Why Switch to a 5-Star Medicare Plan

Medicare’s Annual Enrollment Period (AEP) is a critical time for Medicare beneficiaries to review and adjust their coverage. Below are some frequently asked questions to help you navigate this essential period and make informed decisions about your healthcare in 2025. 1. What is the Annual Enrollment Period (AEP)? AEP, also known as Medicare Open Enrollment, is the period each year when you can make changes to your Medicare coverage. It runs from October 15 to December 7. 2. What changes can I make during AEP? During this time, you can: Switch from Original Medicare to a Medicare Advantage plan or vice versa. Change from one Medicare Advantage plan to another. Modify your Part D prescription drug plan or drop it entirely. 3. Why is AEP important? AEP is your opportunity to ensure your Medicare plan meets your current healthcare needs. Your medical and prescription drug needs might have changed, and new plans or better pricing may be available. This is the only time outside of specific exceptions (like special enrollment periods) where you can make significant adjustments to your Medicare coverage. 4. Can I change my Medicare Advantage plan in January? While you can make some adjustments during the Medicare Advantage Open Enrollment Period (January 1 – March 31), your options are limited compared to AEP. You can only switch between Medicare Advantage plans or go back to Original Medicare, not make changes to Part D coverage. 5. What happens if I don’t make changes during AEP? If you don’t make any changes during the AEP, your current coverage will automatically continue into the next year. However, you may miss out on better plans or cost savings that could benefit you. Ready to Make a Change? With the AEP deadline approaching, it’s crucial to review your current Medicare plan and explore your options. Schedule a consultation with Medicare Insurance Specialists today to ensure your healthcare coverage is optimized for 2025.

As you think through what you need to do to take care of yourself and your family, please don’t overlook the importance of routine eye exams. Regular eye exams not only ensure you get the corrective lenses you need (if you need them), but they can also help identify more serious health concerns such as: 1. Hypertension Tears or bends in blood vessels in the eye may indicate high blood pressure. An eye exam can spot these changes, allowing you to take action before hypertension leads to more severe health issues. 2. High Cholesterol A yellow tint or ring around the cornea could signify high cholesterol. Detecting this early through an eye exam can help you manage cholesterol levels and reduce the risk of heart disease. 3. Autoimmune Disorders Eye inflammation can be a sign of an autoimmune disease such as lupus. Early detection through regular eye exams can lead to timely treatment and better management of such conditions. 4. Thyroid Disease Bulging or protruding eyeballs can often be a sign of thyroid problems. Regular eye exams can catch these symptoms early, leading to more effective treatment options. 5. Cancer Unusual eye structures can be a sign of ocular melanoma (eye cancer), and close observation of the eyelids can detect basal cell carcinoma (skin cancer). Early detection is crucial for effective treatment. Our eyes have been called the window to our soul, and it turns out they are also a very effective window into our overall health. If it’s been a while since your last eye exam, don’t put it off any longer—easily find an optometrist near you and schedule your eye exam today. Regular eye exams are covered at no cost under most Medicare Advantage plans , so take advantage of this benefit to keep your eyes and your overall health in check. If we can help in any way, please let us know.

Understanding Medicare Enrollment When you turn 65, you may wonder whether you need to sign up for Medicare if you have health coverage through your employer. The answer isn't always straightforward, as it depends on various factors, including the size of your employer and the type of coverage you have. Working Past 65: What You Need to Know If you or your spouse are still working at age 65 and receive health benefits through that job, you might be able to delay enrolling in Medicare. The key factor here is the size of the employer: Employers with 20 or more employees: Your group health plan pays first, and Medicare pays second. You can delay enrolling in Medicare without facing late enrollment penalties. Employers with fewer than 20 employees: Medicare pays first, and your employer's insurance pays second. In this case, it might be beneficial to enroll in Medicare as soon as you are eligible. Medicare and Creditable Coverage It is crucial to verify whether your employer's health insurance is considered "creditable coverage" by Medicare standards. Creditable coverage means that your employer’s health plan is expected to pay, on average, at least as much as Medicare’s standard prescription drug coverage. If your coverage is not considered creditable, you could incur penalties for delaying enrollment in Medicare Part B or Part D. Special Enrollment Period If you choose to delay Medicare because you have employer coverage, you won’t be subject to a late enrollment penalty as long as you sign up during a Special Enrollment Period (SEP). You have an 8-month window to enroll in Medicare that starts when your employment ends or your employer-provided health insurance ends, whichever happens first. COBRA and Retiree Health Plans If you have COBRA or retiree health insurance, the rules differ slightly: COBRA Coverage: If you have COBRA, you must sign up for Medicare Part A and Part B when you are first eligible. COBRA is not considered creditable coverage. Retiree Health Plans: Similar to COBRA, you need to sign up for Medicare when first eligible. Retiree plans may not cover services unless you have both Medicare Part A and Part B. Key Considerations and Next Steps Navigating Medicare alongside employer coverage can be complex. Here are some steps to ensure you make informed decisions: Consult Your Benefits Administrator: Discuss how your current employer health plan works with Medicare. Verify Creditable Coverage: Ensure your employer-provided prescription drug coverage is considered creditable. Plan Ahead: If you anticipate retiring or losing employer coverage, know your Special Enrollment Period to avoid penalties. For personalized guidance, it's always a good idea to speak with a Medicare specialist who can help you understand your specific situation and ensure you are making the best choices for your health coverage needs. Schedule a Consultation Need more clarity on how Medicare fits into your health coverage plan? Schedule a consultation with one of our qualified agents at Medicare Insurance Specialists. We'll help you navigate your options and ensure you avoid any penalties. Reach out today to secure your health coverage future!

As we age, staying active and connected becomes more important than ever. Physical activity not only improves our health but also enhances our quality of life by keeping us socially engaged. That’s where the SilverSneakers® program comes in—a fitness initiative designed specifically for seniors, offered through Medicare Advantage and some Medicare Supplement plans at no additional cost. Here at Medicare Insurance Specialist, we're thrilled to guide you through the perks of SilverSneakers and how you can make the most of this fantastic program. What is SilverSneakers®? SilverSneakers® is not just a fitness program; it's a gateway to a more fulfilling lifestyle for seniors. It grants complimentary access to a nationwide network of fitness locations, including gyms, wellness centers, and YMCAs. These venues offer specially tailored classes to accommodate all levels of fitness, fostering both physical and mental well-being. But SilverSneakers is more than just exercise; it’s a community offering a blend of social events, health seminars, and lifestyle workshops designed to nurture meaningful connections and an active, engaging life. Benefits at a Glance Access to Participating Locations: Enjoy the freedom of a complimentary membership at a wide array of fitness locations across the country. Whether you prefer gym workouts, swimming, or yoga, SilverSneakers has something for everyone. Social and Recreational Activities: Beyond physical health, SilverSneakers emphasizes the importance of social engagement through a variety of events and workshops. Flexibility and Convenience: With both in-person and online classes, the program caters to your personal preferences and safety considerations. Wellness Resources: Access resources on nutrition, sleep, and stress management for a holistic approach to your health. How to Participate Check Your Eligibility: First things first, ensure your Medicare Advantage or Supplement plan includes SilverSneakers. You can do this by contacting us at Medicare Insurance Specialist or checking directly on the SilverSneakers website. Sign Up: Once eligible, sign up online or over the phone to activate your SilverSneakers membership, giving you instant access to fitness locations and online resources. Explore and Engage: With your membership active, dive into the myriad of offerings. There’s always something new to try, ensuring your fitness journey remains exciting and enriching. Tailored Options for Your Fitness Journey For those enrolled in Blue Advantage, there's an additional benefit worth noting: a $90 per quarter Flex Card to pay for gym memberships at your chosen gym. It's a fantastic option for those who have a specific fitness center in mind or prefer a gym closer to home. Meanwhile, most other plans include the SilverSneakers program, allowing free access to contracted gyms nationwide. Simply use the code provided by your insurance plan to enjoy this benefit. If you're unsure about how to obtain your code or have any questions about the program, our team at Medicare Insurance Specialist is here to help. Your Invitation to a Healthier Life We at Medicare Insurance Specialist are committed to your health and happiness. The SilverSneakers program represents a wonderful opportunity to embrace a more active, engaging lifestyle without the worry of additional costs. Remember, this journey is not about performance; it's about enjoying life to the fullest, at your own pace and comfort level. For any questions about your SilverSneakers eligibility, obtaining your gym code, or exploring your fitness options, don't hesitate to contact us. Let's embark on this journey to a healthier, happier you together.