If your doctor visit copays are too high, compare the costs and benefits of other plans in your area. Take the next step to potentially lower your doctor copays For instance, if you move out of your current plan’s service area, you will be able to switch plans the month before you move through two months after you move. Special Enrollment Period (SEP): You may qualify for an SEP if you experience certain changes in your life.Medicare Advantage Open Enrollment Period: From January 1 through March 31, you can make one change to your Medicare coverage and switch from one plan to another (or even revert back to Original Medicare.).If you choose to enroll in a new plan, your coverage will take effect on January 1. Annual Election Period (AEP): From October 15 through December 7, you can make changes to your Medicare coverage.You may be able to switch to a different Medicare Advantage plan during the following enrollment periods: When can you switch Medicare plans to get lower doctor copays? If you are not eligible for Medicaid and enroll in a Special Needs Plan due to specific care needs, your copay costs may depend on the plan you enroll in. Special Needs Plans (SNPs): If you have a Dual-eligible Special Needs Plan (D-SNP) because you qualify for both Medicare and Medicaid, your copays may be completely covered while seeing providers within the plan’s network. If you choose to go outside the network for care, you may be responsible for 100% of the expenses incurred. You’ll have a fixed doctor copay amount to pay at the time of service, and some plans may charge higher copays to see a specialist or get urgent care. Many HMOs require you to visit your primary care physician to get a referral to a specialist. Health Maintenance Organizations: If you enroll in an HMO, you may have to visit doctors and specialists within your plan’s network of providers. Let’s take a look at how doctor copays may differ among these plans. Some of the most popular Medicare Advantage plans include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Special Needs Plans. The type of MA plan you choose may affect your copays
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