Are You Ready for Health Insurance Open Enrollment?

The Medicare Open Enrollment Period is when everyone with Medicare has to choose to either keep their current plan or enroll in a different one. Health and drug plans often change cost, coverage, and who is in their networks from year to year. It’s tempting to keep what you have, even if you aren’t satisfied, because navigating health care options can be overwhelming to the consumer - but not to Melissa Stille, licensed health care broker, who has been in the health insurance industry for sixteen years. As the sole proprietor of Stille-DeWitt Health Brokerage she is dedicated to presenting her clients with the best health care options available because “I work for my clients, not the insurance company!”

Open enrollment Oct 15-Dec 7

Melissa says, “They are predicting many changes with the 2025 plans. It’s imperative that everyone with Medicare review their plan options this year.” One very important change is the new law that will affect every prescription drug plan whether you are in a Medicare Advantage plan or in a stand-alone prescription drug plan, starting January 1, 2025.

Plan changes cannot be submitted until October 15, but you can start preparing NOW. “We have just 54 days to review everyone’s plans and submit applications for 2025 plans,” says Melissa. With years of experience, she can explain the four parts of Medicare (A, B, C, and D) as well the difference between Medicare Advantage and Supplemental Plans. She can also assist with seeing if you qualify for Extra Help (federal prescription help), Medicaid or to eliminate the monthly $174.70 Medicare Part B Premium (2024 premium).

Melissa also works with Medicare recipients under 65, including those who have Medicare through Social Security Disability because they too have to make the same decisions annually. When someone qualifies for a level of Medicaid, there are additional Medicare Advantage plans available. She says, “If you are getting help through the state Medicaid program and would like for us to check the status of your state Medicaid, please call or email me.”

Questionnaire

Melissa is using a questionnaire to obtain your information along with the compliant form needed prior to meeting with her. It asks for your basic information, a list of your doctors, your medications and any concerns you may have. It’s crucial you include all medications accurately. Melissa states, “I am asking that each person I meet with to complete this. After you complete the questionnaire, we can start working on looking at plans that fit YOUR needs.”

Beware of Scams

She says, “There are going to continue to be scam calls/emails happening again this year and possibly even more because of these new changes to the prescription drug benefits. Medicare will NOT be calling you. You may be scammed by someone who only wants to make a buck off you.” Their only goal is for you to change your plan. “That’s how they make money. They do not have any special plans, so don’t be fooled,” says Melissa. “They can change your plan without a signature or without you knowing! All they need is your Medicare number, so please do not give it out.”

Local Trusted Agent

It’s important to get local help, someone who knows you and your circumstances.

Working with Melissa—at no cost to you—will ensure you

•               get the most benefits from your plan

•               get the lowest drug cost

•               get personal service all year whenever you need help or have questions

“My service is always free to the consumer. For plans that are commissionable, I get paid by the insurance companies. Because I believe in doing the right thing for my clients, I also look at plans I won’t get paid for and if that plan is right for your needs, we will work together to enroll you with that plan.” Melissa has offices in Springfield and Rincon but may not be at both offices every day. Therefore, all client meetings will be by appointment only this year and must be scheduled 48 hours prior to meeting. To reach Melissa, please call or email:

Cell (912) 239-7119 
www.StilleYourAgent.com
[email protected]