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Updates

Get your regular updates here.

Updates

2025 Part D Details

October 4th, 2024
The Part D RX coverage is subject to many changes for 2025.
Reviewing Part D during open enrollment – 10/15 – 12/7 - could be very important to you.
 
Medicare is changing regulations on how we can help people enroll in Part D.  We want to be as helpful as possible in your understanding your Part D options while staying on the right side of these new regulations.
What is the saying????  The only constant is change.
 
Also, before we talk about Part D during open enrollment, please set up Medicare.gov accounts for each of you.
If you do on your own, the below will can get all your 2025 Part D options to evaluate.
 
Having an account online is the only way to save your info. and update, for later review.  (You can check Part D costs without an account**with no option to save your details, see below).
The Medicare site will give your costs for each plan available.  Variables are your prescriptions, pharmacy used,
deductible, plan premium.  Prescriptions are tiered to establish copays, formularies are the lists of drugs covered by each plan and at what tier.  You will be able to shop all plans here, looking at the variables that are important to you.
 
*To set up Medicare.gov account online:
The Medicare website changes often, and hopefully is intuitive.  This is current path to create account.  You may have to tweak as Medicare changes their site.
  1. In browser go to www.Medicare.gov
  2. Upper right, go to login
  3. Go to create account
  4. Follow prompts
Once you have account, you can log in and the below ** path #1-10 will get you where you need to go.  Or:
  1. After logged in, go to Open all Options
  2. Update my saved drugs
  3. Confirm pharmacy
  4. Start
  5. Check box you are not getting any extra help (bottom)
  6. Hit Find plans now
  7. Check Part D plan – not Medicare Advantage, or supplement
  8. Typically as we roll into open enrollment, there will be a toggle to check 2024 or 2025 plans.  Please double check you are in the correct year.  When you get to the step where you are looking at listing of all plans, it will say 2024 or 2025.
  9. Hit Find plans now
  10. See drug costs
  11. Confirm
  12. Hit done
 
**If you do not want to set up a Medicare account online, however you do want to check all Part D plans in your area, this is way to check anonymously:
     1.  Go to www.Medicare.gov
     2.  Go to “Find Health & Drug Plans”
     3.  Enter your zip code
     4.  Enter you want to look at Part D plans
     5.  Check the box that you do not get any extra help.
     6.  Highlight yes that you want to see drug costs
     7.  You can enter your prescriptions and pharmacy next. 
8. Typically as we roll into open enrollment, there will be a toggle to check 2024 or 2025 plans.  Please double check you are in the correct year.  When you get to the step where you are looking at listing of all plans, it will say 2024 or 2025.
     9.  Hit next to get personalized details and costs of plans available in your zip code – on right side towards middle to top of all plan details, confirm you are sorting by lowest drug & premium cost.
   10.  The Medicare site will give your costs for each plan available.  Variables are your prescriptions, pharmacy used, deductible, plan premium.  Prescriptions are tiered to establish copays, formularies are the lists of drugs covered by each plan and at what tier. 2024 will display.  We will look at 2025 when we talk.
 
Once you choose a plan, please enroll.  You can do this on Medicare.gov*, or call Medicare, 1-800-633-4227 –  Typically Medicare asks you to enroll on their website….it is relatively intuitive.  One helpful note, when they ask what your enrollment period is, it is Annual enrollment if 10/15 – 12/7, losing employer coverage if dropping employer coverage after age 65, or new to Medicare if just turning 65.
Annual Enrollment - Please enroll before 12/7. You can call me to review before enrolling.

Additional Part D meetings

October 4th, 2024

Our screen share for Part D is offered Wednesday 10/16 – 5pm PST & Saturday 10/26 3pm PST

Double click  the following link  -  https://meet.goto.com/julie3

You will "Join Browser", you do not need to download app.

“No” to camera access.

“Yes” to microphone on.

I believe in lower right you can raise hand for questions, if I need to mute from my end.

Online Part D Class

October 4th, 2024
Our screen share for 2025 Part D enrollment is offered, Tuesday 10/1 at 4pm. and Saturday 10/5, 3pm.  More classes if enough interest.
 
Going forward, the help we will be able to offer you with Part D is changing.  You will have homework before we talk, get together, or you assess your options on your own.
Please use this link on your computer to join our meeting  https://meet.goto.com/julie3
You will “Join Browser”, you do not need to download app.
No to camera access.
Yes to microphone on.
I believe in lower right you can raise hand for questions, if I need to mute from my end.

Medicare open enrollment

August 24th, 2023

Open enrollment is rapidly approaching for your Part D and Medicare Advantage plans...Oct. 15 - Dec. 7 - Please call in for appointment to review your current coverage. These reviews can be very important for you, going forward. Soon we will have a way to set your own appointment, online, at your convenience. We will email you details soon.....or call/email to set appointments now.

Please call or text 559-960-9655 to set an appointment, or email me at Julie@InsuringByDesign.com

Community Hospitals & Medicare

January 17th, 2023

Fresno & Clovis Community Hospitals available in your Medicare insurance plan?

Hi again! We want to pass along some important news for some of you.

Per the link -

https://www.fresnobee.com/news/health-care/article270827482.html

Community Hospitals is not currently in-network for Anthem, Cigna, UnitedHealthCare and I was just told Aetna, in the Medicare Advantage, commercial, and employee group markets.

As we understand it, these Medicare Advantage plan members could have access on a case by case basis.....or not.

Also, as we understand it, these contracts and network restrictions do not apply to Medicare Supplement insureds. This is original Medicare, and all provider payment structures and details are between Medicare and the providers.....insurance companies are not involved. So those of you with Medicare Supplement are unaffected.

Hope this helps!

A couple of things that might be important to you:

January 16th, 2023
1. If you have a Medicare Advantage, you have 1/1 till 3/31 to make a onetime 2023 open enrollment change.

2. Safe money. Many of us have dollars on the sidelines.....cash account in our investment portfolio, in a CD, or sitting in the bank.......as we wait out the stock market. Right now, guaranteed annuities, 3 year commitments, are paying 5% plus per year. Gives you some hedge against inflation as you wait to decide how to go forward with the stock market, or your safe money. Please contact us if you want to figure out if this might work for you.
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