Seniors and Medicare Confusion

As we baby boomer are rapidly approaching the time to enroll in Medicare programs, how we make sense of the myriad of plans, programs, and services that are offered may become a major undertaking.

For the basic information and plans, information is targeted especially for seniors at local Centers for Medicare and Medicaid Offices. However, if you have visited the website, or visited your local Social Services office, one might need additional assistance to migrate through this large, and often confusing program. Even online information may be difficult for those of us not ‘computer savvy’, especially if you are not familiar with modern web design and site mapping tools.

A simple “Honey Do” list is the simplest and most user-friendly way to approach Medicare Services and the hundreds of drug plans offered through the new “Part D” prescription drug plan program. Here is a basic list of how to get started:

1.) Find out if you already have an insurance plan offered from an employer or union plan. Veteran’s medical plans may work in conjunction with Medicare Services.

2.) Medicare offers several types of plans to meet your specific needs. Find out which one will work best for you. You may request a 2008 ‘Medicare and You’ information booklet via telephone by calling 1-800-633-4227, or by visiting the Medicare website at www.medicare.gov and following the links for obtaining information. Among the three types of plans are:

a.) A Medicare Health Plan

b) A Prescription Drug Plan

b.) Supplemental Coverage Plan

3.) Quizzes are offered as well to find out what kind of coverage will best suit your needs. These quizzes/worksheets are available online, through the booklet, or many times, located at your local social security office as well. Call to obtain information.

4.) Visit your doctor and obtain information about what types of services you may need for the following year as far as preventative services you will need, for example, lab work, screenings or shots.

5.) Monitor and write down on your calendar yearly enrollment dates so that you know when you may change programs as your needs change.

Sifting through the Medicare system is not easy, but help is available from doctor offices, Social Security personnel and of course family assistance. Councilors are also available on request. Be responsible and proactive in your choices to ensure that your health and mental well-being are adequately cared for without additional stress or anguish.