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Healthcare Reform, Coverage Changes Highlight Key Questions for Medicare Annual Enrollment Season, Allsup Says
Date:10/12/2009

crease for some Medicare Advantage and Medicare prescription drug plans.

The average monthly premium for Medicare Advantage plans will increase by $7 to $39. However, nearly 87 percent of Medicare beneficiaries have access to Medicare Advantage plans that do not require additional premiums. Additionally, more Medicare Advantage plans available for 2010 will cap out-of-pocket costs to $3,400 or less, providing beneficiaries with an added protection against unexpected costs.

The average monthly premium for prescription drug coverage (Part D) also will increase by $2 to $30. Most Medicare Advantage plans include prescription drug coverage, so this increase generally applies to only those choosing traditional Medicare with an additional prescription drug plan.

4. Why would I want to change plans?
Reasons people change plans include:

 
  • You are unhappy with your existing coverage or provider;
  • You are experiencing changes in your health;
  • You expect changes in medical needs for the coming year; or
  • Your current plan has changed and no longer meets your needs.

As with other insurance, you should shop around at least every few years to ensure you are getting the best value. “Take a look at your costs for 2009. What did you pay for your premiums, co-pays and deductibles?” asked Gada. “Then consider whether your coverage matched your needs. Did you have a hospital stay? Did you make several visits to your family doctor, or did you visit specialists, too?

“If your costs were too high or you paid more than you expected to, then you owe it to yoursel
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Source: PRWeb
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