Dec. 7, tomorrow, marks the end of Medicaid’s Annual Enrollment Period for 2018, and Jan. 1 will be the beginning of your health-care plan.

You will have decided to simply do nothing and let your existing plan renew ... or you have thought about any changes in your health or prescriptions and you’ve looked at your options and changed to a plan that you believe will handle your health-care needs for 2019.

Further, you may have begun the process for your application for Medicaid or Extra Help. Remember that if you enroll in a Medicare Advantage plan—if you become eligible—you will have a Special Enrollment Period (SEP) and you can change to a Dual Special Needs Plan (DSNP) once every quarter during the year.

It doesn’t matter what plan your spouse or your friend or your neighbor has. Make your Medicare decisions based on your needs and preferences.

It has been my privilege to provide these Medicare snippets during the past weeks of Annual Enrollment Period. I hope they have been useful in helping direct you along the puzzling path that is Medicare.

And if I have helped you from my perch at Walmart, thank you for the opportunity and know that I am available all during the year to assist you with any questions or problems that you may have.

Remember that Dec. 7 is the last day of Annual Enrollment Period for 2019 Medicare plans changes. I will be available to assist you in any way at Arcadia’s Walmart through tomorrow, or you can call me.

Charlotte Nymark is a licensed insurance agent not connected with the federal Medicare Program. 863-473-2460,


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