Medicare

Did you know Medicare’s Annual Open Enrollment Period is one of the most critical times of the year for seniors in Southern Alabama? This key time runs from October 15th to December 7th, and this window allows Medicare beneficiaries to make important changes to their coverage. Whether it is switching between Original Medicare and Medicare Advantage, adjusting Part D prescription drug plans, or exploring new benefits for the upcoming year, there is much to consider for you and your loved ones. With the healthcare landscape constantly evolving, staying informed about your options is essential to ensure you are  receiving the best possible coverage for your needs.
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As you age and think about your future are you concerned that you may need someone to care for you or need Medicaid or some type of long-term care? Have you completed any planning for the future, including long-term care?   Actually, with less than half of all Americans today having an estate plan, it is not surprising that even fewer have planned for their long-term care needs. Long-term care planning, or elder law planning, addresses the need for a possible future when you may need to rely on another person each day due to physical impairments or mental cognitive issues.
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Are you an Alabama senior on Medicare? Are you aware that the Medicare Open Enrollment Period is coming up? As an Alabama elder law firm, we understand the significance of the Medicare Open Enrollment Period for our clients' healthcare and financial well-being. Each year this event takes place from October 15th to December 7th and prompts numerous questions from Alabama seniors seeking to make informed decisions about their healthcare coverage. We want to address some frequently asked questions related to the Medicare Open Enrollment Period to equip you with valuable insights to assist you in your annual plan review.
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Friday, April 16, 2021, is National Clean Out Your Medicine Cabinet Day. You may be ready to go in your own household, but what about your parents or other older loved ones? As we get older, we tend to accumulate more medicine for various illnesses or ongoing conditions. It can also become easier to forget what is in the cabinet.

Are you prepared for Medicare open enrollment? If you or a loved one are enrolled in Medicare, now is the time to review your healthcare plan and your medical needs to see if you need to make changes to your current Medicare coverage. 

Every year in September, Medicare plans send out an Annual Notice of Change letter or an Evidence of Coverage letter outlining your plan benefits and notifying you of any changes to coverage.  It can be important to review these notices closely because Medicare insurance policies make changes every year.  Those changes may include changes in premium pricing, co-pay amounts and requirements, or even changes in coverage. 

It is also important to spend some time thinking about your own healthcare needs for the year as you prepare for Medicare open enrollment.