As the Medicare Annual Enrollment Period (AEP) comes to a close on December 7th, many Medicare beneficiaries are left wondering, "What’s next?" Whether you’ve made changes to your Medicare coverage or kept things the same, here’s a look at what to expect from here, important deadlines, and how Thiel & Associates Insurance is here to help you every step of the way.

📅 Key Dates and Timeline After AEP

1. December 7th: AEP Ends If you made changes to your Medicare plan during the AEP (October 15th - December 7th), those changes are now locked in for the upcoming year. If you didn’t make any changes, your current coverage will continue as is.
2. January 1st: New Plan Year Begins Any changes you made to your Medicare Advantage or Medicare Part D plan during AEP will take effect on January 1st. You’ll want to review your new coverage details carefully when your plan documents arrive, ensuring everything aligns with your needs for 2025.
3. Mid-December to Early January: Look for Your New Plan Card If you switched to a new Medicare Advantage or Part D plan, you’ll receive your new ID card in the mail. Be sure to keep it handy, as you’ll need it for doctor visits or filling prescriptions. If you haven’t received your card by early January, contact your plan provider or reach out to us, and we’ll assist you in getting it sorted out.
4. January 1st - March 31st: Medicare Advantage Open Enrollment Period If you have a Medicare Advantage plan and realize your new coverage isn’t working out the way you’d hoped, don’t panic! From January 1st to March 31st, you can use the Medicare Advantage Open Enrollment Period to switch to a different Medicare Advantage plan or return to Original Medicare. This period does not allow you to switch Part D plans unless you're also changing from Medicare Advantage to Original Medicare.

👀 What to Expect in the Coming Weeks

After AEP, you’ll begin to receive mailings from your new or existing plan provider, including:

• Evidence of Coverage (EOC): This document outlines what your plan covers and your costs for the year.
• Annual Plan Notices: These confirm any updates or changes to your Medicare coverage, including costs, provider networks, or covered medications.
• Billing Notices: If your premium or copayment amounts have changed, you may also receive billing notices for the new year.

It’s important to review all these materials thoroughly to ensure you understand your coverage for the upcoming year. If anything seems confusing or you have questions, don’t hesitate to give us a call—we’re here to help!

🚨 Common Post-AEP Situations & How We Can Help

Sometimes, even with careful planning, unexpected situations arise after AEP:

• Your doctor or pharmacy is no longer in your plan’s network: This can be frustrating, but we can help you explore alternative providers or assist you in navigating your plan’s network.
• Your medications are no longer covered or have increased in cost: Drug formularies can change from year to year. If your prescriptions have become more expensive or aren’t covered, contact us. We can help review your options and see if there’s a solution.
• You missed the AEP deadline or are unhappy with your new coverage: If you didn’t make changes in time or are finding your new plan isn’t working out, remember the Medicare Advantage Open Enrollment Period (January 1st - March 31st) allows for adjustments. Let us help you explore your options!

💼 Thiel & Associates Insurance Is Here for You Year-Round

Even though the Medicare Annual Enrollment Period is ending, our commitment to supporting you never does! At Thiel & Associates Insurance, we understand that health needs change, and insurance can be tricky to navigate, especially as new situations arise.

Here’s why you can count on us:

• Personalized Guidance: We take the time to understand your specific healthcare needs and offer tailored recommendations, no matter the time of year.
• Expert Assistance: From reviewing plan documents to answering questions about coverage changes, our team is ready to help you make informed decisions.
• Ongoing Support: Whether it’s during AEP, the Medicare Advantage Open Enrollment Period, or any other time throughout the year, we’re always just a phone call away.

Don’t Navigate Medicare Alone—We’re Here to Help!

If you have questions or concerns about your Medicare coverage, or if you’re unsure about what to expect now that AEP is over, don’t hesitate to reach out to our team at Thiel & Associates Insurance. We’re here to ensure you have the right coverage for your needs and to offer peace of mind as you enter the new year.

Contact us today for any assistance or advice you need!

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