Open Enrollment Fall 2020
Medicare’s annual election period (AEP), also called open enrollment, is October 15 to December 7. During this period, Medicare beneficiaries can change their Medicare health plans and prescription drug coverage for the following year.
“Remember, when you select a doctor and medical group, you are also choosing the hospital where you will be treated, should you need hospitalization,” said Roberto Madrid MD, vice president of medical group operations at PIH Health Physicians. “We encourage you to choose a Medicare Advantage plan that gives you access to the PIH Health network, where you can receive top-rated senior services.”
Six Questions to Ask Before Choosing a Medicare Plan
- What type of plan is it (HMO or PPO)?
- How much will I have to pay for medical care, including copays, co-insurance and deductibles?
- Will I be able to see my current doctors?
- Which hospital will I go to if I need inpatient care?
- Will it cover all my prescriptions?
- What other benefits are included (e.g., dental, vision, gym)?
“Not all healthcare plans and providers are alike, which is why we encourage the community to choose a health plan aligned with PIH Health,” said Brian Smolskis, PIH Health Physicians president. “We offer three full-service hospitals, emergency care, urgent care, home healthcare services and hospice care, lab services, and board-certified physicians in nearly every medical specialty. Our network consists of more than 27 convenient locations with the most advanced medical equipment.”
In healthcare, “commercial” refers to employer-sponsored insurance plans. In other words, if you have a job and receive your health insurance through your employer, you have commercial health insurance. Unlike state or federally sponsored plans such as Medi-Cal or Medicare, commercial plans do not have a set open enrollment time. Each company will set their own timeframe for when employees can make changes to their health insurance plans.
Pay attention to your company’s open enrollment period. This is the time to review your healthcare needs and make changes, if needed. No matter which health plan you choose, make sure you have continued access to PIH Health Physicians and hospitals to ensure that you get high quality, compassion care.
To learn if your insurance plan contracts with PIH Health, call 888.365.4450 during regular business hours.