Health Insurance Blog

The article “How Do You Choose the Best Medigap Policy” found on Todaysseniors.com, shares some helpful information for today’s senior citizens when choosing Medicare suppplement insurance.

There are dozens of Medigap plans out there, from UnitedHealth Care’s Secure Horizons, to AARP so it’s hard to tell what is the best value.  The good thing to know is that with each Medicare supplement plan, benefits are the same with each company.  Salesmen may try to imply otherwise, but this is mandated by the government.  Premiums can vary significantly though, so it’s important to shop around. 

The most ideal time to shop around for a Medicare supplement insurance plan is during the first 6 months after enrolling in Medicare Part B.  This is the time where insurance companies have to accept you regardless of any pre-existing conditions.  Paying a high rate for a standardized Medicare supplement plan will not get you anything more.  Their benefits are the same and so are their claim filing requirements.  Familiarize yourself with each of the different plans, understanding that Plan A has the fewest benefits with the lowest cost whereas Plan J has the most benefits and is the most expensive.

According to the article “Two Medicare Programs Are Leaving Amarillo” found on connectamarillo.com, Secure Horizons and Physicians Health Choice are leaving the city. 

Members who were part of these plans and wish to remain on Medicare still have options.  The Area Agency on Aging is offering help to these citizens.  They are offering advice and guidance free of charge to those who need help.  Lisa Hancock is a volunteer for the Agency and told Pronews 7 that they try to help find a plan that will cover prescription costs because Medicare often does not. 

Open enrollement for prescription drug and health plans through Medicare goes through the end of December.  If you need assistance you should contact your local Area Agency on Aging.