The Drug Benefit Rollout--What Happens Next - from Suddenly Senior

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The Drug Benefit Rollout--What Happens Next

By Barry

AARP Bulletin

June 2005

It's not so long until Jan. 1, 2006--the date when Medicare prescription

drug coverage becomes available to all beneficiaries who want it. Nearly

everyone on Medicare will need to make decisions about the new benefit in

the coming months, so you can expect to receive a lot of information before

enrollment begins in November.

In the fall, you'll hear from the federal agency that runs Medicare and from

the private plans that will offer drug coverage in your area. AARP

publications will provide detailed guidance on how the system works and how

to navigate it. To learn more about the extra help for people with limited

incomes, see our May 2005 article " Do You Qualify for Extra Help in Paying

for Prescription Drugs? "

Here are key dates in the rollout of the benefit:

Now-August 2005

The Social Security Administration mails out applications to beneficiaries

on limited incomes who may be eligible for special low-cost coverage. You

can apply by mail, by phone at (800) 772-1213, at local SSA or Medicaid

offices, or from early July online at www.socialsecurity.gov. From July

onward, SSA lets you know if you qualify.

June 2005

If you also receive Medicaid benefits or SSI or your Medicare premiums are

paid by your state, Medicare informs you that you're automatically eligible

for this extra help without having to apply.

Summer 2005-Fall 2005

If you have retiree health benefits, you may hear from your former employer

or union about future drug coverage.

Late September 2005-Early November 2005

If you have a medigap policy that covers drugs (plans H, I or J), you hear

from the insurer about your options.

October 2005

All beneficiaries receive the " Medicare & You 2006 " handbook, with

information on the drug benefit. From October 13, you can compare details of

coverage options available in your area by going to www.medicare.gov or

calling (800) 633-4227.

Nov. 15, 2005

First open enrollment period for drug coverage begins. Enrolling is

voluntary, but doing so after May 15, 2006, may incur late penalties in the

form of higher premiums. Everyone--including those eligible for

limited-income assistance--must enroll in a Medicare drug plan to get

coverage.

Dec. 31, 2005

Temporary Medicare drug discount card program ends. You can use your card

until May 15, 2006, or until you sign up for Medicare drug coverage

(whichever is sooner).

Jan. 1, 2006

Drug coverage begins. Beneficiaries who previously got their drugs from

Medicaid now get them from Medicare.

May 15, 2006

First open enrollment period ends.

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