Medicare Open Enrollment Last Call: What Seniors Need to Do Before December 7

Medicare Open Enrollment is one of the most important times of the year for seniors to review, adjust, or switch their Medicare plans. Running from October 15 to December 7, this period offers the chance to ensure you have the right coverage for the coming year. With the December 7 deadline fast approaching, now is the time to make any final changes. Here’s a checklist of essential steps to take before Medicare Open Enrollment closes, along with guidance from BroadZero to help seniors in Philadelphia make confident, informed choices.

1. Review Your Current Plan

Start by reviewing your current Medicare plan. Take a look at the coverage details, costs, and any changes made to the plan for the coming year. Many seniors find that their healthcare needs evolve, so it’s essential to determine whether your existing plan still aligns with your requirements. Consider the following:

• Out-of-pocket costs: Have your premiums, deductibles, or copays changed?
• Prescription coverage: Are all of your medications covered under your current Medicare Part D plan? Have there been any changes to the formulary that might increase costs?
• Provider network: Ensure your preferred doctors and hospitals are still in-network if you’re on a Medicare Advantage plan

At BroadZero, we can help you assess your current coverage and identify any potential issues, so you’re fully prepared before Open Enrollment ends.

2. Explore New Medicare Advantage and Part D Plans

Medicare Advantage (Part C) and Prescription Drug (Part D) plans vary each year in terms of coverage, cost, and benefits. Even if you’re satisfied with your current plan, it’s a good idea to compare it against other available options. New plans may offer better benefits, lower costs, or extra perks like dental, vision, or wellness programs.

BroadZero’s experts in Philadelphia can guide you through the options and highlight new plans that might better suit your needs. We make comparing plans easier, so you don’t miss out on potential savings or added coverage benefits.

3. Check Your Medication Coverage

Prescription drug costs are a significant concern for many seniors, so it’s essential to verify that your Medicare Part D plan still covers your necessary medications at an affordable price. Formulary changes occur annually, and some medications may have been dropped from coverage or assigned a higher copay.

BroadZero can help you review and compare Part D plans to ensure you’re selecting a plan that minimizes your out-of-pocket expenses for prescriptions. For many seniors, this review is key to avoiding surprise costs.

4. Consider Your Health Needs for the Coming Year

Take stock of any changes in your health that could affect your Medicare needs. For example, if you have been diagnosed with a new condition, need more frequent doctor visits, or anticipate increased medication costs, you may need a different plan to ensure comprehensive coverage. Understanding these changes helps you choose a plan that aligns with your evolving healthcare needs.

5. Seek Professional Guidance from BroadZero

Medicare Open Enrollment can be overwhelming, but you don’t have to go through it alone. BroadZero specializes in helping Philadelphia seniors understand their Medicare options and find the best plans. Our team will assist you in comparing plans, assessing coverage options, and making any last-minute changes, so you feel confident about your healthcare coverage for the coming year.

Final Thoughts

With the December 7 Medicare Open Enrollment deadline approaching, now is the time to finalize any changes to your coverage. Review your current plan, explore new options, and ensure your healthcare needs are fully met. BroadZero is here to help Philadelphia seniors navigate Open Enrollment and make informed decisions for 2024. Don’t wait until the last minute—reach out to BroadZero today for personalized guidance and support.