Are you ready for 2015 Medicare? Depending upon your needs, you should keep track of some important dates both in 2014 and 2015 to make sure you don’t miss enrollment deadlines. We’ve outlined a schedule of important 2014 and 2015 Medicare dates below.

happy-seniorAt Trusted Senior Specialists, we want to help you make the most of your Medicare benefits with the Medicare health insurance plan that best fits your own unique needs and budget. Please contact us at 1-855-474-6234 or at info@ilovetss.com.

Keep track of these 2014 and 2015 Medicare dates

Medicare Part D Prescription Drug and Medicare Advantage Plans

Open enrollment: You can enroll in either a Part D prescription drug plan or a Medicare Advantage plan that does or not contain Part D coverage from October 15 to December 7 of each year. Companies begin marketing their plans on October 1. New plans for 2015 become active on January, 1, 2015.

Note that people who become eligible for Medicare Part D or Medicare Advantage at some other time of year get a special enrollment period to sign up for the current year’s plan. These plans can become active in the month that the person starts receiving Part A and B benefits, so it is best to plan ahead by comparing current senior health insurance plans in advance.

Medicare Supplements Open Enrollment
Qualified beneficiaries can sign up for any Medicare supplement plan offered in their local area from the month of their 65st birthday until 6 months after that. In order to qualify, these seniors must already have enrolled in both Medicare Part A and Part B.

Seniors can still sign up for supplements after this period ends, but they may be subject to underwriting and other restrictions. This means that companies could decline applications or offer coverage at a higher rate to people with preexisting health conditions.

Guaranteed Issue Rights: These are the times when you have a right to get guaranteed issue supplements with no extra charges or chance of getting your application declined. In some of these cases, you may be able to select any level of supplement, but in other cases, you might be restricted to certain supplements.

  • You have Medicare Advantage, but your plan is leaving your service area, getting discontinued for reasons beyond your control, or you leave the plan’s service area.
  • You had only original Medicare and employer-based medical plan is discontinued or terminated.
  • You have a trial right to try either Medicare Advantage or a PACE program for 12 months when you fist qualify for Medicare. Within that first year, you can decide to switch back to original Medicare and a supplement.
  • You have another trial right to switch back to a Medigap policy if you had one and left it to try Medicare Advantage or Medicare SELECT.
  • In the unlikely event that your current Medicare supplement goes bankrupt or otherwise discontinues your coverage through no fault of your own, you have another guaranteed issue right.
  • If you have either Medicare Advantage or a supplement, and they do not follow the rules or otherwise mislead you, you have a right to select a supplement.

Do you have questions about signing up for Medicare health plans?
We are always standing by to answer your important Medicare questions. Our agents go through plenty of extra training and have experience helping seniors make the best use of their health benefits. Please contact us at 1-855-474-6234 or at info@ilovetss.com.

Comments

comments