I have traditional Medicare A B do

[XanaDUer2]

I have to "enroll" every year? I became disabled and was enrolled automatically. Just confused tia

[BittyJenkins]

1. That is what we have

Just A & B. It will renew automatically unless you want to change it.

[XanaDUer2]

2. Thank you

Maybe they mean Medicare advantage

[dlk]

3. You'll need Part D coverage

Either through a standalone Part D plan or with an Advantage plan. Otherwise there is a lifetime penalty of 1%, per month of a national premium determined by CMS.

Medicare Parts A & B continue from year-to-year, with no action required on your part (other than paying your Part B premium, and Part A premium, if you have one.)

[XanaDUer2]

5. Whoops I have Part D

Do I reenroll in that? What a pain if do

[dlk]

8. If you're already enrolled in a Part D plan

It should roll over, with one caveat. There are a number of changes to Part D plans for 2025, due to the Inflation Reduction Act.

You’ll want to confirm your prescriptions are covered for next year and look at what the new copays and coinsurance will be.

The Medicare Annual Election Period is from October 15th to Decrmber 7th every year. It’s a good time to review your coverage and possibly change your plan.

[XanaDUer2]

10. I have traditional

But no gap. I just called my part d company. I'll keep traditional but cannot afford gap

[dlk]

11. You may want to take a look at an Advantage plan

Original Medicare will pay 80% for covered services. You’re responsible for the balance of the charges.

Advantage plans have medical maximum out-of-pocket caps and there are low and $0 premium plans available.

There are plans that include Part D coverage.

[XanaDUer2]

12. Thanks

[dlk]

15. Medicare is complicated

The Medicare Rights organization is a good resource.

Happy to help.

[dhol82]

16. Be careful with an Advantage Plan

While there are advantages for some people with an advantage plan, there are lot of disadvantages. You have to speak with someone knowledgeable about your situation.

[Skittles]

20. they are a fucking scam

the entire point of MA is to eventually get rid of Medicare

I cannot stand seeing people pimping for MA

[deRien]

4. No

Part A you paid while working. Part B you pay a month fee which automatically increases every year. It’s the additional coverage like an Advantage plan or you can choose an original plan. Those are the ones that you can change during open enrollment.

[XanaDUer2]

7. So I can relax?

This is stressful

[deRien]

17. This is the hardest part

of Medicare. You don't have to do anything with Part A & B. This covers 80% of your medical expenses.

If you want an Advantage Plan ~ all those that are advertised on TV ~ you will need to check to see what is available to you where you live. Many of them are O cost and have dental, vision and prescription coverage.

If you want to stay with original Medicare there are numerous plans but the cost is significantly higher than an Advantage plan. There is NO coverage for dental, vision or prescriptions. If you have prescriptions, you would need to also add a prescription plan.

You can call Medicare directly and someone can help you.

[Skittles]

18. tell the truth about "Advantage"

they literally make more profit the less healthcare they authorize

[deRien]

19. I agree

I have original Medicare and I always try to discourage Medicare Advantage plans but the 0 cost is too tempting for many people unfortunately...

[House of Roberts]

6. I have a Part D and Part G supplemental plan to my Parts A and B.

I go to those provider websites and check that the plans are still the same and so far, haven't had to make any changes so they just 'roll over' each year.

[dlk]

9. A Medicare supplement plan is a guaranteed renewable policy

It just rolls over from year-to-year.

[Indykatie]

13. You Don't Enroll Every Year But You May Have to Recertify Your Disability at Some Point

Remember too that Part B doesn't regular prescription drugs. You need to enroll in a Medicare Part D for regular prescription drug coverage. Your Part B will covers a few drugs as described below.

Covered drugs
Part B covers drugs administered by a provider or at a dialysis facility, as well as some outpatient prescription drugs, such as certain oral cancer drugs. Part B also covers drugs provided as part of a physician's service, or for use with covered durable medical equipment.

To get Medicare coverage for prescription drugs, you can:
Sign up for a Medicare Advantage plan that includes prescription drug coverage
Sign up for a Part D (prescription drug coverage) plan

I selected Anthem's Medicare Advantage rather than traditional Medicare and I'm very happy with the coverage. I know some people don't like Medicare Advantage plans but I do. I have lots of benefits that aren't provided by regular Medicare. The cost for MA plans is covered by your Medicare Part B premiums. Feel free to reach out to me if you have other questions. We can also talk if you prefer.
I was the Benefits Director at Cummins for 23 years and a VP at an HMO during my career.
I updated my response to add that I'm not a fan of Medicare supplemental plans.
Katie

[XanaDUer2]

14. Ty