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Allsup's New Medicare Advisor Program Helps People with Disabilities Make Sound Healthcare Coverage Decisions
Date:9/10/2008

insurance as added coverage. However, Medicare supplemental insurance rules make it difficult for those with disabilities to acquire the extra coverage they need because pre-existing conditions often are excluded or have limited coverage.

Medicare Advantage plans, on the other hand, are required to accept most Medicare beneficiaries since medical history cannot be a barrier to enrollment. These plans can be more comprehensive and generally less expensive than a Medigap policy. For example, many Medicare Advantage plans offer additional benefits not covered by traditional Medicare, such as dental care, hearing and vision screening, prescription drug programs and other services that otherwise would only be covered by a Medicare supplemental policy and Part D (prescription drug) insurance.

"We help ensure clients are choosing the best plans for their needs through an understanding of the different healthcare requirements for different disabilities and by asking specific questions about their care," said Gada.

Gada cited as an example, a woman who must take costly prescriptions and would hit the 2008 Medicare "donut hole" once drug costs reach $2,510. She then would be required to cover 100 percent of her prescription drug costs until they reach $5,726.

"Knowing she's going to need these medications, we can identify Medicare Advantage programs with prescription drug coverage, saving her thousands of dollars and ensuring she continues the medications she needs through the 'donut hole' phase," Gada said.

Missouri resident http://www.allsup.com/Medicare-Advisor/Medicare-Advisor-Personal-Story.aspx [Ray Przybylowski], an SSDI recipient who was among the first to use the new Allsup Medicare Advisor program, can attest to the importance of this knowledge. "Allsup took the time to educate m
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Allsup's New Medicare Advisor Program Helps People with Disabilities Make Sound Healthcare Coverage Decisions 
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