Understanding Social Security Spouse’s Benefits

Medicare Open Enrollment Period (OEP) runs from October 15 – December 7. Check your plans! Make sure it’s still the best for you. Benefits in Action can help. 720-221-8354.

There can be a lot that goes into choosing between a Medicare stand-alone prescription drug plan (Part D), or a Medicare Advantage Plan (Part C). Benefits in Action is here to help you understand your options and assist you in making an informed decision regarding your health care needs.

Benefits in Action is a non-profit organization whose mission is to provide understanding, access, and utilization of health-related benefits to enhance your health and wellbeing.  Benefits in Action is certified by the State of Colorado to provide counseling and application assistance with Medicare, Medicaid, and Connect for Health (the state insurance exchange).  Additionally, we assist individuals in understanding their benefits and in accessing other public and private benefits necessary for good health.  One such benefit in Supplemental Nutrition Assistance (SNAP).   

Let’s begin by comparing the two plan options:

Medicare Prescription Drug Coverage (Part D):
• Purchased through private insurance companies
• Only provides prescription drug benefits
• Premiums range from $16 – $193
• In addition to original Medicare Part A and Part B
• Good anywhere in the country
• Can add on Medigap supplement insurance

Medicare Advantage Plan (Part C):
• Purchased through private insurance companies
• Provides hospital and medical coverage
• Can include prescription drug coverage
• Dental, vision, hearing
• Premiums range from $0 – $193
• Health Management Organization or Preferred Provider Organization
• Service area based on zip code
• Cannot use everywhere in the country
• Cannot add on Medigap supplement insurance

You might base your decision on financial costs. Or, you might base if on the ability to travel to other states or countries. Whatever your reason, Benefits in Action recommends working with one of our unbiased State Health Insurance Program counselors to conduct a personalized search based on your medication list, your finances and your health care needs.

We also want to remind you that starting October 15, 2019, the Medicare Plan Finder on www.medicare.gov will require a MyMedicare account username and password to perform a personalized plan search.

The State Health Insurance Program counselors at Benefits in Action are here to provide unbiased, individual, and free Medicare counseling to you and your loved ones. Our counselors will help you sign up for a MyMedicare account, compare plans, benefits, and costs so you can make the best-informed decision regarding your health and financial needs.

Call to make your appointment today.  720-221-8354 or email info@benefitsinaction.org

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