Medicare

对您的Medicare D部分计划不满意？这是改变它的方法

如果您的Medicare D部分计划不适合您，那么只要您不会错过入学期，就很容易更改它。阅读有关如何在此处切换选择的更多信息。

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这re are only certain times each year when you can change from one Medicare Part D plan to another. iStock

If yourvwin德赢app下载isn’t working for you, you’re not stuck with it. Follow these tips to easily join a new plan.

Comparing Part D prescription drug plans and choosing the best option can feel overwhelming. No matter how diligently you researched your current plan, you may find that it is no longer meeting your needs.

好消息是您可以切换计划。坏消息是您只能在一年中的某些时间切换。这意味着您需要准备好。阅读以下内容，以获取一些可靠的建议和更改D部分计划的简单提示。

如何更改Medicare D部分计划

找到新的D零件计划不是您可以在最后一刻随机做的事情。您必须决定一个新计划，找出何时可以切换，并找出与谁联系。

When Can You Change Part D Plans?

You can change from one Part D plan to another during theMedicare公开入学期, which runs from October 15 to December 7 each year. During this period, you can change plans as many times as you want. Your final choice will take effect on January 1.

如果你有vwin德赢app下载Advantage plan that doesn’t include drug coverage and you also have a Part D plan, you can change it during the Medicare Advantage open enrollment period, which runs from January 1 to March 31 each year. If you choose this route, you must do one of the following:

  • 将您的Medicare Advantage计划更改为包括药物覆盖范围的计划（其中约有90％的人这样做）。
  • 从Medicare Advantage转换回原始Medicare，然后购买独立的D部分计划。

如果您参加了自己喜欢的Medicare Advantage计划，并且只想更改D部分计划，那么最好等到秋季的一般入学期。

Medicare-CTA-3-研究计划

您是否有资格参加D Part特别入学期？

除了两个主要的入学期外，某些情况还可以使您获得特殊的入学期（SEP），即使您可以更改D部分计划。这些情况包括：

  • 如果您搬到当前D计划的区域如果您在移动之前通知当前的计划，则SEP将在移动前的一个月开始，并在移动后两个月结束。如果您在移动后通知计划，则您的SEP开始了一个月，您将通知您的计划，并在通知后两个月结束。
  • 如果您搬到了当前计划的新区域，但现在有其他您以前没有的D部分选项如果您移至当前计划的区域，则您的9月期限将保持不变。
  • If You Currently Live in a Skilled Nursing or Long-Term Care Facility, or You Move Into or Out of One您的特殊入学期只要您居住在设施中，并且在您搬出后整整两个月。
  • 如果您的计划改变了与Medicare的合同Medicare will determine your special enrollment period on a case-by-case basis.

还有其他几种情况可以使您有资格在特殊的入学期内。这full list is on Medicare.gov.

这Five Star Special Enrollment Period

Medicare部分d计划以及Medicare Advantage计划和Medicare成本计划，被评为1至5星的比例基于质量和性能。五星级评分最高。如果您想切换到五星级计划，可以在第二年的12月8日至11月30日之间一次这样做。

What New Part D Plan Should You Choose?

In 2021, Medicare Part D plans are covered by every state, but the availability of plans varies by state. Narrowing so many choices down to your top contenders can be time-consuming. Medicare’s online计划查找器工具使计划比较变得更加容易。当您搜索新计划时，请考虑以下因素：

  • What drugs are you currently taking?看每个计划的配方(a list of covered drugs and their prices) to estimate costs.
  • If you prefer generic drugs,找到一个计划a tiered pricing system这为通用品牌提供了低价。
  • 如果您目前没有服用很多药物, a plan with a low monthly premium could be right for you. This way you’ll still have the peace of mind that your medications will be covered if you need them in the future.
  • If you want to keep your drug costs steadythroughout the year for budgeting reasons, opt for a plan with a low — or no — deductible.

Changing Part D Plans: The Final Steps

在找到新的D Part计划并通过注册期间确定了安排后，其余过程非常简单。您可以通过Medicare的在线计划查找器工具或直接联系计划来注册您的新计划。您需要以下信息：

  • 您的医疗保险号码
  • 这policy and group numbers of your current plan
  • 这dates you want changes to take effect (if you’re in a special enrollment period)

More good news: You don’t have to cancel your old Part D plan. The new plan will give your information to Medicare, then Medicare will inform your soon-to-be-canceled plan. That coverage will automatically end when your new coverage begins.