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If your parent or loved one is considering a Medicare Advantage plan, you may find yourself scrambling to understand how to enroll in a Medicare plan. At CarePlus, we can make the process of helping someone enroll in a Medicare Advantage plan easier for you. If you would like to complete an application on behalf of someone else, CarePlus will be required to verify that you are certified under state law with a “Durable Power of Attorney for Healthcare” or “Healthcare Power of Attorney” or other legal authority to act on another’s behalf.
Your goal is to help evaluate plan options, decide on coverage needs, choose the right plan for the beneficiary, and aid your parent or loved one in the enrollment process. Allow adequate time to make the right coverage decision. Be patient and flexible as you find your way through the process.
When you help someone enroll in a plan, keep in mind that, in most cases, coverage for Medicare Advantage plans starts on the first day of the month after CarePlus receives the completed Enrollment Form, unless you are enrolling during the Medicare Advantage and Prescription Drug Plan Annual Enrollment Period, in which case coverage will be effective January 1.
Those who are new to Medicare and/or are turning 65 have a lot of decisions to make about healthcare benefits. On this website, you can find information on CarePlus’ Medicare Advantage plan options, when to enroll, Medicare basics, and more.
In order to really help someone enroll in a Medicare Advantage plan, bring together everyone who needs to be involved in the decision-making process. Explain the purpose of getting together. Share what you have learned. And most importantly, ask questions.
As you look at different plans, ask these questions:
If you are helping someone enroll who is on a budget or a fixed income, you may want to consider a Medicare Advantage plan. Medicare Advantage plans typically include drug coverage and fixed copayments which can help you estimate monthly costs. CarePlus offers Medicare Advantage plans.
Find out which drugs the person you are helping takes, including generic and brand names, the dosage, how often each one is taken, and where their prescriptions are filled. Make a list so you can identify any cost-saving opportunities as you determine which plan is right based on the person's financial needs.
Will the person you are helping to enroll in a Medicare Advantage plan agree to choose a Primary Care Physician (PCP) from a defined network of providers? A CarePlus Medicare Advantage plan could be a good fit.
Make sure the person you are helping doesn't already have prescription drug coverage as good as Medicare through an employer or other health insurance plan; otherwise the Medicare beneficiary may automatically lose that other coverage if the person enrolls in a Medicare Advantage Prescription Drug plan. Ask about any current monthly plan premium and if anyone, such as an employer or Medicaid, helps with paying part of the premium.