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Open Enrollment for Marketplace and Medicare Plans

October 7, 2017

Each year, open enrollment periods provide time to review your options and make sure you’re enrolled in the health insurance plan that offers the best coverage for services and medications at the lowest possible cost. Even if you like your current plan, costs and coverage may change in the coming next year. Read more about health insurance and Medicare or contact an MS Navigator at 1-800-344-4867 (regular business hours) or online
 
The dates for Marketplace open enrollment have changed  
 
Marketplace plans are available for anyone who is not eligible for health insurance from other sources (such as Medicare, Medicaid or employer-based coverage). To enroll in coverage that takes effect on January 1, 2018, you must enroll between November 1 and December 15, 2017. During this open enrollment time, you can:
  • Enroll in a Marketplace plan for the first time
  • Re-enroll in a Marketplace plan. Current enrollees MUST re-enroll every year, or select and enroll in a new plan. If current enrollees do nothing, MOST will be automatically re-enrolled in the same plan.
  • Switch to a different Marketplace plan. If you switch to a new health plan that does not cover your current medications, treatments or doctor, ask for an exception to maintain temporary coverage of them to avoid interruptions in care.   
Decisions should be based on the current law and plans currently available; change can take time.
 
You MUST enroll through Healthcare.gov to receive or maintain a premium tax credit. Check your eligibility for a premium subsidy and more at healthcare.gov , or call 800-318-2596.
 
Read more about the Marketplace or contact an MS Navigator at 1-800-344-4867 (regular business hours) or online.
 
Medicare Part D and Medicare Advantage open enrollment is October 15 to December 7 for coverage that begins January 1, 2018
 
During this open enrollment time, you can:
  • Enroll in a Part D (prescription drug coverage) or Advantage plan for the first time
  • Switch to a different Part D plan
  • Switch from a Medicare Advantage plan to original Medicare
Check your eligibility for a low-income subsidy, Medicare Savings Program or Special Enrollment periods.

Read more about Medicare or contact an MS Navigator at 1-800-344-4867 (regular business hours) or online.

Insured by an Employer Plan
 
If you or your loved ones rely on an employer’s health insurance plan, make sure you know the dates of your open enrollment period. Seek to understand all the details about your plan’s prescription medication coverage, whether your doctor and other providers are in the network, and costs to you including annual deductible, copays and co-insurance.  Contact your benefits administrator or human resources department for help.

About Multiple Sclerosis

Multiple sclerosis is an unpredictable, often disabling disease of the central nervous system that disrupts the flow of information within the brain, and between the brain and body. Symptoms range from numbness and tingling to blindness and paralysis. The progress, severity and specific symptoms of MS in any one person cannot yet be predicted, but advances in research and treatment are leading to better understanding and moving us closer to a world free of MS. Most people with MS are diagnosed between the ages of 20 and 50, with at least two to three times more women than men being diagnosed with the disease. MS affects more than 2.3 million people worldwide.

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