I’m Covered for 2013—What Now?Posted by Medicare Made Clear
Now that OEP is over, you might be wondering what’s next. Where can you find information about your 2013 coverage? Do you have all the plan materials you need? What happens if you haven’t received new membership cards or other important documents? Here’s a list of things to look for as you head into the 2013 Medicare plan year.
It’s in the Cards
Whether or not you changed your Medicare coverage during OEP, you’ll need to make sure you have current membership cards. Remember: you might need more than one card. For example, if you have Original Medicare and a standalone Part D prescription drug plan, you will usually have two cards, one for Medicare services and one for your prescription drug coverage. And even if you didn’t change your current Medicare coverage and it was automatically renewed, you might still get or need new cards for the new plan year. If you haven’t gotten your new cards yet, call your plan or Medicare (see “For More Information” below).
Stay “In the Know”
The plan materials you should have—or should expect to get—depends on the kind of Medicare coverage you have for 2013. Here are some of the most common types of plan information:
Original Medicare (Medicare Part A and Part B)
Medicare & You – this is a publication from the Centers for Medicare & Medicaid Services (CMS). It’s a complete description of your coverage and benefits. You might already have gotten the 2013 version in the mail this Fall. You can also download it at Medicare.gov (see “Resources” section below).
Medicare Summary Notice (MSN) – this is a statement of medical services you should get in the mail every three months if you have Original Medicare.
Medicare Advantage and/or Medicare Prescription Drug plan (Medicare Part C and/or Part D)
Annual Notice of Changes (ANOC) mailing – this document explains year-over-year plan changes. For example, changes for 2013 vs. 2012. If you were a plan member in 2012, you may have seen your plan’s ANOC in October, either online or in a mailing. If you switched plans during OEP, you might have received your new plan’s ANOC with other plan materials or in a new member welcome kit.
Evidence of Coverage – this is usually included in the ANOC and includes a full description of all benefits included in your plan for 2013.
Formulary – A formulary is a list of the drugs your plan will cover if you have a standalone Part D plan or a Medicare Advantage plan with prescription drug coverage. It also gives you information about costs, drug tiers and any special requirements certain drugs might have.
Medicare Supplement Insurance
Since Medicare Supplement Insurance plans vary by state, and each plan is different, you should contact your plan directly with questions.
For More Information
If you have questions about your 2013 plan, either now or in the future, there are a few helpful numbers you may want to keep at hand.
Your Plan(s) – You can usually find your plan’s Customer Service number on the back of your membership card(s). Use this number for specific questions about your plan.
Medicare: If you need to talk directly to CMS about general Medicare questions—or if you have Original Medicare—call The Medicare Helpline at 1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, seven days a week.
Social Security Administration (SSA) – Call 1-800-772-1213, TTY 1-800-325-0778, 7 a.m. to 7 p.m. local time, Monday through Friday if you have questions about eligibility, enrollment, help paying Medicare costs, or Social Security retirement and disability benefits.
If you prefer to get information online, you can visit and bookmark these organizations’ websites.
It’s important that you have a good understanding of your Medicare coverage and benefits for the 2013 plan year. Whether you prefer to read your plan information, talk to a live person on the phone or do your research online, there is a wealth of resources available to help you understand and get the most out of your coverage for 2013.
For more information, contact the Medicare helpline 24 hours a day, seven days a week at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048. If you have questions about Medicare Made Clear, call 1-877-619-5582, TTY 711, 8 a.m. – 8 p.m. local time, seven days a week.
Medicare Made Clear blog post: Not Sure What Kind of Medicare Coverage You Have? It’s in the Cards.
Medicare.gov publication: Medicare & You
Medicare Made Clear website: More Medicare Resources
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