Top 5 Questions to Ask Your Medicare Agent During Medicare Annual Enrollment Period

During Medicare Annual Enrollment Period (AEP) between October 15 and December 7, Medicare beneficiaries can switch plans and change their coverage choices. The AEP is the perfect time to meet with your Medicare agent to review your current plan and to discuss any changes to your health needs and all of your Medicare options. Preparing a list of questions in advance and bringing a list of your current prescriptions, health diagnoses, and your preferred healthcare providers will help ensure you get the most out of the meeting.

Top 5 Questions to Ask Your Medicare Agent During Medicare Annual Enrollment Period

Now’s your chance to make sure you’re on the right plan for your needs. Come prepared with a list of questions that your Medicare agent can answer for you. Here are five questions to help you get started:

1. Is Original Medicare meeting my needs? Would I benefit from a Medicare Advantage Plan?

While Original Medicare includes hospital and medical insurance, it does come with out-of-pocket expenses and it doesn’t include dental, vision, or hearing coverage. Original Medicare doesn’t offer prescription drug benefits either, but a Part D prescription drug plan can be added to Original Medicare insurance. Kupuna may also add a Medicare supplement or Medigap plan to Original Medicare to cover some of their out-of-pocket expenses.

The number of Medicare Advantage (MA) Plans has increased substantially in the last five years; providing many affordable options that meet the needs of individual seniors. Most MA Plans include dental, hearing, vision, and prescription drug coverage. In addition, Medicare Advantage Plans may save seniors money. According to a 2021 analysis by ATI Advisory, Medicare Advantage beneficiaries report spending $1,640 less in their total annual health spending than those who are enrolled in Original Medicare.