Should I Have My Medicare Benefits Changed?

Medicare benefits do not stay static. The federal government will change services offered periodically and the governing board can switch the benefits offered around. 2010 saw some of the services previously offered under Medicare Supplemental plans change to being offered under the normal Medicare benefits. The change occurred automatically. Recipients did not have to change any of their current plans to get them. If however, a person only has Medicare Part A, he should consider if this plan really suits his needs or if he should add more.

Deciding If You Need Medicare Part B Benefits

Part B Medicare benefits cover outpatient services. Doctor visits, tests, and a few other items not covered under the hospitalization portion of the program. A person who does not have Medicare Part D should add it to his insurance coverage at the earliest available opportunity. President Bush extended the basic coverage of Medicare into coverage of Prescription drugs. Part D started in 2005, although many people found themselves in the donut hole in 2011. Someone who does not have prescription drug coverage should add Part D to the Medicare benefits they receive. The premiums for each Medicare part get deducted from a person’s social security check.

When Can I Change My Medicare Benefits?

The Federal government limits the time a person can choose their benefits. The open enrollment period allows people to make changes to their coverage. The period starts in November and ends early in January of the next year. A Medicare recipient should review his coverage during this time and make any needed changes. If he does not want to make any changes to the health care benefits he receives, he does not need to do anything at all. The coverage he currently has will continue if Medicare does not receive any paperwork during the open enrollment period.

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