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JD, Usha Vance visit Greenland as Trump administration eyes territory; Maine nurses, medical workers call for improved staffing ratios; Court orders WA to rewrite CAFO dairy operation permit regulations; MS aims to expand Fresh Start Act to cut recidivism.

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The Dept. of Health and Human Services prepares to cut 10,000 more jobs. Election officials are unsure if a Trump executive order will be enacted, and Republicans in Congress say they aim to cut NPR and PBS funding.

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Rural folks face significant clean air and water risks due to EPA cutbacks, a group of policymakers is working to expand rural health care via mobile clinics, and a new study maps Montana's news landscape.

Medicare open enrollment in MS requires some homework

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Thursday, October 24, 2024   

Medicare open enrollment is underway and older adults in Mississippi are being encouraged to weigh their coverage options.

More than 625,000 people in Mississippi get their health care through Medicare, and in addition to basic coverage, they choose a supplemental plan for expenses Medicare doesn't cover, as well as a "Part D" or drug plan for prescription costs.

Dr. Rhonda Randall, chief medical officer, UnitedHealthcare employer and individual, said it's important to make sure your providers and medications are still covered by your plan, as this can change from year to year, and added that there are differences between original Medicare and the supplemental plans known as Medicare Advantage.

"Original Medicare isn't going to cover a lot of those things related to dental and vision, or hearing. It's very much limited to more serious medical conditions, and the benefits around those are limited, whereas many Medicare Advantage plans are going to offer more comprehensive specialty benefits for dental, vision and hearing," she said.

For next year, the "Part D" drug plans will also have a $2,000 maximum out-of-pocket cost for prescriptions. The window to make changes to your Medicare and prescription coverage closes on Dec. 7. For individuals with employer-sponsored health plans, the enrollment period is typically two to three weeks, between September and December. And open enrollment for plans on the Health Insurance Marketplace runs from November 1 to January 15.

Randall stressed that choosing health insurance is a big decision that requires some homework, given the amount of information involved - and recommended not waiting until the last minute to consider the options. She said it is important to consider more than just monthly premium costs.

"You also want to look at deductibles. What is your out-of-pocket responsibility going to be? Certain services may have a copay or co-insurance associated with them," she explained. "Are you interested in the plan that makes it really easy to get virtual care, or go to your primary care doctor for a lower and sometimes even a zero-dollar copay?"

She said websites like 'JustPlainClear.com' explain the jargon and the differences between Medicare and Medicare Advantage plans. Another site, 'MedicareMadeClear.com,' can help people choose a plan to best meet their medical and budget needs.

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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