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You are like many people these days, caring for an older adult and perhaps being asked to make decisions you never expected. You need information, guidance and peace of mind. We understand what you're going through, and we're here to help.
If you have any questions about the Medicare options offered by Blue Cross and Blue Shield of Montana, please contact us to talk one-on-one about your unique situation.
You may need to address these items to decide which type of Medicare plan is right for them. If they are still working and planning to retire, have them ask their benefits administrator whether they're eligible for Medicare benefits and learn about their options.
Gather records and information for the person you are helping.
Earnings and benefits
Current health and prescription drug needs
If they are currently enrolled in a Medicare plan, you will want to discuss if it's still the best plan or if they should switch to another plan. Use this chart to confirm their decision.
|Their plan may still meet their needs if any of these is true:||Consider switching to another plan if any of these is true|
|They don’t currently take any prescription drugs.||They need more coverage|
|They use the same prescription drugs as last year and they are still on the plan’s formulary||They need a lower-cost plan.|
|Their costs (premiums, deductible, copays), while different, are still within their budget.||Their current plan may not cover their prescription drugs next year.|
|If their current plan still meets their needs, don’t worry; they don’t need to do anything.||Select a plan to meet their current needs.|
If they decide to change plans, review the enrollment periods to see when they can make the change.
Follow these steps:
Have these items handy:
Be sure they qualify for Medicare and that they live where the plan they are interested in is available. Look at the plan choices.
Make sure the following meets their needs:
Enrollment takes place during specific times of the year.
Caring for yourself-while caring for others-can be a challenge. Here are ways to avoid putting yourself last while being a caregiver or Medicare coach:
We're on hand to answer your caregiver questions at any time.
Last Updated: April 01, 2022
Last Updated: 09302022