Big Changes for Medicare in 2025
AIS Medicare & More
For more information about the author, click to view their website: AIS Medicare & More
May 24, 2024
Colorado - Southern Colorado
Some years the annual enrollment period brings little change
and plans stay relatively the same as the year prior. The annual enrollment
period this year will not be one of those calm years. We are expecting to see a
lot of change as multiple Medicare reforms are implemented.
One of the biggest changes will be to prescription drug
coverage. The Inflation Reduction Act will cap the annual out-of-pocket costs
for those with Medicare Part D to $2000 annually. Additionally, the Part D
Redesign will change the requirements placed on plans for the number of drugs covered
per category in the drug formulary, prior authorization requirements and the
availability of interchangeable prescriptions that become available midyear.
We will also see plans reacting to multiple other changes
affecting how they operate, services provided, reimbursement rates and more.
These changes have been called reform and redesign, but the main reason plans
will be affected is the broad scope of the changes and the multiple areas
affected in one year. There will be changes to the prescriptions covered,
changes to copays for procedures, maximum out of pockets and to the providers
and hospitals in your plans network.
Every year the plans are required to send you an annual
notice of change outlining what has changed from the current year to the next
year. It can be tempting to ignore those notices.
During the annual enrollment period, I encourage you to read
through the plan changes, gather your list of healthcare providers, your list
of current medications and your list of preferred hospitals and contact your
local agent or the carrier directly to review your coverage for next year.
If you need assistance reviewing your plan or are struggling
to find a plan that meets your needs, feel free to contact AIS Medicare &
More at 719-404-3202 to be connected to an agent near you. Our services are
provided at no cost to you. For more information visit: aismedicareandmore.com
Editor’s Note: This article was submitted by Jolynn Allen, with
AIS Medicare & More. She may be reached at 719-404-3202.
Other Articles You May Like
Why Geriatric Care Management Matters in Southern Colorado
Southern Colorado is home to a diverse senior population, spread across both urban centers and rural communities. Access to specialized healthcare can vary, making navigation of services even more critical. A Geriatric Care Manager brings local expertise and a network of resources that can be especially valuable in this region.Whether youre in Pueblo, Trinidad, La Junta, or other Southern Colorado communities, a GCM can bridge the gap between family caregivers and the complex world of senior care. When to Hire a Geriatric Care ManagerHere are a few scenarios where hiring a Geriatric Care Manager may be especially helpful:Your loved one is showing signs of memory loss, and youre unsure of the next steps.You live out of town and want someone local to oversee care and advocate for your family member.Youre overwhelmed with managing appointments, medications, and home care.Your family is struggling to agree on care decisions.You need support transitioning your loved one into a senior living community or skilled nursing facility.If any of this sound familiar, it may be time to consult with a GCM. How to Find a Geriatric Care Manager in Southern ColoradoFinding the right Geriatric Care Manager involves looking for professionals with experience, credentials, and a compassionate approach. Look for individuals affiliated with professional organizations like the Aging Life Care Association (ALCA), and always ask about their familiarity with resources in Southern Colorado.To explore local options and support services, start with these helpful resources:View Senior Resources in Southern Colorado Find Geriatric Care Management Services in Southern Colorado Final ThoughtsAging is a journey, and no one should navigate it alone. Whether you're managing complex health issues or planning ahead for the future, a Geriatric Care Manager can provide the guidance and relief your family needs.In Southern Colorado, where access to senior care may vary by location, working with a professional who understands the local landscape can make all the difference. For more local resources and trusted senior service providers, visit our Southern Colorado directory today.
Long Term Care Insurance in Southern Colorado: What Seniors and Families Should Know
Planning for the future can be both empowering and overwhelming, especially when it comes to the cost of long-term care. In Southern Colorado, more families are exploring long term care insurance as a proactive way to protect their finances and ensure access to quality care later in life.Whether you're helping a loved one understand their options or planning ahead for your own future, this guide will walk you through the essentials of long-term care insurancewhat it is, why it matters, and how to find the right resources right here in Southern Colorado. What Is Long Term Care Insurance?Long term care insurance is a type of coverage designed to help pay for services that assist with daily living taskssuch as bathing, dressing, or eatingwhen age, illness, or disability makes it difficult to manage independently.Unlike traditional health insurance or Medicare, long term care insurance typically covers extended care provided in:Assisted living communitiesSkilled nursing facilitiesAdult day care centersMemory care programsIn-home care settingsThe purpose of long-term care insurance is to reduce the financial burden of extended care and provide more choices when it comes to where and how care is received. Why Long-Term Care Insurance Matters in Southern ColoradoSouthern Colorado is home to a growing senior population, and with that comes increased demand for long-term care services. As the cost of care continues to rise, especially in areas like Pueblo, Trinidad, and surrounding communities, having a long term care insurance plan can offer financial security and peace of mind.Key reasons to consider long term care insurance include:Protecting retirement savings and assetsAvoiding dependence on family caregiversHaving more flexibility in choosing care settingsReducing out-of-pocket expenses for extended careBeing proactive today could mean more control and comfort in the future. Understanding Your Options: Local ConsiderationsIn Southern Colorado, the availability of care options is broad, ranging from small-town providers to larger medical centers. However, accessing long-term care services can come with waitlists or high out-of-pocket costsespecially without a solid insurance plan.Before purchasing a policy, its important to evaluate:Your health history and agePremium costs and policy limitationsElimination periods (waiting time before coverage begins)Daily or monthly benefit amountsLength of benefit period (how long it will pay out)You may also want to explore hybrid policies that combine life insurance with long-term care benefits. How to Get Started in Southern ColoradoWhile long term care insurance is sold by private companies, understanding your choices doesnt have to be overwhelming. Begin by speaking with a licensed insurance professional who specializes in senior care planning and understands the unique needs of Southern Colorado residents.Also, explore local organizations and directories that offer resources and education to help you make informed decisions:Browse Senior Resources in Southern Colorado Explore Long Term Care Planning Services in Southern ColoradoThese tools can help you find reputable professionals and services that align with your needs and budget. Final Thoughts: Planning with ConfidenceLong term care insurance isn't just about financesit's about independence, dignity, and ensuring your future care aligns with your values. In a diverse and growing region like Southern Colorado, planning ahead gives you the freedom to make choices on your terms. If you're starting your journey toward long-term care planning, let Seniors Blue Book be your guide. Our platform is a trusted, neutral resource to help you explore local options, connect with experts, and feel confident in your next steps.
Medicare Planning in Southern Colorado: What Seniors Need to Know
Navigating Medicare can be confusingespecially for older adults approaching retirement or already managing ongoing healthcare needs. Thats why Medicare planning is essential. If you live in Southern Colorado, understanding your options and planning ahead can make a significant difference in your access to care, financial stability, and peace of mind.In this blog, well cover what Medicare planning involves, how to get started, and where to find helpful, unbiased resources right here in Southern Colorado. Why Medicare Planning MattersMedicare planning isnt just about enrolling in a health insurance programits about making informed choices that affect your long-term health and finances. The decisions you make when enrolling in Medicare can impact:What doctors and specialists you can seeWhat medications are coveredOut-of-pocket healthcare costsCoverage for long-term care or specialty servicesBy taking time to understand the available options, comparing plans, and getting support when needed, seniors can avoid unexpected costs and ensure their needs are fully covered. Medicare Basics: What You Should KnowMedicare is a federal health insurance program primarily for people aged 65 and older. There are four main parts:Part A Hospital insurance (inpatient care, skilled nursing, hospice)Part B Medical insurance (doctor visits, outpatient care)Part C Medicare Advantage Plans (offered by private companies)Part D Prescription drug coverageSome seniors also choose to add Medigap (Medicare Supplement Insurance) to help cover costs not included in Parts A and B.Understanding these components is critical to choosing the right coverage for your specific health and budget needs. Southern Colorado Medicare Planning: Local ConsiderationsSouthern Colorado is home to a large and growing senior population, and with that comes access to a range of local Medicare resources. From Pueblo to Trinidad, seniors can find support from community organizations, nonprofits, and healthcare advisors.Here are key steps to planning your Medicare in this region:1. Know Your Enrollment WindowsMedicare has specific enrollment periods that can affect your eligibility and penalties. These include:Initial Enrollment Period (IEP)Annual Enrollment Period (AEP)Special Enrollment Periods (SEP)Missing a window could lead to delays or extra costs, so its important to plan ahead.2. Compare Plans Available in Southern ColoradoCoverage options can vary depending on your zip code. That means the plans available in Southern Colorado may be different from those in Denver or Northern Colorado. Comparing local plans ensures youre choosing one that includes nearby hospitals, specialists, and pharmacies.3. Use Local ResourcesThere are many neutral, helpful organizations in Southern Colorado that offer Medicare planning assistance. These include:State Health Insurance Assistance Programs (SHIP)Local senior centersMedicare-focused educational eventsYou can also start your search here: Explore Senior Resources in Southern Colorado Find Medicare Planning Support in Southern Colorado Avoid Common Medicare MistakesEven with the best intentions, many seniors fall into common Medicare traps such as:Assuming Original Medicare covers everythingNot reviewing plan changes annuallyOverlooking prescription drug coverageMissing enrollment deadlinesWith the right planning, you can sidestep these mistakes and ensure your healthcare is both accessible and affordable. Final Thoughts: Make Medicare Work for YouMedicare planning in Southern Colorado doesnt have to be stressful. With the right knowledge and local support, you can take control of your healthcare future and make confident, informed decisions. Seniors Blue Book is proud to be a trusted, unbiased source for seniors and families. Whether youre just starting to explore Medicare or reviewing your coverage, were here to help you find the information and resources you need.
Local Services By This Author
AIS Medicare & More
Medicare Advantage Plans 3030 North Hancock Avenue, Colorado Springs, Colorado, 80907AIS Medicare & More Your Trusted Medicare Partner in Colorado SpringsSince 2008, AIS Medicare & More has proudly served seniors across Southern Colorado, helping thousands of individuals navigate the complexities of Medicare with confidence and clarity. What began as a small, locally focused office in Colorado Springs has now expanded throughout the state reaching Woodland Park, Pueblo, Canon City, and beyond all with one mission in mind: to empower Colorado seniors through education, compassion, and lifelong support.Personalized Medicare Guidance You Can TrustChoosing the right Medicare plan can feel overwhelming. Between Original Medicare, Medicare Advantage, Part D prescription coverage, and supplemental options, the process often raises more questions than answers. At AIS Medicare & More, we believe that knowledge is empowerment. Thats why our agents take the time to sit down with every client in person, over the phone, or virtually to explain how Medicare works in simple, easy-to-understand terms.We dont just sell insurance; we provide education-based guidance so you can make an informed decision that truly meets your needs, your health priorities, and your budget.Our complimentary Medicare appointments are designed around you:In-office visits for a traditional, face-to-face experienceIn-home consultations for your convenienceVirtual meetings via phone or computer for comfort and accessibilityWell walk you through your coverage options step by step ensuring you understand the differences between Medicare Parts A, B, C, and D, as well as how supplemental insurance or special programs can enhance your coverage.Serving Colorado Springs, Woodland Park, and BeyondAs a proud part of the Colorado Springs community, AIS Medicare & More has built long-term relationships with local seniors, veterans, and caregivers who depend on reliable, personalized health insurance support. We also serve clients in Woodland Park, Monument, Fountain, Pueblo, and surrounding areas across Southern Colorado.Our expansion throughout the state reflects our commitment to one-on-one service and trusted local expertise. No matter where you live, our experienced agents are just a phone call away ready to help you review, compare, and understand your Medicare plan options.Our Commitment: With You for LifeAt AIS Medicare & More, our support doesnt end once you enroll. Were with you for life.Every year, your health needs, prescriptions, or financial situation might change and so can your Medicare coverage. Thats why we provide:Annual policy reviews to make sure your plan still fits your needsLifetime claims service to help resolve billing or benefits questionsAccount management support so you dont have to handle confusing paperwork aloneWe even encourage clients to call us directly instead of the insurance carrier. When you call AIS Medicare & More, youll reach a familiar voice someone who knows you, understands your history, and can help resolve issues quickly and personally.Maximizing Your Benefits and SavingsMedicare is just one part of the larger healthcare picture. Many seniors qualify for additional state and federal assistance programs and our team helps identify and coordinate those benefits for you.We assist with programs such as:Medicare Savings Programs that may pay your Part B premiumExtra Help / Low-Income Subsidy to reduce prescription drug costsPharmaceutical Assistance Programs for brand-name medicationsVeterans Programs that can work alongside your Medicare planLong-Term Care Medicaid and waiver programsReimbursement and cost-sharing assistanceBy combining these resources with your Medicare benefits, our experts can help maximize your coverage while minimizing your out-of-pocket expenses. Its about getting every benefit youre entitled to because youve earned it.A Team That Puts You FirstOur experienced and compassionate agents are what make AIS Medicare & More different. Each member of our team is dedicated to helping seniors live healthier, more secure lives. We dont just view ourselves as insurance advisors we are your partners in care, advocates for your health, and a trusted resource for life.When you work with AIS Medicare & More, youre not just another policyholder. You become part of a community that genuinely cares about your well-being. We celebrate your milestones, help you through transitions, and ensure your health coverage evolves with you through every season of life.Why Choose AIS Medicare & More?Heres what sets us apart from other Medicare agencies:Experience you can rely on Serving Colorado seniors since 2008Comprehensive service Medicare education, enrollment, and lifelong supportLocal focus Deep roots in Colorado Springs, Woodland Park, and surrounding communitiesAccessible appointments In-person, at-home, or online to fit your comfort levelOngoing care Annual reviews, claims assistance, and continuous plan managementCommitment to your savings Helping you access every available benefit and programOur clients often tell us that having AIS on their side gives them peace of mind knowing they always have someone to call who will listen, guide, and advocate for them.Your Local Medicare Resource in Southern ColoradoMedicare is not a one-size-fits-all solution. Every individuals needs, medications, and financial circumstances are unique. Whether youre approaching age 65, retiring, or helping a loved one transition to Medicare, AIS Medicare & More is here to simplify the process.From understanding the basics of Original Medicare to exploring Medicare Advantage and Supplement (Medigap) plans, our mission is to provide clarity, transparency, and trusted advice every step of the way.We proudly support the Southern Colorado senior community, offering educational seminars, one-on-one counseling, and outreach programs to help local residents make confident healthcare decisions.Testimonials from the CommunityAIS Medicare & More made Medicare simple to understand. They helped me find a plan that fits my needs and even saved me money on prescriptions. Linda S., Colorado SpringsTheir team checks in every year to make sure my plan still works for me. I love that I can call them anytime instead of waiting on hold with an insurance company. Robert M., Woodland ParkThese stories reflect what we strive for every day real relationships, real results, and real care for the people we serve.Get Started TodayIf youre ready to take control of your Medicare coverage and work with a team that treats you like family, AIS Medicare & More is here for you.Schedule your complimentary Medicare consultation today in office, at home, by phone, or online. Lets review your current coverage, explore your options, and ensure youre getting all the benefits you deserve. Office Location: Serving Colorado Springs, Woodland Park, and Southern ColoradoWere not just your Medicare advisors were your lifelong advocates. At AIS Medicare & More, were on your team.