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Trump will name more conservative judges. He may even pick a majority of the Supreme Court; Both sides react as Missouri reverses near-total abortion ban Literacy initiative to implement 250 new early-education activations in PA.

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President Biden asks Americans to turn down the temperature, House Speaker Mike Johnson promises an aggressive first 100 day agenda and Democratic governors vow to push back on Trump's plan for mass deportations.

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Texas women travel some of the longest distances for abortion care, Californians the shortest, rural living comes with mixed blessings for veterans, an ancient technique could curtail climate-change wildfires, and escape divisive politics on World Kindness Day.

Medicare Advantage changes hit Alabama amid open enrollment; experts offer tips

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Thursday, October 24, 2024   

Medicare Advantage, a private version of Medicare plans offering additional benefits such as dental and vision coverage, is becoming more uncertain this year.

More than 1 million Americans, including many in Alabama, will have to shop for new plans as insurance companies scale back offerings in certain states. Some officials are citing financial pressures and federal regulations for these changes, leaving seniors to navigate shifting coverage options.

Dr. Rhonda Randall, chief medical officer, UnitedHealthcare employer and individual, suggests starting early and reviewing all options thoroughly, especially if you're affected by these changes.

"For example, is your doctor still in the plan? Is the medication you take still covered by the plan? And also understanding the differences between original Medicare and Medicare Advantage," she said.

Randall added that resources are available such as the UHC Medicare Made Clear guide and the justplainclear.com website that can help guide people through explanations and health insurance terms.

Randall also pointed out that some employers are offering new health plans, such as UnitedHealthcare's SUREST Plan, to help people avoid unexpected healthcare costs.

"That provides consumers upfront cost and coverage information so they can understand how much they're likely to owe for medical service before you even walk into the doctor's office. And the goal with that is really to encourage people to select higher-value places to get their care," she continued.

As you explore your plan, Randall suggested evaluating additional benefits such as mental health coverage, hearing and wellness plans, which can offer more value beyond traditional coverage.

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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