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949​-858-7200

200 Spectrum Center Drive #150

Irvine, CA 92618

info@CotoFinancial.com

Coto Financial & Insurance Services is a comprehensive professional services company providing a variety of financial solutions to individuals, business owners, and corporations.  

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2018 © Coto Financial and Insurance Services, Inc. © 2018

Coto Financial & Insurance Solutions, Inc. and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Coto Financial & Insurance Solutions, Inc. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser.

 

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

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Important Medicare Dates to Mark on Your Calendar

October 10, 2017

 

 

Once you sign up for Medicare at age 65, you aren’t locked into a particular program for life. Each year during the Annual Election Period, which functions like an open enrollment, you can evaluate your current plan(s) and make changes that benefit you.

 

That’s good news, regarding your healthcare needs and budget, but because Medicare can be a bit confusing, it’s important to remember these important dates so that you don’t overlook anything.

 

October 15 to December 7. This is the Annual Election Period. You can add a Medicare plan, drop a plan, or make other changes to your coverage at this time.

 

As the Annual Election Period approaches, gather the previous year’s medical bills to evaluate your out-of-pocket spending. You might also receive a notice in the mail, regarding changes to your current plan’s coverage. Also speak with your doctor about the need for upcoming screenings, treatments, or medication changes. All of these factors come together to determine your coverage needs.

 

If you decide that you like your current plan(s), you don’t have to do anything during this time. You will be automatically re-enrolled.

 

January 1. This is the date on which your new plan(s) will begin. Keep in mind that if your coverage is changing, you might need to schedule certain procedures before January 1. On the other hand, it might make sense to wait until after the change. Talk to your doctor.

 

January 1 to February 14. If you change your mind about your Medicare Advantage plan, you can drop it between these dates and return to original Medicare. However, you cannot switch to another Advantage plan.

 

If you return to original Medicare, you can also add a Part D plan at this time.

 

January 1 to March 31. If you forgot to enroll in Medicare when you turned 65, you can do so at this time. Remember that you will be charged a late penalty for missing the original deadline.

 

If you have questions about any of these dates, or need help sorting through your options, remember that you can call us for assistance.


 

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