Here’s how older Americans can make informed choices around Medicare enrollment

Originally published in The Tennessean, September 2024

It's no secret that most seniors naturally face new or different health challenges as they age. That means their health care and provider relationships are increasingly important. And every Fall season, seniors and their loved ones have an opportunity to evaluate their health benefit options during the annual open enrollment period, which is quickly approaching.

Today, more than 33 million Americans are enrolled in a Medicare Advantage plan - that's more than half of the Medicare-eligible population. The Medicare Advantage program provides free or low-cost, patient-centered care to seniors and Americans with disabilities.

Compared to traditional Medicare, most Advantage plans also offer more comprehensive benefits beyond only medical coverage and the security of a cap on out-of-pocket costs.

For example, our BlueAdvantage plans include dental, vision, pharmacy, over-the-counter and well-being benefits - even a $0 copay for primary care visits. Our plans also include one-on-one care coordination support, and free fitness benefits that include group exercise classes, social activities, and more - all benefits that separate Advantage plans from traditional Medicare.

Making informed choices is important when living on a fixed income

We also know many seniors can face transportation or mobility challenges. That's why our Advantage plans also offer a wider provider network that also includes telehealth services, which matters for seniors looking for care close to home.

For many seniors, these free or low-cost plans mean better access to high-quality care, which leads to improved health outcomes. As a result, healthier seniors are continuing to contribute to the economy by participating in community activities, volunteering and even working part-time.

Navigating the maze of plan options can feel overwhelming, but making informed choices can save consumers money and help ensure they get the high-quality care they need.

This is especially important for Medicare-eligible seniors, many of whom are living on a fixed income.

While Medicare Advantage is a prime example of the government and private insurance companies working together to meet a vital need for one of our most vulnerable populations, this year's annual open enrollment might see the biggest benefit upheaval in a long time. So, now's the time to take stock of what you have and need.

There's a lot of pressure to be competitive in the market, which gives seniors plenty of options. And the competition among insurers makes all of us better. So, if you don't have the coverage you think you'll need for the next year, or you're not satisfied with your benefits, it's time to shop around.

What should you think about when shopping for a plan this year?

1. Make sure your doctors are in network. If they're not, consider looking at another plan or be ready to find a new provider. At BlueCross, we can assist with this process.
2. Think about the benefits you need and make sure they're covered by your plan. If not, find a plan that includes the benefits that support the level of care you need for the next year.
3. Check your plan's quality "stars" score from the Centers for Medicare & Medicaid Services (CMS). For example, in 2024, our BlueAdvantage PPO plans earned 4.5 out of 5 stars.
4. If you're in need of new plan options, consider reaching out to a broker or a call-in line for support. If you're a BlueCross member, you can call the number on the back of your member ID card.

If you're also eligible for Medicaid, now's the time to make sure you haven't lost coverage during the nationwide eligibility review, which affected Tennesseans this past year. You can check your coverage status at TennCareConnect.TN.Gov.

Remember, even if your health needs don't change, you don't have to be locked into the same plan every year. You have options, and carriers like BlueCross can help you identify the best fit for you

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