It’s that time of year when people with Medicare review their health insurance choices and enroll in a Medicare Advantage or Prescription Drug plan for the coming year.
People typically have a lot of questions as they research their Medicare options, which primarily include Original Medicare, Medicare Advantage and Medicare Supplement plans, before finding the plan that best fits their needs.
Here are some of the most commonly asked questions that licensed Humana health insurance agents get from consumers during the Medicare Annual Election Period:
• When is the annual enrollment period to choose a Medicare plan for 2019?
The Medicare Advantage and Prescription Drug Plan Annual Election Period takes place from Oct. 15 through Dec. 7, 2018, for coverage that takes effect Jan. 1, 2019.
• How do I find out if my doctors, hospitals and specialists are in my Medicare Advantage provider network?
Most Medicare Advantage plans offer easy-to-use online tools to help you find doctors and hospitals that are in the plan’s network. A licensed agent can also help you look up hospitals and doctors to see if they’re accepting a plan and taking new patients.
• If I select a Medicare plan for the coming year, and then find that I don’t like it, can I drop it and choose another plan?
The plan you select by Dec. 7 will be your Medicare plan for all of 2019, with few exceptions, so it’s wise to research your options carefully. If you sign up for a Medicare Advantage plan for 2019, and then find that it’s not the right fit, between Jan. 1 and March 31, there will be an Open Enrollment Period during which you can switch from a Medicare Advantage or a Medicare Advantage-Prescription Drug Plan to another Medicare Advantage plan with or without prescription drug coverage. Or you can choose Original Medicare with or without a stand-alone Prescription Drug Plan.
Full information on 2019 Medicare health and prescription drug plans is available on www.medicare.gov.
For Humana plans, visit www.humana.com/Medicare.
You can also call 1-800-MEDICARE (1-800-633-4227) (or TTY: 1-877-486-2048) 24 hours a day, seven days a week, or call Humana at 1-877-877-0714 (TTY use 711) 8 a.m. to 8 p.m. local time, seven days a week.
Humana is a Medicare Advantage HMO, PPO, and PFFS organization, and stand-alone prescription drug plan, with a Medicare contract. Enrollment in any Humana plan depends on plan renewal.