Adler Insurance Offers Prescott Seniors Last Minute Medicare Enrollment tips

As you may be aware there are only a few days left for seniors to make their 2018 Medicare choices. Adler Insurance, your Prescott area Medicare Broker, would like to remind you of some last-minute tips to help you make your decisions before the Medicare Open Enrollment period ends on December 7, 2017.

Figure out your needs - Take time to review your medical and prescription needs for the upcoming year. Do you foresee having to see a specialist next year? Do you expect higher prescription needs in the coming year? Are you currently undergoing treatment that will continue into the next year. Rather than just comparing your current plan to all of the 2018 choices, you should first determine your needs and see which plans best meets those as far as physicians and drug coverage.

Compare all your options - Many people don’t realize that the original Medicare is not their only choice. It is important to compare not only the original Medicare plan, but also Medicare Advantage Plans offered by private insurance companies. By understanding your personal requirements, it will allow you to make the best choice for your situations.

It’s more than just premium cost - Too often people just look at the monthly premium amount when making their decision about Medicare coverage. But it is important to look past this and also consider the co-pays and deductibles for each plan. You may find that the total out of pocket expenses for the year is actually less with a higher monthly premium because more of your costs are covered directly. For example, if you need to see your physician on a regular basis, does the $20 co-pay of the cheaper plan really save you money over the long run versus the No co-pay of the more expensive plan.

Plan ratings - While this should not be a deciding factor, these ratings should be taken into consideration, since we all want the best healthcare possible. However, if your physician does not participate in a 5 star group, you may choose to find a plan that your doctor does participate with because you know and trust your doctor. Or if a 5 star plan does not cover a prescription you take on a regular basis and another plan does, that may also affect your decision.

If this all seems overwhelming, you are not alone. Because there are changes every year, it is hard for an individual to keep up with all of the options. Thankfully, we are here to help you go through the options and avoid making costly mistakes. To find out more about your choices for Medicare Insurance in Prescott, contact Adler Insurance at 928-710-1455, or on the web at: http://www.adlerlifehealth.com.

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Don't procrastinate during medicare open enrollment in Prescott - Get the facts from Adler Insurance

Medicare is a great program that provides health coverage for many Americans, but it is complex. Because some parts change every year, you might need to make some changes to make sure you are covered in the coming year. Adler Insurance, your local Prescott Medicare broker, brings you this warning about procrastinating during the Medicare Open Enrollment period.

Changes are a constant in life, sometimes these changes are unpredictable, Medicare Open Enrollment is not one of these however it does not last very long. October 15th to December 7th is the only time you have to adjust your coverage for the next year. It’s important to get things right during this window.

Review your premiums and prescription coverages. Every plan is required to send a notice of changes to participants every year. This notice usually comes in September and lists all of the changes. It can be extensive, so you should start reviewing this notice as soon as it arrives.

Comparison shop for better rates and coverages. If you have reviewed all changes to your plan and find no changes that affect you, you can count yourself lucky. However even with no adjustments, you should use this time to shop for other options and deals, you never know what you might find.

Medicare Part C, or Medigap, or Advantage Plans. Don’t find yourself with a huge surprise next year! These items can change year to year and you should look at these closely. Do you have a doctor you like? We suggest also contacting your doctor or supplemental plan and confirm they are still in the network.

If all of this seems overwhelming, you should ask for help, Medicare brokers can be great councilors during this time of the year. Don’t be late! The December 7th deadline is strictly enforced. There are only very specific situations where changes outside this time of year can take place. Don’t assume you may be allowed to make changes during any other point of the year.

Need help? Adler Insurance offers Medicare Open Enrollment assistance in Prescott and surrounding areas. We help you get the best possible coverage although you must call soon to schedule an appointment. December will be here before you know it. Contact Adler Insurance today by calling 928-710-1455 or visiting http://www.adlerlifehealth.com/ for more information on how we can help.

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