By Ulla-Undine Merritt (Dee) National Producer Number (NPN) 8853366
Medicare Beneficiaries who currently have Medicare Advantage Plan and Part D (Prescription Drug Plans) should have received their “Notice of Change” documents in September. These notices compare any plan changes from your current 2021 plan to your new 2022 plan. You will be automatically re-enrolled in your current plan if you do nothing and the new changes will take place January 1st, 2021. OPEN ENROLLMENT for MEDICARE PLAN changes starts October 15th and runs through December 7th, 2021, for a January 1st, 2022, effective date. The last plan you select during this period will be your plan for 2022.
Medicare can be very confusing so I would recommend that you meet with a licensed insurance broker that represents multiple insurance carriers. You should explain to them your current needs and concerns. Having a local agent that specializes in Medicare Plans is important. If you have a question, you should be able to reach that person who enrolled you in your plan. If you go online or call a toll-free number chances are, they are not local, and you will not be able to talk to them to clarify any questions later. It is important to know that it is illegal for anyone to contact you without your permission, if they do this ask them for their national producer number and name and tell them you will report them to Medicare. They should never call, knock on your door, and things on your door or car or confront you without your permission.
Dates and deadlines for 2022 health insurance – Health Insurance Marketplace.
You can enroll in or change 2022 Marketplace health insurance right now. The 2022 Open Enrollment Period runs from Monday, November 1, 2021 through Saturday, January 15, 2022.
• November 1, 2021: Open Enrollment started — first day to enroll, re-enroll, or change a 2022 insurance plan through the Health Insurance Marketplace®.
• December 15, 2021: Last day to enroll in or change plans for 2022 coverage that starts January 1, 2022.
• January 1, 2022: 2022 coverage starts, if you’ve enrolled by December 15, 2021 and paid your first premium.
• January 15, 2022: Last day to enroll in or change plans for 2022 coverage. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.
• February 1, 2022: 2022 coverage starts if you enrolled by January 15, 2022 and you’ve paid your first premium.
Individual/Family – There are other options available if you do not have pre-existing conditions. These plans can be a lot less expensive especially if you do not qualify for government subsidy. There are national carriers that offer very good plans with comprehensive coverage.
You should really work with a local broker to explore all your options. Don’t invite strangers into your house or give them your personal information over the phone. With Social Media, Facebook, WebEx solicitation if you do not know them please be careful. There are so many scams out there. Go or call a local agent, build a relationship and if in the future you have a question you can back and see them.
Also remember when moving you may have a special enrollment period to apply or change your health insurance coverage. Also check your wills, trusts, and make sure they follow Florida’s laws and guidelines. Establish yourself with a local Insurance Broker, Attorney and CPA. Ask a professional, most of the time your first consultation is at no charge.
To learn more about your options, call to schedule an appointment:
Logical Insurance Solutions for all your insurance needs – Dee Merritt
info@logicalinsurance.com
www.Logicalinsurance.com 239-362-0855