The Medicare Open Enrollment plan is happening this year from October 15 – December 7. During that time, seniors are allowed to make changes to their health insurance plans. Any changes made during this period will become effective on January 1, 2015.These changes include:

  • The Ability to switch from Medicare to one of the Medicare Advantage plans (Medicare Part C). They may also switch from a Medicare Advantage plan back to Medicare A and B.
  • The Ability to switch Medicare Advantage plans by dropping one plan and enrolling in a different Advantage plan. These changes are an opportunity for seniors to find an Advantage plan that offers prescription drug coverage (Medicare Part D) if their current plan does not offer prescription drug covers. This is important for those seniors who may be losing their employer or union sponsored prescription drug plan.
  • The ability to add a prescription drug plan or a Medicare drug plan to their Original Medicare policy.
  • The ability to drop one Medicare Part D prescription drug plans and enroll in another Medicare-approved prescription drug plan.
  • The ability to drop your existing Medicare prescription drug plan.
  • As seniors prepare for to make changes to their senior health insurance plans, remember that Connect One Health is here to help answer your questions. Call us, we offer free advice that can help make a difference.

Changes to Medicare C

The next time changes can be made to Medicare policies will be during the Medicare Disenrollment Period, which occurs from January 1 – February 14, 2015. This enrollment period is slightly more restrictive about what you can and cannot do.

  • You can drop your Medicare Advantage plan and return to Original Medicare.
  • You can add a Medicare Part D prescription drug plan when you switch back to Original Medicare.
  • You CANNOT switch from Original Medicare to an Advantage plan.
  • You CANNOT switch between Medicare Advantage Plans
  • You CANNOT change Medicare prescriptions drug plans. You can only add a Medicare prescription drug plan if you are switching from an Advantage plan back to Medicare.
  • The Medicare Disenrollment period does not allow you to make ANY changes to a Medicare Medical Savings Account Plan (MSA).
One of the considerations for changes to senior health insurance plans involves the reduction of services and increases in costs for services. The Patient Protection Affordable Care Act (ACA) of 2010 has imparted cuts to the subsidized program that pays Medicare Advantage carriers to provide services. As you consider changes to your senior health care plan think about how costs might be rising and services being dropped. Your insurance provider may have already provided you with detailed information about changes to your premium or to the services that your policies offers. If they have not, consider calling them before the Medicare Open Enrollment period ends.
Not all plans are making immediate changes, but changes will come by 2022. If you need help finding a new plan or if you would like to find better coverage at affordable prices just call us. Connect One Health is here to answer your questions, free of charge.