The Medicare Annual enrollment period is here and that means one thing: mass confusion! This year, with the implementation of Obamacare or the Affordable Care Act, people have many questions and few answers.
An important thing to know is that the Affordable Care Act does NOT require seniors or people on Medicare to enroll into any specific “exchange” or “Obamacare” type plan. In fact, Medicare eligible Americans are actually excluded from signing up from these new plans and will NOT be faced with a penalty.
A big shakeup for people on Medicare is happening in Lincoln County, MO. With news that 2 of the most popular insurers dropping their Medicare Advantage plans for 2014, many people will be left with making a decision for their coverage needs. If you find yourself one of the people losing Medicare Advantage benefits, here are a few tips:
– You should think long and hard about signing up for a Medicare Supplement plan. Yes, it is a higher premium per month, but you can get this type of coverage without having to answer any health questions at all. This is pretty rare in the insurance world when you do not have to disclose any health history. Also, with this type of coverage, it is guaranteed renewable for life, meaning that you can never be dropped as long as you pay your premium.
-If you do not want to pay a monthly premium, there are still $0 premium HMO and PPO plans available in Lincoln county offered by top rated, well known carriers. My agency represents ALL of the remaining Medicare Advantage plans in Troy, Moscow Mills, Winfield, Foley, and many other cities in Lincoln County. We can help you find the plan that fits your needs the best.
Our approach insures you get the correct “fit” for your situation. What we do is take your current doctors, hospitals, prescriptions, and lifestyle and find the plan that “fits”. This allows you to keep all your doctors, have your drugs covered for the lowest possible amount, and reduce the frustration factor! Since we are compensated by whichever insurer you choose, there are no costs or fees for our services.
Give us a call today to make an informed decision on your health care. 636-561-5060