Author Archives: Daisy Murphy

What does Annual Disenrollment mean to the beneficiary?

What does 2019 Annual Disenrollment mean to the beneficiary?

Even if the Open Enrollment period has just completed, it does not mean that the person is out of time. Those who desire to leave behind their Part D or Medicare Advantage plans can avail Annual Disenrollment period. A popular joke in the industry is that beneficiaries can break up with the existing plans until Valentine’s Day. Availing the best Medicare Supplement plans should be the objective of each and every person eligible for Medicare plans.

About the Enrollment period

It is quite natural for people to get confused as their Open Enrollment period ends. Beneficiaries are provided with an opportunity by the Disenrollment period to leave Part D and/or C completely. On the other hand, beneficiaries can get access to switch carriers and plans annually with Open Enrollment period. During this period, they can also get to leave, especially through 1st January to 14th February, they can part with Part D or Part C and avail their choice of Medicare Supplement plans.

Scenarios to switch plans and carrier

Three scenarios are present that allows the person to switch, which is given below:

  • The 1st is meant for those having Advantage plan with drug plan .they can wing up Part D plan with Original Medicare or go for stand-alone.
  • The 2nd scenario is meant for those owning private free for service plans not including prescription coverage. Such people cannot purchase Part D till next October, but can revert back to traditional Medicare.
  • The 3rd scenario is that the person owns Part D policy and similar to the scenario above, is not provided the opportunity to switch plans/carriers until next year. If desired, they can leave Part D.

Bottom-line, it is very much possible for people to dis-enroll themselves from Part D and C and to revert back to traditional Medicare and Medicare Supplement plans.

What after disenrollment?

After disenrollment, the person can stick to his/her basic original Medicare or smartly purchase the best Medicare Supplement plans that fit needs and health requirements. Prior to disenrollment, it will  be wise to first check out if the person medically qualifies for the Medicare Supplement plans or not. This should be the basis of their decision to go ahead or be happy with what they have in hand! Discussing with the registered agent can help the person to know if he qualifies for the supplement plans or not.

Medicare Supplement Plans hears your grievances, file a complaint

Filing a complaint on Medicare supplement plans is possible in case you find the quality of services or care you are receiving or is given to your loved one has concerns. If you wish to raise concerns, you need to file a complaint on the Medicare provider, but this depends on your complaint type.


Filing a complaint on Medicare supplement plans provider may include:

  • A hospital, a doctor or provider
  • Quality of care
  • Durable medical equipment
  • Kidney transplant care or dialysis
  • Drug or health plan


Difference between an appeal and a complaint

A complaint refers to the quality of care you are receiving or you received. For instance, you can file a complaint in case you have issue in calling the plan or even in case you are not happy with the staff person the way you were treated. Nevertheless, in case there is an issue to cover a supply, service or prescription, you may also file for an appeal.


The complaints regarding quality of care can include:


  • Drug errors complaints
  • Inappropriate or unnecessary surgery complaints
  • Inappropriate or unnecessary treatment complaints
  • Receiving treatment after change of condition complaint
  • Health or drug plan complaint
  • Customer service complaint
  • Access to specialists complaint
  • Getting discharged too soon complaint
  • Incomplete instructions on discharge complaint
  • Unsafe conditions or improper care complaint
  • Hospital conditions complaint
  • About doctor complaint
  • Home health agencies complaint
  • Kidney care complaints


You can follow the instruction and submit a complaint as per your plan membership about your 2019 medicare advantage plans regarding your Medicare health or drug issues.  Enroll at


Filing a complaint is possible even if you wish to complain about Part D the plans of Medicare prescription drug. However, to complain, here are few things to follow:

  • There is a need that you file from the event date within 60 days as complaint.
  • Complaint can be done by giving your complaint in writing or even over the phone.
  • Generally, there is a rule to be notified of this decision in a period time of 30 days as the plan receives complaint.
  • In case it relates to a refusal of the plan, for determination or redetermination as fast coverage that you have not received the drug or have not purchased the drug, the plan must provide a decision within a time frame of 24 hours on receiving the complaint.

Start Your Financial Retirement Planning Now

With the economic situation, retirement may seem impossible. However, if you are concerned about the financial security of your retirement, you have to be serious about financial retirement planning. Financial retirement planning is the first step to ensure that the lifestyle you’re dreaming of at retirement will have a better chance of becoming a reality.

No matter your age, it’s never too early to think about financial retirement planning and start a retirement savings plan. However, the earlier you begin the better off you will be. Probabilities are you will have a larger years of retirement if you start saving at 30 years of age instead of 60. With years of your investment will have a better chance of recovering from any drops along the way. The longer your money is invested the better your chance of securing your future. Planning for your retirement needs, you’ll figure what you need to do in order to secure your future and be in a better position to deal with most issues that may otherwise confuse you and do damage to you financially.

The first factor for retirement savings plan will be where your investment money will go and for how long. As a basic strategy, you should invest some of your money in short-term investments, medium-term investments and long-term investments. The type of investment usually is determined by your time schedule. Generally, the more time you have before having to sell off the investment for cash, the riskier the investment.

If your time prospect is above five years, which would be considered long-term investments, you can choose investments that appreciate over time. Stocks and real estate are good long-term investments plan if you have many years left before retirement.  With the time difference, one can no longer take the advice for retirement planning of an investment adviser as a joke when it comes to financial retirement planning. You need to educate yourself and take charge of your money. Find lower medicare rates and get online quote today

If you find planning for your retirement needs an overwhelming idea, there are many retirement planning ways you can turn to for help. These tools include well-written books that can explain the difference between things like bonds and stock, etc. There are some individual seminars that you can take to help you craft your retirement investment plan to reach the goals you set for your retirement.