Natural health supplements michigan
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The Health Insurance options for those on Medicare are very confusing. For those enrolling in Medicare for the first time, the time-line for doing this is from three months before the month one turns age 65 till the end of the third month after the month one turns age 65. It is during this period of time that one wishing to sign up for a medicare supplement plan or an advantage plan may do so without concern for medical conditions. If one tries to enroll after this open enrollment window, you may be declined acceptance into a medicare supplement plan and may have to wait till the next annual open enrollment period for an Advantage or prescription plan, which is from November 15 to Dec. 31 of each year.
Keep in mind there is no requirement to enroll in any Advantage, Medicare Supplement or Prescription plan. However, if one elects not to enroll in a prescription plan when eligible, and you do not have another credible prescription plan, you will have to pay a 1% penalty for each month that you wait to enroll in such a prescription plan in the future. The 1% penalty is figured on the cost of a base plan. Also be aware that the penalty is payable for the rest ones life.
The following is important for those concerned about their access to affordable Health Insurance and the most appropriate health plan. If you elect to get an Advantage Plan instead of a supplement plan, you may not be able to change and go back to a supplement plan if you develop a medical condition. The only thing that will let you go to a supplement plan is if your Advantage plan is canceled or eliminated for some reason (other than something that was your fault) or if you move out of the plans service area for your current Advantage plan. This is very important to keep in mind as an Advantage plan may become more expensive and limit some of you health insurance options. It is my recommendation to go with a supplement plan instead of an Advantage plan if at all possible. Remember that supplement plans do not include Rx coverage.
For those that just don’t have the funds for a supplement plan, there are HMO plans available in most areas now that offer zero cost options. I am not a big fan of HMO plans, but if you just don’t have the funds it may be the way to go. Just be aware of the limits of your HMO plan and if and when you are allowed to go outside your network of doctors and hospitals.
For those over age 65 in Michigan and looking to make a change in your Health Insurance plan, this year may be a good time to go back to the supplement plan, as many of the private fee for service plans in Michigan have been eliminated for 2011. Most insurance companies have moved away from plans with no network of doctors or hospitals to HMO and PPO plans. If your plan has been eliminated you are able to go back to a supplement health insurance plan.
The two major reasons to go with a supplement plans instead of an Advantage plan is the freedom to choose your doctor and hospital, also many of the supplement plans pick-up all the costs that Medicare does not pick up. When you choose a supplement plan check out which ones pay for your Hospital deductible and which ones pay your deductible for doctor visits. Remember you will have to enroll separately in a prescription plan too. If you don’t take many medications now you can go with a basic plan for now. Each year one can change his prescription plan.
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Richard Evans is owner and Health Insurance agent for Affordable Health, Life and Annuity Services. He specializes in individual and group plans and has been in business for over 22 years. He is located in Rochester Hills, Michigan. Richard has a BS degree in Finance and Accounting from Lawrence Technological University in Southfield Michigan. He holds licenses for both Life and Health Insurance and has held securities licenses in the past. He passed on keeping his securities license in 2010 as he discovered better ways to protect and grow his clients assets. He likes his customers to think of him as their “Safe Money Man” and their “DreamProtector”. The products that he markets do one or both of these things, thus the name of his Agency, DreamProtector Agency LLC. His web site is http://www.MyAffordableHealth.com Article Source: |
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Timber sale planned for two county parks – Allegan County News
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Timber sale planned for two county parks
Allegan County News The real goal is to combine money from the timber sale with fee revenues and use it to match grants from the Michigan Natural Resources Trust Fund. … |
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Walt’s Health Foods and Specialty Shop located in historic downtown Jackson, Michigan has been committed to helping, educating, and servicing the Jackson community …
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North Kitsap Family Practice & Urgent Care announce new staff additions
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Timber sale planned for two county parks – Allegan County News
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Next Generation Organic Dairy Launches New Organic Probiotic Cheese
âThe Probiotic That Can Take Itâ Mondovi, WI (PRWEB) September 16, 2008 Next Generation Organic Dairy, a Wisconsin dairy that makes cheeses made only with certified organic raw milk, today announced the introduction of a new line of gourmet, probiotic-fortified cheese and cheese sticks. The new line …
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Provides unbiased information for consumers on natural health and medicine, including vitamins and supplements.
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How Much Do Michigan Medicare Supplements Cost | CosmEPIC
MedicareInsuranceMichigan.info Beau Bess 269-979-8600 Free Videos on commonly asked questions about Michigan Medicare Supplement Insurance. How much do medicare supplements cost? We can assist you with all your insurance needs. …
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