Did you get a letter about changes to your Medicare plan? You may wonder what it means. Can you keep your doctor? Will your medicine still be covered? Do you need a new plan?
You don’t have to find the answers alone.
Community Health & Wellness Partners (CHWP) offers free help with Medicare plan choices. Bring your letter and your questions. Our team will help you take the next step.
Q: I heard some UnitedHealthcare and Humana Medicare Advantage plans are ending. Should I be worried?
It’s understandable to have questions. Some plans are being discontinued or changing in certain areas, but that does not mean everyone with UnitedHealthcare or Humana is losing their plan.
Before assuming your coverage is affected, review the information sent by your insurance company. Your letter can help explain what is happening with your specific plan. If you’re unsure what it means, CHWP can help you work through it.
Q: I received a letter, but I don’t understand it. What should I do?
Keep it and schedule an appointment with CHWP’s enrollment team. You don’t need to understand every insurance term or know which questions to ask before reaching out.
Bring the letter, even if you aren’t sure whether it is important. Together, we can review the information, discuss your coverage options, and help you understand what to do next.
Q: How can CHWP help?
Our Certified Application Counselors are trained to help people understand and apply for health insurance through the Marketplace. The conversation starts with you, your questions, your healthcare needs, and what matters to you. We want you to have the information you need to make an informed decision.
Our enrollment team can help you review Medicare Advantage plans and plans that cover medicine. We do not favor one insurance company over another; we help you compare your choices so you can decide what fits your needs and budget.
Bring us the letter. Bring your questions. We’ll help you take the next step.
Q: I’m concerned about keeping my doctor and getting my medications. Can we talk about that?
Absolutely. Those are important questions to bring to your appointment.
When reviewing your options, consider whether your providers are in the plan’s network, whether your prescriptions are covered, and which pharmacies you can use. It’s also important to look at costs beyond the monthly premium, such as deductibles and copays.
Bring a list of your providers and medications so those needs can be part of the conversation.
Q: What should I bring besides the letter?
A few items can help you prepare:
• Your Medicare card and current insurance cards.
• Any notices about your coverage or plan changes.
• A list of your medications, including dosages.
• The names of your doctors, specialists, and preferred pharmacy.
• Any questions or concerns you want to discuss.
If you aren’t sure what to bring, ask when scheduling. We can help you get ready.
Q: When should I schedule an appointment?
Reach out as soon as you receive a notice or have questions. Giving yourself time can make the process feel less overwhelming.
Medicare Open Enrollment runs from Oct. 15 through Dec. 7, with changes taking effect January 1. If your plan is ending, you may qualify for an additional enrollment opportunity. The timing depends on your situation, so have your notice reviewed to understand which deadlines apply to you.
Q: What if I haven’t received a letter but still want help reviewing my options?
You can still reach out. You don’t need a notice saying your plan is ending to ask questions or compare coverage. Open Enrollment is an opportunity to take a closer look at your options for the coming year.
Q: Does the assistance cost anything?
CHWP’s enrollment assistance is free.
To schedule an appointment, call 937-599-1411, ext. 278, or email [email protected].
Bring us the letter. Bring your questions. We’ll help you take the next step.
