Quarterly Partner eNewsletter
Q3 2015
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FROM THE TOP
What You Don’t Know About Medicare Can Hurt Your Traveling Clients
Your client calls from Africa with a broken hip, miffed that you didn’t warn him that Medicare and Medigap wouldn’t cover his mounting hospital bills. Now he might need to dip into his nest egg for $100,000 for the medical evacuation to get home. Learn what you need to know about Medicare and foreign travel to mitigate the risk to your clients.
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Dates To Know
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Gear Up for Open Enrollment:
Oct. 15 – Dec. 7
What is it? When all people with Medicare can change their Medicare health plan and prescription drug coverage for the next year.
Why should you know about it? Premiums, plans and drug formularies can change each year, so it’s good practice to direct clients to review their Medigap, Medicare Advantage, and prescription drug coverage annually to make sure they aren’t overpaying. If they have further questions, suggest they call Medicare BackOffice or give them our “Guide to Medicare: Helping You Navigate the Medicare Maze.”
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You are currently in the "Lock-in Period":
Feb. 15 – Oct. 14
What is it? When most Medicare beneficiaries are unable to change their underlying Medicare coverage, unless they have a Special Election Period.
Why should you know about it? If clients ask about changing their Medicare plans now, it’s important to know that generally they will not be able to do so without underwriting. If they have further questions, suggest they call Medicare BackOffice or give them our “Guide to Medicare: Helping You Navigate the Medicare Maze.”
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www.MedicareBackOffice.com
1-877-385-8083
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