Aging Well: Medicare offers its Annual Election Period
Every year, Betty Enos checks in with her Humana insurance agent "to find out if anything's changed; are they adding or taking away anything?" she explains.
Enos does this to prepare for Medicare's Annual Election Period which runs from October 15 to December 7, 2019. Inos says she's good for 2020. "I'm not going to make changes because I'm satisfied with what I'm getting," she smiles.
Experts advise everyone to review their plan, because once the period ends, you can't make changes for a while. Jose Cabrera is a sales director at Humana, a "health and well-being company" that offers Medicare Advantage plans. He explains why it's important to pay attention to open enrollment: "That's the plan that you have until next year- what you've selected in this annual election period. So it's important to sit with someone and make sure things are right for you now."
Some companies offer public seminars and fairs to reach out to seniors. Humana has events at Pearlridge Center Mauka and a kiosk at both Pearlridge and Windward Mall. Agents can explain all the Medicare changes and rules for the upcoming year. Cabrera lists a few examples: "A copay may go up, it may go down. You might notice they added on a transportation benefit, or they might have taken it away."
To figure out what plan works for you, think about what you want to do during retirement. "There's a lot of programs that offer gym memberships, hearing benefits," Cabrera suggests. Different agencies offer different benefits, so you need to check with each one.
Also, consider how your health needs may have changed over the last 12 months. "Has their health changed from last to this year? Maybe your hearing is not as robust as it used to be," he says.
Experts say finding the best Medicare plan offerings to your needs will give you the best coverage at the best cost- helping you in Aging Well.
If you need help with Medicare, call 1-800-MEDICARE (1-800-633-4227) or go to Medicare.gov.
HUMANA'S POP-UP EVENTS:
If you'd like to attend Humana's pop-ups, they will be at:
Pearlridge Center Mauka - Center Court
Nov. 5-7 and Dec. 3-5, 2019
10 a.m. to 3 p.m.
The pop-up offer free, public classes (for all ages), such as healthy snack and smoothie demonstrations, crafting classes, diabetes and nutrition education, and SilverSneakers® Fitness Program demonstrations. The pop-up aims to educate Honolulu area residents on health and wellness. Call (808) 540-2570 for more information or to RSVP for specific classes.
Pearlridge Center Mauka - Center Court - daily from 9 a.m. to 5 p.m.
Windward Mall - daily from 10 a.m. to 5 p.m.
Oct. 1 through Nov. 30, 2019
Licensed insurance agents will be available to answer questions such as:
• What are the differences between original Medicare and Medicare Advantage?
• What plan options would work best for me based on my health, lifestyle and income?
• What health and well-being benefits does each plan offer?
• What options are there for prescription drug, dental and vision coverage? Or coverage for hearing aids or fitness programs? Do plans offer wellness programs or coverage for over-the-counter (OTC) items?
In addition, agents can assist current Humana members with benefits- and claims-related questions. For information on Humana Medicare Advantage offerings, visit Humana.com/Medicare or call 1-800-213-5286 (TTY: 711), Monday through Friday from 8 a.m. to 8 p.m. local time.