To Change or Not to Change Medicare Coverage

Redlands Medicare - George LitchfieldOnce you understand what you need from your Medicare coverage, you can begin to look at the coverage you currently have to see if it still works for you. That’s what this article is about.

Pay Attention to Plan Changes
By now you should have received an Annual Notice of Change (ANOC) and Evidence of Coverage (EOC) if you have a Medicare Advantage plan or participate in Medicare Part D. It’s tempting to toss this material, but it’s a good idea to read it instead.

These documents have important information about changes to your plan for 2014.
Changes may include:
Premium, deductible, copayment or other price changes
Doctors, hospitals or pharmacies leaving or joining the network
Prescription drugs removed from or added to a plan formulary, or moved to a different cost tier.
Take the time now to review this material. You don’t want to let Medicare Open Enrollment go by only to be caught off guard with higher costs or coverage changes in January.

Evaluate Your Current Coverage
I can help you think through your experience with your current coverage in four important areas—coverage, cost, convenience and satisfaction. You can call me anytime to make an appointment that is convenient for you.
You may also want to make a list of your prescription medications at this time. Include what your copayment is for each and what tier each is in, if your plan uses a tier system.

Keep your medication list in a file or folder with the plan materials and other information you collect as you explore your Medicare choices. Having everything in one place can be a big help if you decide to change your coverage and need to evaluate how well different choices may meet your needs.

Remember Dec. 7th is the last day to make changes to Medicare plan.  Please call me at (909) 792-3300 if you have any questions or would like to make an appointment to come see me.  Also know I am able to come to you too.

Have a great day!

George Litchfield
(909) 792-3300
CA Lic.##0B56846