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Arkansans choose insurance benefits during open-enrollment period

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Thursday, October 24, 2024   

The open enrollment period for Medicare and other health care plans is underway and Arkansans are making their selections for insurance coverage for the next 12 months.

Anyone already enrolled in Medicare has an opportunity to make changes to his or her coverage and anyone 65 or older can sign up if they are not already covered.

Carroll Astin, director of the Arkansas Seniors Health Insurance Information Program, said if you are new to Medicare, you should research the different options before signing up.

"The best thing you can do is take a 'Medicare and You' book, it comes out every year, and educate yourself as to the tenets of Medicare," Astin recommended. "Not the big things change every year; it's the little things that change."

Astin pointed out if you are currently enrolled, now is the time to consider if your plan still meets your needs. If you have original Medicare, it could be time to add a supplemental plan or Medicare Advantage.

Astin added since the federal government has capped the price on certain medications such as insulin, you might need to make adjustments to your drug plan.

"From October 15 through December 7, every year you're able to evaluate your drug plan and see what the best three plans are," Astin emphasized. "I really don't care what premium you pay, your deductible you pay. The truth of the matter is, you need to go look at what your yearly cost is going to be for your drug plan."

Dr. Rhonda Randall, chief medical officer for UnitedHealthcare Employer and Individual, said interest in mental health services has increased over the past several years.

"You want to look for a plan that has a variety of options, things that range from self-help, digital services, virtual behavioral health visits," Randall outlined. "Maybe coaching associated with that, as well as your more traditional in-person behavioral health visits."

Meanwhile, open enrollment dates vary for other types of health plans. Most businesses will have open enrollment sometime between now and the end of the year for their employees. And open enrollment for plans on the Health Insurance Marketplace generally runs from November 1 to January 15 in most states. More information is available at www.UHCOpenEnrollment.com.

Disclosure: UnitedHealthcare contributes to our fund for reporting on Health Issues. If you would like to help support news in the public interest, click here.


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