HMO

Anyone who is 65 years or older is most likely receiving notices about changing their Medicare plan by postal mail, e-mail or through a variety of other media. Medicare open enrollment period is from October 15 to December 7 and anyone enrolled in either traditional Medicare or a Medicare Advantage plan can switch coverage. New coverage would begin on January 1, 2020.

It is important to understand the history of the Medicare Advantage program. In 2003 President Bush signed into law changes to the Medicare program that included the creation of Part D Medicare which turned out to be a financial bonus for American pharmaceutical manufacturers.