Medicare Open Enrollment
It’s that time of year again. The 2016 Medicare Annual Election Period, aka Open Enrollment 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.
Like prior years there will be
many changes in 2016. Plan designs, copays
and formularies have changed, as well as premiums and benefits. Many doctors have changed which plans they
will and will not accept. So now is a
good time to review your coverage.
Have you been to my website? You have the ability to shop and compare
plans on my site. Please take a test
drive; I think you will like it. ALLSTARFinancialInsurance.com.
Once on the site, look on the top menu bar you will see
section titled Senior Solutions. There you will find information regarding
Medicare Advantage, Medicare Supplement, and Part “D” Prescription Drug Plans. Request a no-obligation Medicare Report that
compares plan choices and rates.
In 2016 I will be able to help you with the following
companies offering Medicare Advantage Plans.
Premera Blue Cross is a strong provider. There product offerings
this year include a $0 premium HMO and there HMO-POS plan that gives you the freedom to see out of network providers without referral. Premera Blue Cross is
a recognizable and trusted name in health insurance and in the Puget Sound.
HUMANA has remained a strong provider of coverage. They will continue to 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.
SoundPath offers excellent benefits and coverage. They offer a variety of plan options including
a $0 premium option. They also offer an
option with Generic Drug Coverage in the Coverage Gap.
Amerigroup Classic HMO is a plan option I have added to my
portfolio this year. It is a $0 premium
option with excellent benefits. It is
worth taking a look at.
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.
Do you have friends or family
members that receive Medicaid? The best
indicator is if they have a blue, State of Washington Services Card (Provider
One), in addition to there Medicare ID card.
Molina and Amerigroup are excellent choices for
people who receive both Medicare and Medicaid.
These plan offer benefits that make them very attractive.
Most of these plans include the
famous Silver Sneakers program which gives you a health club membership to
places like 24 Hour fitness, LA Fitness, 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) Regence & Premera remains an excellent choices.
Since I am a broker for these
plans I can assist you in obtaining the coverage that is best for you.
This year, I would like to ask
you for a favor. Would you please share
my name with 3 of your friends or family members that would like some help
figuring out there Medicare options? They
can call me at 206-227-6677 or send an email jr@allstarfinancialinsurance.com
.
Illness and Injury always
happen when you least expect it and when they do happen it can be expensive.
Hospitals and Doctors are costly, so are lost wages. At ALLSTAR I help
businesses and individuals with Medical, Dental, Medicare, Life, Disability and
Long Term Care Insurance. I'm a broker so I do the shopping for you to save you
time and money, and since I've been doing it since 1993, I have the expertise
to answer your questions.
It is my pleasure of provide excellent service
God bless you and have a great day
206-227-6677
