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Preparing for AEP: Identifying Gaps in Your Medicare Coverage

Posted by Melissa Hanes
Estimated Reading Time 1 minute 12 seconds

Preparing for AEP: Identifying Gaps in Your Medicare Coverage

As the Annual Enrollment Period (AEP) approaches, it is essential for Medicare beneficiaries to take a closer look at their existing coverage. Medicare provides crucial healthcare benefits to you, but it may not cover all of your specific healthcare needs. As AEP approaches, look for gaps in your coverage so that you can potentially identify a plan that better suits you.

Check for gaps in your prescription drug coverage. Original Medicare does not include prescription drug coverage, leaving beneficiaries vulnerable to high medication costs. To address this gap, many individuals opt for Medicare Part D, which offers stand-alone prescription drug plans. Many Medicare Advantage plans roll Part D into their coverage as well. Be sure to check each plan’s formulary, or list of covered drugs, to determine if your regular prescriptions will be covered.

Consider the cost of long-term care. Original Medicare does not cover long-term care services, such as nursing home care or assistance with daily activities. To fill this gap, some individuals may consider long-term care insurance.

Evaluate your current state of health and diagnoses. In addition to Original Medicare and Medicare Advantage plans, Special Needs Plans are also available to those with certain diagnosed health conditions. These plans focus on the needs of those individuals, in order to help them better coordinate their care.

Medicare Advantage plans and Medigap policies are designed to supplement original Medicare. Medicare Advantage plans, offered by private insurance companies, often bundle hospital, medical, and prescription drug coverage.

On the other hand, Medigap policies work alongside original Medicare to help cover out-of-pocket costs such as copayments, coinsurance, and deductibles. These policies can provide peace of mind by reducing the financial burden associated with medical services.

Contact our office for additional information.

Melissa Hanes //

I was born in Oklahoma and raised in Neosho, MO. My husband (Derek) and I have 6 children and 6 sweet grandchildren who we adore. It wasn’t until 2009 when I moved back to Oklahoma that I started my insurance career and developed a passion for educating seniors on their rights and options regarding Medicare. Over the last decade I’ve been helping this under served population by empowering them to make the best insurance decisions for their individual healthcare needs.

In 2019 I resigned my position as Sales Manager for one of the nation’s largest Medicare insurance carriers to join the amazing team at OKMedicareHelp. I provided support, training and mentorship to hundreds of independent insurance agents around the state of Oklahoma and gave them the tools they needed to make the right impact for Medicare beneficiaries. The experience I gained in my previous role gave me a unique look at how to help navigate the complexities of Medicare for both Medicare beneficiaries and agents alike.

I pride myself on operating with the highest integrity and having a heart to serve our local senior community. I would be honored to help you navigate the complexities of Medicare and be of service for all your insurance needs.

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