What's New for Medicare in 2021
State Health Insurance Assistance Programs • January 20, 2021
Medicare Advantage Plan costs
If you have a Medicare Advantage Plan, your plan administers your Part B coverage. Remember that most people with Medicare, whether they have Original Medicare or a Medicare Advantage Plan, pay the Part B monthly premium. Some people with a Medicare Advantage Plan may also pay an additional monthly premium for being enrolled in that plan.
If you have the same Medicare Advantage Plan in 2021 as you did in 2020, your plan should have sent you an Annual Notice of Change (ANOC) or Evidence of Coverage (EOC) notice explaining any changes for the coming year.
Review this notice to understand your plan’s costs, covered services, and rules. Contact your plan if you did not receive these documents in the fall or want another copy. If you chose a new Medicare Advantage Plan, you should get an EOC for the new plan. Review that document to understand the costs associated with the plan for 2021.
When can I change my Medicare coverage in 2021?
During the Medicare Advantage Open Enrollment Period (MA OEP), you can switch from your Medicare Advantage Plan to another Medicare Advantage Plan or to Original Medicare with or without a stand-alone prescription drug plan. The MA OEP occurs from January 1 through March 31. Changes made during this period are effective the first of the following month.
If you have Extra Help in 2021, you have a Special Enrollment Period (SEP) to enroll in a Part D plan or switch between plans.
This SEP is available once per calendar quarter for the first three quarters of the year (January-March, April-June, and July-September). If you use the Extra Help SEP to change your coverage, the change will become effective the following month.
If you qualify for another Special Enrollment Period, you may be able to make changes to your Medicare health/drug coverage. For example, you may have an SEP if you move outside of your plan’s service area or If you think a government employee made a mistake while assisting you. Call 1-800-MEDICARE to use an SEP, and contact your State Health Insurance Assistance Program (SHIP) by calling 877-839-2675 for more information.
Who can I contact if I have Medicare-related questions?
State Health Insurance Assistance Program (SHIP):
Contact your SHIP if you have questions about changes in costs and coverage of your Medicare in 2021. SHIP counselors provide unbiased Medicare counseling and assistance. Contact Juanita Beason with the East Texas Area Agency on Aging at juanita.beason@etcog.org or 1-800-442-8845.
Senior Medicare Patrol (SMP):
Contact your SMP (1-888-341-6187) if you believe you have enrolled in a plan based on misleading information or were enrolled in a plan without your knowledge. SMPs empower and assist Medicare beneficiaries, their families, and caregivers to prevent, detect, and report health care fraud, errors, and abuse.
1-800-MEDICARE (800-633-4227):
Call 1-800-MEDICARE to use an SEP, to request another copy of the Medicare & You handbook, or for more information about your 2021 coverage.
Medicare Advantage Plan or Part D plan:
If you have a Medicare Advantage Plan or Part D plan, contact your plan to ask about changes in your costs or coverage for 2021. You may also contact your Medicare Advantage Plan if you are using the MA OEP to switch plans.
The East Texas Council of Governments (ETCOG) is pleased to announce the appointment of Adrian Cornejo as the new Director of the Area Agency on Aging of East Texas (AAA). In this role, Cornejo will lead efforts to develop and coordinate services that support the health, independence, and quality of life of older adults across ETCOG’s fourteen-county region. Cornejo brings a strong background in healthcare leadership and military service. He most recently worked as an Account Manager for Humana’s Institutional Special Needs Plan program, where he partnered with skilled nursing facilities to improve care coordination, leading to a 20% reduction in hospital readmissions. Earlier in his career, Cornejo served in the United States Navy for nearly two decades, rising to the rank of Senior Chief Petty Officer and managing budgets exceeding $550 million while leading more than 350 Sailors and Marines. “Adrian’s leadership experience in both healthcare and the military has equipped him with the skills and dedication needed to serve East Texas seniors,” said ETCOG Executive Director David Cleveland. “His background in building partnerships and his deep commitment to public service make him a tremendous asset to our team.” Cornejo shared his enthusiasm for his new role, saying, “It is an honor to join ETCOG and to serve the seniors of East Texas. My goal is to build on the strong foundation already in place at the Area Agency on Aging and continue to expand access to services that help older adults and their families live with dignity and independence.” The AAA is administered through ETCOG and is part of a nationwide network created through the Older Americans Act of 1965. It provides a wide range of services, including information and referral, benefits counseling, case management, health education, senior nutrition programs, housing repair, caregiver support, and Ombudsman advocacy for individuals in long-term care facilities. These programs are designed to help older residents remain active and independent in their homes and communities for as long as possible.
Medicare Open Enrollment is right around the corner, and with so many plans and choices, it’s easy to feel overwhelmed. But you don’t have to figure it out alone. Our certified benefits counselors are here to help—whether you prefer to sit down one-on-one or schedule an educational session for your group or organization. They provide clear, unbiased information about Medicare so you can make informed decisions that fit your needs. These services are free and available to individuals, families, churches, senior centers, civic clubs, and other local groups. If you or someone you know has questions about Medicare coverage, upcoming changes, or available plans, now is the time to reach out. To schedule an appointment or request a group presentation, contact us at 1-800-442-8845 or www.easttexasaaa.org/request-speaker .
