare Advantage Plan or the other way around, let me know to discuss all your options and what is necessary. Medicare Supplement Plan members can change to another Medicare Supplement Plan most any time, and sometimes without health restrictions. I am available to help you.
The staff at Insurance Solutions NW, Inc will be assisting me to schedule phone appointments. Please let us know your plan decision and how we can serve you. Thank you for your business. We appreciate you!