The Medicare Open Enrollment period is one of the most critical times of the year for those on Medicare. Running from October 15th through December 7th, this is your opportunity to review and make changes to your Medicare plan to ensure it meets your needs for the coming year. With the December 7th deadline fast approaching, now is the time to act.

Why Open Enrollment Matters

During the Open Enrollment period, you can:

• Switch between Medicare Advantage and Original Medicare.
• Change from one Medicare Advantage plan to another.
• Join a Medicare Prescription Drug Plan (Part D) or switch plans.
• Drop Medicare Part D coverage entirely.

These changes will take effect on January 1st, so it’s essential to choose the plan that best fits your healthcare needs and budget.

Avoid Last-Minute Stress

Waiting until the last minute can lead to rushed decisions, confusion, and the risk of missing out on better coverage options. Reviewing your plan early ensures you have time to:

• Evaluate whether your current plan meets your needs.
• Understand changes in costs, coverage, or provider networks for 2025.
• Find better options that could save you money or provide more comprehensive benefits.

Why Choose Hilgerman Insurance Solutions?

Navigating Medicare can be complex, and that’s where Hilgerman Insurance Solutions comes in. As a trusted Medicare insurance broker specializing in Ventura County, Deborah Hilgerman is here to simplify the process and guide you every step of the way.

Here’s why you should turn to Hilgerman Insurance Solutions:

1. Expert Knowledge

With extensive experience in the Medicare landscape, Deborah stays up-to-date on plan changes, benefits, and costs to ensure you’re fully informed.

2. Personalized Guidance

Your healthcare needs are unique, and so are the plans that suit you. Deborah takes the time to understand your needs and budget, offering tailored recommendations for optimal coverage.

3. Unbiased Advice

As an independent broker, Hilgerman Insurance Solutions isn’t tied to a single insurance carrier. That means you’ll receive unbiased advice and access to a wide range of plan options.

4. Stress-Free Enrollment

Deborah simplifies the process, helping you compare plans, understand benefits, and enroll without the headache of sifting through the details alone.

Act Now—Time Is Running Out

The December 7th deadline is closer than you think. Don’t wait until the last minute to make your Medicare decisions. Reach out to Hilgerman Insurance Solutions today and get the expert help you need to confidently choose a plan that works for you.

Contact Hilgerman Insurance Solutions Today

Ready to make the most of Medicare Open Enrollment? Contact Deborah Hilgerman now to schedule your consultation and take the first step toward a better Medicare plan for 2025. Don’t wait—your health and peace of mind depend on it!

Hilgerman Insurance Solutions
www.HilgermanIns.com

As you may know, we are well into the Medicare Annual Enrollment Period (AEP).  This year it is very important for you to review your current Prescription Drug Plan or your Medicare Advantage Plan.  This time frame is when you can change plans for the upcoming year.  The formularies have changed a bit as well as the monthly premiums.  

Please send me your list of prescription medications so that I may process a review for you. Send to hilgerman.insurancesolutions@gmail.com.

Perhaps you’re finding that your current plan doesn’t cover all the medications you need, or maybe you’re simply looking for better pricing. Whatever your reason, a review of your Medicare drug plan doesn’t have to be a daunting task. At Hilgerman Insurance Solutions, we understand the importance of finding the right coverage for your healthcare needs. You can sit back and relax while we do the work for you.

You can make changes to your Medicare Part D (prescription drug) plan during specific periods:

1. Annual Election Period (AEP): This period runs from October 15 to December 7 each year. During the AEP, you can change your drug plan or Medicare Advantage plan from one Medicare health plan to another. Any changes made during this period will take effect on January 1 of the following year.

2. Special Enrollment Periods (SEPs): These are available based on specific circumstances, such as moving out of your plan’s service area, losing other drug coverage, or living in an institution like a nursing home. The availability and timing of an SEP depend on your particular situation.

This year it is extremely important due to the many changes that are taking place for 2025.  It’s a good idea to review your Medicare Part D coverage annually, especially during the AEP, to see if another plan could offer better coverage or lower costs based on your prescription drug needs. 

Assess Your Current Plan

We’ll take some time to review your current Medicare drug plan and make note of the medications you’re currently taking, the costs associated with your plan, and any limitations or restrictions.

Compare Plans

Once we receive your list of prescription medications and the Scope of Appointment, it’s time to explore your options. Hilgerman Insurance Solutions will compare different Medicare drug plans available in your area that cover your medications at a reasonable cost and offer the benefits you need.

Consider Your Budget

When switching your Medicare drug plan, it’s important to consider your budget. We can find plans that offer competitive premiums, deductibles, and copayments. Keep in mind that a lower premium may not always equate to the best overall value, so be sure to weigh the costs against the coverage offered.

Enroll in Your New Plan

Once we’ve found a Medicare drug plan that meets your needs, it’s time to enroll. I will walk you through the enrollment process.  You can typically enroll in a new plan during the Medicare Annual Enrollment Period, which runs from October 15th to December 7th each year.  

Review Your Coverage Annually

After switching your Medicare drug plan, we will review your coverage annually. Your healthcare needs may change over time, so it’s important to reassess your plan each year during AEP to ensure you’re still getting your medications covered at a reasonable price.

At Hilgerman Insurance Solutions, we’re committed to helping you navigate the complexities of Medicare and find the right coverage for your unique needs. If you have any questions or need assistance with switching your Medicare drug plan, don’t hesitate to reach out to our knowledgeable team of insurance experts. With your guidance, we make a seamless transition to a Medicare drug plan that offers the coverage and peace of mind you deserve.

Hilgerman Insurance Solutions of Camarillo is an independent insurance agency that specializes in the senior market, while offering health insurance solutions for small businesses and individuals. We are contracted with 11 of the top insurance providers to offer you 65 plans that will work for your needs, all with personal hands-on service and support. 

Our commitment is to provide expertise, friendly service along with a timely response. Please feel free to contact us today for a quote and/or no-cost consultation.   

Hilgerman Insurance Solutions
Your Health Insurance Advocate
(805) 279-5482
hilgerman.insurancesolutions@gmail.com   
www.hilgermanins.com

With Medicare Open Enrollment just around the corner on October 15th, now is the perfect time to familiarize yourself with the key aspects of enrolling in Medicare. Whether you’re new to Medicare or looking to make changes to your current plan, understanding the enrollment periods, requirements, and options available can help you make informed decisions and ensure you have the coverage you need for the upcoming year.

Know Your Initial Enrollment Period

Medicare enrollment is a crucial step that typically happens at two key times: around your 65th birthday and during the annual Open Enrollment Period from October 15th to December 7th. If you’re turning 65, you have a seven-month window to enroll in Medicare, which starts three months before your birthday month and ends three months after. This Initial Enrollment Period is your first opportunity to sign up for Medicare Part A and Part B, as well as other plans. If you’re already enrolled but want to make changes to your coverage, the Open Enrollment Period is your chance to switch plans, add or drop coverage, or move between Medicare Advantage and Original Medicare. Making the right choices during these periods ensures that your healthcare needs are met throughout the year.

Determine Your Eligibility

While many individuals automatically qualify for Medicare at age 65, eligibility can vary based on factors such as disability or specific medical conditions. It’s important to understand the eligibility criteria that apply to your situation. Hilgerman Insurance Solutions can help you determine if you meet the requirements for Medicare enrollment.

Understand the Different Parts of Medicare

Medicare consists of several parts, each covering different aspects of healthcare:

• Medicare Part A: Hospital Insurance
• Medicare Part B: Medical Insurance
• Medicare Part C: Medicare Advantage Plans
• Medicare Part D: Prescription Drug Coverage

Your choice of coverage depends on your specific healthcare needs, and you may opt for Original Medicare (Part A and Part B) or a Medicare Advantage plan (Part C) that often includes prescription drug coverage (Part D).

Consider Medigap Plans

Medigap plans, also known as Medicare Supplement Insurance, can help fill the gaps in your Original Medicare coverage. These plans are offered by private insurance companies and can provide additional benefits, such as reduced out-of-pocket costs.

Be Aware of Late Enrollment Penalties

Failing to enroll in Medicare during your initial enrollment period may result in late enrollment penalties. These penalties can increase your premiums for Part B and Part D coverage. To avoid these extra costs, it’s essential to enroll during your initial enrollment period or during a Special Enrollment Period, which you may be eligible for under certain circumstances.

Consult an Expert Like Deborah Hilgerman

Medicare can be complex, and the choices you make can have a significant impact on your healthcare and financial well-being. Consulting with a Medicare specialist at Hilgerman Insurance Solutions is a wise decision. They can help you navigate the enrollment process, understand your options, and choose the coverage that best suits your needs.

Stay Informed About Enrollment Periods

In addition to the initial enrollment period, there are other enrollment periods that you should be aware of, such as the Annual Enrollment Period (AEP) and Special Enrollment Periods. Staying informed about these dates is crucial for making changes to your Medicare coverage.

Understanding Medicare enrollment is essential for securing the healthcare coverage you need as you age. With the guidance of experts at Hilgerman Insurance Solutions, you can make informed decisions about your Medicare coverage, ensuring that you receive the healthcare services that are right for you. Don’t hesitate to reach out to us for assistance and make the most of your Medicare benefits.

Navigating the complexities of Medicare eligibility and coverage can be challenging, which is why it can be helpful to work with a knowledgeable insurance professional like Hilgerman Insurance Solutions. Our team can help you understand your options and make informed decisions about your Medicare coverage. Contact us today to learn more about our services and how we can help you get the most out of your Medicare benefits.

Hilgerman Insurance Solutions
(805) 279-5482
deb@hilgermanins.com  
www.hilgermanins.com