What's New for Medicare in 2021
State Health Insurance Assistance Programs • January 20, 2021
Medicare Advantage Plan costs
If you have a Medicare Advantage Plan, your plan administers your Part B coverage. Remember that most people with Medicare, whether they have Original Medicare or a Medicare Advantage Plan, pay the Part B monthly premium. Some people with a Medicare Advantage Plan may also pay an additional monthly premium for being enrolled in that plan.
If you have the same Medicare Advantage Plan in 2021 as you did in 2020, your plan should have sent you an Annual Notice of Change (ANOC) or Evidence of Coverage (EOC) notice explaining any changes for the coming year.
Review this notice to understand your plan’s costs, covered services, and rules. Contact your plan if you did not receive these documents in the fall or want another copy. If you chose a new Medicare Advantage Plan, you should get an EOC for the new plan. Review that document to understand the costs associated with the plan for 2021.
When can I change my Medicare coverage in 2021?
During the Medicare Advantage Open Enrollment Period (MA OEP), you can switch from your Medicare Advantage Plan to another Medicare Advantage Plan or to Original Medicare with or without a stand-alone prescription drug plan. The MA OEP occurs from January 1 through March 31. Changes made during this period are effective the first of the following month.
If you have Extra Help in 2021, you have a Special Enrollment Period (SEP) to enroll in a Part D plan or switch between plans.
This SEP is available once per calendar quarter for the first three quarters of the year (January-March, April-June, and July-September). If you use the Extra Help SEP to change your coverage, the change will become effective the following month.
If you qualify for another Special Enrollment Period, you may be able to make changes to your Medicare health/drug coverage. For example, you may have an SEP if you move outside of your plan’s service area or If you think a government employee made a mistake while assisting you. Call 1-800-MEDICARE to use an SEP, and contact your State Health Insurance Assistance Program (SHIP) by calling 877-839-2675 for more information.
Who can I contact if I have Medicare-related questions?
State Health Insurance Assistance Program (SHIP):
Contact your SHIP if you have questions about changes in costs and coverage of your Medicare in 2021. SHIP counselors provide unbiased Medicare counseling and assistance. Contact Juanita Beason with the East Texas Area Agency on Aging at juanita.beason@etcog.org or 1-800-442-8845.
Senior Medicare Patrol (SMP):
Contact your SMP (1-888-341-6187) if you believe you have enrolled in a plan based on misleading information or were enrolled in a plan without your knowledge. SMPs empower and assist Medicare beneficiaries, their families, and caregivers to prevent, detect, and report health care fraud, errors, and abuse.
1-800-MEDICARE (800-633-4227):
Call 1-800-MEDICARE to use an SEP, to request another copy of the Medicare & You handbook, or for more information about your 2021 coverage.
Medicare Advantage Plan or Part D plan:
If you have a Medicare Advantage Plan or Part D plan, contact your plan to ask about changes in your costs or coverage for 2021. You may also contact your Medicare Advantage Plan if you are using the MA OEP to switch plans.
The Area Agency on Aging of East Texas is partnering with First Christian Church in Jacksonville to offer a free Benefits & Estate Planning Presentation for Seniors and Caregivers. The informative workshop will be held Thursday, September 17, from 10 a.m. to noon at the First Christian Church Sanctuary, 1920 Beaumont Street in Jacksonville. Presented by Paul Zambie, Managing Attorney with Texas Legal Services Center, the session will help attendees better understand legal and planning issues that can affect older adults and their families. Topics will include wills and trusts, deeds, transfer-on-death deeds, long-term care Medicaid, Medicaid estate recovery, and senior services. This free presentation is designed to give seniors and caregivers practical information to help prepare for life’s challenges and make informed decisions about the future. For more information, contact the Area Agency on Aging of East Texas at 903-218-6500 or 1-800-442-8845.
This summer, ETCOG Director of Aging Programs Adrian Cornejo welcomed an extraordinary experience into his home through his volunteer work with Creating Friendships for Peace (CFP). For one month, Adrian hosted two students from Cyprus, Michael and Derin, who came to East Texas through the CFP program. During their stay, the students shared a room in Adrian’s home, experienced daily life in the region, shadowed Adrian at ETCOG, and attended an ETCOG Executive Committee meeting. Creating Friendships for Peace brings young people from communities affected by longstanding divisions together for cultural exchange, dialogue, and relationship-building. Cyprus has been divided for decades between Greek Cypriot and Turkish Cypriot communities, with a history of conflict and mistrust that can shape how young people see those from the other side of the island. Adrian said the experience gave him a deeply personal view of how division can affect young people and how meaningful it can be when they have the opportunity to connect outside of those divisions. “What I witnessed through these young men was difficult to process,” Adrian said. “Each of their societies has, in different ways, instilled distrust, division, and even hatred toward people on the ‘other side.’ Perhaps the most heartbreaking part is hearing that this begins when they are children.” Through his involvement with CFP, Adrian also hosted two young men from Israel for a few days, one Jewish Israeli and one Arab Israeli, who similarly came from communities shaped by complex social and political divisions. “This is not a political story,” Adrian said. “It is a personal reflection on what has been one of the most emotional and humbling experiences of my life. Hearing the students’ experiences made me realize just how much we take for granted here in the United States,” he said. “We have the freedom to think, to question, and to decide for ourselves what we believe and how we treat others.” For Michael and Derin, their time in East Texas offered an opportunity to see a different community, to witness regional collaboration in action as our elected officials voted on ETCOG business, and to build friendships beyond the boundaries and assumptions they may encounter at home. “I think words are too little to describe the last four weeks,” said Michael. “This month we became a family. I was talking with Derin, and I told him it feels like we are packing to go to vacation, not home.” “I want to thank Mr. Adrian for hosting us and being part of our destiny in this trip,” said Darin. “You are very hard working and care about us. I am very grateful for you taking us to San Antonio trip, for your work, and giving us opportunities to meet wonderful people…I wish to mature up and become a person like you one day wh helps everyone like you do.” Adrian said the friendships formed through CFP demonstrate that meaningful change often starts on a personal level. “Peace doesn’t begin with governments or political agreements,” Adrian said. “Sometimes, it begins with a conversation, a friendship, and the willingness to see another person as a human being rather than as a representative of ‘the other side.’” He added that he is grateful for the friendships and perspectives the students brought into his life. “I will carry their stories, their friendship, and what I learned from them with me for a very long time,” Adrian said. ETCOG is proud to recognize Adrian’s commitment to service and his willingness to share both his home and workplace with students participating in this important exchange for peace.
