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Hiyacynth Asked July 15, 2025

Dad keeps switching healthcare.

when a commercial comes on saying they will save him money, Dad calls and signs up.

AlvaDeer Jul 16, 2025
H. Are you POA?
If you are, do know that now is the time to take over all financial executive function. This is fairly minor, but your father and a phone aren't a good match now if he has management of his money, accounts and bills. This endangers him.

Hiyacynth Jul 16, 2025
Thank you all. He has short term memory loss and is very susceptible to ads. If a health plan has a 5 star rating, those can be signed up for any time of the year. I think I found a way to change his phone settings so he can only call people on his contact list. I’ll try that for now.
funkygrandma59 Jul 16, 2025
Hiyacynth, the 5 star special enrollment plan can only be used once per year, so your dad cannot keep switching his healthcare plans.

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Grandma1954 Jul 15, 2025
Is he competent? If so there is nothing you can do.
If he is not competent then whoever is POA should be restricting this type of change.
If he somewhat comprehends you can tell him that changing often can make it more difficult to find a doctor if he ever has to see one other than the ones he is currently seeing.

funkygrandma59 Jul 15, 2025
Ok, now I'm confused. If your dad is on Medicare he can only change his plan during the open enrollment period which is Oct. 15th through Dec. 7th.
And if he has a Medicare Advantage plan that can only be changed Jan. 1st through March 31st.
And I know that even wanting to change lets say your original PCP to another, when on an Advantage plan, you have to be able to give your original Medicare number before any changes can be made.
That seems like a lot to try and figure out for someone who has dementia.
So unless your dad doesn't have dementia or isn't yet on Medicare yet, this isn't making any sense to me.

lealonnie1 Jul 15, 2025
With Alzheimer's, your father now needs constant supervision to keep him safe and his affairs in order. In home help is required or placement in managed care.

SRWCF1972 Jul 15, 2025
My mom does the same thing. Healthcare, car insurance, homeowner's insurance, cell phone provider, etc., etc., etc. It is so frustrating!

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