Medicare is a program for people who are 65 or older and people with disabilities. You can read more about Medicare here. If you have Medicare now, then...
It's time to review your Medicare Plan!
October 15, 2019 to December 7, 2019 is the annual Medicare Open Enrollment Period. Your new selections go into effect on January 1, 2020. During Open Enrollment you may:
Change from original Medicare to a Medicare Advantage Plan
Change from a Medicare Advantage Plan back to original Medicare
Switch Medicare Advantage plans
Join a Medicare Part D Prescription Drug Plan
Switch Medicare Part D Prescription Drug Plans
IMPORTANT: Review your coverage--especially Part D and Medicare Advantage Plans--every year!
Premiums, co-pays and the drugs covered can change from year-to-year, even within the same plan. Your current plan should send you an "Annual Notice of Change" before Open Enrollment that outlines any changes for the next year. Medicare Part D plans are sold and managed by private companies and vary greatly in terms of monthly premiums, annual deductibles, drugs covered and prescription prices.
Insurers tweak Medicare Advantage Plans every year, and those changes could mean that you can't see your favorite doctor or that you might need to pay more.
So--REVIEW, REVIEW, REVIEW!!!
Note: Low-income individuals on Medicare may be able to change their plans more frequently. A MMAP counselor can explain your options.
MMAP Counselors Are There For You--For Free!
Every state has people who will help you figure out your Medicare options. In Michigan, these people--paid staff, and volunteers--work with the Medicare/Medicaid Assistance Program. In Michigan, you can find your local MMAP program here. Nationally, the SHIP (State Health Insurance Assistance Program) can help you find assistance locally.
MMAP Counselors can help explain how Medigap and Medicare Advantage programs work and can help you sift through your options for Part D plans. They can help you figure out if you can defer taking Medicare because you are still working. They can help you figure out if you qualify for extra help!
Some People Qualify For Extra Help
If your income is low, you may qualify for extra help.
One kind of support is the Extra Help with Medicare Prescription Drug Plan Costs. In most cases, to qualify for Extra Help, your annual income must be limited to $18,735 for an individual or $25,365 for a married couple living together. (There are some cases where your income can be higher.) Your resources (assets) must be limited to $14,390 for an individual or $28,720 for a married couple living together—but this does not count your home, car, or life insurance policies.
Another kind of extra help is the Medicare Savings Program. The Medicare Savings Program may help you pay your Medicare premium, or you may qualify for Medicaid and Medicare which together will cover all your health care costs. To qualify for the Medicare Savings Program you must be low-income and not have many assets. For married couples, your combined income must be less than $1923/month and you must have less than $11,600 in assets (excluding a house and car). For single people, your income must be less than $1426 and you must have less than $7730 in assets.
If you think you may qualify for Extra Help, talk to a MMAP (Medicare/Medicaid Assistance Program) counselor.
Just MMAP It!
Washtenaw County is in a MMAP region that includes Livingston, Monroe, Macomb, St. Clair and Oakland counties. There are multiple ways to meet with MMAP counselors and MMAP and the Area Agency on Aging 1B have multiple events scheduled for Open Enrollment. Call 1-800-803-7174 to schedule an appointment. Call now because availability is limited!
2020 Open Enrollment Washtenaw County Events
Medicare beneficiaries can make an appointment to meet one-on-one with a MMAP Counselor and review their 2019 Medicare coverage options. Call 800-803-7174 to schedule an appointment. Appointments are required.
Washtenaw ISD 1819 S. Wagner Rd. Ann Arbor, MI 48103
Tuesday, October 15 9am - 2pm,
Tuesday, November 12 9am - 2pm
Thursday, December 5 9am - 5pm
Milan Seniors for Healthy Living 45 Neckel Ct. Milan, MI 48160
Call 734-508-6229 for appts
Thursday, October 17 9am-2:30pm
Thursday, November 14 9am - 2:30pm
Pittsfield Twp. Senior Center 710 W. Ellsworth Rd Ann Arbor 48108
Call 734-822-2117 for appts
Wednesday, October 25 9am - 1pm
Wednesday, November 13 9am - 1pm
Printable schedule of events for Southeastern Michigan including Washtenaw, Livingston, Monroe, Macomb, St. Clair and Oakland.
Medicare Medicaid Assistance Program (MMAP) or call 1-800-803-7174
Medicare Fraud - Learn about potential fraud and how to report it.