2019 Medicare Insurance Open Enrollment
The Medicare Annual Open Enrollment will run from October 15 2018
through December 7 2018. If you apply on time, the new Medicare
Advantage or Rx-PDP plans will start on January 1 2019. This is the time to review existing Medicare insurance
coverage and switch plans.
You are welcome to
ask for a quote,
apply on-line or
contact us for a free and confidential review of your current plan or to check for new
Medicare insurance coverage.
Tips on Health - Medicare insurance and medical cost saving
The Open Enrollment dates are limited. You must apply on time to secure the new
coverage on January 1 2018, or you may keep the current plan
What to review and what is included in a Qualified Medicare Insurance?
- By default the current Medicare plans will
automatically renewed for 2018. The renewed plans may have new premium and
new schedule of benefits, new deductible and other changes. This annual
open enrollment is your chance to review and change your Medicare
advantage and Rx-PDP plans, to better fit your needs
- Insurance companies change their Rx
formularies annually. You may find that a current prescribed medication will not be available
on the 2019 formulary, replaced with a generic drug or the doze which you need is not approved.
- Review your 2019 Medicare insurance's
deductible, copays, premium, out of pocket maximum, drug pricing and all the
expected expenses for the 2018 plan year. Check if your pharmacy will continue
to be preferred in-network for your RX plan, in
order to get the most economical price of your medications.
- During the Medicare general open enrollment
(October 15 2018 through December 7 2018) , you may switch Medicare Advantage
and RX-PDP plans, without going through underwriting. The new Medicare
insurance plans will start on January 1 2019.
- Medicare Supplement plans (Medi-Gap) like plans
F, G and others may be switched at any time. After 6 months from the initial
Medicare enrollment, which for most people is when they turn 65, switching
plans will go through underwriting.
Unlike the Medicare Advantage plans and the PDP plans, acceptance to a new
Medigap plan is not guaranteed. During initial eligibility to Medicare and
during special open enrollments, acceptance to Medicare Supplement plan is
- Medicare Special Open Enrollments may be granted outside of the regular Open Enrollment through life events such as:
lost of other group health insurance, relocating to another service area, diagnosed with
certain medical conditions, Medicare company terminated your plans and other
- Prescription plans (Rx , Part D - PDP) may be
included within the Medicare Advantage plans (MAPD), but not included with the
Medicare Supplement plans. Medicare Part D plan may be purchased as a stand
alone in addition to the Medicare Supplement plan and certain Medicare
Advantage (MA-PFFS) plans.
- In most cases Dental and Vision plans may be
purchased separately. Some Medicare Advantage plans include basic Dental
and Vision services, mainly provides annual checkups and cleaning.
What if I do not apply on time?
- If Medicare not purchased when first available,
or during special open enrollments, a delay in coverage,
medical underwriting and or higher premium may be required for coverage.
International travel insurance for seniors with Medicare
Dental and Vision Insurance for seniors
Service number: 301-816-9079
Serving areas: CA, DC, FL, MD, NJ, NY, PA, TX, VA, WA