March 31st is the last day you can change from one Medicare Advantage Plan to another Medicare Advantage Plan.  After that you are stuck until the Annual Election Period which begins November 15 and ends December 31st of every year.

RED ALERT: If you joined a Medicare Advantage Plan within the past 12 months and do NOT like it, or you feel it does not meet your needs or that you were mislead by a salesperson or company, you can get OFF of the Medicare Advantage Plan within the first 12 months!!!  If you keep it longer…you may not be able to get on a Medicare Supplement because of the underwriting or health questions.   Call us to check on your options!

ORANGE ALERT:  If you are NEW TO MEDICARE and you joined a Medicare Advantage Plan and don’t like it, you are still within your open enrollment period and cannot be turned down because of health issues.  You can get back on Original Medicare which pays 80% of all doctor and hospital costs and take out a Medicare Supplement that pays the other 20%.  With a Medicare Supplement your only expense is your monthly premium.  There are NO co-pays, NO NETWORKS of doctors you must use.  You can go to any doctor or hospital of your choice! If you are NEW TO MEDICARE, PLEASE, PLEASE start out with a Medicare Supplement and Stand Alone Part D Plan.  We can help you!

GREEN ALERT: If you are losing your Retirement Plan Group Coverage and need to know what Medicare Supplement plans have the lowest premium, we also do a comparison of Medicare Supplement plans along with a comparison of the more than 50 different drug plans in your state!  You do NOT want to join a Medicare Advantage Plan!  All the Medicare Supplement plans include the same benefits…a Plan F is a Plan F, no matter what insurance company you buy it from.  The ONLY difference is the price they will charge you.  Why pay more?

The ugly truth of the matter is many Insurance Salespeople will try their best to get you to join a Medicare Advantage Plan because they get paid double the commission to do so!  Don’t fall for it!

So, that is the what’s up about the March Madness of Medicare!  Call our toll free number or go to the form on this page or go to www.MyPartDusa.com and fill out the form to get assistance.

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In some states, a Medicare Supplement may not be available to you based on the affordability, your eligibility, or your existing health conditions may prevent you from getting through underwriting.

You still need good affordable, quality health insurance, and a Medicare Advantage Plan may be best for you.  The only health condition that would prevent you from obtaining this valuable coverage is ESRD. (end-stage renal disease)

There are many different types of Medicare Advantage Plans, some would include your drugs, dental, and vision benefits.  For more information, please call the Medicare Advantage Plan enrollment center to talk with someone about all your options.

866-752-1795 – Advantage Plans

Please visit MyPartDusa.com for your Medicare Drug Plan Comparison.  We hope you find it helpful in making an informed decision for your 2010 drug plan selection.

As you all know our policy is that the best coverage is a Medicare/Medigap Supplement and stand alone drug plan.  However, for people on disability or who absolutely cannot afford the premium on these plans or they do not have a Supplement for disability available in their state…a Medicare Advantage Plan is the only option.

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Medicare Advantage Plan Information

Please beware….these companies will try absolutely anything to get you on a Medicare Advantage Plan.  Please read my other blogs in the catagory section on the left hand side of this blog under “Medicare Advantage Plans” about why you should not consider this option.

THOUGHT FOR THE DAY: When you are arguing with a fool, make sure he isn’t doing the same thing.

This particular company actually had huge pieces of Swiss cheese to help us understand the “holes” in Medicare. The first piece of cheese had lots of holes in it showing what Original Medicare does not cover.  The second piece of cheese had less holes when you purchase a Medicare Advantage Plan, and the third piece of Swiss cheese only had one hole left for Part D drug coverage.  They were trying to help you understand that if you get their Medicare Advantage Plan that you will have NO HOLES IN YOUR MEDICARE PIECE OF CHEESE.

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#1 – Original Medicare Parts A & B pay 80% of your doctor and hospital costs.  If you get a Medicare Supplement this covers the other 20%.

#2 - If you get a Medicare Part D drug plan comparison and choose a stand alone Part D plan you will have no more holes in your cheese.

The 2 options above are the only 2 things you need to have the best, most comprehensive, choice oriented coverage the Medicare system has to offer.

When you join a Medicare Advantage Plan you have no network of doctors or hospitals that may or may not take the coverage.  They aslo try to intice you with gym memberships, wellness care, dental care…etc….But, folks, THESE ARE JUST TEASER OPTIONS.  The actual benefits are not worth the risk you take in joining Medicare Advantage plans…….UNLESS

#1. You cannot afford the premium on a Medicare Supplement/Medigap plan

#2. You are disabled and there is no Medicare Supplement offered in your state or you cannot afford the premiums.

DON’T GET CAUGHT IN THE SMELL OF AN INSURANCE COMPANY CUTTING THE CHEESE ON YOU!

Family Business dvd goes out to all the great General Motors Retirees we met in Niles, Youngstown, and Lordstown, Ohio.  We had a really good meeting there.  The first person to speak was a local pharmacist who talked about how important it is to get a Part D drug comparison.  He also mentioned about buying your generics OFF your drug plan at Wal-Mart or another large retailer’s $4 list so you don’t go into the “dreaded donut hole” as quickly in 2009. 

The main thing we tried to get across was:

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DO NOT JOIN A MEDICARE ADVANTAGE PLAN FIRST!!!! Palindromes trailer The Man from Earth movie Stepfather II dvd

If you think you may want to try a Medicare Advantage Plan, join a Medicare Supplement first.  That way you will be buying yourself a “12 month security of choice guarentee”.  Medicare states that if you get off a Medicare Supplement to join a Medicare Advantage Plan and decide you don’t like the Medicare Advantage Plan FOR ANY REASON, YOU HAVE 12 MONTHS TO GET BACK ON YOUR SUPPLEMENT WITH NO UNDERWRITING OR HEALTH QUESTIONS ASKED.  If you join a MAP first you may be STUCK WITH IT, because you will have to go through underwriting and you will have no guarantee of coverage.

The Medicare Advantage Plans DO NOT TELL YOU THIS!!!!

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PLEASE MAKE SURE YOU TELL EVERYONE YOU KNOW ABOUT THIS VERY IMPORTANT INFORMATION.

You may ask yourself why some insurance agents are recommending Medicare Advantage Plans?  The commission earned on a Medicare Advantage Plan is more than double what they would get if they recommended a Medicare Supplement and a Stand Alone Part D Drug Plan, which is what the GM retirees really need!!!!  Many other agencies say that Medicare Advantage Plans are better than Original Medicare….BUT, they DO NOT compare Medicare Advantage Plans against Original Medicare combined with a Medicare Supplement and a Stand Alone Drug Plan!!!!  Read my other blogs on this topic.

We have been working with GM Retirees all over the country and we have had some great meetings.  They are so glad that someone out there is providing the best information available so they can make the best decision about their healthcare.  We thank you for all the kind words and appreciate the opportunity to assist you all with such a very important aspect of your retirement. 

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A Home at the End of the World movie If we didn’t answer all your questions in the meeting, please write to me and I will find an answer for you ASAP!!  IT WAS AN HONOR TO MEET EACH AND EVERY ONE OF YOU. Stand Up film

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QUESTION:  I am retired from American Airlines and they are cancelling our retirement health drug plan and I know the health coverage will soon follow.  I have been wondering what to do about choosing between a MEDICARE ADVANTAGE PLAN or a MEDICARE SUPPLEMENT.  Could you please help me?

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ANSWER:  I would be happy to explain the differences between these two choices you have for your health coverage with Medicare.  I will begin my answer with the Medicare Advantage Plans:

MEDICARE ADVANTAGE PLANS

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IMPORTANT WARNING:   IF YOU JOIN A MEDICARE ADVANTAGE PLAN FIRST, INSTEAD OF A MEDICARE SUPPLEMENT, DURING YOUR 63 DAYS OF OPEN ENROLLMENT, YOU MAY NEVER BE ABLE TO GET A MEDICARE SUPPLEMENT, YOU WILL FORFIT YOUR RIGHT TO HAVE A CHOICE, EVEN IF YOU ARE NOT HAPPY WITH  THE MEDICARE ADVANTAGE PLAN.  AFTER YOUR 63 DAYS OF GUARENTEED ISSUE OPPORTUNITY ON THE PLAN OF YOUR CHOICE, YOU WILL GO THROUGH THE UNDERWRITING PROCESS IF YOU WANT TO CHANGE YOUR PLAN, AND YOU MAY BE TURNED DOWN FOR HEALTH REASONS.  OUR ADVICE IS TO ENROLL IN A MEDICARE SUPPLEMENT FIRST, THEN IF YOU WANT TO TRY A MEDICARE ADVANTAGE PLAN YOU CAN DO SO, WITHOUT RISKING YOUR OPTIONS TO CHANGE. 

This is the ruling from the Centers for Medicare. 

The Medicare Advantage Plans do not tell you this!! 

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Medicare Advantage Plans do not travel well.  You have many hoops to jump through to see a specialist and your doctor can choose not to take this coverage at any time he chooses.  You may have trouble finding a doctor that will take a Medicare Advantage Plans form of payment, because Medicare does not make the payment for your services.  You are not really using your Medicare benefits, because the insurance company is paying your bills.

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Also, they usually have a built in drug plan with formularies that are inferior.

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Please read my other blogs about Medicare Advantage Plans by clicking on that catagory on the left side of this page!!!

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Medicare Supplements or Medigap Coverage

By choosing a Medicare Supplement policy combined with a Stand Alone Part D Drug Plan, you get the most comprehensive coverage and maintain your choice in drug plans.  As you know, Medicare pays 80% of your doctor and hospital coverage.  You need the Supplement to pay the other 20%.  The only out of pocket costs you will have is your monthly premium.  You can go to any doctor or hospital all over the USA, see any specialist at any time you wish, and there are no “extra hoops” to jump through.  All you need to do is get a comparison of prices for supplements.  A Plan F is a Plan F, no matter what company you choose as all these benefits are regulated by the Centers for Medicare and are exactly the same!  The only difference is one company will charge you a higher premium than another one will.  There is no need to pay a higher price for your coverage!! 

Then you will need a comparison of all the drug plans available to you based on your individual medications!  That way you will always have the best drug plan, saving you the most on co-pays and premiums. 

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If after you read all the other blogs I have written about MAPD plans and Medicare Sups, and you still have a questions about your specific situation, please call my toll free number and I would be most happy to talk with you! A Crude Awakening: The Oil Crash divx

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Please be so careful because you may not be able to totally believe everything the salesperson tells you. They will tell you that Medicare Advantage Plans are as good or better than Original Medicare. Well, that statement can be quite deceiving. They do NOT COMPARE MEDICARE ADVANTAGE PLANS AGAINST A TRADITIONAL SUPPLEMENT!!!

Medicare pays 80% of your doctor and hospital costs. Your Traditional Medicare Supplement pays the other 20%. With a Medicare Advantage Plan you actually are not using your Medicare benefits, but all your bills go through the Advantage Plan company. It may sound better because the premiums are lower, but you may have co-pays for many things. There are many more hoops to jump through to see a specialist, and they just don’t cover every illness as comprehensively as a Traditional Supplement does.

One of the biggest problems people are having is that their doctor that they have seen for years will NOT accept the terms of payment from the MA company. We always tell people, especially if they have an ongoing illness, DO NOT SWITCH TO A MEDICARE ADVANTAGE PLAN.

These are the reasons to consider a Medicare Advantage Plan:

*If you are on disability and can NOT get any other coverage

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REMEMBER:

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IF YOU JOIN A MEDICARE ADVANTAGE PLAN AND DO NOT LIKE IT, FOR ANY REASON, YOU HAVE 12 MONTHS TO GET BACK ON A TRADITIONAL SUPPLEMENT WITH NO UNDERWRITING. IF YOU WAIT AFTER THE 12 MONTHS, YOU WILL HAVE TO ANSWER HEALTH QUESTIONS, AND YOU MAY NOT BE ACCEPTED BACK ON A TRADITIONAL SUPPLEMENT.

So, readers, please all this this in mind, when you hear the very attractive sales pitch of the Medicare Advantage Plan salesperson.

I am NOT against Medicare Advantage Plans.

Turn the River buy We recommend them to some people everyday. YOU JUST NEED TO MAKE SURE THAT THIS IS THE COVERAGE FOR YOU AND GET THE FACTS!!!

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If you have any questions, just call me, Karyn Blake, toll free at 866-752-1795.

If you would like a Senior Consultant to call you to discuss your options, call us or go to the website and fill out a worksheet at: Wuthering Heights hd The Muppets Take Manhattan movie download Hold That Ghost hd

www.MyPartDusa.com

]]> http://mypartdusa.com/blog/watch-out-for-medicare-advantage-plan-materials-in-the-mail-make-sure-you-know-what-you-are-getting-yourself-into/feed/ 0 http://mypartdusa.com/blog/questions-to-consider-before-joining-a-medicare-advantage-plan/ http://mypartdusa.com/blog/questions-to-consider-before-joining-a-medicare-advantage-plan/#comments Mon, 31 Dec 2007 18:10:34 +0000 mypartdusa http://mypartdusa.com/blog/?p=86 In addition to changing your drug plan from Nov. 15 to Dec. 31st divx glory road you can also change your health plans.

Americans with Medicare can choose to receive their health benefits through Traditional Medicare, the program that allows you to see any doctor anywhere in the USA. 4 out of 5 people choose to use Traditional Medicare benefits.

Another option is the Medicare Advantage Plans

this is it 2009 or Private Fee For Service Plans. These are managed care plans where rules and restrictions apply.

Some MAP’s have built in Part D Drug Plans and others do not. You should compare the drug plan associated with the MAP to make sure you will save the most money. If you find that the Drug Plan is not the best, you can choose a Medicare Advantage Plan that allows you to have a stand alone drug plan. This means that you can choose which ever Drug Plan will be best for you.

Ask Yourself These Important Questions BEFORE you join a Medicare Advantage Plan:

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1. Will I be able to use MY doctors?

If you choose Traditional Medicare, you will need a Medigap policy or Medicare Supplement to pay the 20% that Medicare does not pay. Traditional Medicare covers 80% of your doctor and hospital costs. You may already have this type of coverage through your retirement plan or your spouse’s employment. You will also need a stand-alone drug plan. There are up to 40 plans available in each state. That is why it is imperative that you get a comparison of these plans to make sure every drug you take is on the drug plan formulary and that you are getting the very best prices.

www.MyPartDusa.com Elephant film can help you sort out all these decisions and help you enroll in the plan of your choice.

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are good for some people, but you must be absolutely sure you can live with the coverage. There are sales people that will tell you that these plans are as good as original Medicare. This can be very misleading. You actually give up your Medicare benefits, and your doctors and hospitals will be paid directly from the MEDICARE ADVANTAGE PLAN. Many doctors and hospitals WILL NOT ACCEPT THE TERMS OF PAYMENT FROM THESE ADVANTAGE PLANS. You must be certain that your doctor or hospital will accept these plans before Maverick dvdrip you join them.

The Spiderwick Chronicles film We have heard from many people that could not continue to go to the doctor of their choice. They had to search for a doctor that would accept these plans. If you are in the middle of health issues, and you can afford to keep your Traditional Medicare Supplement, YOU SHOULD KEEP YOUR MEDICARE SUPPLEMENT. There are many things that may not be covered by your MEDICARE ADVANTAGE PLAN.

An elderly gentleman here in Chattanooga, TN had scheduled a heart surgery and joined a MEDICARE ADVANTAGE PLAN. When he went in to have the surgery, his doctor nor the hospital would accept the terms of payment from his new plan. He had to postpone his surgery, until we could get him back on his Traditonal Medicare Supplement. This was very dangerous for him because he needed the surgery when it was scheduled.

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We were able to do this because Medicare rules say that if you join a MEDICARE ADVANTAGE PLAN

and are not happy with it for any reason, you have 12 months to get back on your Traditional Medicare Supplement, WITH NO UNDERWRITING. watch butch cassidy and the sundance kid in divx Hairspray divx

Had he waited after 12 months, he would have had to go through underwriting and all the health questions and would NOT have been able to get back on his Traditional Medicare Supplement. His Traditional Medicare Supplement was accepted at any doctor or hospital and payed the 20% of his surgery expenses and Original Medicare Part B payed 80%.

We recommend MEDICARE ADVANTAGE PLANS Hollywoodland download only for people on disability that cannot get any other type of coverage. We also recommend them for people who can absolutely NOT afford a Traditional Supplement.

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For anyone else a Traditional Medicare Supplement is perferable because there are no hoops to jump through or co-pays to worry about. You know your doctor and hospital will accept them. You can go to a specialst anytime without referral and a Traditional Medicare Supplement is good anywhere in the USA. Many times MEDICARE ADVANTAGE PLANS are regional and do not travel well.

I know we all want to save a dollar where we can, but please, if you can afford your Traditional Medicare Supplement do not be drawn in by the lower or no premium sales pitch of the MEDICARE ADVANTAGE PLANS.

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Please read my other blogs with further details about MEDICARE ADVANTAGE PLANS. You can find them on the left side of this webpage under “categories”.

At MY PART D USA we can help you find the best Traditional Medicare Supplement in your state. We can also help you if you feel a MEDICARE ADVANTAGE PLAN

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is right for you. There are many MEDICARE ADVANTAGE PLANS on the market and we will explain them to you and help you choose the one that benefits you the most.

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www.MyPartDusa.com
toll free – 866-752-1795

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. I would bet you dollars to donuts that he is coming to her house to enroll her in a Medicare Advantage Plan with a built in drug plan called an MAPD. The commission for a salesperson on a Part D plan is very small. I don’t know of a salesperson that would drive all the way out to your home just to talk about a drug plan. Medicare Advantage Plans have the highest commission rate of any kind of Medicare Health Coverage.

Please be careful that you don’t get confused by this and sign up on something you don’t understand. batman returns divx

If you already have a Traditional Medicare Supplement

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and you can afford the premium and you know your Doctor and Hospital will accept your supplemental insurance, you are better off to KEEP

your Traditional Supplement. THEN, just enroll in a stand alone drug plan.

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Medicare Advantage Plans will sound good for you because in some cases they have a much lower premium or no premium at all. However, you will have co-pays and many times your Doctor will not accept the terms of payment from these plans. I have heard many stories from people who had an ongoing illness, and they had been seeing the same Doctor for years. After they switched coverage, they had to change Doctors and had no choice who they could see. One man had a heart surgery scheduled and changed his coverage to a Medicare Advantage Plan and his Hospital would not accept the payment.

These salespeople will tell you that an MAPD is better than orignial Medicare. They say this because they may add in some minimal vision or dental coverage, but truly they are not better than Original Medicare that pays 80% of your doctor and hospital costs and your Traditional Supplement that pays the other 20%.

Remember, if you join an MAPD and are not happy with it or feel you had been misled or did not understand the plan, YOU CAN CANCEL IT AND GET BACK ON YOUR TRADITIONAL SUPPLEMENT WITH NO UNDERWRITING, within 12 months. If you stay on the MAPD over 12 months, you must go through the underwriting process to be able to get back on a Traditional Medicare Supplement. This may cause you to be turned down for coverage because of your health conditions.

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If you ONLY WANT A STAND ALONE DRUG PLAN, STICK TO YOUR GUNS!! Remember as I said before, YOU ARE THE BOSS OF YOU!!

There are some people that could use a Medicare Advantage Plan and it would be a good decision for them. Many people on Medicare Disability could use a Medicare Advantage Plan before they become fully vested in the Medicare Health Benefits. If you absolutely cannot afford the premium on a Traditional Supplelment and you know your doctor will accept the plan, or you have very few health issues and don’t expect to have any, an MAPD might be right for you. Remember, your Doctor can refuse to accept the terms of an MAPD at ANYTIME.

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Doctor Dolittle ipod If you would like more information, please read my other blogs listed in the left hand categories on Medicare Advantage Plans or call me, Karyn Blake.
toll free 866-752-1795.

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