Page 56 - October 2021 Issue.indd

Supplemental policies and Advantage as parking lots, hallways,
plans) is flooding the market with “buy lobbies, or sidewalks

from us” attention grabbers! Agents that Remember that Open Enrollment
Spot guidelines set out by CMS that they is the time to evaluate ones’ current
Senior are marketing Medicare products have
prescription drug plan (part “D”) and
must follow. Under these guidelines,

plans and agents cannot: enroll in a different plan for 2022 if need

be. The evaluation includes examining
Senior Moments • Use language that suggests their changes to the plan’s formulary, whereby
by Mary Moran plan is preferred by Medicare a given medicine can be dropped and
410-829-2535/ 410-490-3078 • Represent itself as coming will no longer be covered, or changes

from or sent by Medicare, in the tiering of a drug which aff ects the

It’s finally Fall! What a relief to turn off Social Security, or Medicaid cost and availability of medications. Call
the AC and open the windows to that Mary Moran at the above number for
• Call or text you if you did
good, cool country air? As the harvest not ask them to do so information and assistance with your
begins and we see our farmers out on evaluations for next year’s coverage or
• Leave information (such as to report violations of the guidelines
the roads getting to their crops with

leafl ets, flyers, door hangers, stated above!
their tractors, combines, and balers,
etc.) on your car or at your
let’s remember how important these The Medicare Modernization Act
home if they come from a
hard-working folks are to our local and requires insurers whose policies include
national economy. Practicing patience company that did not have drug coverage to notify policyholders
as they maneuver their behemoth an appointment with you
in writing if their prescription drug
equipment around Caroline County • Provide information that is coverage is creditable. Credible coverage
is an important part of being a good inaccurate or misleading means that the coverage is expected to
neighbor! They know we are behind
• Require attendees to provide pay, on average, as much as the standard
them and try to make way whenever
contact information as a Medicare part “D” prescription drug

possible for general traffic, so let’s give
prerequisite for attending coverage. This disclosure must be
them a break and keep all gestures
a marketing event provided to Medicare eligible working
friendly! individuals and their dependents, as
• Call marketing event attendees
As we ready ourselves for fall, we must later without permission well as COBRA individuals and their
also get ready for an avalanche of snail dependents, by their employer, union,
mail plus plenty of radio, internet, and • Call prospective enrollees or Integrated plan. (An integrated

to confirm receipt of plan is any plan of benefi ts off ered to
television advertising this fall, folks!
mailed information Medicare eligible individuals that off ers
Open enrollment for Prescription Drug

Coverage part “D” starts October 15 • Approach benefi ciaries in prescription drug benefits, along with
and ends December 7, so anyone selling public common areas, such medical coverage, vision, dental, etc.)

anything Medicare related (including Th is notification also applies to those
who are disabled and Medicare eligible,
as well as retirees and their dependents.
TURNING 65? If one does not have creditable coverage
from an entity other than Medicare, you
Confused about all the Medicare Terms & Options? are facing penalties once you do sign
up for “D”, Medicare Prescription Drug
Let Me Help You!
coverage!
Remember that after one’s initial
Anthony Insurance Services enrollment period, those who are
Medicare eligible and do not have
Ann M. Anthony creditable drug coverage after 63 days

of losing drug coverage will be assessed
a Late Enrollment Penalty when they
Specializing in Medicare Supplemental Plans, enroll in a Medicare Prescription Drug
Medicare Advantage Plans, Medicare Part-D Plans, Plan. (PDP) The Late Enrollment
Penalty amount is added to the enrollees’
Dental and Vision, Long Term Care, and Life Insurance
Call Ann Today for an Appointment 410-708-0899 • anthonyins17@gmail.com monthly part “D” premium. Th e PDP
22850 Fleming Road, Denton, MD 21629 collects the penalty in addition to the
premium payment and passes it along
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