Monday, October 14, 2013

Pleased to answer questions on your current MediCARE Health plan coverage during 2013's Oct. 15 to Dec. 7 Open Enrollment for 2014.

You can gain by enrolling in a Medicare Advantage (MA), which is a MediCARE Part C plan:

MA plans are available from private medical insurance companies, which have a yearly contract with the Center for Medicare and Medicaid Services (CMS) and receive a fixed monthly payment for each person who enrolls.

Companies offering Medicare Advantage in Connecticut provide at least the same or more benefits than in original MediCARE including more extensive preventive care.

Some MA plans have no monthly premium and some charge a premium.

Individuals in a MA plan receive their medical treatment through the companies network of providers and most also include coverage for Part D prescription expenses. This makes them a MAPD plan and are the most common.

MAPD plans have co-pays for physician visits, emergency room visits, outpatient surgery, and for a certain number of days if hospitalized. This co-pay cost sharing is limited since the plan's include an annual maximum out of pocket (MOP).

MA plans are usually more economical than buying a MediGap plan plus a Part D plan. Thus, they are of interest to many individuals.

Surveys of people close to 65 tell us more than 50% are confused about Medicare and only about 10% understand Medicare's Part C!

I would like to - Ask you to call (860) 451-9793 - today if you are interested in increasing your understanding. We can meet for a no cost to you conversation.