Looking For Medicare? Keep This In Mind!
Getting the right Medicare plan for your needs can go a long way in reducing your out-of-pocket medical costs and ensuring optimum coverage. At the same time, it can be a complicated decision with a diverse range of options available. Whether you are signing up for the first time or looking to switch your plan during open enrollment, here are few important tips to keep in mind to find the best plan for you.
Mind The Calendar
Enrolling on time is crucial to avoid hassles and to get the most out of Medicare. Remember that your Initial Enrollment Period (IEP) spans from three months before you turn 65 to three months after, and is the ideal time to enroll in a plan of your choice.
Select Your Doctors Carefully
No matter if you are new to Medicare or evaluating your options, selecting the right doctors for your requirements and your budget helps Medicare work best. To ensure this, three important things to keep in mind are:
- That your healthcare provider accepts Medicare. This can be in the form of Participating, or Non-Participating. And they can even choose to opt-out.
- That you feel comfortable and connected with your healthcare provider.
- That they specialize in the field relevant to your requirements.
Avoid Surprise Bills
Before opting for a treatment or procedure, check in advance if it is covered by Medicare and check your healthcare provider’s Medicare status. In case of surprise bills, don’t pay right away and first check with your provider if they have billed your insurance provider correctly. In the case of a rejected claim, file an appeal, and if all else fails, be open to negotiating with your healthcare provider for a reduced amount.
Know Your Rights
It’s important that you know your rights. Especially your right to appeal in case Medicare denies a claim. This can be for any instance where you have been denied service, a piece of equipment, or a prescription drug. To ensure smooth processing, remember to maintain copies of all relevant medical records as well as a medical diary, detailing all your doctor visits and medical history.
Make The Most Of Available Benefits
Medicare pays for a range of services that you may not be aware of. Make sure to make the most of these benefits. Especially your free annual wellness visit, nutritional counseling, telehealth services, etc.