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神州斯斯cc18tv手机版-Medicare open enrollment for 2020

Open enrollment allows you to review your plan and other options to see which Medicare plan works for you. 

Medicare open enrollment runs from Oct. 15 to Dec. 7 each year. Changes made during open enrollment begin on Jan. 1 of the following year.

Medicare's open enrollment is different than for the Affordable Care Act marketplaces, which are also called the exchanges. Open enrollment for those plans usually start on Nov. 1, but it can differ by state. 

Some seniors mistakenly think they can enroll in a Medicare plan through ACA health insurance marketplaces. But while the marketplaces will sell private individual health plans to people under age 65, they don't sell Medicare plans. People with Medicare do not need to enroll in the health insurance marketplaces.

Now, let's walk through what's new this year for Medicare, Medicare open enrollment options and what you need to know. 

啪啪啪视频高清-What’s new in Medicare in 2020

神州斯斯cc18tv手机版-The federal government has made a handful of changes in Medicare for 2020. 

神州斯斯cc18tv手机版-Medigap changes

日本高清不卡码无码视频-Medicare is getting rid of two types of Medigap plan options. Medigap, which helps people pay for Original Medicare (Parts A and B) out-of-pocket costs, isn’t available to people with Medicare Advantage. 

啪啪啪视频高清-Medicare is ending new enrollment of Medicare Supplement Plans C and F. Why is Medicare stopping new enrollment to those plans? They have no deductible. Congress believes people with these plans are more apt to overuse health care services. The change means that all Medigap options will have a deductible option. So, members will have to pay some out-of-pocket costs when they use Medigap coverage. 

lutuber老司机-No one will be to sign up for Part C or F after Jan. 1, 2020. However, people already with those plans will be able to keep them. 

lutuber老司机-Though Medicare is ending enrollment for those two plans, it's also introducing a new high-deductible Medigap plan called Plan G. 

日本高清不卡码无码视频-Find out more about Medigap plans


啪啪啪视频高清-Original Medicare premium increases

lutuber老司机-People with Original Medicare can expect to see Part B premiums and deductibles increase.

  • Part B monthly premium will increase by $8.80 to $144.30.
  • The deductible will increase from $185 to $197. 

啪啪啪视频高清-CMS is also increasing the income brackets for high-income people. That bracket will increase from $85,000 to $87,000 for a single person.


日本高清不卡码无码视频-Medicare Advantage changes in 2020

日本高清不卡码无码视频-People in Medicare Advantage, also called Part C, will likely have more choices and lower premiums in 2020. 

  • 神州斯斯cc18tv手机版-The Centers for Medicare and Medicaid Services estimates that:

    • The average monthly Medicare Advantage premium will decrease by 14% to $23 in 2020. That’s a drop from $26.87. The average premium has declined by nearly 28% since 2017. The $23 premium is the lowest cost since 2007. 

    日本高清不卡码无码视频-Private insurers offer plans in Medicare Advantage, which makes up about one-third of Medicare eligibles. Medicare Advantage usually has deductibles associated with them. So, even though Original Medicare often has higher premiums, Medicare Advantage has higher deductibles.

        日本一本2017国产-One reason why there are lower premiums is that Medicare Advantage is a competitive market. CMS said there will be about 1,200 more Medicare Advantage plans in 2020 compared to 2018. The average number of Medicare Advantage plans available by county is 39 in 2020. That’s an increase of 33 in 2019. 

        啪啪啪视频高清-Also, more plans will have cost-sharing and additional benefits for people with conditions like diabetes and congestive heart failure. About 300 plans will offer those extra benefits in 2020. Medicare Advantage also offers plans with supplemental benefits for chronically ill beneficiaries that goes beyond a doctor’s appointment. These benefits include transportation to non-medical needs, meals and an enhanced living environment. These additional benefits are meant to help people’s overall health. About 250 Medicare Advantage plans will offer these benefits. 

      • 神州斯斯cc18tv手机版-CMS is additionally allowing Medicare beneficiaries to get new supplemental benefits. About 500 plans will provide expanded additional benefits, including adult care services and caregiver support services. 

        日本一本2017国产-Telehealth is a growing trend and in 2020, Medicare Advantage will provide more access to health services. More than half of the plans will offer telehealth benefits. 

        lutuber老司机-CMS said it will also be easier to choose plans for 2020. CMS launched a redesigned  Medicare Plan Finder. The tool lets you compare original Medicare, Medicare Advantage and Part D prescription drug plans. Medicare enrollees can choose between Medicare and Medicare Advantage. They can also see about pairing a Part D plan with original Medicare. Part D is not available to people with Medicare Advantage since Part C plans often have prescription drug coverage. With that tool, you can also explore your options for Medigap.


        日本一本2017国产-Medicare open enrollment options

        So, we've gone over what's new in 2020. Now, let's discuss open enrollment, which runs from Oct. 15 to Dec. 7.

        During the Medicare open enrollment period you can:

        • Do nothing and keep your current Medicare medical and drug coverage.
        • Switch to a Medicare Advantage plan from Original Medicare.
        • Switch to Original Medicare from a Medicare Advantage plan.
        • Change Medicare Advantage plans.
        • Change Part D prescription drug plans, sign up for a drug plan if you don't have one now or drop drug coverage.

        lutuber老司机-If you're turning 65

        You have three months before your birth month and three months after your birth month to enroll in Medicare. 

        If you have an ACA marketplace, workplace or individual health insurance policy, you can keep it until your Medicare coverage begins.  Once your Medicare starts, you can cancel your marketplace or private health insurance policy without penalty.  If you're continuing to work and receive group health insurance from your employer, you may be able to delay signing up for Medicare Part B (without penalties) until your employment terminates.

        Part A, which covers inpatient care, is usually premium-free. So, you may want to enroll in Part A and keep your other coverage that covers outpatient and physician office visit care. 

        Discuss with your employer your healthcare coverage, if this situation applies.

        神州斯斯cc18tv手机版-Review your annual Medicare changes

        You may go through life changes that require you to change plans. For instance, your doctor may prescribe multiple medications or you may have a health scare. Plus, insurance companies add Medicare Advantage plans each year. It's a good idea to review your coverage annually and see if your plan is meeting your healthcare needs. 

        You should receive an "Annual Notice of Change" from your plans before open enrollment begins. Review the information to understand Medicare coverage and costs for next year. Among the questions to ask:

        • Does the prescription drug plan cover the medications you take? What are the coverage rules for drugs? Can you use your pharmacy or get mail-order prescriptions?
        • Are your doctors and hospital in the health plan's network? Do you need to get referrals to see specialists?
        • How much will you pay in premiums and out-of-pocket health care costs, such as deductibles, copayments and coinsurance?
        • What is the plan's quality rating?
        • Will you have coverage when you're out of state or the country?
        • Do you have access to other coverage, such as group health through a current or former employer? How will Medicare work with that insurance?


        日本一本2017国产-Two main ways to buy Medicare plans

      • 神州斯斯cc18tv手机版-Original Medicare

        The federal government runs Original Medicare, which includes Part A and Part B. Part A covers hospital care; Part B covers doctor visits, outpatient care, lab work, X-rays and preventive services.Medicare

        You likely won't pay a premium for Part A coverage if you and your spouse paid Medicare taxes while working. You do have to pay a deductible, however, before hospital coverage kicks in. You pay a monthly premium for Part B, as well as a deductible and coinsurance.

        With Original Medicare, you can see any doctor or go to any hospital that accepts Medicare.

        You can add a prescription drug plan -- Part D -- to your Parts A and B plans. In Part D, private insurers sell drug plans, which are approved by Medicare. You pay a monthly premium for a drug plan. Part D plans aren't available in Medicare Advantage, but many of those plans have their own prescription drug plans. 

        In addition ,you can buy a supplemental plan, called Medigap, to help cover some of your out-of-pocket costs. Private companies sell Medigap plans, which are standardized by letters A through N in most states.

        You don't have a guaranteed right to buy or switch Medigap plans during the annual Medicare open enrollment period in the fall. The best time to buy a Medigap plan is during the first six months you're at least 65 and enrolled in Plan B.

        During this period, federal law gives you the right to buy a plan, regardless of your health condition. You can still buy or switch Medigap plans later, but except in limited situations, Medigap plans can turn you down or charge you higher premiums based on your health. The Affordable Care Act provision prohibiting insurers from rejecting or charging higher premiums for people with health conditions doesn't apply to Medigap because the stipulation is only for those under age 65. 

        Medigap plans are not insurance. They help you pay for healthcare costs. 


        日本高清不卡码无码视频-Medicare Advantage

      • Private companies approved by Medicare sell Medicare Advantage Plans. These plans usually operate like health maintenance organizations or preferred provider organizations.

        You must use doctors or hospitals in the plan's network, or you pay more out of pocket for care. Medicare Advantage plans are an alternative to Original Medicare. Most cover prescription drugs. Some plans also cover vision and dental care. You pay a monthly premium as well as copayments or coinsurance. 

        You cannot buy a Medigap plan if you have Medicare Advantage.

        日本高清不卡码无码视频-Medicare prices

      • Medicare Advantage premiums have dropped since the Affordable Care Act in 2010. 

        How much does each type of Medicare cost? Here's a run down: 

        Part A - Nearly all Medicare beneficiaries don't pay a monthly premium for Part A.  However, if you're not eligible for premium-free coverage, you'll pay $437 for Part A. The deductible is $1,364 for each benefit period. (A benefit period begins the day you're admitted as an inpatient in a hospital or skilled nursing facility (SNF). The benefit period ends when you have not received any inpatient hospital or SNF for 60 days in a row.) The average deductible for Part A is $1,364.

        Part B - The standard Part B premium is $144.30, but tends to be a bit lower.  However, if you have a high income, your costs may be higher. The deductible is $197 for the year. Once you meet that deductible, you usually pay 20% of your Part B healthcare costs. 

        Part C -  The average monthly Medicare Advantage premium is $23 for 2020. Deductibles vary by plan, so you want to make sure you understand the out-of-pocket costs when comparing plans. 

        Part D (drug plan) - Most Medicare drug plans charge a monthly fee that varies by plan. The average monthly basic Part D premium for 2020 is $30. That's less than the $32.50 in 2019 and $33.59 in 2018. In fact, it's the lowest average since 2013. Deductibles vary, but no Medicare drug plan may have a deductible more than $435 in 2020. That's an increase of $20 from 2019. 

        Beneficiaries no longer have to pay more for medication when they reach the so-called "donut hole." The donut hole was when a Medicare member reached a certain level of drug costs. They would have to pick up the costs during that period. However, Congress eliminated the donut hole, so you don't have to deal with that anymore. 

        神州斯斯cc18tv手机版-Where to get help

        Visit Medicare.gov to get information about plans in your area or call 1-800-MEDICARE. You can also get help by contacting your State Health Insurance Assistance Program. The "Medicare & You" booklet is available for download on the Medicare website.

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        神州斯斯cc18tv手机版-Get quick and easy health insurance quotes


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