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Open Enrollment

How to Put the Annual Election Period to Work for You

Medicare’s Annual Election Period begins October 15 and lasts until December 7. This period, formerly known as Open Enrollment, is the time when you can join, change or drop a Medicare Advantage or Part D plan for the upcoming calendar year. As a member of Torrance Health IPA, you can choose among eight Medicare Advantage Plans:

  • Aetna Golden Medicare
  • Anthem Blue Cross
  • Blue Shield 65
  • Care1st Health Plan
  • Health Net
  • Humana
  • SCAN
  • United Healthcare Medicare Complete

These plans are offered by private insurance companies that are contracted with the government to deliver your care.

Keep Your Plan or Choose a New One?

Your choice of Medicare Advantage Plans should be based on your individual medical needs and personal preferences. Here are some important things to compare:

Expenses

How much are your premiums, deductibles or co-pays for doctor visits? What about hospital stays?

Your Treatments

What are your routine medical treatments?

Prescription Drug Costs

Does the plan cover prescription drugs? What will your prescription drugs cost under the plan?

Travel Coverage

All Medicare Advantage HMO plans cover you for emergency treatment out of the area. However, some have dollar limits when traveling out of the USA.

“Maximum Out-of-Pocket” Limit

All HMO’s must include a yearly “Maximum Out-of-Pocket” limit or MOOP. This is the maximum amount that you would pay for medical costs in the calendar year. What is yours?

Watch Your Mailbox

Your Medicare Advantage health plan will send a big packet of information to your home around Open Enrollment. Pay close attention to the “Annual Notification of Change” letter that outlines how some of your benefits will have changed from the current year to the next year. You may find an increase in co-pays for many services, including prescription drug costs.

How to Compare Plans

Go to www. medicare.gov and compare Medicare Advantage plans. If you prefer a one-on-one with a Torrance-based independent health insurance agent, contact THIPA at 310-257-7239 ( Mon. - Fri., 8:30 am - 4:30 pm) and we will connect you with experienced agents who specialize in helping seniors select the plan that’s best for them.

If you’re satisfied with your current benefits and prescription drug coverage under your existing Medicare Advantage Plan and/or stand-alone Medicare drug plan, then do nothing. You will continue with your existing plan in the new year.

If You Change Plans

If you would like to switch your Medicare Advantage Plan, then you’ll need the Torrance Health IPA physician code for your existing primary care physician. You can get it by calling Torrance Health IPA Member Services Toll-Free at 1-866-568-4472 ( Mon. - Fri., 8:30 am - 4:30 pm).

Once you choose your plan, you can use your Torrance Health IPA physician code to sign up by calling the plan at the contact number. When you sign up for a new Medicare Advantage Plan you will be automatically dis-enrolled from your old plan and your new plan will begin on January 1, of the following year.

If you choose a new Medicare Advantage Plan, confirm that the medical group listed on your new Medical Insurance ID card is Torrance Health IPA (THIPA). This is the only way you can continue to see your primary care physician and specialists as well as take advantage of all of the valuable programs and services Torrance Health IPA offers its Medicare Advantage members.

Join Us For Members Our Doctors Health Resources About Admin Members: 866-568-4472 (TTY Users: 711)
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