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Are you taking advantage of a great break that exists in the next few months of 2010 and later in 2011 with active Medicare Advantage members? You'll notice 1000s of Senior citizens around the country who continue to be Medicare Advantage members as the New Year rolls in, but may want to alter their status. Are you ready to help these disadvantaged citizens?Medicare Advantage members are in their annual Open Enrollment Period from Jan. one to March thirty one. This period applies to those who are currently Medicare Advantage members or people who want to be a Medicare Advantage member. They will have the option to change in or out of a Medicare Advantage Plan, but cannot sign up in Medicare Part D Prescription drug protection for the 1st time, drop Part D, or replace 1 stand alone Part D prescription plan to a different one.Seniors, who retained Medicare Advantage coverage for 2010 can discover a number of changes this year. They can pay higher deductibles and copayments, which implies increased out-of-pocket expenses. Fewer doctors and hospitals may be in their network this year, so getting the care they need can not be as convenient as in the past. Staying with a Medicare Advantage plan may result in higher overall costs for the policyholders. Feels like several good reasons to switch!With the unpredictability of Medicare Advantage Plans, many Medicare Advantage members may choose to change during this 3-month period to Original Medicare and a traditional Medicare Supplement. The guaranteed renewability of a traditional Medicare Supplement is highly desirable. Their Medicare Advantage policy isnt guaranteed renewable, and they could easily find themselves losing insurance at any time in the future if their insurer decides to withdraw from the marketplace.Throughout the Open Enrollment Period, Medicare Advantage members and those who want to join Medicare Advantage retain these alternatives: If the Medicare Advantage member has a policy that includes drug protection, they may change to a different Medicare Advantage policy that includes drug coverage or to Original Medicare and a traditional Medicare Supplement and purchase Medicare Part D Prescription Drug coverage. If the Medicare Advantage member has a Medicare Advantage plan without prescription insurance, they may switch to a different Medicare Advantage policy without prescription insurance or to Original Medicare and a traditional Medicare Supplement, however can not obtain Medicare Part D Prescription Drug protection (until the Part D enrollment period in Nov.). Senior citizens who own Original Medicare and a traditional Medicare Supplement and Medicare Part D Prescription drug insurance may switch only to a Medicare Advantage plan including drug protection. Seniors who hold Original Medicare and a traditional Medicare Supplement however not Medicare Part D Prescription drug protection may change only to a Medicare Advantage policy devoid of prescription protection.With nearly 10 million Senior citizens becoming eligible for Medicare over the following 5 years, promoting traditional Medicare Supplements is intelligent. Medicare addresses merely a part of a Seniors healthcare overheads. Since Medicare recipients with health conditions can expect a 60 pct expansion in annual health care expenses over their healthier counterparts, it is important for every Senior to have a superior Medicare Supplement to insure what Medicare won't.
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