You want to enjoy your life. So the last thing you want to do is to spend your days thinking about your own or your loved one’s Medicare plans. That’s why now is the time to do a quick review of your current plan’s cost, coverage and customer service for 2008 and decide if you need to make any changes for the next year.
1. Gather information about your prescriptions and providers. Review (and keep) information sent to you by Medicare, Social Security or your current plan that talks about changes to your coverage for next year.
2. Compare plans in your area. Ask yourself these questions:
COST: Will your premium and other costs change in 2008? Are there plans that will cost you less?
COVERAGE: Are your doctors, hospital and pharmacy part of your plan in 2008? Will the prescription drugs you take be covered by your plan?
CUSTOMER SERVICE: Are you satisfied with your plan’s service?
3. Decide which plan is right for you for 2008. People who get extra help paying for their prescription drug costs should also review and compare plans each fall. You can enroll in a different plan or add prescription drug coverage through December 31st. However, if you are satisfied with your current plan’s cost and coverage for next year and the customer service you receive, you don’t need to do anything.
There are plenty of ways to get help comparing plans and making your Medicare decisions: Check for Medicare events in your community, visit www.medicare.gov on the web, or call 1-800-MEDICARE (TTY 1-877-486-2048). You can also contact your local State Health Insurance Assistance program or the plan to get help.