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Navigating Medicare
What You Need to Know Right Now: Open Enrollment
<strong>Open Enrollment for Medicare runs from October 15 to December 7.</strong> This is your chance to review your coverage, compare plans, and make necessary changes.
<em>Learn More About Open Enrollment</em>
What is Medicare?
Medicare is a federal health insurance program designed to provide coverage for individuals aged 65 and older, as well as certain younger individuals with disabilities or specific medical conditions. Visit Medicare.gov online for more detailed information.
How Does Medicare Work?
<strong>Part A (Hospital Insurance)</strong>: Covers inpatient hospital stays, skilled nursing facilities, hospice care, and some home health services.
<strong>Part B (Medical Insurance)</strong>: Covers outpatient care, doctor visits, preventive services, and some home health care.
<strong>Part C (Medicare Advantage)</strong>: Offered by private insurance companies, these plans combine coverage from both Part A and Part B and may include additional benefits, such as dental and vision care.
<strong>Part D (Prescription Drug Coverage)</strong>: Provides coverage for prescription medications, helping to reduce out-of-pocket costs for medications.
What Does Medicare Cover?
- Hospital stays and inpatient care
- Outpatient care and doctor visits
- Preventive services (such as screenings and vaccinations)
- Home health care
- Hospice care
- Prescription drugs
Michigan Medicare Medicaid Assistance Program (MMAP)
The Michigan Medicare Medicaid Assistance Program (MMAP) is the state's SHIP program (State Health Insurance Assistance Program) which offers free and confidential counseling for individuals who have questions about Medicare, Medicaid and private insurance plans. MMAP assists beneficiaries with:
- Understanding Medicare benefits and coverage options
- Navigating Medicaid services
- Evaluating prescription drug plans
- Applying for financial assistance programs
- Resolving issues with coverage or claims
For assistance with navigating open enrollment, contact MMAP to schedule time with a counselor using this link or by calling 1-800-803-7174.
Key Takeaways for Changes in 2025
Changes from the Inflation Reduction Act will take effect next year.
- Lower out-of-pocket limit in Part D drug plans erases the old “donut hole.”
- Weight loss drugs may be covered to treat other medical conditions.
- Your Medicare Advantage plan may not stay the same; look for a midyear statement from your MA plan.
- Caregivers for loved ones with dementia may be eligible for respite care.
- More mental health counselors are encouraged to enroll as providers.
Staying informed about Medicare is essential for making the best healthcare choices. For the latest updates and information, bookmark this page: <strong>Navigating Medicare</strong>.
