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) - From identity theft to home burglary, it's an unfortunate fact that senior citizens are often a target for criminals. By taking simple security measures while at home and out traveling, you can dramatically reduce the likelihood you or a loved one is victimized.
Always lock doors: Whether you're in a home or an apartment, always keep doors locked. It's a simple yet effective step to keep property and the residents safe, during the day and in the evening.
Secure patio doors: Determined criminals won't stop even though the front door is locked. Use the Master Lock 265DCCSEN Security Door Bar to restrict patio and sliding glass doors from being pried open.
Ask for identification: When service or delivery people come to the door, ask for ID. If you still feel uneasy, get a number to reschedule the visit and then call the company directly to confirm the employee's status.
Secure small valuables: Whether home or away, use a light portable safe. The Master Lock 5900D SafeSpace Portable Personal Safe keeps cash, documents, electronics and small valuables safe, plus the cable can be wrapped around a fixed object or serve as a carrying handle.
Vary routine while home: While home, try to vary the routine periodically. Criminals track when you come and go, so if it's obvious you're always gone during certain times, your home can easily be targeted.
Maintain routine while gone: If traveling, make it seem like someone is home. If you can't get a house sitter, make sure to stop the newspaper and mail delivery and have a neighbor bring your trash in on the appropriate days.
Keep keys close: Skip the obvious doormat or planter and instead store spare keys and access cards securely by using a Master Lock 5422D Push Button Portable Key Safe. Plus, the protective weather cover prevents freezing and jamming.
Travel with less: When traveling, avoid drawing attention by wearing minimal jewelry and carrying only the necessary cash. You'll feel confident and enjoy your trip more when you leave jewelry and other valuables at home.
No need to name: For phone books, organization directories and apartment lobbies, list your first initial rather than your full first name. This can help protect your identification; strangers won't know your full name while friends and relatives will recognize your initial.
With these simple safety measures, senior citizens can feel protected in their homes for years to come.
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