close
close

Mondor Festival

News with a Local Lens

    • The Medicare deadline is approaching. What I say to my own parents
    minsta

    The Medicare deadline is approaching. What I say to my own parents

    Pabio Posted on

    Matt Berger
    | Guest columnist

    play

    Over the past 16 years, I have had the privilege of working with Medicare-eligible Tennesseans to provide health care plans that fit their needs and budget.

    Last year, I went from being a health care manager to being a patient when I had a health issue that required surgery. I have seen first-hand how confusing and overwhelming it can be navigating the healthcare system, even for someone who makes a living from it. That’s why I encourage everyone to familiarize themselves with their health plan options, so they can be prepared when they need them.

    This is especially true for Medicare-eligible individuals or their loved ones, as the annual enrollment period is open through December 7 and is an opportunity to select your coverage for the coming year.

    My parents have Medicare Advantage plans and they come to me every year to help them evaluate their options. Here are the main features I cover with them:

    Understand your options

    Medicare Advantage plans are offered by private insurance companies and are designed for people 65 and older or those who are eligible for Medicare because of a qualifying disability. It covers your Part A (hospital insurance) and Part B (medical insurance) needs, just like Original Medicare; However, Medicare Advantage plans may include prescription drug coverage (Part D) and may also offer additional benefits like dental, vision, or hearing coverage.

    This type of “one-stop shop” plan can be crucial for those who have multiple health needs and want a simpler, more convenient way to manage their care.

    Check your network

    I recommend verifying that your primary care physician is in your coverage network, as they play an instrumental role in your preventative care, including your annual wellness visit, getting recommended vaccinations, or catching early signs of chronic illness.

    Networks vary from plan to plan. Some have limited networks and require referrals to see a specialist, while others allow you to see a broader network of providers without specialist referrals.

    Evaluate your personal expenses

    Plan benefits and costs may change from year to year. It is therefore important to stay informed of the differences. Make sure you understand the costs associated with the plan you choose to avoid unexpected expenses.

    With Medicare Advantage, your covered medical expenses, including doctor visits and necessary emergency care, will never exceed a maximum amount you know in advance. This level of predictability can make a significant difference, especially if you need regular medical care.

    You have until December 7 to choose a Medicare Advantage plan or prescription drug plan for 2025. Take the time to evaluate your options and choose the plan that’s right for you or a loved one. To learn more about the different types of Medicare, eligibility, costs, coverage and more, visit Humana.com/MedicareFAQ or contact an authorized sales agent.

    Matt Berger is president of Humana Tennessee Medicare. Humana is a Medicare Advantage HMO and PPO organization with a Medicare contract. Enrollment in any Humana plan is contingent on contract renewal.

    Pabio
    View all posts

    You Might Also Like