Medicare Open Enrollment begins on October 15 and is the time of year when you can make changes in your Medicare health plan or prescription drug coverage for the coming year. While many people are happy with their current coverage, it's always smart to check to see what changes will be made in your plan and take a look at other options that are available.
Start by looking for these four C's:
1. Cost: Will your out-of-pocket costs change? Will there be increases in your premiums, deductibles and co-payments in 2015?
2. Coverage: Does your plan cover all the medications you're taking? Are your preferred doctors, health care providers and hospitals covered by your plan?
3. Convenience: Do you need prior authorizations or referrals? Are you restricted to using specific pharmacies? Can you get your prescriptions through the mail if you wish?
4. Customer Service: Do you have someone who provides personal service when you run into problems? Is your plan responsive when you have a question?
If you find your plan falls short of your expectations, give me a call. We will set up a time to review your options and help you find the coverage that best suits your needs at an affordable price. I can be reached at 440-255-5700 or via email at lmutsko@gmail.com.
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