Medicare / Your Medicare Advisor

AMAC’s Medicare Tip of The Week: Changes to Medicare in 2023

As the Medicare Annual Enrollment Period approaches, you may be wondering what changes will be made to Medicare for 2023. Luckily, AMAC is here to keep you updated and informed on these changes as they are announced!

For help with Medicare plans – or any questions you may have about Medicare – contact AMAC’s Medicare Advisory Service at 1-855-696-7535. Or visit us at our website.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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NSgt Bill Stengle(USAF, Ret)
3 months ago

To those who are retired military 65 and over with traditional Medicare A/B and TRICARE FOR LIFE it is not necessary to have many of the touted Medicare plans as you essentially have full coverage. Many peers were unaware of this. Worth checking out.

Editor
Sabrinah Cave
2 months ago

Hello NSgt Bill Stengle,

Thank you very much for your service! You are correct; If you have Tricare for Life and Original Medicare, additional coverage through a Medicare Advantage plan or Medicare Supplement plan is not necessary. Often times, these plans will not be as robust as your coverage under Tricare for Life. However, some people may opt for a separate dental policy if their needs are beyond what their dental policy covers.

If you find yourself in need of dental coverage, feel free to give AMAC’s dental department a call at 888-962-4545.

Marketmutt
2 months ago

I signed with the no cost Humana Honor plan because it offers a cash back on Medicare premium and has vey basic dental coverage. My Tricare for Life still applies.

Bob Cell
2 months ago
Reply to  Marketmutt

You might find getting medications through tricare Express Scripts is not the same as when you have traditional Medicare and Tricare for life. I made the same choice as you and found out the hard way that my 4,000 prescription was not covered by my advantage plan. I would check it out.

Editor
Sabrinah Cave
2 months ago
Reply to  Bob Cell

Hello Bob,

That is a great point! If you have both Tricare and a Medicare Advantage Plan, be sure you know what is covered under the Advantage plan because if you do use it for hospital care, medical services, or prescription drugs you may wind up paying a lot more than you would if you had used your Tricare benefits.

Editor
Sabrinah Cave
2 months ago
Reply to  Marketmutt

Hello Marketmutt,

Although it is optional, some people have found it beneficial to enroll in a Medicare Advantage plan in addition to Tricare like you have. The Part B giveback and dental coverage are two of the most popular features that make an Advantage plan appealing.

Keep in mind that with a Medicare Advantage plan your copay for hospital care, medical services and prescriptions may be much higher than with your Tricare benefits- so when your provider asks for your insurance card, be sure to use the coverage that will benefit you the most (which is usually Tricare).

Jeanne
2 months ago

We did check it out sometime ago and found what you say to be true. Tricare for Life also confirmed that for most military retirees, there is almost no difference in coverage. We have been extremely grateful for our coverage. We will not change.

Editor
Sabrinah Cave
2 months ago
Reply to  Jeanne

Hello Jeanne,

Thank you for your input! I agree, Tricare is very robust coverage so I would not recommend replacing it with anything else.

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