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Monday, January 03 2011

2011 Medicare Changes

As everyone recovers from over eating and too much family time, we look up and see that yet another year is upon us. For most, New Year’s resolutions have been set with hope that they will last the full year. One of the most popular New Year’s resolutions for most individuals deals with their money. Either spending less or saving more, no matter how you look at it, more money in your pocket is a better way to start off any year.
When it comes to Medicare and this time of the year, there always seems to be misconceptions of what can actually be done, compared to what rules are set. Take the Annual Election Period for example. This time ran from November 15th to December 31st of 2010. This was the period that if you needed to make changes to you Medicare Advantage Plans or you Medicare Part D Prescription coverage for the next year, that the government set aside to do so. A lot of people called this time the Open Enrollment Period, which was January 1st to March 31st to allow individuals to make one like change in regards to either their Medicare Part C or Medicare Part D coverage.
The Open Enrollment Period has actually been discontinued for the 2011 season, only leaving what is now known as the Annual Disenrollment Period, which goes from January 1st to February 14th of 2011. Now, the Centers for Medicare and Medicaid Services has allowed this period for individuals to disenroll from a Medicare Advantage Plan and go back to Original Medicare. If you find yourself as making this switch, you want to make sure that you cover the gaps left by just having Medicare alone. You can view the 2011 Medicare Deductibles, Co-pays and Co-insurance changes on our web site on the Medicare 2011 page.
Protecting yourself against theses unwanted expense is actually simpler than you may think. Choosing a Medicare supplement in Texas can cover all the out of pocket risks left by just having Medicare, depending on the plan you choose. There are actually 10 Plans to choose from that will give you options of different coverage and prices. Keep in mind that all Texas Medigap insurance plans are standardized and that there is no difference in basic benefits, per lettered plan, offered by different insurance companies. The only difference that you will find will be the cost.
With Texas Medicare supplements, you have the freedom to change year round; there is not a specific time of year you have to wait for, even though you may be subject to underwriting. You also have the freedom of choice to see any doctor or hospital nation wide that accepts Medicare. This allows you to not only have the protection you want, but it also allows you to choose where you receive your care.
Texas Medigap insurance companies are always competing for your business, so why not get the best coverage you can at the best rate available? Contact us today for your free comparison of Texas Medigap Insurance Quotes.
Posted by: Cameron Kirchoff AT 04:25 pm   |  Permalink   |  0 Comments  |  Email

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