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Welcome Medicare Hero Clients!

Welcome, we are happy you are here! We created this page specifically for all our Medicare Hero clients to utilize as a helpful resource throughout the year. So be sure to check back frequently, as we will continue to make updates.

At Medicare Hero, our service does not just stop after we sell you a policy. We are with you through every step of your Medicare journey. We encourage our clients to call us if they have any questions with their coverage, claims, or just want to be sure they still have the best rate.

Fall Annual Enrollment Period (AEP)

The Fall Medicare Annual Enrollment season is almost here, so we wanted to provide you with a few things to look out for when reviewing your coverage, as well as some helpful information to get through the season.

Every year, the Annual Enrollment Period (AEP) is from October 15 – December 7. This is a great time to review your coverage and ensure you are happy with everything, from benefits to costs. If any necessary changes need to be made to your coverage, now is the time to make them! 

* If you have reviewed your coverage and you are happy with your plan, your coverage is set to renew automatically, so nothing is needed on your end! 

What You Need to Know

Medicare Supplement Policyholders

Your Medicare Supplement coverage typically does not change benefits from year-to-year, unlike your Part D drug plan does. Typically, the only reason people will want to change their Supplement plan is due to a significant premium rate increase. However, rate increases only affect you on your policy anniversary, and has nothing to due with the Annual Enrollment Period (AEP), unless you signed up for your Supplement plan anytime in between October-December. If you have noticed a rate increase, we would be happy to provide you with a rate comparison from different companies to see if there is a better rate for your plan. 

Additionally, for Supplement policyholders, you can change your Medicare Supplement plan anytime of the year. However, it’s important to note that you will have to answer a health questions in order to be accepted. You might be wondering what type of questions they’ll ask you, that is a great question! While every insurance company is different and have their own list of questions, here are some examples that we pulled from various carriers to give you an idea of the type of questions they might ask you:   

  • Are you dependent on a wheelchair or any motorized mobility device?
  • Do you have diabetes? 
  • Do you have an implanted cardiac defibrillator?
  • Within the past 36 months, have you been medically diagnosed, treated or had surgery for any of the following (and then lists diseases such as cancer, blood disorders, melanoma, Hodgkin’s Disease, etc.)
  • Do you have Osteoporosis, and as a result, experienced a fracture?

 

As mentioned above, these are just some examples of the questions that they might ask you, but they do vary carrier to carrier. So in summary, if you have a Medicare Supplement plan and have not noticed any rate increases, you do not have to worry or do anything during the Annual Enrollment Period. 

Part D Policyholders

Part D Drug plans DO typically change year-to-year, and you will probably experience changes in your plan for the upcoming 2021 year. These changes can include benefits, premiums, deductibles, copays and network changes.

Around the first week of October, you should receive an Annual Notice of Change letter from your current Part D Drug plan insurance company. Additionally, drug plan information for the upcoming 2021 year will also be released during this time. It’s important to review your Annual Notice of Change letter because this will tell you about any changes to your plan in the upcoming year. This can include anything such as deductibles, monthly premiums, copays, network changes, and drug formulary for the next year. Keep in mind if you shop for a new Part D plan before October 1st, the plan (including benefits and costs) could change come October 1st. However, if you wanted to get ahead of the game, and start looking at potential plans, you can do so. 

Just like your other coverage Medicare coverage, it is important to remember that your drug coverage is set to automatically renew each year, so if you happy with your current drug plan then you do not need to do anything at all. However, if you have noticed rate increases or benefit changes and you are looking to shop for a new plan, we will provide you with some resourceful tools you can utilize to shop for a new plan

Read below for instructions on how to shop and compare your Part D plan options for next year.

Medicare Advantage Policyholders

If you have a Medicare Advantage plan, the Annual Enrollment Period (AEP) is an important time for you. This is the time to review your current coverage, and make any necessary changes if need be. Come October 1st, you should receive your Annual Notice of Change letter in the mail from your current Medicare Advantage company. It’s important to review this letter to see if there has been any changes to your Advantage plan. These changes can include anything such as benefits, premiums, co-pays, deductibles, networks changes, etc. 

Additionally, Medicare releases the Advantage information for the upcoming year on October 1st. This is when you can start comparing and shopping for a new plan if necessary. Keep in mind if you shop for a new Advantage plan before October 1st, the plan (including benefits and costs) could change come October 1st. However, if you wanted to get ahead of the game, and start looking at potential plans, you can do so. 

One of the most important things to pay attention to if you have a Medicare Advantage plan is any network changes, considering this is a crucial aspect of an Advantage plan. Network changes are often common with Advantage plans, so we recommend talking to your doctor(s) to confirm they will still be in network next year, with your new plan. A great question to ask your doctor is “Is there any chance you will be leaving the network?” Doctors can change networks any time during the year so it good to know in advance if they plan of making any changes. 

Your Medicare Advantage plan will automatically renew each year. So if you are happy with your current Medicare Advantage coverage, then you do not need to do anything at all.

Switching from a Medicare Advantage to Medicare Supplement Plan

If you are interested in a Medicare Supplement plan, but are currently enrolled in a Medicare Advantage plan, the Annual Enrollment Period (AEP) is the time to switch. During AEP, you can apply for a Medicare Part D plan as well. However, it is important to note that you will not automatically be enrolled – you will need to apply and be accepted by whichever company you applied for. This process requires you to answer health questions that are different for each carrier, and there is no guarantee you will be accepted. Although the health questions differ from company to company, here are some types of questions you might see: 

  • Are you dependent on a wheelchair or any motorized mobility device?
  • Do you have diabetes?
  • Do you have an implanted cardiac defibrillator?
  • Within the past 36 months, have you been medically diagnosed, treated or had surgery for any of the following (and then lists diseases such as cancer, blood disorders, melanoma, Hodgkin’s Disease, etc.)
  • Do you have Osteoporosis, and as a result, experienced a fracture?

New Helpful Plan Finder Tool ***COMING OCTOBER 1ST!***

We are excited to announce our new Plan Finder Tool that will be released October 1st! This tool is the best way to shop and compare RX plans and Medicare Advantage plans online. It’s easy to use and allows you to instantly shop and compare plans online. All you have to do is enter your zip code, pharmacy you use, and the medications you take and it will compare all the of the different plans available to you. Not only can you compare different plans, you are able to see all the details of the plan including the copays, deductibles, medication cost, if your prescription drugs are covered, etc. The best part about it is you can enroll online once you found the plan you want! 

If you wanted to check out plans, but are not ready to sign-up yet, a great feature the tool allows you to do is save your quote so you don’t have to type in all your information again. All you have to do is save the 8-digit “personal code” that it gives you in the top right corner. If you wanted guidance or had a question on the tool, you would just need to provide your agent here at Medicare Hero with that 8-digit personal code, and they will have access to all your information and plans. 

We will be creating a video to show you exactly how to use this new tool, so be on the lookout for that!

Important Annual Enrollment Dates

Mark your calendars! Here are some important dates that you should know when it comes to the Fall Annual Enrollment Period:

October 1st – “Annual Notice of Change” letter in mail – review any changes to your current coverage

October 1st – Medicare releases information on plans for the upcoming 2021 year

October 1st – New Plan Finder Tool Available!

October 15th – Fall Annual Enrollment Period (AEP) starts

December 7th – Fall Annual Enrollment Period (AEP) ends

Want Our Help Reviewing Your Coverage Options?

It doesn’t matter if this is your first time, or fifth time going through AEP, Medicare can be confusing. That’s why we are here to help! If you would like your agent to review your coverage options for next year, then you can start by filling out the “coverage review form” button below to request your coverage review. As soon as Medicare releases next years plan information on October 1st, we will review your options based on the information you provided us, and send you a personalized coverage review & recommendation. If you have any questions or want to make a change in your coverage, then feel free to give us a call at 1-(888)-321-6361 and in a few short minutes we can answer all of your questions and help you apply for your new coverage.