How to Review Your Plan for Medicare Open Enrollment

Samuel Carleton:

Sam Carleton, I am the Vermont State Health Insurance Assistance Program Director and I’m also the resource Navigator director at Age Well and we are here this evening to talk to you about Medicare Open Enrollment 2024 for the 2025 plan year. So with me this evening from Age Well is Caitlin Morrison. For those attending, if you do have questions, please go ahead and put them in the Q&A box at the bottom of your screen and you do get to that by hovering over. So the icon pops up, but there’s a Q&A one and just put your questions there. Immediately following this presentation there will be a survey option, so please do complete that as that does help us with our presentations moving forward.

So Medicare Open Enrollment can be a confusing time to understand all the options that are available and what’s the best choice for you. So we are going to do the best to answer all of your questions as they pop up. We will provide resources to contact us and connect with Age Well. This presentation, as Stephanie just mentioned, is being recorded and EastRise will be sending out a copy of the PowerPoint to you as well. So yeah, without further ado, thank you to EastRise for having us. Here is our State Health Insurance Assistance Program Coordinator, Sharon O’Neill, to go over Open Enrollment.

Sharon O’Neill:

Good evening. Thank you for joining us and we will do our best to give you information so that you could choose the best plan going forward into 2025. So here at Age Well, our vision is to support you as you move forward in your healthy aging, to be independent with making the choices that you would like to make as you go forward. Our program here is one of several programs for Age Well and the most popular usually is the Meals on Wheels program, but there are other programs like our Senior Helpline, all our referrals go to the Senior Helpline and then they determine what department is best able to help you and then they will send that along and we will get your referral and usually we’re calling you in the order that your call was received. So bear with us. There is only two full-time staff, Caitlyn Morrison-Gillis, who is with us here today is my coworker.

She and I answer all the calls for the State Health Insurance program except for during the Medicare Open Enrollment period. We bring on some wonderful volunteers who have come to us several years in a row and they help with the comparisons as well as ourselves. So Sam is our Director and our Direct Leader, and so he gives us those referrals every day to make those callbacks. So if you call, please leave extra information, an email address, a second telephone number. Those things are always helpful for us to reach you as quick as we can, but we will always try to reach you, so give the best information and just be patient. If you are looking for help during the Open Enrollment period, it’s better to call sooner because there is a point where we might have to stop taking calls so that we can finish the folks that have already called us.

So the State Health Insurance and Assistance Program is SHIP that is the name of our program here at Age Well. Every council on aging in the State of Vermont has a similar program and we’re here to help Medicare beneficiaries navigate the different programs and the federal government rules and regulations of Medicare. We do our counseling over the phone except for when we’re in the community doing a community presentation. We have gone to different places with UVM Medical Center, different groups there. We just went to Wake Robin and did a live presentation about Open Enrollment. We were at another senior center earlier and did the same thing there. We worked very closely with the federal government, the State of Vermont so that we can help you transition from one program to another. And so we have connections. Sam receives information directly from Medicare and passes that along. We do a lot of training with Medicare groups so that we can stay up to date on the newest rules with Medicare.

So the Senior Helpline, the 1-800 number here is on this screen, so if you need to be referred or would like to talk to us, you can call the Senior Helpline and they will take your name and your address and that sort of thing when you were new to Medicare, et cetera, and what you’re looking and then they’ll pass that along to us. When you first start your Medicare and you sign up for Medicare A and/or B, you’re going to get a Medicare card. It looks similar to the one that we have here on this screen and it is a random number given directly to you. No two people have the same Medicare number and then it’s going to tell you when you signed up for your Medicare Part A and when you signed up for the Part B. Sometimes, those dates are going to be the same if you get Medicare Part A and B at the same time and some folks who continue to work past 65 will get a different date for the Medicare Part B.

That’s really important when you call us to have that information because we’re going to use that to help you to choose and look at different plans. On the right side of the screen is a Medicare Advantage Plan card, so you might have a Medicare card and an Advantage Plan card or a card from what we call a standalone Drug Plan. Medicare Advantage Plans include Medicare Part A and B, So you have to have A and B to sign up for an Advantage Plan and most of the time they include drug coverage and if you see on this sample it says, “MedicareRx,” in the highlighted box, that lets us know that there is drug coverage included with this Advantage Plan. So it’s helpful if you take a look at your card to see if it does have MedicareRx. The information that’s in that box is used by your local pharmacy where you get your medications to build this plan.

So the name of this plan example is Medicare Advantage from UnitedHealthcare or AARP and then it gets some numbers like your member ID number would be the number that you would give if you were to call this plan. And then it gives the copays and some of the other information. There’s a number in the lower left-hand box on this card that starts with an H that identifies this plan. So we can look in your Medicare & You Handbook to see how much this plan would cost you. If we’re looking in the 2024 book, it would tell you what the cost was for 2024, and now most of you probably have a Medicare & You 2025 book and in the back of that book are all the Advantage Plans and standalone Drug Plans for 2025. So we’re going to talk about what you need to do during this time of year to compare Drug Plans that you’ve had in 2024 and if you’re going to transition with that same plan or you’re going to move forward with a new plan for 2025.

So we always, when we’re counseling folks, we have you write these dates on your calendar or put them in your phone October 15th to December 7th. Each year is the annual Open Enrollment period. This is the time of year where everyone who is in Medicare should review their coverage. This is coverage for a Medicare Drug Plan and a Medicare Advantage Plan. This period of time does not generally include Medicare supplemental or Medigap plans as they have a different enrollment period. So every year, no matter if you like the current plan that you’re in or you don’t, it’s a good idea to understand the things that you need to look for going into the next year. If you stay in the same plan and that plan has changes, then you’re going to have to assume those changes come January of the next year. So we’re talking about January 1st, 2025.

So you could change your drug coverage or your Advantage Plan during this period of time, October 15th to December 7th. We use the Medicare website, medicare.gov, to do those comparisons. You can also call 1-800 Medicare and they will also help you with a comparison. And if you don’t complete that changeover, if you do choose a no plan, then you will automatically continue to be enrolled in the plan that you’re already in unless that plan is going away. So you’re going to make the change during this period of time and then that new plan or you’ll assume the new costs of the current plan starting in January.

So this is an example of a standalone Part D plan. It has similar information like the Advantage Plan, so at the top it tells you the name of the plan, the company is Cigna. And the Medicare Part D prescription drug Coverage Plan ID is highlighted here for you. It’s in the lower right-hand corner. This number starts with an S. that tells us it’s a standalone, so it’s by itself, it’s not included with an Advantage Plan. It also says that MedicareRx, that tells us that it is a Drug Plan and the billing information that’s highlighted in green again is the information that the pharmacy needs to bill Cigna for the medications that you’re picking up at the pharmacy. You see your name and a specific ID number. Again, that’s the number that you would give to the plan if you were to call them on your own.

This plan works directly with what we call original or traditional Medicare. That’s Medicare Part A and B, this Drug Plan by itself. And then a lot of folks will add a Medigap plan to this coverage. You’re going to pay a monthly premium for having just this Drug Plan. Those premiums change every year. You could have a deductible. Sometimes, that deductible is the average deductible for the year, and sometimes, it’s a lower amount. Some plans have a zero deductible. That’s going to be important depending on how much you’re going to pay at the pharmacy, and that payment that you make at the pharmacy is called a copayment or coinsurance, which is a portion of the cost that you pay on your own. Again, the Medicare Advantage Plan, this Advantage Plan does include drug coverage because we see that highlighted in the green here.

It is bundled together with hospital and medical coverage, and so that’s also very important to look at when you’re comparing Advantage Plans or if you want to go back to, what we call, traditional Medicare and a Drug Plan, you’re going to want to look at that information as far as what you are paying currently for hospital coverage. Usually, within Advantage Plan, you’re going to have a premium that monthly amount. Some plans have a zero premium, there’s going to be a deductible amount that could be towards your drug coverage or towards some medical coverage. And then, oftentimes, with an Advantage Plan, you’re going to go to the doctor’s office and have a specific copay amount, maybe $20 for your regular doctor visit or maybe a little bit more, 30 or $40 if you were to see a specialist. Also, again, we highlight what the plan ID number that tells us what this plan covers when we’re looking at the Medicare website or if we’re looking at your Medicare & You Handbook, you’ll be able to see some of the costs of this particular plan.

There are different types of Medicare Advantage Plans. We’ll give you a little bit of information. Your Medicare & You Handbook has a section about Advantage Plans, so it’s always a good idea to go to the Medicare book and read a little bit more about Advantage Plans. There are HMO plans, there are PPO plans, and usually that has to do with the area that is covered. So PPO plans often have a wider network of providers, meaning that the doctors that plan works with usually is a wider area, so hopefully your provider would be part of this network. So that’s important to check that information during Open Enrollment. If you’re looking towards a new Advantage Plan, you’re going to want to make sure that your provider is part of that network or whether you’re looking at an HMO or if you’re looking at a PPO for coverage.

There are specific costs that you’re going to look at with the Part D and Medicare Advantage Plans depending on that plan’s formulary. So the formulary is the list of drugs that that particular plan covers, whether it’s a regular Drug Plan or if it’s a Medicare Advantage Plan. And those medications that you take are in different tiers, so they can be a generic medication and that might be a tier one, it might be a specialty medication and that might be a higher tier. So it’s important to look at that information when you’re reviewing your plan for the next year. That will also show you the different phases of the drug coverage, whether it’s an Advantage Plan or it’s a regular Drug Plan. So if you go to the pharmacy, you might have to pay a little bit more until you meet that deductible amount. If you have a zero copay when you go to the pharmacy, then you don’t have to worry so much about that deductible amount.

If you have high-cost drugs, you’re usually going to meet that deductible in the beginning phase of that coverage. And then you go to the initial coverage and then sometimes you go into catastrophic coverage. Medicare rules say that you’re not going to pay more than $2,000 for the total drug costs for 2025. That’s a wonderful new rule that is in effect starting January. So we’re looking at those costs as we are helping review plans for the next year, and you definitely want to take a look at that. A lot of folks last year and in previously years were paying up to $8,000 for what we call the donut hole. That donut hole now is basically closed in the most that you should pay for your medications that are covered by Medicare is $2,000 for 2025. If your medication doesn’t happen to be covered under Medicare, then that cost is not going to count towards the $2,000 and that would be paying out-of-pocket for those medications that are not on the Drug Plan or the Advantage Plan formularies.

It also depends on what pharmacy that you use. When we’re talking to folks, we usually ask them what the pharmacy is that they use and then we like to choose another pharmacy maybe in the area or maybe you travel and you’re going to look at another pharmacy where you travel, and we’re going to be able to see the cost at the pharmacy that you choose. Those costs can be very different depending on what Drug Plan or Advantage Plan that you’re looking at because they might put them in different tiers depending on what the plan coverage is. So that’s really important to know what pharmacy use or if there’s another pharmacy that might actually save you some copays or coninsurance and be cheaper place for you to buy that medication.

There are also other programs that work with Medicare drug coverage, whether it’s a Medicare Drug Plan or it’s a Medicare Advantage Plan. There are federal and state programs that you can apply for and qualify for depending on what your income and or resources are. The federal government through the Social Security Administration has the Extra Help or the low-income subsidy benefit. You can actually go to Social Security’s website once you create a login and you can actually complete that application at any time and then they would assess your income and resources and see if you might qualify for that benefit. That benefit can help pay some of the costs, the premium, and the copays of your medications. Our state program through the Department of Vermont Health Access is called VPharm. I always say VPharmacy. It’s easy to remember and they have specific rules and income guidelines on income.

That program does not count your resources like your savings, your 401s, that sort of thing. So more Vermonters might actually apply and qualify for VPharm than they possibly could. The Extra Help program, if we talk to you oftentimes we’re going to ask you what your income and resources are because we’re going to screen you to see if you might qualify for one of these programs, and then we would send you the applications. If you’re already in what we call Vermont Health Connect, Vermont’s Exchange, then you might be automatically screened when you become Medicare eligible for these programs. So it’s always a good idea to look into these if you have lower income and you need help paying the cost of your medications.

So we have a little bit more information about those assistance programs and we have the links here for you. So if we send out the PowerPoint, these should be working links or you have the addresses where you can go to download those applications or fill them out online. The top one is that Federal Extra Help program. If you’re logged into the Medicare website, which we can help you do if we are helping you or you could do for yourself, you’re actually going to see if you qualify for that program. Once you apply, if you qualify, it’s actually going to show up in the details of your information that you qualify for the Social Security Extra Help that can also be found in the back of your Medicare & You Handbook. The link to this application and our state pharmacy program or VPharm, we have the link there for you.

That’s the Department of Vermont Health Access. That’s where all the healthcare programs are for Vermonters and you can apply for VPharm and that would help pay the premium of your Drug Plan up to a certain amount each year. This next year, that amount is going to be $52 and 52 cents. So there are some Medicare Drug Plans or Advantage Plans that would work with the VPharm program and we could help you through that process or you could take a look on the Medicare website and see what programs are going to be $52 or less. Some of these programs, you could have both of these benefits at the same time and they would work together to lower your drug costs.

So we’re going to talk about how you can change your coverage from your current plan to a new plan. You’re going to complete a plan comparison using the Medicare website. This is the official Medicare website and it’s going to say that on the face page and we have the web address here for you, Medicare.gov. So you can create a login on medicare.gov, your medications, your pharmacy, and you’re going to be able to compare all Drug Plans or Advantage Plans. So you could do that process on your own. If you want to try to log into the Medicare website or you can call 1-800-MEDICARE, they’re here to help you 24 7 during the Open Enrollment period. If you can’t reach us or you’re getting stuck and you’re having an issue, you can call 1-800 or even on the Medicare website, you can actually ask for help. You can actually chat with a personal representative and they’ll help you through the process right there online without having to call the call center.

If you try to call the call center and you’re getting a busy signal or it’s ringing or ringing, there’s a long wait, then I would say hang up and call back at a time where it might not be so busy. So I would say Monday’s probably isn’t a great day to call the 1-800-MEDICARE call center, but maybe try it on a Tuesday afternoon or another time that you think might not be as busy or maybe after dinner or in the early evening. They’re probably not as many people on as there are during the daytime. You could call our SHIP program through our Senior Helpline. All our referrals need to go to the Senior Helpline. That’s how we keep track of the amount of calls that come through to our agency into each of our programs. And that number is a 1-800 number here listed for you, and it should be routed to the nearest local area agency on aging like Age Well.

So we talk about our Medicare & You Handbook. This is a book that once you’re established in Medicare that you should get every year in the fall. Most of you probably already have your new book. I would say take it out and take a look at it. It’s detailed in different sections. Each section talks about a different part of Medicare. So the first section is all about being new to Medicare as a lot of the rules and the things that you need to do. Special enrollment periods, there’s a specific part where you can look at Medigap plans. That section was section five, I believe. It tells you all about the rules of enrolling in a Medigap or supplemental plan and actually gives you a chart of the plan so you can see right there. And if we’re helping you, we sometimes we’ll ask you if you have your Medicare & You Handbook, so we can look at and help you understand those pages together.

If you didn’t get a Medicare & You Handbook and might not have arrived, maybe you haven’t updated Social Security with the correct address, so you might want to do that, or you can go to the Medicare website and there’s a place there where you can download the current 2025 book. The only difference between the book that you get in a hard copy and the book that you’re going to get online is the book that you get at home has the new plans for the next year in the back. So it would be all the new Advantage Plans for this year are going to be there and all the Medicare Drug Plans for next year are going to be there.

So if you’re looking at the Medicare & You Handbook, this is an example of some of the prescription Drug Plans that we currently have for 2024. You could see in dark blue that that’s the company name and it has that identification number, the contract number, which is the S number right next to it. And then each particular plan also has a number, and the first one you’ll see is SilverScript Choice has the 004, Prescription Drug Plan is PDP Plan 004 that would identify that particular plan. If you gave us the S5601 number and then the 004 number, we could look it up just like you can here. You can see the monthly premium amount. It’s going to give you the current deductible amount, and then it’s going to give you an example of the copays that you might pay depending on what tier or how that prescription is broken down into the Medicare Plan Finder.

It gives you an email address, so you have the website for that particular company and then it would tell you 25% coninsurance, 20% coninsurance. And if you’re doing a detailed search, you’re going to actually see those numbers more exact in the Medicare website called the Medicare Plan Finder. So there are different companies and underneath each company they have specific plans. So you could take these pages and compare with your 2025 Medicare & You Handbook i, You’re going to see the changes for each particular Drug Plan. If you’re looking at your 2025 Drug Plan and you don’t see your current plan there, chances are that plan has been deleted for this next year, and we have a lot of plans that have been deleted, both Drug Plans and Advantage Plans. So it’s going to be really, really important for you to take a look to see if your plan is going to continue into 2025 or if they’re going to end December 31st, and you have to choose a new plan during the Open Enrollment so that you have drug coverage or Advantage Plan coverage going into next year.

So you want to look carefully at those names of the companies and each particular plan and match that up with your card and to see if those plans are going to continue into next year. So we suggest that you go to the medicare.gov website and create an account. We have some of the steps here for you. You’re going to need a username and password, and we suggest that you keep those in a safe place in case you need our help. You’ve already done that. Sometimes clients will give us that information. We’ll go to the Medicare website on your behalf and we’ll take a look and we’re able to help you to sort through those Drug Plans and see how they’re going to cover your medications for the next year. And then we would give you a suggestion usually of two or three plans that you could enroll in and choose from. You want to save that information if you’re looking yourself, you can actually print that out. It’s going to allow you to get the details.

Once you create that login, it’s going to show you information that Medicare already has about you, and they’re going to show your current Drug Plan if you already have one, and you can actually look at the history of all the plans that you’ve been in. If you’ve been in Medicare for several years, it’s going to tell you some information about what you’ve had in the past, what you currently have, if you qualify for that Extra Help program and you’re going to want to give us that information or save that so that every time that you go into the Medicare Plan Finder, your information is going to be stored there. You create a drug list and that information is also going to be there. You do this by using your zip code, okay? So you want to make sure that it has your current address and if for some reason, if you try to put in your current zip code and it doesn’t look like the Plan Finder is working well, it could be that Social Security doesn’t have the most up-to-date information about you.

If you don’t login, then you can do what we call a generic search, and you’re going to do that under the box that says Find Health and Drug Plans. It’s going to give you the option like the middle box says, continue without a login or to login. If you continue without a login, you can use that session to use your medication list and compare pharmacies, but that information is not going to be stored in the Medicare Plan Finder like it would be if you were to create a login. So we’ve put that website here for you. The Medicare.gov Plan Comparison Tool or Medicare Plan Finder. So once you get into the Medicare Plan Finder, it’s going to give you a detailed list of the Drug Plans that would cover your medications.

It’s going to give you any kind of restrictions on those Drug Plans, so it will tell you if a medication or medications are not covered. You’re going to want to open the details where it says plan details. Once you’ve looked at the list and you determine that, usually it’s the plan that is on the top of the list that is the cheapest, and that usually covers your medications. There are some times where we go to the second plan or the third plan, depending on maybe if you qualify for the VPharm program and that plan works better. We might suggest that plan for you, but you’re going to want to look at the monthly premium. You’re going to want to look at the total drug and premium costs for that year, and the Medicare Plan Finder is going to detail that information for you, and then it’s going to give you any kind of deductible amounts that are going to come into play as you’re looking at the different phases of drug coverage.

And this example, there’s a $280 drug deductible, and you would see that as you scroll through the details of the plan. Once you make the decision to look at a particular plan, you’re going to open that up so that you can see the breakdown of the different phases, and that’s going to give you what it’s going to be for the whole year, including the premium. It can even detail it by month to month, and it’s going to be able to give you the copays at the pharmacy. And again, you’re going to look at any kind of restrictions that might be there, et cetera. You want to make sure that you record the contract ID number, which is going to be at the top underneath the name of the company and the plan.

If you’re looking at a Medicare Advantage Plan, it’s going to be very similar, but there’s going to be a lot more information that you need to look at for a Medicare Advantage Plan because it’s not always just your drug coverage. An Advantage Plan covers your medical coverage as well, so your doctor’s appointments, hospitalizations, that sort of thing. You’re going to want to look at the details of what that would cost you. And this example here, the premium is zero, so you don’t pay a monthly premium, but your costs are going to be part of what we call the maximum out-of-pocket amount, and that is the amount at the bottom of this example. For the whole year, this example says that you could pay up to $6,000 for your medical costs and your drug costs if you spent that much money in copays or copays and co-assurance at the doctors.

Once you pay that $6,000, this plan would pay at a hundred percent, but until you reach that point, you are going to have to pay copays at the pharmacy and copays when you go to the doctors. So you want to look at the entire part of the Advantage Plan coverage, not just whether you pay a monthly premium or even if you have copays that are zero, you’re going to have to pay some for a hospitalization. Not all the plans that we have here in Vermont pick up that portion of the hospital coverage that Medicare does not cover. An Advantage Plan has to cover at least as much as regular Medicare, but not anymore. So this plan may not pick up that 20% Part B coninsurance that you would have if you were to be hospitalized or maybe you have a chronic illness and you go to see your provider several times each year.

You’re going to want to look at the total cost, not just the fact that it might have a zero premium. You can contact the plan directly to talk to them about the coverage. It’s going to give you a little screenshot here, but it’s not going to go into major detail about your vision coverage or your dental coverage. You’re going to want to call that plan and make sure that provider that you see for your vision or your dental if they’re in the network and if they’re in the network, what is the cost of vision? They’ll pay up to maybe $1,500 a year or more, or maybe two exams or two cleanings. So you’re going to want to find that information out as you go forward. There’s going to be a cost for your primary care doctor and your specialist. You could have a drug deductible or a health deductible, and then again, you want to look at that maximum out-of-pocket cost.

This example is a PPO, Medicare Advantage PPO example. These are 2024. Some of these plans that we have listed here may not be available in 2025, so that’s going to be important to take a look at your book or call your current plan or talk to us and see if your plan from 2024 is going to be available in 2025. You’ll see on this example here that this plan does have an annual health deductible. A lot of plans don’t have a health deductible, so you might decide that you don’t want to plan that has a health deductible, and you could see that the out-of-network cost here is substantially higher than it is if you are in-network. So out-of-network means that you’re out of the coverage area for that particular plan, and it could cost you more or maybe not even work at all if you were to go to a provider that was not included in the network of this particular Advantage Plan. So super important before you tell someone you’re ready to enroll or you’re going to switch plans is to make sure that you understand all the details here.

We have some resources available to you as you go through the process of the comparison. We have our Age Well website. Oftentimes, we’ll give referrals to the senior Medicare patrol. They work with folks on any kind of billing error, fraud, maybe you got charged for something, a service that you didn’t have yourself. We would refer you to the senior Medicare Patrol. They would take your information and help you with an investigation or to look into that problem a little bit more detailed than we can do. Oftentimes, if it’s a legal issue, we will give you information to call or to complete an online inquiry to the healthcare advocates or legal aid. We have the link here for the Medicare & You Handbook. You’re going to want to take a look at that. If you don’t get one, you can call 1-800-MEDICARE or I believe you can order one online, and then after the first of the year, we have some Medicare & You Handbooks.

You can request one through our helpline and we’re happy to send that out to you. We have the 1-800-MEDICARE telephone number and the website that we’ve been talking about tonight. Super important to go there. Take a look, create your login. We have information if you have any kind of hearing or speech impairments or you speak a different language, we can get interpreters. We have our local Social Security office number and the federal website here. If you log into Social Security, that’s a very different login than the medicare.gov. So you could have a login for social security, and then again, have a login for medicare.gov to keep track of your plans and that kind of coverage. And then the Department of Vermont Healthcare or Health Access that are healthcare programs in the state of Vermont where you would get the applications for the VPharm program. They do have a Medicaid program that works with Medicare, and they could talk to you about that and send you the applications.

Also, if you don’t know what your coverage might be, maybe you think you have a VPharm program or another program that helps to pay. You could call the Department of Vermont Health Access, and they can go over your file with you and give you some of that information. And then if you’re looking at supplemental plans, if you’re new to Medicare or maybe your plan is changing, there are a lot of MVP plans this year that are moving out of Vermont. They have some special enrollment periods. The Department of Financial Regulation oversees Medigap plans. They put a list of those plans with some of the pricing on there. You could go to their website or you can go to the Medicare website and look under Medigap plans, and you can do a comparison there as well. So just to recap everything, we want you to be able to look at your current plan, the cost of your current plan, the premium, the deductibles, the coninsurance, the copays.

Does it work at your pharmacy? Does it work at another pharmacy? Are you going to meet the $2,000 maximum amount this year, or do you get help with your copays? So you’re going to want to go over all of those things. You want to make sure there’s no restrictions or to make sure that your medications, each of your prescriptions, not any over the counters, but your prescription drugs are covered for the next year before you sign up with a new plan. And if you sign up for a new plan, you’re going to automatically be deleted from the current one. So there’s nothing there that you have to do. So you can call the Senior Helpline at that 1-800-642-5119 number, and we can try to help you. And if we’re not able to help you, then we’ll give you referral information at that point. So thank you very much for listening into our presentation, and we hope that this has been valuable. We want to thank Stephanie from EastRise and Sam and Caitlin for all the hard work that they put into Open Enrollment.

Samuel Carleton:

Thank you, Sharon. And yeah, so thank you Stephanie and EastRise, thank you for those who are able to attend. For those who weren’t Stephanie’s going to make sure this is posted on EastRise’s website. For those folks who are watching that way, there will also be a survey to your email. So if you could please complete that survey after you watch this at your leisure, that would be great. So, yeah. Thanks, Sharon. Thanks, Stephanie. Thanks, EastRise. Have a great evening everybody.

Sharon O’Neill:

Take care. Thank you. Bye-bye.