By My Medicare Matters® Team | 1.3.2019
Medicare changes every year. Some of the changes like the
expansion of the diabetes prevention program are narrow and impact a subset of
Medicare beneficiaries, while other changes like the addition of the Medicare
Advantage Open Enrollment Period impact a larger group of Medicare
beneficiaries. Regardless of how big or small the changes are, as a Medicare
beneficiary it’s important to stay up-to-date. Here’s what you should expect in
2019.
Increased Medicare costs
There will be various increases across the board for Medicare Parts A and B,
including a 3 – 4% increase in Part A premiums, a 2% increase in the Part A
deductible and copayments, and a 1% increase in Part B’s deductible and
premium.
New Enrollment Periods
2019 will mark the return of a Medicare Advantage Open
Enrollment Period (MA OEP), which provides additional opportunities to change
your Medicare Advantage plan outside the Annual Election/Open Enrollment Period
(October 15 – December 7). The annual MA OEP, which runs from January 1 – March
31 allows anyone enrolled in a Medicare Advantage plan on January 1 the
opportunity to change plans.
There is also an individualized Medicare Advantage Open
Enrollment Period that’s limited to new Medicare beneficiaries with both
Medicare Parts A and B. These individuals have a three-month MA OEP to switch
plans. Both the individual and the annual Medicare Advantage Open Enrollment
Period allow Medicare beneficiaries already enrolled in a Medicare Advantage
plan a one-time election or opportunity to either:
- Switch to a different MA plan, OR
- Switch
from a Medicare Advantage plan to Original Medicare and a standalone Part
D plan.
Medicare also added and made changes to several other special
enrollment periods that you can learn more about in our Medicare Advantage:
Special Enrollment Periods fact sheet.
Enhanced Medicare Advantage Benefits
Medicare’s 2018 Open Enrollment Period marked the beginning of
ongoing changes to Medicare Advantage (MA) plans that include additional
supplemental benefits designed to diagnose, treat, or prevent health
conditions. In the past, MA supplemental benefits were required to be
“primarily health related” and typically related to dental, hearing, or vision
benefits. Now benefits can range from transportation services, meals
deliveries, or even home and bathroom safety devices. These are just a few of
the services that were included with plans during the Open Enrollment Period.
Expect for more MA plans to be offering these services and more in 2019 and
beyond.
Opioid prescription limitations
More than 17% of Americans had at least one opioid
prescription filled in 2017, and it’s estimated that about 25% of them misused
the medication. The opioid epidemic is impacting millions of lives every year,
so preventive measures are being put in place on all fronts to reduce the
impact. Medicare has joined the fight and created three new provisions that
help identify and reduce the risk of older adults abusing opioids.
- Opioid prescription limitations
and checks for all Part D enrollees –
This requires Part D sponsors to limit initial opioid prescription fills
for the treatment of acute pain to no more than a 7-day supply. Part D
sponsors must also implement a flag at 90 MME (morphine milligram
equivalent) per day, so when a beneficiary reaches that limit, the
pharmacist must consult with the prescriber, document the discussion, and
if the prescriber confirms intent, use an override code that specifically
states that the prescriber has been consulted.
- Limitations on Part D enrollees
considered “at risk” for prescription drug abuse –
Part D plan sponsors must establish a drug management program for
beneficiaries deemed at risk for prescription drug abuse. “At-risk
beneficiaries” are identified as those who take a specific dosage of
opioids and/or obtain them from multiple prescribers and multiple
pharmacies. Plans may utilize a “lock in” provision to limit at-risk
beneficiaries’ access to coverage of frequently abused drugs to a selected
prescriber(s) and/pharmacy(ies) after case management with the prescribers
and beneficiaries.
- Limitation
of the Part D Special Enrollment Period for LIS and dual eligibles –
This rule changes the Special Enrollment Period (SEP) for dual eligibles
and Part D Low Income Subsidy (LIS) beneficiaries from monthly to
quarterly during the first nine months of the year.
Part B step therapy
Medicare Advantage plans now have the option of applying step
therapy for physician-administered and other Part B drugs. Medicare Part B’s
step therapy requires enrollees to try one or more similar, lower-cost drugs to
treat their condition before the plan covers a higher-priced medication. Plans
requiring step therapy must offer drug management care coordination programs.
Incentives such as gift cards may be offered to encourage participation in
beneficiary engagement programs.
All of these changes took effect January 1. NCOA’s My Medicare Matters® will have several
blog posts in the new year expanding on most of these topics.
https://www.ncoa.org/blog/whats-new-for-medicare-in-2019/?utm_source=newsletter&utm_medium=email&utm_campaign=01082019_NCOAWeek
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