Medicare’s annual Open Enrollment period is a good time to review your current coverage and decide if there may be a better fit based on changes to current plans, your budget or health needs. To make Medicare Open Enrollment part of your healthy lifestyle, follow these five steps.
Protect Your Health and Your Card
Making the most of Medicare Open Enrollment
(Family Features) Eating well and regular exercise are part of a healthy lifestyle, and so is making sure you have the right health care coverage. Medicare’s annual Open Enrollment period is a good time to review your current coverage and decide if there may be a better fit based on changes to current plans, your budget or health needs.
During Medicare Open Enrollment, which runs Oct. 15-Dec. 7, 2017, you can enroll in or make changes to your Medicare health or prescription drug plan for coverage that begins Jan. 1, 2018. If you miss the deadline, you will likely have to wait a full year before you are able to make changes to your plan.
To make Medicare Open Enrollment part of your healthy lifestyle, follow these five steps:
1. Review your current plan notice. Read any notices from your Medicare plan about changes for next year, especially your “Annual Notice of Change” letter. Look at your plan’s information to make sure your drugs are still covered and your doctors are still in network.
2. Think about what matters most to you. Medicare health and drug plans change each year and so can your health needs. Do you need a new primary care doctor? Does your network include the specialist you want for an upcoming surgery? Does your current plan cover your new medication? Does another plan offer the same coverage at a lower cost? Take stock of your health status and determine if you need to make a change.
3. Find out if you qualify for help paying for Medicare. Learn about programs in your state to help with the costs of Medicare premiums (through Medicare Savings Programs), your Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) deductibles, coinsurance and copayments, and Medicare prescription drug coverage costs (through Extra Help). Visit Medicare.gov or call your State Health Insurance Assistance Program (SHIP) to learn more.
4. Shop for plans that meet your needs and fit your budget. Starting each October, you can use Medicare’s Plan Finder tool at Medicare.gov/find-a-plan to see what plans are offered in your area. A new plan may:
If you find your current coverage still meets your needs, then you’re done. Remember, during Medicare Open Enrollment, you can decide to stay in Original Medicare or join a Medicare Advantage Plan. If you’re already in a Medicare Advantage Plan, you can switch back to Original Medicare.
For more information, visit medicare.gov or call 1-800-MEDICARE (1-800-633-4227) and say “Agent.” TTY users can call 1-877-486-2048. Help is available 24 hours a day, including weekends. If you need help in a language other than English or Spanish, let the customer service representative know the language. You can also get personalized health insurance counseling at no cost to you from your local SHIP by visiting shiptacenter.org. More information about Medicare is available on the Medicare Facebook page and by following @MedicareGov on Twitter.
Protect Your Medicare Card
Protect your identity as well as your health by guarding your Medicare card like you would a credit card. Medicare is aiding in the fight against Medicare fraud by removing Social Security Numbers from Medicare cards and replacing them with a new, unique number for each person with Medicare. Medicare will mail the new cards with unique numbers between April 2018-April 2019. Here are some steps you can take to protect yourself from identity theft:
If someone calls you and asks for your Medicare number or other personal information, hang up and call 1-800-MEDICARE (1-800-633-4227) and learn more about how you can fight Medicare fraud at Medicare.gov/fraud.
Information provided by the U.S. Department of Health & Human Services.SOURCE:
Centers for Medicare & Medicaid Services
(BPT) - Caring for someone with Alzheimer’s or other dementias is exceptionally demanding, and especially challenging. The caregiving needs of people living with Alzheimer’s are not only often more extensive, but are often needed over many years — even decades.
A recent survey by the Alzheimer’s Association indicates many caregivers are not getting the help and support they need — a whopping 84 percent of caregivers say they would like more support in caring for someone with Alzheimer’s, especially from family members.
“Too many people are shouldering the caregiving burden alone,” says Ruth Drew, director of information and support services at the Alzheimer’s Association. “Many people want or would welcome help, but they are reluctant or just too overwhelmed to ask.”
Tips for supporting a caregiver
Providing help and support to caregivers can be easier than most people think. Even little acts can make a big difference, Drew says. The Alzheimer’s Association offers these suggestions:
Learn: Educate yourself about Alzheimer’s disease — its symptoms, its progression and the common challenges facing caregivers. The more you know, the easier it will be to find ways to help.
Build a team: Organize family and friends who want to help with caregiving. The Alzheimer's Association Care Team Calendar is a free, personalized online tool that allows helpers to sign up for specific tasks, such as preparing meals, providing rides or running errands.
Give a break: Spend time with the person with dementia, allowing the caregiver a chance to run errands, go to their own doctor’s appointment or engage in an activity that helps them recharge. Even one hour could make a big difference in providing the caregiver some relief.
Check in: Many caregivers report feeling isolated or alone; make a phone call to check in, send a note or stop by for a visit.
Tackle the to-do list: Ask for a list of errands that need to be done. Pick up groceries or dry cleaning, or even offer to shuttle kids to and from activities.
Be specific and be flexible: Open-ended offers of support (“Call me if you need anything,” or “Let me know if I can help.”) may be well-intended, but are often dismissed. Be specific in your offer (“I’m going to the store, what do you need?”). Continue to let the caregiver know that you are there and ready to help.
Help for the holidays: Help caregivers around the holidays by offering to help with cooking, cleaning or gift shopping. If a caregiver has traditionally hosted family celebrations, offer your home instead.
Join the fight: Honor a person living with the disease and their caregiver by supporting the Alzheimer’s cause. Volunteer at your local Alzheimer’s Association office or participate in fundraising events.
“It’s a mistake to assume caregivers have everything under control,” Drew says. “Most caregivers can use and would appreciate help. No one can do everything, but each of us can do something.”
To learn more about Alzheimer’s disease and ways you can support families and people living with the disease, visit www.alz.org, the website of the Alzheimer’s Association.
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