If you have a Medicare Advantage Plan you will typically, but not always, get a new card for use in the new year. That same card is used at your doctor, and your pharmacy if your plan includes drug coverage. Most plans of this type also allow you to pursue your New Year Resolutions by using the same card to access fitness benefits at a local fitness facility. Some carriers also offer Over-the-Counter(OTC) benefits and still others may have grocery benefits.

For those people that opted for a Medicare Supplement (Medi-gap) insurance, a type of coverage that requires a separate premium for insurance that pays the ‘Gaps’ between original Medicare and the total owed, typically you will not receive a new card. Hopefully, you reviewed and updated your Part D coverage and have a new card if you changed plans, you’ll provide that to your pharmacy at your first visit in 2025.

With Part D coverage, changes for 2025 will allow you to participate in the Medicare Prescription Payment Plan. To access this feature you sign up with your Part D carrier. This new feature will allow some individuals to minimize high costs in the first months and spread costs over several months allowing access to expensive needed medications.

If you are unsure of what your plan covers and what rights you have allowing changes, please contact my office, as a local broker I’m glad to answer questions.

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We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area.Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options.