One size does not fit all

MEDICARE

by Sandra Teel

Medicare Insurance Broker

As Medicare’s Open Enrollment Period continues through Dec. 7, you’ll be invited to learn about all the new Medicare plans for 2022. There are so many new plans it can be mind-boggling. Perhaps you attended a Medicare seminar at your medical center, or maybe you sat in on a seminar because a friend told you about it, or you might have received an invitation in the mail to “come and see” a new plan.

Some of those plans look too good to be true. How can you tell what’s the right fit for you? Here are some critical things to consider before you take the leap into changing plans.

• Check to make sure your doctors are in the new plan.

• Where do your prescriptions fall in the new plan’s tiers? Each Medicare insurance company can place drugs in different tiers, and those tiers can be at different price points.

• Compare the changes in new plans with your current plan to be clear on any coverage changes and price changes.

If the agent or company doesn’t verify your doctors, check your prescriptions or explain everything, then don’t sign!

If you feel you need help, contact a Medicare specialist such as myself. They are able to review your needs and apply them to the plans you are considering. They can help you navigate through all the different plans to find the proper fit for you. But you’ll need to do so before Dec. 7 to ensure you are signed up with the right plan.

Sandra Teel is a Medicare insurance broker. She can be reached at (657) 204-4224.