The 2015 Medicare Annual Election Period begins October 15
and runs until December 7. This is the
time of year to make changes to your Medicare Advantage or Medicare
Prescription Drug insurance plans.
Medicare is available to people age 65 or older and certain people
receiving social security disability insurance.
This year I am very excited. My new and improved website is more
functional. You now have the ability
to shop and compare plans on my site.
Please take a test drive; I think you will like it. www.ALLSTARFinancialInsurance.com
There will be many changes in
2015. Many plans have changed benefits.
Some have been discontinued. Rates have
changed (the UnitedHealthcare AARP plans has increased its premium) and many
doctor's offices have changed which plans they will accept. So now is a good time to review your
coverage.
Premera Blue Cross is a strong
provider. They offer 4 plan choices including a $0 premium option. Premera plans do not have a prescription drug
deductible. Blue Cross is a recognizable
and trusted name in health insurance.
HUMANA has remained a strong
provider of coverage. They are one of
the few companies that offer a PPO, which means "no referrals". They also offer a $0 premium plan, and the
Humana network of doctors which was already large has grown quite a bit. Humana also offers an Over the Counter and
Transportation benefit, as well as a 4 star rating.
This year I have added a couple
of programs to my list of companies.
SoundPath offers 4 plans
choices including a $0 premium option.
They also offer an option with Generic Drug Coverage in the Coverage
Gap.
Molina is an excellent choice
for people who receive both Medicare and Medicaid. Molina offer additional benefits that make it
very attractive.
Regence Blue Shield offers its
Blue Advantage HMO and the Regence Advantage PPO. Regence offers an inclusive prescription drug
formulary, and a large provider network.
Did you know that Group Health
is the only company with a 5 star rating “the highest”? At Group Health they
make medical care easy by having everything in one place. I find them very efficient and
effective. Group Health has also
reduced the premium for many of its plans.
All of these plans include the
famous Silver Sneakers program which gives you a health club membership to
places like 24 Hour fitness, the YMCA, and many more. This, and many other benefits are offered at
no additional cost. That’s why they call
it Medicare Advantage.
For those of you that prefer a
Medicare Supplement, like the popular Plan F Medicare supplement (you like the
idea of paying nothing when you see the doctor) Premera remains an excellent
choice, but Regence has reduced its rates and is very close.
Since I am a broker for these
plans I can assist you in obtaining the coverage that is best for you.
