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SENIORS TO LOSE MEDICARE CHOICES IN 10 DAYS

Published Mar 21, 2024 at 11:50 AM EDT Updated Mar 23, 2024 at 10:37 AM EDT

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00:33
Biden Vows To Protect Medicare And Social Security
By Suzanne Blake
Reporter, Consumer & Social Trends
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There's a looming deadline for seniors who wish to change their Medicare
Advantage plans.

Everyone looking to switch plans must update their coverage by March 31 or wait
until the fall.



More than half of seniors are on Medicare Advantage plans, which differ from
traditional Medicare because they are private and bundled. While there may be
pros to some Medicare Advantage plans, they typically have smaller provider
networks and require beneficiaries to stick with in-network doctors.

"Some seniors quickly find Medicare Advantage has its disadvantages, too,"
Marvin Musick, the co-founder and chief educator of MedicareSchool.com, told
Newsweek. "If you are one of them, this is the time to reevaluate your options.
Unfortunately, too few Americans know about this window of time when they are
allowed to make changes to their Medicare Advantage plans."


President Joe Biden at an event promoting lower healthcare costs in Washington,
D.C., on August 29, 2023. Medicare beneficiaries have until March 31 to update
their Advantage plans. President Joe Biden at an event promoting lower
healthcare costs in Washington, D.C., on August 29, 2023. Medicare beneficiaries
have until March 31 to update their Advantage plans. Win McNamee/Getty Images

Christopher Westfall, the founder of the Senior Savings Network, told Newsweek
that because of the network challenges, he's seen thousands of clients attempt
to return to traditional Medicare after using Medicare Advantage.


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"In the vast majority of cases, this has been possible," Westfall said. "The
underwriting is what makes it tricky. Many do not realize that after their
initial election period, when first eligible for Medicare, they will have to go
through underwriting questions in order to qualify for a Medigap plan."

To fully meet the deadline, applicants must interview with Medigap underwriters,
who will render a final decision on the coverage, Westfall said. All of this
must take place before March 31.


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He continued: "It is emotionally difficult for our agents to be talking to
seniors across the country who call in wanting to get off of their Advantage
plan, and then go through the underwriting explanation only to find out that
they have had a significant problem with their Advantage plan that was the
result of a medical condition that also now prevents them from qualifying for a
Medicare Supplement.

"We then have no choice but to direct them to the best-suited Advantage plan in
their area. It is devastating news to have to deliver, yet we do it every day."


Read more
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 * Social Security identity thief faces years in prison
 * Medicare slaps senior with "lifetime penalty"
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Overall, most seniors are happy with their coverage, according to a Retirement
Living survey of 351 Advantage members in 2023. But some still reported issues
involving out-of-pocket costs, telehealth and online access to care. These
struggles can cause many to make slight changes to their Advantage plans.

According to Chris Fong, the CEO of Smile Insurance Group, for most seniors, it
comes down to their doctors no longer accepting their plan or medications
becoming too costly or unavailable.

"Some people will change their plan because they had a bad experience with the
plan, but this is less common," Fong told Newsweek.



Medicare Advantage beneficiaries can change their enrollment only during the
spring and fall windows. So these are also the only times they can switch back
to traditional Medicare.

This year, those who aren't already on an Advantage plan will need to wait for
the fall open enrollment period, which runs from October 15 to December 7. The
spring enrollment started in January and ends this month, so seniors looking to
update their healthcare coverage should take action now.

Some plans come with zero premiums, while others carry higher costs if
beneficiaries want to be in a specific doctor's network. The plans that boast
the lowest out-of-pocket costs still come with risks, especially if
beneficiaries are looking for specific providers, procedures or medications.

"There has been much scrutiny of Medicare Advantage due to restrictive networks
and prior authorization practices that can delay or deny care," Musick said. "At
the same time, these are often more affordable plans and can be a good option
for some people."




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Newsweek is committed to challenging conventional wisdom and finding connections
in the search for common ground.

Newsweek is committed to challenging conventional wisdom and finding connections
in the search for common ground.


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ABOUT THE WRITER

Suzanne Blake
FOLLOW


Suzanne Blake is a Newsweek reporter based in New York. Her focus is reporting
on consumer and social trends, spanning from retail to restaurants and beyond.
She is a graduate of UNC Chapel Hill and joined Newsweek in 2023. You can get in
touch with Suzanne by emailing s.blake@newsweek.com.

Languages: English

Suzanne Blake is a Newsweek reporter based in New York. Her focus is reporting
on consumer and social trends, spanning ... Read more

To read how Newsweek uses AI as a newsroom tool, Click here.







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