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Russia rains missiles on Ukraine after Trump names new envoy to conflict; Indiana-built, American-made sound rocks the world; Calls to LGBTQ+ helpline surge following Election Day; Watchdogs: NYS needs more robust ethics commission.

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The Democratic Party is regrouping, but critiques continue. The incoming Trump administration looks at barring mainstream media from White House briefings, and AIDS advocates say the pick of Robert F. Kennedy Junior for DHHS is worrying.

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Residents in Colorado's rural communities face challenges to recycling, climate change and Oregon's megadrought are worrying firefighters, and a farm advocacy group says corporate greed is behind high food prices in Montana.

Medicare open enrollment underway with key changes

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Wednesday, October 23, 2024   

It is the time of year when people on Medicare can make changes to their health plans. For more than more than 700,000 Oklahomans, it means doing some research to see if their current Medicare coverage still fits their needs.

Medicare does not cover all health care expenses, so most patients have a supplemental plan to help cover the difference. It is important to make sure your doctor is in your plan's network and the medications you take are still covered, as they can change year to year.

Caitlin Donovan, senior director of outreach and communications for the Patient Advocate Foundation, said reviewing your coverage now means you will not get caught by surprise come January, when any changes go into effect.

"It's not something we want to spend a lot of time doing, because it's not very fun," Donovan acknowledged. "But often people will spend more time picking out their new iPhone or their cellphone plan than their health care plan, and you lose a lot of money that way."

Medicare open enrollment runs through Dec. 7. Websites like JustPlainClear.com and MedicareMadeClear.com have more information about Medicare enrollment.

Some people choose a basic Medicare supplement, while others go for a Medicare Advantage plan. More than a third of Oklahoma Medicare enrollees have Advantage plans.

Dr. Rhonda Randall, chief medical officer and executive vice president of UnitedHealthcare Employer and Individual, explained Advantage plans are more expensive but include more services.

"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."

Original Medicare also does not cover prescription drugs, so what is known as a Part D plan is needed for medications. Starting in 2025, plans will include a $2,000 cap on what you pay out-of-pocket for covered prescription drugs.

Donovan noted there are many factors to consider, especially when you are looking to save as much money as possible.

"Making sure that you are in the position where you cannot only get the coverage you need but that you can afford that coverage," Donovan emphasized. "That means looking not just at your premium but also whatever your deductible might be, which is the amount you have to spend for that coverage to kick in. If you can't afford your deductible, you can't afford your plan."

For other health insurance plans, people with employer-sponsored coverage typically select a plan between September and December. Open enrollment for plans on the Health Insurance Marketplace runs from Nov. 1 to Jan. 15 in most states.

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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