10/23/2018 by Share Your Story

Episode 2 – Penalty for late enrollment | Medicare/Medigap vs. Medicare Advantage

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Topics: Medicare Penalty for late enrollment | Medicare/Medigap vs. Medicare Advantage

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THE INFUSION is hosted by co-founder and executive director of Patients Rising and Patients Rising Now, Terry Wilcox.

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In Episode 02 we continue with our discussion about Open Enrollment by taking a deeper dive into your Medicare options. Today there are 56.8 million Medicare recipients with 10,000 added every day as baby boomers age. Did you that each year thousands of Americans turning age 65 make a critical, lifelong mistake that can cost them hundreds of thousands of dollars in additional Medicare premiums? The Medicare Act requires you to sign up within a specific window, and we reference the article Late Enrollers in Medicare Face a Hefty Penalty from the Pocono Record, we talk this can really affect our seniors living on fixed incomes. You can learn more by visiting Medicare.gov Part B and Part D or My Medicare Matters, Understanding the Medicare Late Enrollment Penalty.

When it comes to picking your drug plan, it is important to do your research in finding the plan that best suits your needs. The options are enrolling in traditional Medicare Part A, B, and D and then getting a Medigap coverage policy to fill in all of the gaps. The other option is choosing a Medicare Advantage plan, also called Part C. This combines all of the parts under one policy and it is managed by an insurance company. Again, we reference a My Medicare Matters article, I’m New to Medicare. Should I Sign Up For a Medigap/Medicare Supplement Plan?

And lastly, we talked about step therapy and how The Centers for Medicare and Medicaid Services (CMS) is allowing this practice in Medicare Advantage Plans beginning on January 1, 2019 and could affect the 19 million Americans enrolled in the Medicare Advantage plans. If you are enrolled in a Medicare Advantage plan and receive any medicines under Part B coverage, it is definitely worth doing your research on this change and finding out how it may affect you. To learn more about what outpatient medicines Part B covers, visit Prescription Drugs (outpatient) at Medicare.gov


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