The problem is, should a medical issue arises, you may be locked into the smaller network of physicians/facilities until Medicare’s Annual Open Enrollment. If you’re having trouble paying for prescription drug co-pays and your income/assets are low enough, you may be eligible for Extra Help through social security. A good insurance agent will bring this up. By obtaining help with your medication, you can choose the best Plan based on other options (the size of their network, authorization rules, physician/facility convenience, additional optional benefits, etc.)
Choosing a Plan can be completed at https://www.bestmedicaresupplementplans2019.com/because you want a PPO Plan and not an HMO is also a mistake and the solution is for many people are under the misconception that with a PPO Plan, they can go to any doctor/facility they choose. In actuality, PPO Plans still have a network of doctors/facilities you must stay in to obtain the lower costs. The biggest difference between a PPO and HMO is with a PPO, you will not have to obtain a ‘referral’ to see a specialist. With an HMO, you must obtain a referral. To be able to choose ANY physician/facility in the country that accepts Medicare, you should consider a Medicare Supplement Plan.
Medicare Supplement Plans 2019 will still see mistakes and solutions when it comes to choosing Medicare Advantage Health Plans. There are additional varieties of Plans, and may be additional challenges. What happened to my client, you ask? Since I keep in constant contact with my clients, in June I was overjoyed to hear him exclaim the great news. With the same test that was denied by his previous Medicare Advantage Plan, two physicians from a major Los Angeles medical group pinpointed the problem. He was slowly leaking spinal fluid and was dangerously close to having none remaining. With a quick out-patient procedure, they basically laser-glued the leaking area, replaced his spinal fluid and he is healthier, happier and better than ever! Since he is now well, we’ll be reviewing his coverage during Medicare’s Annual Open Enrollment.
As an insurance agent for many years, I have stories like this and many more. With compassion, our profession helps to navigate the best options, explain the pros/cons based on our clients’ individual needs and offer peace of mind. Plans change every year and your health/financial status may change also, therefore it is a good habit to make a comparison each year. In closing, choose a good, local, independent insurance agent, be educated.