The Chester County Department of Aging, through its APPRISE program of trained Medicare counselors, helps Medicare beneficiaries to understand Medicare, related programs, and insurance plans. This article has been prepared, specifically, to help you understand the Annual Open Enrollment Period (AOEP) and your options.
You will receive mailings about your current plan
You will receive, or have already received, a notice called an Annual Notice of Change (ANOC) from your Medicare Advantage Plan or your Medicare Part D Prescription Drug Plan. This notice is intended to make you aware of the cost and any changes for your plan starting January 1, 2019. If you have not received this ANOC by September 30, call your plan and request it. Do not assume that what you selected for this year will remain the same, nor that it will be the best for you in 2019.
You may switch your Medicare plans during the AOEP
You are receiving this information now because Medicare gives beneficiaries a chance to change Medicare Advantage Plans and Part D Plans during the Annual Open Enrollment Period (AOEP). Your chance to make changes takes place during the AOEP from October 15 - December 7. Information on all of the available plans can be found on the Medicare website, www.medicare.gov. If, after your evaluation of plans, you find a plan with a better fit for your needs, you can switch plans. Your new plan would be effective January 1, 2019.
Some things to consider when evaluating your plan, would be details such as premium, benefits, co-pays, deductibles, network, formularies, and medication tiers. Some plans may even be discontinued after 2018.
Retiree coverage from a former employer may have different dates and different instructions for making changes
If you have retiree coverage from a former employer, you will also be provided with benefit and cost information for the next year, including instructions for making changes to your coverage. Retiree Option Selection Period and Federal Open Season are terms meaning the same as Annual Open Enrollment Period, but may have different dates for making changes. Even with a retiree plan, you will receive an ANOC by September 30. The ANOC must state that your retiree prescription coverage is "creditable", meaning that it is as good as, or better than, the Medicare Part D Plans. This is an important letter, so keep it with your plan information.
Other important mailings you may receive during AOEP
Other mailings that you may receive during the AOEP could include information regarding "Extra Help" (Part D assistance for qualifying beneficiaries), Medicare Part B and Medicare Part D "Income-Related Medicare Adjustment Amount" (IRMAA), PACE/PACENET, and a new "Medicare and You" handbook. If you receive forms to be completed that will continue your benefits, complete them promptly and return them so that your help does not end due to failure to respond.
Plans that are NOT affected by the AOEP
Medicare Supplement Plans, also known as Medigap Plans, are not affected by the AOEP. You would probably be subject to medical underwriting for changes to one of these plans if you are not in a "guarantee issue" period. However, beneficiaries with a Medigap Plan may have a Part D Stand-Alone Prescription Plan. Stand-Alone Part D Plans are not attached to your medical plan, and these Part D Plans can be changed during the AOEP.
How can you get help to navigate these options?
If you are reading this and wondering how you can understand your mailings, evaluate your coverage, enroll in new plans or apply for assistance programs, you could meet with an APPRISE counselor who can help with any of those tasks. APPRISE counseling is free, unbiased, personal, informative and confidential. The counseling sessions are by appointment at area senior centers, libraries, township buildings and Government Services Center in the Department of Aging office. To schedule an appointment at a senior center, call the center directly. To schedule at any of the other sites, call 610-344-5234, and leave a message which a volunteer will pick up within a few hours. The volunteer can give you locations, dates and times of available appointments. You can also call and leave a message on our Help Line at 610-344-5004 requesting information on Open Enrollment Events. If you prefer email contact, our email address is email@example.com. Counselors often find ways to help beneficiaries save money on prescriptions and premiums.