Superior, NE – As the Medicare Annual Enrollment Period approaches, October 15 through December 7, 2024, Brodstone Healthcare is urging Medicare beneficiaries to exercise caution and do their research before enrolling in a Medicare Advantage Plan (MAP). It’s important to understand the potential drawbacks and how they may affect your healthcare access and costs.

According to the Nebraska Healthcare Association (NHA), here are some key considerations:

• Network Restrictions: MAPs often have narrower networks of providers than Original Medicare. This means you may have limited choices for doctors and hospitals.
• Out-of-Pocket Costs: MAPs may have higher out-of-pocket costs than Original Medicare, including deductibles, copays, and coinsurance.
• Coverage Changes: MAPs can change their coverage rules and costs from year to year, which can lead to unexpected expenses.
• Appeals Process: If you have a dispute with your MAP, the appeals process can be complex and time-consuming.

Brodstone Healthcare encourages Medicare beneficiaries to:

• Review their current coverage: Understand the benefits and limitations of their current Medicare plan.
• Compare plans carefully: Consider factors such as network size, out-of-pocket costs, and coverage for specific services.
• Talk to their doctor: Ask their doctor if they accept MAPs and what their experiences have been.
• Get help from a trusted advisor: Consult with a Medicare specialist or insurance agent who can provide unbiased advice.

“We want to ensure our community members have the information they need to make informed decisions about their healthcare,” said Treg Vyzourek, CEO at Brodstone Healthcare. “Traditional Medicare offers individuals greater control over their healthcare journey, allowing them to actively participate in decision-making and manage their care preferences. By understanding the potential risks and benefits, individuals can choose the plan that best meets their needs and budget.”

For more information about Medicare and Medicare Advantage Plans, please visit the Medicare.gov website or contact Brodstone Healthcare at 402.207.1531.