Choosing health insurance coverage for chronic illnesses
If you have a chronic illness, you might be tempted to sign up for a Medicare Advantage plan during open enrollment, which runs from October 15 to December 7. Many plans offer additional health benefits, such as transportation to medical appointments. , nutritional counseling and home support services.
A quarter of Medicare Advantage plans offer additional benefits to people with chronic illnesses, up from 19% in 2021, according to the Centers for Medicare and Medicaid Services (CMS). In addition, the number of special needs plans (SNPs), which provide benefits to people enrolled in Medicare Advantage with specific chronic conditions, is growing.
While the new benefits are appealing, it’s important to understand a plan’s overall coverage before purchasing. You will want to make sure that you can see doctors who have expertise in your condition and that you can go to the hospital of your choice. Original Medicare offers this flexibility.
âPeople with serious illnesses may approach their health care differently from people who are ‘generally healthy,’ says Tricia Neuman, executive director of the Kaiser Family Foundation’s Medicare Policy Program. “They begin to establish a relationship with a specialist and seek treatment in places that specialize in the type of disease they are suffering from.”