WEBVTT
1
00:00:01.000 --> 00:00:03.359
Let's talk with Audrey. Welcome back. Well, the deadline for
2
00:00:03.439 --> 00:00:07.280
Medicare Annual Enrollment Period, also known as AEP, is quickly
3
00:00:07.320 --> 00:00:11.279
approaching and for those who qualify the Medicare AEP is
4
00:00:11.599 --> 00:00:14.199
open now through December seventh, and this is going to
5
00:00:14.240 --> 00:00:18.160
be the last opportunity to secure comprehensive health coverage for
6
00:00:18.239 --> 00:00:21.879
twenty twenty five. And this includes Medicare Advantage plans, which
7
00:00:21.879 --> 00:00:26.000
are affordable and offer options beyond original Medicare. Joining me now,
8
00:00:26.160 --> 00:00:30.440
Gary called the chief Distribution Officer for Signa Healthcare's Medicare business,
9
00:00:30.719 --> 00:00:34.159
to tell us more about the different Medicare options. So, Gary,
10
00:00:34.640 --> 00:00:38.039
during your more than twenty years of experience serving the
11
00:00:38.039 --> 00:00:41.439
needs of beneficiaries across multiple markets, so I'm sure that
12
00:00:41.479 --> 00:00:42.799
you've seen a lot of changes.
13
00:00:43.719 --> 00:00:46.079
Yeah, And actually you bring up a good point, Audrey.
14
00:00:46.159 --> 00:00:48.479
There are a lot of changes in the Medicare program.
15
00:00:48.560 --> 00:00:52.520
And specifically where it's important today is with the Medicare
16
00:00:52.719 --> 00:00:56.240
Annual Enrollment Period. Folks have the opportunity to just kind
17
00:00:56.240 --> 00:00:58.479
of pause, take a look at what they're on today
18
00:00:58.719 --> 00:01:00.479
and see if there's been any change is in their
19
00:01:00.520 --> 00:01:03.600
current plan or if there's plans that are available in
20
00:01:03.600 --> 00:01:05.840
their community that may be a better suited option for
21
00:01:05.920 --> 00:01:08.920
them to the upcoming year, which would be a January first,
22
00:01:09.400 --> 00:01:12.640
twenty twenty five start date for their plan. And things
23
00:01:12.719 --> 00:01:14.560
I like to tell people in terms of tips, A
24
00:01:14.599 --> 00:01:18.239
few things. One is the doctors and facilities, So are
25
00:01:18.280 --> 00:01:21.239
my doctors, hospitals, things that I'm interested in in the
26
00:01:21.280 --> 00:01:24.879
network so that I can continue to see my favorite position. Second,
27
00:01:25.000 --> 00:01:28.200
looking at their prescription drugs, so the drugs that I'm taking,
28
00:01:28.200 --> 00:01:30.599
are they covered? And what is my share of cost?
29
00:01:31.200 --> 00:01:35.359
And for overall affordabilities, so the copaid the doctibles ensure
30
00:01:35.400 --> 00:01:37.920
that the plan actually puts their budget so that they
31
00:01:38.000 --> 00:01:39.560
choose the right plan for the upcoming year.
32
00:01:39.799 --> 00:01:42.760
And so Gary, where should people start when they're choosing
33
00:01:43.040 --> 00:01:46.280
a Medicare health plan? Do you start at the comparison
34
00:01:46.319 --> 00:01:49.200
point or do you start with your doctors? And where
35
00:01:49.239 --> 00:01:53.280
do you start specifically to get the best overview if
36
00:01:53.280 --> 00:01:53.879
you will.
37
00:01:53.879 --> 00:01:57.079
Well, they should really start with kind of what's working
38
00:01:57.239 --> 00:01:59.719
and maybe areas that would be interested in in terms
39
00:01:59.760 --> 00:02:03.719
of my coverage today, So looking at what they're currently
40
00:02:03.760 --> 00:02:05.799
on at the option, and you've brought up a few
41
00:02:05.879 --> 00:02:08.360
so looking at the network for the doctors, the hospital,
42
00:02:08.479 --> 00:02:11.800
the facilities, and sure their favorite position is on. I
43
00:02:12.039 --> 00:02:14.840
mentioned also about the medications to make sure those are
44
00:02:15.240 --> 00:02:17.680
covered and how much it would be as well, and
45
00:02:17.719 --> 00:02:20.039
think of it in terms of the different or kind
46
00:02:20.080 --> 00:02:22.879
of plan options that are available for Medicare beneficiaries. Also
47
00:02:23.000 --> 00:02:25.919
because there's an option and kind of that any health
48
00:02:26.080 --> 00:02:30.240
or budget needs. There's options of staying on traditional Medicare.
49
00:02:30.560 --> 00:02:33.639
There's the option of actually wrapping that traditional original Medicare
50
00:02:33.639 --> 00:02:36.479
with a Medicare supplement. You can actually get a standalone
51
00:02:36.520 --> 00:02:40.400
prescription drug plan. Or there's also which more than fifty
52
00:02:40.439 --> 00:02:44.639
percent of Medicare beneficiaries are elected for today, is a
53
00:02:44.639 --> 00:02:46.000
Medicare advantage plan.
54
00:02:46.319 --> 00:02:49.319
And Gary, what are the benefits of a Medicare advantage plan?
55
00:02:49.639 --> 00:02:53.319
You know, there's several benefits and there's reasons why the
56
00:02:53.360 --> 00:02:56.360
Medicare advantage plans have become so popular with over fifty
57
00:02:56.400 --> 00:02:59.800
percent of the beneficiaries electing them. First of all, they
58
00:03:00.000 --> 00:03:04.280
bring extra health and wellness benefits above and beyond traditional Medicare.
59
00:03:04.319 --> 00:03:06.080
So you should look at a Medicare and dantage plan
60
00:03:06.159 --> 00:03:09.840
as covering all of what no traditional Medicare offers and
61
00:03:10.039 --> 00:03:16.039
more things like fitness, vision, hearing, some even include dental coverage,
62
00:03:16.639 --> 00:03:21.280
coverage of things like prescription drug coverage, caregiver support, telehealth,
63
00:03:21.759 --> 00:03:25.280
social support, and transportation for example going to and from
64
00:03:25.360 --> 00:03:28.919
a provider office. It's great about the Medicare dantage plans too,
65
00:03:29.120 --> 00:03:31.800
there's so many that are really affordable. In fact, many
66
00:03:31.800 --> 00:03:35.280
of the plans are offered at no additional premium and
67
00:03:35.360 --> 00:03:38.439
some even offer a part B giveback as part of
68
00:03:38.479 --> 00:03:41.080
a savings and overall affordability.
69
00:03:40.680 --> 00:03:43.639
And what about costs too? You know, are there with
70
00:03:43.680 --> 00:03:47.879
a Medicare advantage plan, are there some additional costs that
71
00:03:48.000 --> 00:03:50.960
people might be concerned about that they could sort of
72
00:03:51.000 --> 00:03:52.560
rest easy knowing that it's covered.
73
00:03:53.120 --> 00:03:55.479
Well, you know, when you do your comparison shop and
74
00:03:55.479 --> 00:03:57.719
you look at what you're currently on today, in the
75
00:03:57.759 --> 00:04:01.439
coverage of the plans that you're considering, for example, their
76
00:04:01.479 --> 00:04:03.680
cost is really important. So I look at it from
77
00:04:03.680 --> 00:04:05.560
the perspective of you know, what are the co pays,
78
00:04:05.680 --> 00:04:07.800
Like what is it going to cost if I go
79
00:04:07.919 --> 00:04:11.039
to a doctor's visits or get the prescription drugs that
80
00:04:11.080 --> 00:04:14.520
I actually am on? And you know, from prescription drug perspective,
81
00:04:14.520 --> 00:04:16.839
there's ways to look at affordable options as well, So
82
00:04:17.240 --> 00:04:19.839
maybe even get the three months supply delivered to your home,
83
00:04:19.839 --> 00:04:21.959
which we can actually send directly to you from a
84
00:04:22.000 --> 00:04:24.879
signal plan as an example, versus going to a retail pharmacy,
85
00:04:24.879 --> 00:04:25.800
which is also an option.
86
00:04:26.000 --> 00:04:29.240
And Gary, let's talk about that deadline again. It's coming up.
87
00:04:29.279 --> 00:04:30.439
What happens if you miss it?
88
00:04:30.920 --> 00:04:33.519
Well, you know the deadline is coming up. It is
89
00:04:33.720 --> 00:04:38.600
the Medicare annual enrollment period currently through December seventh. It's
90
00:04:38.639 --> 00:04:41.360
an important time not to miss because that will actually
91
00:04:41.360 --> 00:04:44.000
lock in your coverage for that upcoming year for an
92
00:04:44.000 --> 00:04:48.000
effective date of January first, twenty twenty five. There's many
93
00:04:48.040 --> 00:04:49.959
folks that may be happy with the plan that they're
94
00:04:50.000 --> 00:04:52.399
on today, So let's just say that they don't want
95
00:04:52.439 --> 00:04:54.439
to make a change, and that plan is available for them,
96
00:04:54.439 --> 00:04:57.560
bring to the twenty twenty five plan year. Then don't
97
00:04:57.560 --> 00:05:00.160
make a change. You can stay on your plan and
98
00:05:00.199 --> 00:05:03.079
you don't have to worry about the December seventh time period.
99
00:05:03.120 --> 00:05:04.959
But for those that actually want to make a change
100
00:05:04.959 --> 00:05:07.439
for next year because there's been changes in their coverage
101
00:05:07.680 --> 00:05:09.879
or changes in their health, that actually are looking at
102
00:05:09.879 --> 00:05:11.879
a different plan option that's a better fit for this
103
00:05:11.959 --> 00:05:14.480
upcoming year, then they need to make that decision by
104
00:05:14.600 --> 00:05:17.720
December seventh to ensure that January first, twenty twenty five
105
00:05:17.759 --> 00:05:18.600
effective date.
106
00:05:18.560 --> 00:05:20.480
And Gary where can we go to learn more?
107
00:05:20.800 --> 00:05:23.720
There are several resources available, so don't feel like you're
108
00:05:23.720 --> 00:05:25.600
a load on this. I know many people are going
109
00:05:25.680 --> 00:05:27.839
to spend the holidays like talking to family and friends
110
00:05:27.879 --> 00:05:30.600
around what might be the right plan option. But there's
111
00:05:30.680 --> 00:05:35.319
also website and resources available too. So if you go
112
00:05:35.439 --> 00:05:40.519
to Medicare dot gov that's medicare dot gov. It's where
113
00:05:40.720 --> 00:05:43.560
Medicare are actually has butts, you know as the Medicare
114
00:05:43.600 --> 00:05:45.920
plan find your tool and it's a tool that actually
115
00:05:46.319 --> 00:05:49.240
compares different plan options that are available right your local
116
00:05:49.319 --> 00:05:51.480
markets and you can look at what options might be
117
00:05:51.480 --> 00:05:53.839
the right fit for you. But then some people prefer
118
00:05:53.920 --> 00:05:56.439
to actually pos to someone lives. So for example, Signia
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00:05:56.480 --> 00:06:00.319
Medicare offers resources. You can call us directly all us
120
00:06:00.360 --> 00:06:05.959
at eight seven seven, three four nine two eight ninety seven,
121
00:06:06.120 --> 00:06:08.839
and we have representatives that can actually talk through what's
122
00:06:08.879 --> 00:06:11.480
important to you and come up with a solution of
123
00:06:11.519 --> 00:06:14.000
whether it's the right design or product for you going
124
00:06:14.000 --> 00:06:17.240
into this next year. We also have information on the website,
125
00:06:17.319 --> 00:06:19.600
so to prefer to look at information online you can
126
00:06:19.639 --> 00:06:25.279
go to signa Medicare Information dot Com are totally numbers
127
00:06:25.319 --> 00:06:29.360
also on that website as well, and there's also opportunities
128
00:06:29.399 --> 00:06:32.040
where if you prefer to sit across the kitchen table
129
00:06:32.480 --> 00:06:35.839
have a discussion with an agent understanding the network of
130
00:06:35.920 --> 00:06:38.839
doctors that you're looking for, the coverage and the prescription
131
00:06:39.000 --> 00:06:41.759
drug other things like dental, we can set that up
132
00:06:41.759 --> 00:06:43.199
as well and have an agent come to your home
133
00:06:43.199 --> 00:06:43.600
as well.
134
00:06:43.720 --> 00:06:46.920
All right, guys, so you know, the upcoming holidays can
135
00:06:47.000 --> 00:06:50.959
be a really easy distraction, but you have until December seventh,
136
00:06:51.439 --> 00:06:54.120
so it's important to choose a plan before it's too
137
00:06:54.199 --> 00:06:56.879
late if you're looking for other options, and if you
138
00:06:56.959 --> 00:06:59.920
miss that December seventh deadline again, you might have to
139
00:07:00.040 --> 00:07:03.199
wait for next year's AEP to make changes. Thanks so
140
00:07:03.279 --> 00:07:05.279
much for joining me. Gary really appreciate it.
141
00:07:05.279 --> 00:07:08.040
Thank you, Audrey, I really appreciate it. Happy holidays and to.
142
00:07:08.000 --> 00:07:09.759
You as well. I'll be right back
1
00:00:01.000 --> 00:00:03.359
Let's talk with Audrey. Welcome back. Well, the deadline for
2
00:00:03.439 --> 00:00:07.280
Medicare Annual Enrollment Period, also known as AEP, is quickly
3
00:00:07.320 --> 00:00:11.279
approaching and for those who qualify the Medicare AEP is
4
00:00:11.599 --> 00:00:14.199
open now through December seventh, and this is going to
5
00:00:14.240 --> 00:00:18.160
be the last opportunity to secure comprehensive health coverage for
6
00:00:18.239 --> 00:00:21.879
twenty twenty five. And this includes Medicare Advantage plans, which
7
00:00:21.879 --> 00:00:26.000
are affordable and offer options beyond original Medicare. Joining me now,
8
00:00:26.160 --> 00:00:30.440
Gary called the chief Distribution Officer for Signa Healthcare's Medicare business,
9
00:00:30.719 --> 00:00:34.159
to tell us more about the different Medicare options. So, Gary,
10
00:00:34.640 --> 00:00:38.039
during your more than twenty years of experience serving the
11
00:00:38.039 --> 00:00:41.439
needs of beneficiaries across multiple markets, so I'm sure that
12
00:00:41.479 --> 00:00:42.799
you've seen a lot of changes.
13
00:00:43.719 --> 00:00:46.079
Yeah, And actually you bring up a good point, Audrey.
14
00:00:46.159 --> 00:00:48.479
There are a lot of changes in the Medicare program.
15
00:00:48.560 --> 00:00:52.520
And specifically where it's important today is with the Medicare
16
00:00:52.719 --> 00:00:56.240
Annual Enrollment Period. Folks have the opportunity to just kind
17
00:00:56.240 --> 00:00:58.479
of pause, take a look at what they're on today
18
00:00:58.719 --> 00:01:00.479
and see if there's been any change is in their
19
00:01:00.520 --> 00:01:03.600
current plan or if there's plans that are available in
20
00:01:03.600 --> 00:01:05.840
their community that may be a better suited option for
21
00:01:05.920 --> 00:01:08.920
them to the upcoming year, which would be a January first,
22
00:01:09.400 --> 00:01:12.640
twenty twenty five start date for their plan. And things
23
00:01:12.719 --> 00:01:14.560
I like to tell people in terms of tips, A
24
00:01:14.599 --> 00:01:18.239
few things. One is the doctors and facilities, So are
25
00:01:18.280 --> 00:01:21.239
my doctors, hospitals, things that I'm interested in in the
26
00:01:21.280 --> 00:01:24.879
network so that I can continue to see my favorite position. Second,
27
00:01:25.000 --> 00:01:28.200
looking at their prescription drugs, so the drugs that I'm taking,
28
00:01:28.200 --> 00:01:30.599
are they covered? And what is my share of cost?
29
00:01:31.200 --> 00:01:35.359
And for overall affordabilities, so the copaid the doctibles ensure
30
00:01:35.400 --> 00:01:37.920
that the plan actually puts their budget so that they
31
00:01:38.000 --> 00:01:39.560
choose the right plan for the upcoming year.
32
00:01:39.799 --> 00:01:42.760
And so Gary, where should people start when they're choosing
33
00:01:43.040 --> 00:01:46.280
a Medicare health plan? Do you start at the comparison
34
00:01:46.319 --> 00:01:49.200
point or do you start with your doctors? And where
35
00:01:49.239 --> 00:01:53.280
do you start specifically to get the best overview if
36
00:01:53.280 --> 00:01:53.879
you will.
37
00:01:53.879 --> 00:01:57.079
Well, they should really start with kind of what's working
38
00:01:57.239 --> 00:01:59.719
and maybe areas that would be interested in in terms
39
00:01:59.760 --> 00:02:03.719
of my coverage today, So looking at what they're currently
40
00:02:03.760 --> 00:02:05.799
on at the option, and you've brought up a few
41
00:02:05.879 --> 00:02:08.360
so looking at the network for the doctors, the hospital,
42
00:02:08.479 --> 00:02:11.800
the facilities, and sure their favorite position is on. I
43
00:02:12.039 --> 00:02:14.840
mentioned also about the medications to make sure those are
44
00:02:15.240 --> 00:02:17.680
covered and how much it would be as well, and
45
00:02:17.719 --> 00:02:20.039
think of it in terms of the different or kind
46
00:02:20.080 --> 00:02:22.879
of plan options that are available for Medicare beneficiaries. Also
47
00:02:23.000 --> 00:02:25.919
because there's an option and kind of that any health
48
00:02:26.080 --> 00:02:30.240
or budget needs. There's options of staying on traditional Medicare.
49
00:02:30.560 --> 00:02:33.639
There's the option of actually wrapping that traditional original Medicare
50
00:02:33.639 --> 00:02:36.479
with a Medicare supplement. You can actually get a standalone
51
00:02:36.520 --> 00:02:40.400
prescription drug plan. Or there's also which more than fifty
52
00:02:40.439 --> 00:02:44.639
percent of Medicare beneficiaries are elected for today, is a
53
00:02:44.639 --> 00:02:46.000
Medicare advantage plan.
54
00:02:46.319 --> 00:02:49.319
And Gary, what are the benefits of a Medicare advantage plan?
55
00:02:49.639 --> 00:02:53.319
You know, there's several benefits and there's reasons why the
56
00:02:53.360 --> 00:02:56.360
Medicare advantage plans have become so popular with over fifty
57
00:02:56.400 --> 00:02:59.800
percent of the beneficiaries electing them. First of all, they
58
00:03:00.000 --> 00:03:04.280
bring extra health and wellness benefits above and beyond traditional Medicare.
59
00:03:04.319 --> 00:03:06.080
So you should look at a Medicare and dantage plan
60
00:03:06.159 --> 00:03:09.840
as covering all of what no traditional Medicare offers and
61
00:03:10.039 --> 00:03:16.039
more things like fitness, vision, hearing, some even include dental coverage,
62
00:03:16.639 --> 00:03:21.280
coverage of things like prescription drug coverage, caregiver support, telehealth,
63
00:03:21.759 --> 00:03:25.280
social support, and transportation for example going to and from
64
00:03:25.360 --> 00:03:28.919
a provider office. It's great about the Medicare dantage plans too,
65
00:03:29.120 --> 00:03:31.800
there's so many that are really affordable. In fact, many
66
00:03:31.800 --> 00:03:35.280
of the plans are offered at no additional premium and
67
00:03:35.360 --> 00:03:38.439
some even offer a part B giveback as part of
68
00:03:38.479 --> 00:03:41.080
a savings and overall affordability.
69
00:03:40.680 --> 00:03:43.639
And what about costs too? You know, are there with
70
00:03:43.680 --> 00:03:47.879
a Medicare advantage plan, are there some additional costs that
71
00:03:48.000 --> 00:03:50.960
people might be concerned about that they could sort of
72
00:03:51.000 --> 00:03:52.560
rest easy knowing that it's covered.
73
00:03:53.120 --> 00:03:55.479
Well, you know, when you do your comparison shop and
74
00:03:55.479 --> 00:03:57.719
you look at what you're currently on today, in the
75
00:03:57.759 --> 00:04:01.439
coverage of the plans that you're considering, for example, their
76
00:04:01.479 --> 00:04:03.680
cost is really important. So I look at it from
77
00:04:03.680 --> 00:04:05.560
the perspective of you know, what are the co pays,
78
00:04:05.680 --> 00:04:07.800
Like what is it going to cost if I go
79
00:04:07.919 --> 00:04:11.039
to a doctor's visits or get the prescription drugs that
80
00:04:11.080 --> 00:04:14.520
I actually am on? And you know, from prescription drug perspective,
81
00:04:14.520 --> 00:04:16.839
there's ways to look at affordable options as well, So
82
00:04:17.240 --> 00:04:19.839
maybe even get the three months supply delivered to your home,
83
00:04:19.839 --> 00:04:21.959
which we can actually send directly to you from a
84
00:04:22.000 --> 00:04:24.879
signal plan as an example, versus going to a retail pharmacy,
85
00:04:24.879 --> 00:04:25.800
which is also an option.
86
00:04:26.000 --> 00:04:29.240
And Gary, let's talk about that deadline again. It's coming up.
87
00:04:29.279 --> 00:04:30.439
What happens if you miss it?
88
00:04:30.920 --> 00:04:33.519
Well, you know the deadline is coming up. It is
89
00:04:33.720 --> 00:04:38.600
the Medicare annual enrollment period currently through December seventh. It's
90
00:04:38.639 --> 00:04:41.360
an important time not to miss because that will actually
91
00:04:41.360 --> 00:04:44.000
lock in your coverage for that upcoming year for an
92
00:04:44.000 --> 00:04:48.000
effective date of January first, twenty twenty five. There's many
93
00:04:48.040 --> 00:04:49.959
folks that may be happy with the plan that they're
94
00:04:50.000 --> 00:04:52.399
on today, So let's just say that they don't want
95
00:04:52.439 --> 00:04:54.439
to make a change, and that plan is available for them,
96
00:04:54.439 --> 00:04:57.560
bring to the twenty twenty five plan year. Then don't
97
00:04:57.560 --> 00:05:00.160
make a change. You can stay on your plan and
98
00:05:00.199 --> 00:05:03.079
you don't have to worry about the December seventh time period.
99
00:05:03.120 --> 00:05:04.959
But for those that actually want to make a change
100
00:05:04.959 --> 00:05:07.439
for next year because there's been changes in their coverage
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00:05:07.680 --> 00:05:09.879
or changes in their health, that actually are looking at
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a different plan option that's a better fit for this
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upcoming year, then they need to make that decision by
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December seventh to ensure that January first, twenty twenty five
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effective date.
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And Gary where can we go to learn more?
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There are several resources available, so don't feel like you're
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a load on this. I know many people are going
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to spend the holidays like talking to family and friends
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around what might be the right plan option. But there's
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also website and resources available too. So if you go
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to Medicare dot gov that's medicare dot gov. It's where
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Medicare are actually has butts, you know as the Medicare
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plan find your tool and it's a tool that actually
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compares different plan options that are available right your local
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markets and you can look at what options might be
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the right fit for you. But then some people prefer
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to actually pos to someone lives. So for example, Signia
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Medicare offers resources. You can call us directly all us
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at eight seven seven, three four nine two eight ninety seven,
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and we have representatives that can actually talk through what's
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important to you and come up with a solution of
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whether it's the right design or product for you going
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into this next year. We also have information on the website,
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so to prefer to look at information online you can
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go to signa Medicare Information dot Com are totally numbers
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also on that website as well, and there's also opportunities
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where if you prefer to sit across the kitchen table
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have a discussion with an agent understanding the network of
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doctors that you're looking for, the coverage and the prescription
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drug other things like dental, we can set that up
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as well and have an agent come to your home
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as well.
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All right, guys, so you know, the upcoming holidays can
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be a really easy distraction, but you have until December seventh,
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so it's important to choose a plan before it's too
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late if you're looking for other options, and if you
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miss that December seventh deadline again, you might have to
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wait for next year's AEP to make changes. Thanks so
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much for joining me. Gary really appreciate it.
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Thank you, Audrey, I really appreciate it. Happy holidays and to.
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You as well. I'll be right back
