📣 Di Medicare Enrolment Guide: 2024 Edition Waka Come Again
⬇️ Pidgin ⬇️ ⬇️ Black American Slang ⬇️ English
Oyinbo say open enrollment for Medicare dey start from Oct. 15 reach Dec. 7. Make you sharp sharp know wetin old pipo for Amerika need to sabi to shop for better health insurance. 😷
Di time don come again! 🕰 From now reach Dec. 7, pass 65 million Amerika pipo dey pick di kain Medicare wey go better dia body well well. TV and radio dey carry plenty advert, email and text join sef to remind pipo. But sometimes e dey confuse pesin head.
E get one better decision wey pesin need to make, but e good make you sabi wetin dey ground.🧐
So, if na you wan make this decision for yourself or another pesin, see wetin you fit look out for. This guide wey dem publish for last year na im dem don update for 2024.
Why e be say dem dey market am so tey tey? 🤔
Since 1965, this Medicare wey government dey fund dey ground. From dat time reach now, plenty Medicare Advantage plans don dey available. Last year sef, normal beneficiary fit choose from 43 Advantage plans.
Di big ogas for Advantage plans na Humana and United Healthcare. Dem and other companies dey use beta strategy to get old pipo make dem sign up or change plan. But some of this marketing way na wahala, because dem dey try confuse old people. But e be like say this marketing strategy dey pay insurance companies sha. 51 percent of pipo wey fit join Medicare don join Medicare Advantage.
Which one better pass: Medicare or Medicare Advantage? 🤷
These two plans dey work in different ways, but di one wey go fit person body and pocket dey important. E get beta beta side and e get side wey no good.
Advantage plan dey simple. E be like one market wey person fit buy everything wey e need. Drug plan dey inside, you no need buy another plan join. But majority of di Advantage plans no dey give you choice to choose the health care provider wey you want. Some of the things wey Advantage plans dey offer, like eyes, teeth and ear care dey popular. But you need check the real benefit before you carry go.
But, no be everything for Advantage plans dey sweet. Some times, before dem approve treatment, dem go dey do long tin. If person no gree for di care wey dem give am, e fit complain. But not all pipo dey complain.
Advantage plans fit get wahala if person dey travel or e no dey one place. If pesin wey live for one side sick for another place, e fit no get care.
So e better make I just go with traditional Medicare? 🤨
Traditional Medicare no get network wahala. You fit see any doctor wey wan see. But the problem be say, you go pay plenty money. But if pesin get Medigap policy, e no go get wahala.
Wetin I fit sabi about drug plans? 💊
Unlike most Medicare Advantage plans, traditional Medicare no get drug coverage. You go need buy separate Part D plan. Different plans dey cover different drugs and the price dey change.
After I don choose plan, I fit change am if e no sweet me? 🔄
Yes, you fit change am, but e get how e dey. If you wan switch from one plan to another, you fit no fit get back your Medigap policy.
Where I fit get help for these decisions? 🆘
You fit get beta information for Medicare.gov website. But the best help na the one wey federal government dey fund for State Health Insurance Assistance Programs. Dem fit helep you choose well well.
No forget, e good make you sabi before you choose. Your health na important tin, no play with am!🌡🩺💪
Dis one na di waka about Medicare for 2024. Make we all dey shine our eyes well well!
NOW IN BLACK AMERICAN SLANG
Time to Make Moves: Medicare 2024 Guide 💉📘
It’s that season again, folks gotta decide on the best Medicare joint for their needs. From now till Dec. 7, over 65 million folks gonna be pondering what’s the top Medicare play for them. TV, radio, emails, and letters are all up in the mix, putting folks on, but it can still be a maze out here. 📺📻💌
Jeannie Fuglesten Biniek, a top scholar over at KFF, talking all things Medicare Advantage and the OG Medicare said, “Stay woke, gotta know what’s good.” 🧠
If you’re about making decisions for you or someone close, peep this:
What’s With All These Ads Though? 📢
Since Medicare popped off in 1965, mad Medicare Advantage plans have surfaced. Last year? We’re talking about 43 Advantage plans to pick from, according to KFF.
These Advantage plans get bankrolled by federal dollars, but private companies are the ones serving them up. The goal? Keep it cost-efficient.
Big names like Humana and United Healthcare? They’re out here pushing heavy, trying to get seniors to hop on or switch it up. Some tactics? Kinda shady, looking like official government mail and all. But it’s working – 51% of eligible folks are already on the Medicare Advantage train.
What’s the Real: OG Medicare or Medicare Advantage? 🤔💭
They operate real different, and the effects on your health and wallet? Serious. Jeannie said folks seem happy with both, so it’s really about what fits you.
Advantage plans? More straight up. It rolls in the drug plan and doesn’t need an extra policy. But OG Medicare folks? Many cop what they call Medigap. 💊
Medicare Advantage might come out lighter on the wallet. For the next year, you won’t be shelling out more than $8,850 if you’re sticking with in-network doctors. But if you opt for a plan that rocks with out-of-network docs? Might be parting with up to $13,300.
David Lipschutz, a big voice over at the Center for Medicare Advocacy, dropped that Advantage plans might limit your options. Most are like H.M.O., meaning you can only rock with their list of docs. Advantage might pull folks in with the extras, like vision, dental, and hearing, that OG Medicare isn’t giving out. 👓🦷👂
Any Hiccups with Medicare Advantage? ❌🚫
One thing? Insurance companies might hit you with that “prior authorization” move before they let certain treatments slide.
For 2021, those who challenged it? A strong 82% came out on top. But just 11% of folks or their docs even tried to make a move. So, some might not be getting the care they truly deserve.
Which One Should I Rock With? 🧐
“The major flex of OG Medicare is that open choice of docs,” Jeannie put it out there. But no cap on spending? That’s a downside. So, many folks add Medigap to keep those costs in check. 💰
Research suggests that if you’re rolling with Medicare Advantage, you might not get access to the top-tier hospitals or clinics compared to those on the OG Medicare.
What’s Good with Drug Plans? 💊🌡
OG Medicare doesn’t cover drugs off the rip. For that? Gotta grab a separate Part D plan.
Last year, seniors had like 24 different Part D plans to choose from. Costs? Anywhere from $6 to a solid $111 monthly.
Can I Switch if It Ain’t Cutting It? 🔄🤨
For sure, but weigh it out. Switching between Medicare Advantage plans? Smooth. But if you’re thinking of jumping from OG Medicare to Advantage? Might get tricky, especially with losing that Medigap cover.
Where’s the Assist At? 🆘🤷♂️
You can slide over to the Medicare.gov site; they got the info. Or ring up 1-800-MEDICARE.
But if you want that one-on-one? State Health Insurance Assistance Programs got you. They can help you break down the best Medicare and drug plans suited for you. 👩⚕️👨⚕️
Knowledge is power, so stay sharp and make the right moves! 🤓📖🌟
NOW IN ENGLISH
E Don Reach Time To Choose: Medicare 2024 Guide 💉📘
Di season don reach again wey old people fit choose Medicare plan wey go better for dem. From now till Dec. 7, over 65 million Americans go dey think which kind Medicare option go fit give dem correct health cover. Everywhere TV and radio dey yan about am, email, message and letter full everywhere to remind you, but e fit still confuse person. 📺📻💌
Jeannie Fuglesten Biniek from KFF, wey bin study well-well about Medicare Advantage and traditional Medicare, talk say, “E dey very important make person dey informed.” 🧠
If you wan make choice for yourself or for person wey you sabi, see wetin you go put for mind:
Why All Dis Advertise? 📢
Since 1965 wey dem start Medicare, different type of Medicare Advantage plans don dey show. For last year, person fit choose from 43 Advantage plans, as KFF talk.
Dem fund Medicare Advantage plans from federal government money, but private insurance companies na dem dey offer am. The main idea na to help save cost.
Big companies like Humana and United Healthcare dey advertise well-well make old people register or change plans. Some of dem marketing tricks sef na wayo; e be like government letter sometimes. But this kind marketing don make many people join – 51% of people wey fit join Medicare Advantage don join.
Which One Better Pass: Medicare or Medicare Advantage? 🤔💭
The way these two plans dey work different well-well, and the way e go affect person health and pocket big. Jeannie talk say both plan people happy with the kind health dem dey get.
Advantage plan easy to understand. You go get drug plan join and you no need another extra policy. But traditional Medicare people often buy another one wey dem dey call Medigap. 💊
Medicare Advantage fit dey cheaper. Next year, you no go pay pass $8,850 if you dey use in-network doctors. But if you choose kind plan wey allow out-of-network doctors, you fit pay reach $13,300.
But David Lipschutz from Center for Medicare Advocacy talk say Advantage plan no allow many choice. Most of them work like H.M.O., you fit only use doctors wey dem don contract. Advantage plan fit attract people because e dey offer extra things wey traditional Medicare no fit offer like eye glass, teeth care and ear check. 👓🦷👂
Wetin be di wahala for Medicare Advantage? ❌🚫
One wahala be say insurance company fit dey ask for “prior authorization” before dem go allow some kind treatment.
For 2021, people wey appeal sef win 82% of di time. But only 11% of people or doctors even appeal. So, many people no dey get correct care wey dem suppose get.
Which One I Fit Choose? 🧐
“Di big advantage of traditional Medicare be say you fit choose any doctor,” Jeannie talk. But dem no get limit for how much you fit pay. Many people buy Medigap to help dem with the cost. 💰
Researchers don find say people wey dey use Medicare Advantage no dey fit use better hospital or clinic like those wey dey use traditional Medicare.
Wetin I go Know About Drug Plans? 💊🌡
Traditional Medicare no include drug cover. For that one, you go need to buy separate Part D plan.
Last year, old people fit choose from 24 different Part D plans. The cost fit dey between $6 to $111 every month.
I fit Change Plan if E No Sweet Me? 🔄🤨
You fit change, but think am well. E easy to change from one Medicare Advantage plan to another. But if you wan move from traditional Medicare to Advantage, wahala fit dey because you fit loss your Medigap policy.
Where I Fit Get Help? 🆘🤷♂️
You fit check Medicare.gov website, dem get plenty tori there. Or you fit call 1-800-MEDICARE.
But better help fit dey from State Health Insurance Assistance Programs. Dem go fit help you decide the best Medicare and drug plan wey fit you. 👩⚕️👨⚕️
E better make you dey informed so you fit make better choice! 🤓📖🌟
