While dual plans can coordinate benefits and offer extras, experts cautioned beneficiaries to scrutinize the details.
Rachel Gershon, senior attorney for the advocacy group Justice in Aging, explained a key consideration.
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"If you enroll in a Medicare Advantage plan, including a D-SNP, you may be offered some supplemental benefits, such as dental, vision, and other benefits," Gershon pointed out. "However, going into that plan may mean that you have a narrower network, so your provider might not be available to you anymore."
She noted that it may mean some benefits are subject to prior authorization, which may delay your care. So, in all, she said, be sure to weigh your options. The enrollment period runs from tomorrow through Dec. 7. According to federal data, Florida has one of the largest populations of people eligible for dual plans in the nation.
Marian Cabanillas, Community and State CEO for UnitedHealthcare, said the plans are specifically designed to provide more support by combining coverage for those who qualify.
"It's for those who have both dually," Cabanillas underscored. "They have both Medicare and Medicaid, and so they tend to be individuals who may need additional help due to income, disability, or health needs."
Floridians can get free, unbiased help comparing plans through the state's SHINE program at floridashine.org or by calling 1-800-96-ELDER. This week, SHINE is also starting virtual Medicare classes.
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