I’m Covered for 2013—What Now? | Redlands CA | Medicare

2013Now that OEP is over, you might be wondering what’s next. Where can you find information about your 2013 coverage? Do you have all the plan materials you need? What happens if you haven’t received new membership cards or other important documents? Here’s a list of things to look for as you head into the 2013 Medicare plan year.

It’s in the Cards

Whether or not you changed your Medicare coverage during OEP, you’ll need to make sure you have current membership cards. Remember: you might need more than one card. For example, if you have Original Medicare and a standalone Part D prescription drug plan, you will usually have two cards, one for Medicare services and one for your prescription drug coverage. And even if you didn’t change your current Medicare coverage and it was automatically renewed, you might still get or need new cards for the new plan year. If you haven’t gotten your new cards yet, call your plan or Medicare (see “For More Information” below).

Stay “In the Know”

The plan materials you should have—or should expect to get—depends on the kind of Medicare coverage you have for 2013. Here are some of the most common types of plan information:

Original Medicare (Medicare Part A and Part B)

  • Medicare & You – this is a publication from the Centers for Medicare & Medicaid Services (CMS). It’s a complete description of your coverage and benefits. You might already have gotten the 2013 version in the mail this Fall. You can also download it at Medicare.gov (see “Resources” section below).
  • Medicare Summary Notice (MSN) – this is a statement of medical services you should get in the mail every three months if you have Original Medicare.

Medicare Advantage and/or Medicare Prescription Drug plan (Medicare Part C and/or Part D)

  • Annual Notice of Changes (ANOC) mailing – this document explains year-over-year plan changes. For example, changes for 2013 vs. 2012. If you were a plan member in 2012, you may have seen your plan’s ANOC in October, either online or in a mailing. If you switched plans during OEP, you might have received your new plan’s ANOC with other plan materials or in a new member welcome kit.
  • Evidence of Coverage – this is usually included in the ANOC and includes a full description of all benefits included in your plan for 2013.
  • Formulary – A formulary is a list of the drugs your plan will cover if you have a standalone Part D plan or a Medicare Advantage plan with prescription drug coverage. It also gives you information about costs, drug tiers and any special requirements certain drugs might have.

Medicare Supplement Insurance

Since Medicare Supplement Insurance plans vary by state, and each plan is different, you should contact your plan directly with questions.

–This information was provided by Medicare Made Clear

 

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