Medicare 2012 Options After Annual Enrollment
Congress is constantly changing programs financed with our tax dollars, and Medicare is no exception. Last year, significant annual enrollment dates for Medicare beneficiaries changed from October 15 to December 7. During this time, his government allowed him to change from one Medicare Advantage plan to the next; participate in the Original Medicare plan and a Part D plan for the first time; or choose a Medicare supplement plan and a Part D plan. All changes took effect on January 1.
Now that the annual enrollment dates are historic, health insurance options are limited but not eliminated. From January 1 through February 14, your government allows you to abandon your Medicare Advantage policy if you are not satisfied and return to Initial Medicare and choose a Part D plan or join a Medicare Advantage Five Star plan if you have one in your country. Five Star Medicare Advantage plans are few and far between, but if you have one in your area, you have until November 30, 2012 to join one.
Please note that if you end Humana Medicare Advantage plans after January 1 and exceed the six-month period, you may have to meet the medical subscription requirements of the chosen Medicare Supplement company. Medicare supplement policies help pay for some of the health care costs that Medicare does not cover. You have a six-month open Enrollment Period, which begins in the first month that you are 65 and are enrolled in Part B. During that time, you have the guaranteed right to purchase any available Medicare Supplement policy. in your state, regardless of your health status. However, once this period has begun, it cannot be postponed or replaced.
If you are 65 years of age or older in Medicare, you have seven months (3 months before to your month of birth, the month you were born, and 3 months after your month of birth) to enroll in Medicare Part A and Part B without being vulnerable to pain. If you are disabled, you can join Medicare three months before or three months after the twenty-fifth month of disability.
Although January 1 has already passed, you still have some options, but you should consider them very carefully, since your state of health is frontal and central. If you are beyond the open six-month period and have significant health problems, it may be better to have a minimally acceptable health plan than any health plan. Under these conditions, you must remain in your current plan until the next annual enrollment period. However, if you have a five-star plan in your area, do so.