Are You Ready For Open Medicare 2012/2013 Registration?
The first step is to reevaluate your health care needs. Check your current drug prescriptions and how often you visit your healthcare professionals. Have you received any notice from your plan provider about changes to your plan? Make a list of your current medical needs and everything that has changed since the last time you signed up for your Medicare plan.
Even when you want to maintain your current coverage, it may be time to make a change to your plan because a similar plan may offer even more benefits or lower costs. Because competition in the Medicare insurance industry between private insurers is strong, the plan’s benefits and premiums change constantly, which benefits consumers. Therefore, compare your list with other Medicare advantage plans available in your area by thoroughly checking all benefits and costs. Be sure not only to compare monthly premiums, but also consider your total costs, including all deductibles, copays and coinsurance! You can start your search at Medicare.gov or by contacting a licensed Medicare insurance broker.
If you decide to look for a Medicare specialist, it is best to find one that is independent of a specific health insurance company so that he can offer you the full spectrum of plans available. These consultants may also be more motivated to find a plan that works best for you, while an insurance agent can pressure you into one of two or three plans you have for sale. While it is generally a good idea to ask friends and family for recommendations, keep in mind that medical needs are very individual and that a perfect Medicare plan for them may not meet your health care needs.
To make the right decision, you also need to know the differences between Medicare Advantage plans and Medicare supplemental insurance. There is no size for everyone. For some, for example, those who do not see their doctor as often, best Medicare Advantage plans may work better, while for others, especially older people in rural areas with a limited number of healthcare providers, a supplemental O Medicare with a wide range of doctors could be better, although it may cost a little more. This is where you can save money by evaluating all currently available plans and comparing them to your current medical needs. Medicare’s variety of plans makes the choice complex, but if you want to find the best Medicare plan for your individual needs for 2013, feel free to compare the benefits and contributions of the plan during your Medicare 2013 open enrollment period.