You Are In For A Battle If You Are Looking For Senior Medical Care Insurance Rates!!!

This Thursday marks the official opening of hunting season on the Medicare herd. If you are 65 or older, that is.

For the next six weeks, seniors can switch to a different Medicare plan or keep your current coverage; you can enroll in a prescription drug program or switch programs. This means you will be invited to workshops, inundated with mailings and must each answer the question: "Do I have the right coverage at the most reasonable cost?"

To help us along, the feds recently mailed the 140-page epistle, "Medicare and You, 2008." It is at times helpful, but often a little vague when it comes to specifics. But I guess that is the story of Medicare in general. Will pay, won't pay, will only pay, may not pay, lots of luck to you and your doc.

So here is what I do know. It is imperative that you know that your physician, any specialist you see and any clinic that has specialists you may need to see, will accept the Medicare coverage you can choose.

Right now, there are physicians and clinics that will not accept any new Medicare patients, period. There are clinics that have told their current clinics they will no longer accept certain Medicare Advantage plans.

Recently the Everett Clinic informed 1,200 patients they have until January 2009 to change Medicare Advantage plans or seek care elsewhere. However, there are several Medical Advantage plans this clinic will continue to honor.

There is a distinct difference between Medicare Advantage plans and plain old Medicare parts A and B. With basic Medicare plans A and B, bills go to Medicare, which almost never pays the full amount, so the remainder is paid by your private supplemental insurance or by you.

Medicare Advantage Plans combine Medicare plans A and B in a private insurance plan. There are co-pays for covered services. Rules vary. Some require you to see only doctors and hospitals that are part of their plan coverage. The insurance company handles your claims and pays the bills. Then Medicare pays the company. Like Medicare, these plans rarely pay the actual costs of services billed.

We are here to serve you with international health products to ensure your overall well being. Decide to get your health back on track today! Click here to get discount health products!