United Healthcare, through their Medicare Made Clear website, is partnering with Your Turn To Care to provide tips and resources on securing the best Medicare plan for you or the person you care for.
Helping the person you care for select a Medicare plan can be challenging. There is so much information to understand, it can be a very daunting task, especially with a looming deadline during the open enrollment or initial enrollment periods. A great way to begin is by asking a few simple questions and pulling together key documents. Ask and make a list of what's important to your loved one to use as a reference as you research available Medicare plans. Some key preparation and organizing can help make the task easier and help ensure the selection of a Medicare plan that meets the needs, budget and deadlines of the person you care for.
Gather materials you will need to compare plans
- Medicare identification number
- Social Security number
- Doctors, local clinics, and hospitals contact information
- Prescription drug information
- Start a Medicaid folder
- Learn Medicare basics
- Prescription drug coverage available
- When can changes be made to a plan
- What services are provided for in supplemental insurance (medications, hearing aids, glasses, etc?
- What is a Medicare Advantage plan? How is it different from supplimental insurance?
- What insurance coverage is available when traveling?
- Compare various plans' co-pay for services and prescription drugs coverage
- What are additional out of pocket expenses
- monthly premiums
- annual deductions
Availability of services
- Identify medical providers in the plan that practice locally
Medicare is difficult system to understand for everyone but especially for the thousands of caregivers suddenly thrust into their caregiver role. UnitedHealthcare's Medicare Made Clear offers "Help Your Loved One Choose a Medicare Plan." This is an easy to follow video that provides a step-by-step guide on selecting a Medicare plan.
Caregivers should do a needs assessment annually to identify new services their loved one may require. If a change is necessary, plans can be switched at least once a year. The goal is for both the benefit recipient and the caregiver to have peace of mind with the plan selected.