Did you prepare for the Medicare open enrollment in 2012/2013?
The first thing to do is evaluate your health needs. Review your current prescription medications and how often you consult with your health professionals. Have you received a notification from your plan change provider in your plan? Make a list of your current medical needs and everything that has changed since your last enrollment in your Medicare plan. Even if you want to keep your current coverage, it may be time to change your plan, since an identical policy may provide extra benefits or lower premiums. With private insurance firms in the health coverage sector, prizes, prizes and very competitive policies are evolving constantly and benefiting consumers.
Make a comparison of your list of other Medicare policies available in your area by carefully analyzing all costs vis a vis the benefits. Be sure to compare not only the monthly costs, but also consider all your expenses, including all cash payments, franchises and coinsurance! You can start your search on the Medicare.gov website or contact a specialized Medicare insurance agent. If you select a Medicare specialist, it is best to look for an individual who does not depend on a certain health insurance agency so that they can offer the full range of available plans. These counselors may also be more motivated to find the plan that best suits you, while an insurance agent will try to force you to one of the two or three plans you have for sale.
Although it is really a good idea to ask for the advice of your family and friends, understand that your requirements for medical care are specific to yourself and that a perfect health plan for your friend may not meet your needs. To make a decision that is best, you need to also know the disparity between Medigap Insurance and Medicare Advantage. There is no single size that fits all. For certain persons, for example, persons who don’t see their doctor quite often, Advantage plans of Medicare can be more efficient, while for some others, particularly for senior citizens in rural areas with a limited number of health care providers. A supplemental Medicare policy with a bigger selection of physicians may work out best- even if this could cost a little more.
Here, you could save money by examining all currently available plans and comparing them to your current medical needs. The variety of Medicare diets makes the selection more complicated. Meanwhile, if you want to find the best Medicare policy for your specific needs in 2013, it is possible to compare the plan’s offer and benefits during the 2013 Medicare open enrollment period. Finally, you should see two changes in Medicare enrollment for the year:
1- Enrollment in Medicare begins earlier and ends earlier. Qualified participants will be able to participate or modify a current Medicare policy beginning October 15. Meanwhile, you can only register until December 7 of the current year. (Last year, the enrolment period lasts from the middle of November to the year-end). 2- For certain people, there are records https://www.medicaresupplementalplans2020.com all through the year. There is an important exception to this registration period: at any time, you could upgrade to a five-star Medicare plan during the year, from December 8 to November 30, 2012.