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Michigan Affordable Health Insurance, Your Affordable Health Insurance in Michigan.

Medical Coverage for Seniors:

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For medical coverage you have a choice of a Medicare Supplement plan or a part C Advantage plan of some sort.  There are many choices for 2010 and many plans have been eliminated.  If your plan is one of those, you will have only Medicare coverage with no supplement or gap coverage unless you act before the end of the year. Affordable Health Insurance in Michigan

From what I have seen, the rates, at least in Michigan, have gone up drastically for all the part "C", or Advantage Plans.  From what I have seen so far, there is only a couple of choices that make sense this year when it comes to cost vs. coverage.  Call me at 248 650 3535 so we can see which direction works best for you. Affordable Health Insurance Michigan

Medicare Part "D" Prescription coverage for Seniors:Affordable Health Insurance Michigan

Medicare Part "D" is offered by private insurance companies only.  It is not purchased from Medicare as many believe but may be deducted from ones social security check like part "B".  Open enrollment begins Nov. 15, of each year for a January 1 effective date.  Enrollment is optional, but there is a 1% premium penalty for each month you wait beyond the date that you first become eligible, which is age 65 for most individuals.  And that penalty will stay enforce for as long as you remain in Part "D".  Those just turning age 65 do not have to wait till the open enrollment period to sign up.  Affordable Health Insurance Michigan

If you have a traditional Medicare supplement plan that includes prescription (for example, plan H, I or J) than the penalty will also apply if you wait beyond the deadline.  If you have one of these plans you must change to a different plan before you can add Part "D".    Before you choose a plan make sure you understand how your drugs will be covered.  Each Part "D" drug plan will have a government approved list of drugs it covers, called a formulary or a preferred-drug list.  This list will vary from company to company.  Affordable Health Insurance Michigan 

There will be many variations of the base plan available but this is how the base plan will work in general.  First there will be a $305 deductible where you pay 100% of the cost.  Until you reach $2780 total cost you pay a portion.  then you have no coverage unless you happen to have a plan that covers generic drugs in the gap until you reach a total of $4550 in total cost.  At this point you have at least 95% coverage for the rest of the year.  Insurance companies can offer improvements to this such as a flat co-pay instead of a percentage, and many will offer reduced cost for ordering through their mail order system.  Another option many companies will offer is having no deductible and "gap coverage" if a generic is used.  Many companies will also offer the choice of co pays for both generic and brand drugs.  For example $2 for preferred generic and $20 for preferred brand.  Affordable Health Insurance Michigan

If all this is just too confusing, just give me a call and tell me what your situation is and I will tell you what your choices are.  If you wait beyond the date that you first become eligible to enroll, you will pay a premium penalty of 1% per month or 12% per year with no ceiling.  You will pay the penalty for as long as you have the plan.  Since one can't predict the future, I can't justify anyone taking such a risk.  Call me at 248 650 3535

Richard R L Evans

Michigan Affordable Health Insurance, your Affordable Health Insurance Michigan.lth Insurance Michigan