Its open enrollment season for Medicare, boys and girls and yes...that nice guy at the door isn't selling vacuum cleaners anymore... My favorite question today at work was: "is it ok for me to sign up with the HMO before I talk to you next week?" NO! If you simply remember this one line, you'll be ok: "If I didn't ask for it, I shouldn't buy it." It has become open season on seniors and their wallets.
Medicare plans have become so complex that you need to seek expert advice. The insurance salesman is an expert..on his own plan. He also gets a free trip to Vegas if he books enough, etc. So...here are some resources for you if you are on Medicare and either have or need a supplement that is not through your retirement or have or need a prescription drug plan that is not through your retirement:
First, ask a SHIP counselor. Its the State Health Insurance Program and the federal government underwrites this free, all-volunteer powerhouse who are specially trained to help you pick the best plan. And they don't have a stake in it, they will continue to not get paid no matter who you pick. Go to ShipTalk.org to find your local counselor and set up an appointment.
Next, if you are somewhat tech savvy, go to Medicare.gov and try to compare plans yourself. Since you don't get specialized training on the latest changes in the plans, which change all the time, you are doing this at your peril.
You only have until December 31 to pick a new drug plan, or to get on a Medicare Advantage program with a drug plan, or else you get to wait until next October to check plans again. Keep in mind that each year, the insurance companies are monitoring what they spend and adjusting their premiums and coverage accordingly. A number of these plans have made major changes, so don't assume that your plan was great this year so it will be next year.
Run, now, to a SHIP counselor near you!
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