Hear What Our Clients Have to Say
Common Medicare Mistakes
“Chris is friendly, courteous, and knowledgeable. I would come back just to visit with him.”
And How to Avoid Them
The most common Medicare mistake that people make is not checking their medications during the Annual Election Period. The Centers for Medicare & Medicaid Services (CMS) allows changes to Medicare Part C and D plans during the Annual Election Period (AEP) that is from Oct. 15–Dec. 7. During the AEP, you may change from one Part D prescription drug plan to another with no prohibiting requirements. You may also change from one Part C/ Medicare Advantage plan to another. If you are on Original Medicare and a Medicare Supplement/Medigap policy, the AEP is the time you may drop your Medigap plan and enroll in a Medicare Advantage plan or vice versa. During this period, you can also get out of a Part C/Medicare Advantage plan and get a Medigap plan — generally after answering some underwriting questions. If you are on a Medicare Supplement, you may change your plan any time during the year, not just during the AEP. You will, however, need to answer underwriting questions. Some people may be rated or denied because of health issues, weight, etc. If you have expensive medications, it is important to examine which Medicare Part D prescription drug plan will be most advantageous for you during the AEP. Don’t simply stay on your current plan, assuming everything will be the same. Sometimes that works, but sometimes, insurance companies will make changes to their formularies, drug tiers, co-pays, and deductibles that could negatively affect you. Or there may be a better deal out there with another Part D plan. That being said, from my experience over the years, I can say that different Part D plans will have different levels of efficiency and customer service. Medicare uses a 5-star rating system, but I have seen Part D plans with fairly high ratings, and I am dumbfounded as to how they got that high of a rating. I have had thousands of clients over the years. I have listened to hundreds of complaints, so I can also offer my opinion on some of the Part D plans and insurance companies out there.
–Robert F.
Customer Service Contact Information
CUSTOMER SERVICE
CARRIER
AETNA
1 (800) 429-3585 M-F 8 AM to 9 PM Eastern Time
BC/BS OF NE
1 (800) 457-4708 M-F 8 AM to 8 PM Eastern Time 1 (800) 877-7703 M-F 8 AM to 5:30 PM Central Time 1 (800) 822-9993 M-F 7:30 AM to 5 PM Central Time 1 (800) 775-6000 M-TH 8 AM to 5:30 PM & Fri 8 AM to 5 PM Central Time 1 (800) 523-5800 M-F 8AM to 11 PM Eastern Time Sat 8 AM to 5 PM Eastern Time 1 (800) 288-5441 M-F 8:30 AM to 6 PM Central Time 24 Hour Nurse Advice Line: 1-800- 919-8807 1 (800) 245-6106 or 1 (800) 682 -0471 M-F 7:30 AM to 5 PM Central Time 1 (888) 488-9850 Medicare Advantage 1 (888) 592-8961 Medicare Supplement M-F 8 AM to 8 PM Central Time 1 (866) 459-4272 Medicare Supplement 1 (800) 222-6700 Medicare RX M-F 8 AM to 8 PM 1 (800) 338-7452 M-TH 7 AM to 5 PM Central Time Fridays 8 AM to Noon Central Time
CIGNA
GUARANTEE TRUST LEFE (GTL)
HUMANA
MANHATTAN LIFE MEDICO
MUTUAL OF OMAHA UHC
WELLCARE
In any event, I want you to find the best plan for you and to have an easy experience with your insurance plan.
WELLMARK (BC/BS OF IA)
402-614-3389 • 3
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