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White House is 'close' on Japan, India tariff agreements but expect them to be light on specifics; Families in limbo following federal energy assistance program cuts- we have reports from NH and MD; NV adopted CA's 'clean car' standard, rule now under GOP examination.

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Educators worry about President Trump's education plan, as federal judges block several of his executive orders. Battles over voting rules are moving in numerous courts. And FSU students protest a state bill lowering the age to buy a gun.

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Migration to rural America increased for the fourth year, technological gaps handicap rural hospitals and erode patient care, and doctors are needed to keep the Eastern Band of Cherokee Indians healthy and align with spiritual principles.

Tips for Idahoans: Picking the best Medicare plan

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Monday, October 21, 2024   

It is the time of year when people can shop around and make sure they are signed up for the health coverage that makes the most sense for them.

Open enrollment for Medicare lasts through Dec. 7, an important date for more than 378,000 enrolled Idahoans.

Colleen Clark, program supervisor of the State Health Insurance Benefits Advisors program, which helps people with enrollment, has tips for how people can save money while looking at plans.

"The key is making sure that you get a plan that best meets your needs because you don't want to have unexpected costs, like find out that your favorite doctor is out of network or that the medications you have aren't covered," Clark explained. "That tends to be where we find the highest costs."

Clark noted plans can change from year to year and so it's important to stay on top of them. She added people can reach out to her program to speak with a counselor about their options. The program's number is 1-800-247-4422.

Dr. Rhonda Randall, chief medical officer and executive vice president of UnitedHealthcare Employer and Individual, said Medicare enrollees should also consider advantage plans.

"Things like dental, vision and hearing," Randall outlined. "Many Medicare beneficiaries might be surprised to know that original Medicare doesn't cover most of those things, but many Medicare Advantage plans do. I also recommend people to check for mental health coverage."

About 47% of Idahoans on Medicare have advantage plans. UnitedHealthcare also offers an online guide for navigating Medicare.

Clark noted the max out-of-pocket costs for prescription drug plans is lowering from $8,000 dollars to $2,000 next year. She pointed out people can also look into Medicare prescription payment plans.

"This is something new for 2025," Clark emphasized. "It allows folks that might have higher drug costs at the beginning of the year to spread out those monthly payments at the capped rate rather than having to pay the pharmacy directly at the beginning of the year with large costs."

Meanwhile, open enrollment dates vary for other types of health plans. People with employer-sponsored coverage typically select a plan during a two-to-three week period between September and December. And open enrollment for plans on the Health Insurance Marketplace generally runs from November 1 to January 15 in most states. More information is available at www.UHCOpenEnrollment.com.




Disclosure: UnitedHealthcare contributes to our fund for reporting on Health Issues. If you would like to help support news in the public interest, click here.


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