• Understand that you may need to get approval from the plan before
it will cover certain services or supplies.
• Check your plan’s Star Rating to see how it performs on quality,
customer service and more.
Medicare Can Help
To compare options and fi nd the best coverage to fi t your needs:
• Visit Medicare.gov and conduct side-by-side comparisons of
costs and coverage.
• Call 1-800-MEDICARE. Help is available 24 hours a day, including
weekends.
• Access personalized health insurance counseling in your community
at no cost, available from your State Health Insurance Assistance
Program (SHIP). Visit shiphelp.org or call 1-800-MEDICARE
for locations near you.
Information provided by the U.S. Department of Health & Human Services.
DEADLINE
FOR PLACING CLASSIFIED ADS IS 2PM THURSDAY
FOR PLACING DISPLAY ADS IS 2PM THURSDAY
FOR THE FOLLOWING THURSDAY ISSUE DATE
CALL 631-698-8400
TO PLACE YOUR AD
moneymailer.com
Your Marketing & Advertising Partner
from Print to Web & Social Media.
145 Marcus Blvd. Ste. 2 Hauppauge, NY 11788
516-942-8400 • 631-698-8400
Offi ce Hours: Mon. - Fri. 8:30am - 4:30pm
Pennysaver™ and Town Crier™ are published in 55 zoned editions. All ARTWORK, LAYOUT and DESIGN remains the sole property of All
Island Media, Inc. Reproduction in whole or any part of any advertisement is strictly forbidden. All Island Media, Inc. will not be responsible
for errors in advertising beyond the cost of the space occupied by the error with maximum liability limited to the fi rst ad insertion only.
Subscription rate by mail is $46 per year. All Island Media cannot be held accountable for the origin of content of advertisements published
as well as photos that are supplied to All Island Media by advertisers, as well as any copyright infringements claimed in reference to
these advertisements or photos. Pennysaver™ and Town Crier™ are offi cial newspapers of the Town of Islip, Town of Riverhead, Town of
Southampton and Surrogate Court.
moneymailer.com
Medicare Open Enrollment Open Through Dec. 7
Reviewing your Medicare options could save you money
Family Features
If you’re enrolled in Medicare, it’s important to remember Medicare
Open Enrollment runs from Oct. 15 through Dec. 7 each
year. This is the time for people with Medicare to compare their
prescription drug and health coverage options for the upcoming
year.
NEW THIS YEAR
The new prescription drug law is lowering out-of-pocket costs on
covered prescriptions. New in 2025, all Medicare plans will include
a $2,000 annual cap on what you pay out-of-pocket for prescription
drugs under Medicare Part D. The cap only applies to drugs that are
covered by your plan, so it’s more important than ever to review your
plan options to make sure your drugs are covered. That means you
will not pay more than $2,000 in 2025 on prescription drugs covered
under Medicare prescription drug coverage - that includes expensive
prescription drugs to treat cancer, chronic illnesses and more.
This is in addition to improvements already in effect due to the
prescription drug law including a $35 cap on a month’s supply of
each covered insulin product - and no out-of-pocket costs for recommended
adult vaccines covered under Part D, including the shingles
vaccine.
Also starting in 2025, you can choose to spread your out-ofpocket
drug costs across the calendar year instead of paying all at
once at the pharmacy. It’s called the Medicare Prescription Payment
Plan. You can opt in with your plan in advance of Jan. 1 and throughout
2025.
How to Compare Prescription Drug
and Health Coverage Options
Medicare.gov is the offi cial source for information about Medicare
and Open Enrollment. Start here to get unbiased information to
fi nd the type of coverage that best meets your needs.
Comparing prescription drug and health coverage options
is easy at Medicare.gov. Get started by clicking on “Find Plans.”
Then enter your ZIP code, current prescriptions and favorite pharmacies.
You will see a side-by-side comparison of the total cost for
all the plans in your area, including the premium and how much
you’ll pay for your prescriptions. You’ll also be able to see what
plans cover your prescriptions and whether some plans offer extra
benefi ts. If you are happy with your current choice, you don’t have
to do anything. If you choose a new option for 2025, you can enroll
on Mediare.gov.
Before you enroll in a plan, consider this advice:
• Check if your health care providers are in a plan’s network.
• Check if your prescriptions are included on a plan’s formulary
and if the plan works with your pharmacy.
• Review a plan’s estimated total costs to you, including deductible
and other out-of-pocket costs. Remember low monthly premiums
may not always be the best overall value for your specifi c needs.
• Check if Medicare Advantage plans offer extra benefi ts, like vision,
hearing or dental coverage, if you need these services.
Beautiful. Insulated. Affordable.
New siding and
windows in less
than four weeks.
OVER 30,000 HOMES SERVED
631.257.3639
Financing options available
*Available on KingWall siding, Simonton 9800 triple pane windows
10001916
8 - 307 Wantagh To Advertise call: 631-698-8400 All Island Media - November 7, 2024