Helpful Tips for Navigating Medicare Open Enrollment for 2023

The world of Medicare/Medicaid can be extremely confusing.

Each year, open registration takes place from October 15 to December 15. 7. It allows individuals to review and make changes to their Medicare Part D prescription plans and Medicare Advantage plans. Authorized changes include monthly premiums, annual deductible copayments, prescription copayments, prescription form (list of drugs covered) and pharmacy network.

This process can be overwhelming – how do you know which option is right for you? Here are some tips for navigating open enrollment season:

Know the difference between Medicare and Medicaid. “Medicare is a medical program for people over 65 and younger people with disabilities and dialysis patients. Medicaid is a medical expense assistance program for low-income patients,” explains the US Department of Health and Human Services.

If you’re a senior, you’re probably navigating the world of Medicare. All changes to your plan must be made by December 7, and new coverage begins January 1, 2023.

Seek help from a trusted source. The Michigan Medicare/Medicaid Assistance Program (MMAP) provides unbiased help with Medicare and Medicaid at no cost. This statewide program does not sell health insurance plans – certified volunteer counselors are there to help you understand your options. It is designed specifically to help older people, their families and caregivers understand, access and apply.

As MMAP Regional Director Bob Callery explains, “When people contact us they may not be sure of the types of questions they should ask, MMAP counselors can help people navigate the complexities of Medicare. Our advisors are unbiased and want to help people find what best suits their needs and is most cost-effective. »

You can schedule an appointment with an MMAP specialist at 1-800-803-7174, through the West Michigan Regional Office at 616-456-5664, or by emailing [email protected] org.

Watch out for scams. During open enrollment in particular, scammers take advantage of this time of year by impersonating representatives who offer assistance in enrolling you in healthcare. Here are some quick tips from the Kent County Elder Abuse Coalition:

  • Scam: An unsolicited “agent” calls you and offers to enroll you in a health insurance plan. Legitimate agents need your permission to contact you.
  • Scam: The scammer will ask for your personal information, such as your Medicare or Social Security number. You can still get information about health insurance plans without providing an ID number. Identification numbers are only required upon actual registration.
  • Scam: Scammers may offer “free gifts” in exchange for your personal information. Real agents will never refuse service in exchange for your personal information.

An important part of open enrollment is making the best choice for your healthcare needs. Being aware of scams, understanding your options, and getting support from the Michigan Medicare/Medicaid Assistance Program can all help make your open enrollment season a smooth one.

About John Tuttle

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