Medicare Advantage plans are cheap, but they automatically un-enroll you from original Medicare.

Pros:

• Monthly premiums are relatively inexpensive, with some costing $0 per month.
• Part D drug plans are usually included (for convenience, not efficiency.)
• Fitness memberships or other incentives are sometimes included.

Cons:

• Small and intricate medical networks determine your available medical providers. You most likely will have to change your doctor to become “in-network” before claims are covered.
• Extremely high out-of-pocket costs (OPCs) if you aren’t in perfect health.
• If OPCs rise due to illness or injury, you cannot revert to original Medicare, thereby paying the high OPCs eternally.
• Network restrictions equal limited nationwide coverage. Insurance is usually not applicable in remote medical facilities, so traveling is an issue. For example, The Mayo Clinic will not take Medicare Advantage plans.

Medicare Supplement (Medigap) plans cost more, but the coverage they provide is exemplary.

Pros:

• Almost everything is covered, depending on your plan. OPCs are relatively low/non-existent.
• Eligibility allows you to enroll in a supplement plan, not only during the Annual Election Period.
• Coverage is easier to comprehend and predictable.
• Doctors usually accept original Medicare and your corresponding supplement plan.
• Is almost always accepted nationwide.

Cons:

• Medicare supplement plans are more expensive than Medicare Advantage plans.

With either choice, you can continue to pay a monthly Part B premium to Medicare. The main things to consider are:

1. Do you want the choice of any provider or are you willing to choose a provider from within a network?
2. Would you rather buy a separate prescription drug plan or get drug coverage included in one plan?
3. Would you rather pay higher monthly premiums and have lower out-of-pocket costs for services or pay a low monthly premium and co-pays for services as you use them?

Your Medicare needs are personal. Navigating through the options can be confusing and misleading. To talk to a professional and learn more about Medicare, contact the experts at Senior Health Medicare today. Our agents are ready and available to help you make the best decision possible…for your health and wellbeing.

Senior Health Medicare is a superior resource for Medicare guidance, information, and ongoing client support. Selecting a Medicare plan is not a flippant decision. It requires annual revisiting and re-evaluating in order for the client to stay in the most cost-effective coverage. Senior Health Medicare is here to serve as your resource through all the years to come. Contact us today at 888-404-5049 or visit us on the web at www.seniorhealthmedicare.com.

Written by the digital marketing staff at Creative Programs & Systems: www.cpsmi.com.

Yes, at least, most likely. 98% of all doctors in the united states accept medicare.  It is the bread and butter of most hospitals because seniors make up the majority of hospitalized patients.

If your doctor accepts medicare, your doctor will take medicare supplements!

Imagine medicare as a road with a bunch of pot holes. Medicare supplements is the tar that the road crews fill the road with. Once it’s added it just becomes part of medicare!

If you have more questions, speak with one of our agents at http://www.omegabenefit.org/

Your initial enrollment period starts 3 months before your 65th birthday month and ends 3 months after. It lasts a total of 7 months. During that time you can switch to any plan you want to!

The annual enrollment period for medicare is between October 15th and December 7th each year.
During this time you’re going to be able to do a few special things.

• Change your Medicare Part D Plan.
• Change from and to medicare advantage programs.
• Change from a medicare advantage program to a medicare supplement.

This a time where medicare is crazy busy and agents are very active.

Keep in mind, if you have a medicare supplement you are going to be able to change your medicare at any day and time.

If you have any questions, ask an agent at http://www.omegabenefit.org/