Jorgensen Law - December 2019

Informer

DECEMBER 2019 888-855-2948

San Diego’s largest and most successful Social Security Disability & Personal Injury Law firm

2020 MEDICARE OPEN ENROLLMENT

Know Your Options and Get Signed Up

Medicare Help USA | 855-872-4550 T he end of another year is rapidly approaching, so that means it’s time to start planning for the new open enrollment period for Medicare. Open enrollment begins Jan. 1, 2020, and remains open until March 31, 2020 . It’s important to make sure you know how to enroll, or re- enroll, and that you understand the plans that are offered. Here at Medicare Help USA, we’ve helped hundreds of people find coverage that fits their exact needs by breaking down Medicare into understandable bite-size pieces. Our goal is to help more people get the care they need without the frustration that usually accompanies the process. Those who are eligible for Medicare, meaning anyone over the age of 65 or selected people under 65 who have a long-term disability, have their choice between two types of plans. Here’s a basic look at what each of them are and what they consist of. ORIGINAL MEDICARE This plan offers a Part A or Part B. You can choose to sign up for one or the other and add supplemental insurance as needed. Part A helps pay for hospital stays and inpatient care. Part B helps pay for doctor visits and outpatient care. With either plan, you can supplement coverage by way of either Medicare supplement insurance plans offered by private companies, which help pay some out-of-pocket costs, or the Medicare Part D plan, also offered by private companies to help pay for prescriptions. Under any original Medicare plan, you’ll receive a specifically colored card to show your provider when you seek care, and most doctors in the country will take your insurance. MEDICARE ADVANTAGE Also known as Medicare Private Health, or Part C and Part D, Advantage has a wider range of plan options, including HMOs, PPOs, and PFFS plans. This plan combines all the benefits of both Part A and Part B of original Medicare, plus additional benefits. For example, your plan will also help pay

for prescriptions, cover routine vision and hearing exams, and limit your annual out-of-pocket costs. Instead of receiving a specifically colored card, you’ll use a membership card based on the exact plan you choose, which you’ll then present when you receive coverage.

It’s easy to see the additional benefits of enrolling in Medicare Advantage. Its wider range of services has consistently provided higher member satisfaction: 90% of seniors say they’re satisfied with their Medicare Advantage plan, and 87% say they’re satisfied specifically with the preventive care they’ve received through the plan. When compared to original Medicare users, Medicare Advantage users had 31% fewer hospitalizations, 19% shorter length of hospital stays, and 25% less money spent on health care overall. But regardless of reviews and statistics, you should always choose the plan that makes the most sense for the type of care you need and for the circumstances of your finances. You can reach out to us at Medicare Help USA not only to see which types you’re eligible for but also to get our expert opinion on which plan best fits your unique needs. We’ll even walk you through the application process! Take advantage of open enrollment starting Jan. 1, 2020, by visiting MedicareHelpUSA.com or calling us at 1-855- 872-4550 . Mark your calendar today so you don’t miss this important enrollment window!

–Robert Merrigan

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888-855-2948

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