Now is the time to carefully review the healthcare paperwork that may be coming your way during the November 15 to December 31, 2009 Medicare Open Enrollment period in which the seniors of Texas and others will be making important decisions about their healthcare services and providers. This is also the time that many employers offer workers the opportunity to make changes to their healthcare plans. As such, everyone should pay very close attention to information being sent to them about all of the available plans and options. As well, people should pay careful attention to new opportunities and plans that may help them save money, but that may not include the services or prescription drugs currently being taken. Make certain that you compare all health and prescription drugs coverage options, and choose what is best for you and your family. One other important distinction is between co-payments for prescription drugs which are oftentimes being replaced with co-insurance arrangements in order to control costs. With a co-payment, you pay a specific amount for a drug depending on the type of medication you take. Co-insurance means you share in a portion of the cost with the insurance company. The bottom line here is for everyone to carefully review your own personal paperwork, talk with your family members and physicians, and make certain you carefully decide what plan works best for you. If you have questions, you should call the Medicare telephone number (1-800-MEDICARE (1-800-633-4227); TTY users should call 1-877-486-2048) or talk with your employer or physician. One other web resource link is via Medicare at http://www.cms.hhs.gov/center/openenrollment.asp .
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