Do you need an insurance policy
to help cut down on your growing Medicare costs?

Use this form to view your customized list of
Licensed Insurance Agents and start comparing plans now!

Medicare 2015 Open Enrollment | Enroll in Medicare Plans | Advantage Plans 2015

Even if you are happy with your current Medicare coverage, you should take a look at other Medicare options in your area that may better suit your individual needs in 2015.

If you are satisfied with your current Medicare Advantage or Part D plan, it is still wise to check if there are plans in your area that offers better health and/or drug coverage at a more affordable price.

Medicare’s open enrollment period of Medicare Part D comes only once a year.

This year OEP is October 15 – December 7, 2014. If you are 65 and over, this is the time to changes to your Medicare supplemental drug plan coverage. If you enroll in a plan during Fall Open Enrollment, your coverage starts January 1.

Note: You can buy Medigap plans anytime. Use the form above to get free quotes.

 

Shifts in health-care plans can lead to soaring prices.

 

Are you turning 65? The enrollment period for Medigap starts right now.

It lasts for 6 months and starts on the first day of the month that you are both 65 years old and enrolled in Medicare Part B. During this time, you have your choice of any Medigap plan offered in your state. Shop around on this site and compare.

If you miss the deadline, you can still apply for Medigap insurance – and it becomes even more important to shop around because not all insurance companies will be able to cover your needs.

Open Enrollment 2015 | OEP Medicare 2015

Medicare Part D Open enrollment started on October 15th and will end December 7th.

Medicare Open Enrollment 2015 | Enroll Medicare Plans | Medicare.gov 2015 | Medicare.gov Advantage Plans for 2015

Medicare 2015 – Open Enrollment – Medicare and you 2015

The 2015 enrollment period for Part D.

 

When Can I Join a Medicare Part D Prescription Drug Plan for 2015?

If you currently have Medicare Hospital or Medicare Medical Insurance (Parts A and/or B), you can enroll or re-enroll in a Medicare Part D Prescription Drug Plan (PDP) or Medicare Advantage Plan with Prescription Coverage (MA.PD) starting on October 15 through December 7, 2014.

This time period is called the Annual Coordinated Election Period and your newly chosen Medicare Part D plan begins on January 1of the following year.

So, for the 2015 Medicare Part D Plans, you can enroll between October 15 2014 and December 7, 2014. Your 2015 Part D Plan will begin January 1, 2015.

(2) If you turn 65 or become eligible for Medicare outside of the Annual Coordinated Election Period, you have a seven (7) month window in which to enroll in the current year’s plan (2014) and avoid any possible penalties:

  • the three (3) months before the month of your eligibility (for instance, your Birthday month)
  • the month of your eligibility (e.g. the month you turn 65)
  • and, the three (3) months after the month you become eligible for Medicare (again, three months after your Birthday month).

Your coverage will begin either on the first day of your Birthday month or, when you join during or after your Birthday month, on the first day of the month after the month in which you join.

When is open enrollment for part c & d 2015? Medicare Open Enrollment 2015

Medicare Open Enrollment 2015 | Enroll Medicare Plans | Medicare.gov 2015 | Medicare.gov Advantage Plans for 2015You can only change your Medicare Advantage or Prescription Drug (Medicare Part D) coverage twice a year:

During the Open Enrollment period and the Dis-Enrollment period. Medicare part b premium 2015.

Medicare gov’s open enrollment 2015 season starts Oct. 15, and beneficiaries have a variety of choices of subsidized prescription plans. Seniors and their family members can use the online Medicare Plan Finder to input individual prescription lists, and find Medicare prescription plans in their region.

Almost 90% of Medicare’s nearly 50 million beneficiaries have some form of prescription drug coverage, with more than 17 million enrolled in private drug plans through the prescription drug program. Of those, 14 million are in the top 10 plans.

  • October 15, 2014 – Medicare open enrollment period begins for the 2015 benefit year
  • December 7, 2014 – Medicare open enrollment period ends for the 2015 benefit year
  • January 1, 2015 – Changes made during open enrollment period take effect

From October 15 through December 7, 2014, Medicare beneficiaries and those who are eligible for Medicare all have the opportunity to enroll in the Medicare Part D prescription drug program.

Medicare Part D is one of the fed’s most successful programs and a program that affects the lives of millions of Americans.  Part D provides Medicare beneficiaries in every state a choice of competing, affordable prescription drug plans to meet their medication needs.

The average monthly premiums for Medicare Part D prescription drug plans will remain the same in 2014 at approximately $30, the third consecutive year at that level.

Other changes to Medicare’s Part D in 2015 include increases in price discounts for beneficiaries who find themselves in the donut hole.

The discount on brand name drugs in the coverage gap will increase from 50 percent to 52.5 percent, and generic drugs from 14% to 21%.

Source for the below: uticaod.com

Medicare Part A: Covers inpatient care in hospital, hospice and nursing home and home health care (but not long term care). Free for most.

Part B: Covers doctor’s visits, tests and other outpatient care. Charges a premium.

Part C: Medicare Advantage plans let private companies offer both Part A and Part B benefits with fewer out-of-pocket costs than original Medicare. Many charge a premium on top of the Part B premium.

Part D: Prescription drug coverage purchased from a private company.

Medigap: Supplemental insurance from private companies that covers the deductibles and co-insurance not paid by original Medicare. Plans run from A to N.

Open enrollment: The only period during which beneficiaries may change Advantage plans or opt in or out of original Medicare. Medigap coverage may be purchased any time.

Doughnut hole: A gap in prescription drug benefits. In 2015, Part D enrollees will pay a monthly premium and may, depending on the plan, pay a deductible on prescriptions. Once any deductible is met, they pay copayments or co-insurance for their drugs until total drug spending – what the plan pays and what the enrollee pays combined – reaches $2,970 for the year. Then the enrollee pays 47.5 percent of the cost of brand-name drugs and 79 percent of the cost of generics until total out-of-pocket expenses for the year reach $4,750. After that, the enrollee reaches catastrophic coverage and pays only a small portion of drug costs, either 5 percent or copayments of $2.65 for generics and $6.60 for brands, whichever is more.

EPIC: A New York program that helps low-income seniors pay for Part D premiums and supplements their out-of-pockets drug costs. To be eligible, seniors must make less than $35,000 or $50,000 for a couple. For more information or an application, call 1-800-332-3742 (TTY: 1-800-290-9138).

 

Medicare Open Enrollment 2015 | Enroll Medicare Plans | Medicare.gov 2015 | Medicare.gov Advantage Plans for 2015