6. PRIOR AUTHORIZATION Understand your plan’s prior authorization requirements. Some medical services may require pre-approval, and failing to obtain it could result in higher out-of-pocket costs. 7. CHRONIC DISEASE MANAGEMENT If you have a chronic condition, consider enrolling in a Chronic Care Management program offered by some Medicare Advantage plans. These programs provide additional support and coordination of care, potentially reducing costs associated with your condition 8. UTILIZE PREVENTIVE SCREENINGS Regular screenings and check-ups can detect health issues early, potentially preventing costly treatments down the line. Keep up with your recommended screenings and preventive care. 9. HOME HEALTH SERVICES Medicare may cover home health services if you meet specific criteria. This can be a cost-effective alternative to inpatient care or skilled nursing facilities. 10. MEDICARE SAVINGS PROGRAMS If you have limited income and resources, you may qualify for Medicare Savings Programs (MSPs), which can help cover your Medicare premiums and other out-of-pocket costs. 11. ASSISTANCE PROGRAMS Explore available assistance programs and nonprofit organizations that provide financial assistance for healthcare expenses, such as prescription drugs and medical supplies. 12. CHECK BILLS AND EXPLANATIONS OF BENEFITS (EOBS) Review your medical bills and EOBs carefully to ensure that you’re not overcharged or billed for services that weren’t provided. Question any discrepancies with your healthcare provider or insurance company. 13. TELEHEALTH SERVICES Many Medicare Advantage plans offer telehealth services, which can be a convenient and cost-effective way to access healthcare, especially for non-emergency issues. 14. SEEK ASSISTANCE Consult with a Medicare advisor or a local State Health Insurance Assistance Program (SHIP) for personalized guidance on managing your Medicare costs and minimizing out-of- pocket expenses.
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