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Please keep in mind!!

Posted on November 12, 2012 at 8:09 AM Comments comments (0)
One thing we've been coming across during this Medicare AEP (annual enrollment period)-- PLEASE remember that if you have an MAPD (Medicare Advantage Plan with RX), you CANNOT then take out a stand-alone prescription drug plan.  Many people are getting mailing after mailing in their mailbox, soliciting a RX (Part D) plan.  If sign up for a RX plan, it will automatically knock you off of your MAPD plan, and you will have NO medical coverage come January 1! 
If you, or someone you know, has mistakenly done this, it is not too late!  During AEP, you can switch again back to what you had, and the last thing you sign up for during AEP is what will take effect January 1. 
We realize it can all get very confusing.  Please contact us if you have any questions at all- the last thing anyone wants is to not have the proper coverage in place come January 1st!   

Medicare Advantage for 2013

Posted on October 1, 2012 at 1:46 PM Comments comments (0)
It is that time of year again...time to take a look at your Medicare Advantage and Prescription Drug plans and see what changes are on the horizon.  If you haven't already received a letter stating your plan changes for 2013, you will be shortly.  For some, depending on the plan you are currently enrolled in, there is increased out-of-pocket costs, an increased brand prescription deductible, and a premium associated with a plan that did have a $0 premium. 
We do have some attractive alternatives that may benefit you, so scheduling an appointment to go over all of your plan changes and the options available to you could be very beneficial. 
Your time period for being able to make any changes to your exisitng plan is from October 15th to December 7th, with those changes becoming effective 01/01/2013.  The upcoming months are going to get a bit crazy, so hold on tight for the ride! 
For those newly eligible to Medicare, you have a lot of choices available to you, and we are very excited to be able to help guide you along the way! 
Contact us today, and make sure you are on the path to an informed and beneficial 2013 benefit coverage year!!