Today's Medicare Plans - Medicare Advantage

Today's Medicare Plans specializes in Medicare Health and Prescription Drug Plans (Part- D) for seniors. We provide one-on-one consulation and benefits review. We offer Medicare Advantage, Medicare Supplement and Part-D drug coverage.

We also provide Medicare plans for dual eligible (Medicare & Medicaid) participants and individuals on social security disability for at least two years. We represent a number of quality insurance companies that specialize in Medicare Plans.

Please visit our affliate site www.aboutcentury.com for more detailed information on some of our other retirement services. Please call us at 800-458-7805 to further discuss your needs and to set a time to meet.

Medicare Advantage

There are new Medicare Advantage Plans for 2011. Eligible participants are individuals who have Medicare Part A and B. Medicare Advantage Plans may provide additional medical and pharmacy benefits that are currently not covered by Medicare Part A and B.

Some companies offer Priviate Fee-For Service Medicare Advantage Plans. These plans do not require participants to use a network provider. Fee-For-Service plans are becoming more popular because of flexibility and ease of use. These plans offer nationwide coverage with no referrals needed. Premiums are usually much less than Medicare Supplement plans.

If you stay near home most of the time you may want to enroll in an Health Maintenance Organization (HMO) These plans usually require you to use network providers and you may need a referral to see a specialist. If you decide to enroll in an HMO plan make sure you obtain a list of providers so you can check the quality and availability of Doctors and Hospitals in your area.

One other type of Medicare Advantage Plan is commonly referred to as a PPO Also known as a Preferred Provider Organization. Generally speaking, this is a network program that may allow you to use out of network providers with a higher co-pay or a co-insurance. Rates will vary.

If you decide to enroll in a Medicare Advantage plan the private insurer becomes the primary payer. These plans usually offer additional benefits and lower co-pays than traditional Medicare but you should make sure you choose the right type of plan

Here Are A Few Tips When Choosing This Type Of Plan:

For HMO Plans

Make sure sure the plan has a good sized network of Doctors and Hospitals and whether or not YOUR doctors are in the network.

For PPO Plans

While these plans allow you to use out of network providers you should still check if the local Hospitals are "in network" since using "out of network" services can be very costly.

Make sure to find out if it is a "local" or "regional" PPO and if the plan offers nationwide coverage.

For Private Fee-For-Service Plans

Although you can use these plans at any Doctor or provider that accepts the plans terms and conditions, you should still check to make sure your Doctor or Hospital will accept the plan.