Senior Medical Insurance Decisions Must Be Made Soon!!!

Seniors should look closely at their insurance plans because many of them are increasing premiums, co-payments and deductibles. Those 65 and older have a lot of information to dig through. Many are a little overwhelmed with their choices in health insurance.

After looking at choices many are picking a private fee service plan. It can be a low cost alternative for many beneficiaries in traditional medicare. The ideal candidate who would look at some plans as a Medicare Advantage program, is someone that's currently enrolled in Part A and Part B and is looking for alternative medical coverage.

Medicare Advantage plans cover both drugs and medical services such as hospital stays and doctor visits. It will definitely benefit a medicare beneficiary to sit down with a license and trained certified representative, and compare their current coverage, to truly determine what's best for them.

If you decide to enroll in AveraAdvantage, you're still in the medicare program. That means you're still entitled to all the necessary health services that are covered. It's important for people to review their medicare plan choices now and choose the plan that best suits their needs. After January 1, most people will be locked into the plan they choose for the rest of the year.

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Ford Retirees Must Choose Senior Medical Insurance!!!

After years of getting generous health insurance benefits, 40,000 Ford Motor Co. management retirees - including about 22,00 in Michigan - are to begin signing up today for Medicare plans in an all-out battle by insurers to challenge the longtime stronghold of Blue Cross Blue Shield of Michigan.

The benefit changes to what is called a Health Reimbursement Arrangement are to take effect January 1. Retired Ford managers or their surviving spouses have until December 31 to sign up for a Medicare plan. Each retiree gets $1,800 and a spouse or same-sex domestic partner gets the same amount, to pay for a year of medical, dental, prescription, vision and other health costs.

ExtendHealth, a San Francisco benefits management company hired by Ford to help retirees choose new plans, gets as many as 3,000 calls for help a day, said Brian Tenner, senior vice president.

Some retirees find that selecting new coverage from hundreds of options is overwhelming. Even highly educated, Web-savvy retirees say the task can be daunting.

ExtendHealth estimates "the average Ford couple will save $400 to $500 a year," Tenner said, by purchasing targeted Medicare plans, compared with what they spent on premiums and co-pays this year. To get those kinds of savings, retirees have to study and compare notes.

Several insurers, particularly Health Alliance Plan of Detroit and Humana Inc. of Louisville, Ky., see the Ford retiree pool as a big opportunity to pick up business from Blue Cross, the state's largest insurer, with 4.6 million members.

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