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Medicare 2025: Key Changes & Insights
Manage episode 444253527 series 3418897
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On this week’s episode of THE FINANCIAL COMMUTE, host Chris Galeski welcomes Brian McArthur, President of Design My Medicare to discuss upcoming changes to Medicare.
Here are some key takeaways from their discussion:
- Starting in 2025, Medicare Part D will see significant changes, including a $2,000 annual out-of-pocket cap on drug costs, aiming to provide relief for beneficiaries with high prescription costs.
- Insulin users will benefit from a $35 monthly cap, which began in 2023, and this will continue under the new changes to reduce financial burdens on those with diabetes.
- The confusing coverage gap in Part D, known as the "donut hole," is being eliminated, simplifying the cost structure for enrollees.
- Adjustments to how premium subsidies are calculated mean that those with lower incomes might qualify for more assistance in paying their Part D premiums.
- Pharmaceutical companies will now cover a portion of costs in the catastrophic phase, which previously required the federal government and beneficiaries to bear the bulk of these expenses.
- Those enrolled in Medicare or planning to enroll should review their options during the annual election period, as the changes may significantly alter their cost-sharing responsibilities.
- Chris and Brian recommend listeners to consult with a Medicare advisor to navigate these changes and select the most appropriate plan for individual health and financial needs.
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