Health Insurance Plans For Seniors Expand!!!

Health insurers are promoting a new type of Medicare coverage for seniors in 2008 that potentially offers better coverage than traditional government-sponsored Medicare. The new plans, called private fee-for service, also raise questions about the long-term direction of Medicare because they cost more than traditional coverage but are not held to higher quality and efficiency standards.

Under traditional Medicare, seniors choose their doctors and hospitals, and are typically responsible for 20 percent co-pay regardless of the service. The government handles the billing. Private fee-for service is similar, except the plans are set up and administered by insurance companies. Co-payments are often lower than 20 percent, and insurers sometimes add benefits.

Though they have proliferated nationwide since the Medicare Modernization Act was passed in 2003, there were not any private fee-for-service plans until January. The pitch to seniors is that the private plans offer more benefits than traditional Medicare, such as coverage for dental, vision, and hearing services.

They also do not restrict members to particular doctors or hospitals. They also do not require subscribers to choose a primary care physician or get a referral to see a specialist. For 2008, many Health Care companies are expanding their fee-for service plans to members throughout the country.

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