Medicare open enrollment
As I see all the ads for open enrollment for many of the Medicare Advantage plans on television, I felt compelled to write this.
I have worked in healthcare for over 30 years for self-employed private practice physicians. There have been so many changes in healthcare over those 30 years. The biggest challenge in a physician’s office now is that insurance companies don’t allow a physician to practice medicine.
Medicare advantage plans certainly makes things difficult for the primary care practitioner. Many of the Medicare Advantage plans may offer that “zero premium” and “prescription drug coverage”, but what about that famous “donut hole” for prescriptions where the patient pays a certain dollar amount out of their pocket for their prescriptions.
If I could offer any advice to our senior citizens, please review your options carefully, and don’t make any immediate decisions at the time you are presented with the information.
If you have minimal medical problems the Medicare advantage plans may be a suitable option. If you require frequent trips to the doctor and are taking multiple medications, many of which may not be available as a generic and can be costly, please review those prescription drug plans carefully.
Unfortunately, it is so confusing I feel people make uninformed decisions and then face the consequences after the fact.
As the saying goes, “you get what you pay for”. I wish all our senior citizens facing this decision the best of luck.
It’s not an easy task and takes a lot of time and effort to figure out the best plan that suits your individual medical needs.