Monthly Archives: September 2011

Get Ready: the Annual Enrollment Period Begins October 15th

October 15th is the beginning of the Annual Enrollment Period for Medicare Advantage plans and Medicare Part D prescription plans. If you have been on Medicare for a while and think this seems earlier than normal, you’re right.  Previously the annual enrollment period began November 15th and continued through December 31st. This year the period begins a month earlier, but it also ends earlier – December 7th.


The Annual Enrollment Period is important to all enrollees in Medicare Advantage plans and Medicare
Part D plans. Companies change their plans annually and will soon be sending enrollees details of their 2012 plans. This is the time to re-evaluate your current plan to make sure it is still appropriate for your needs. For Medicare
Advantage plans, be sure to review your 2012 plan’s:

  • Maximum-out-of-pocket amount
  • Daily inpatient hospital co-pay
  • Skilled nursing facility co-pay
  • Doctor and specialist co-pays
  • Diagnostic test co-pays
  • Outpatient surgery co-pays
  • Monthly premium
  • If your doctors remain in the plan’s network


For Part D plans and Medicare Advantage plans that include prescriptions, check your  plan’s :

  • Prescription formulary – are all your drugs included?’
  • Drug co-pays for the different tiers – how much have they changed?
  • Tier ranking of each of your drugs – have they changed?
  • Monthly premium
  • If your favorite pharmacy is still a preferred provider.


After reviewing your plan, if you want to see how it compares to other plans in your area, you can either go to or give us a call at 260-496-9229 and we will do a free review for you.


Remember, the Annual Enrollment Period ends December 7th. After that time the only change you can make is to dis-enroll from your Medicare Advantage plan and return to original Medicare with a stand-alone Medicare Part D plan.