MEDICARE PLANS  FOR  2009

For Medicare Eligible Age 65+ and Medicare Eligible Under Age 65 (Disabled)

Medicare Advantage Plans---Medicare Advantage is a health plan with a Medicare contract.  It includes coverage in Medicare Parts A & B, additonal coverage, plus most plans include Rx drug coverage.  Note: Medicare Advantage is not a Medicare Supplement plan.

Medicare Advantage plans come in HMO, PPO, and PFFS versions.  When considering a plan be sure that your medical provider will accept the plan.

Traditional Medicare Supplement Plans---These plans supplement your Medicare A & B.  Since Medicare does not pay all your hospital/ medical costs,  Supplements pay these "gaps" (deductibles, coinsurance).

There are several Supplement plans available (Plans A-L), with Plans C, F, and G being the most popular. Plans also come in standard, select, and high-deductble versions:

• Standard plans--you may use any doctor or hospital that accepts Medicare.  There are no networks.
• Select Plans-- permit you to use any doctor that accepts Medicare, however you must use certain listed hospitals for non-emergency medical treatment.  The cost of Select Plans are slightly less than Standard plans.  Before choosng a Select plan, be sure a Select hospital is in your area.
•  High Deductible Plans--these plans as those listed above, but you must first satisfy a deductble ($1900 in 2008) before the plan pays benefits.

Medicare RX (Part D) Rx Prescription Drug Plan.

• Available to all Medicare eligible members with Medicare Parts A and/ or  eligible for Part  B.   Certain enrollment periods apply .  Three (3) plans usually are offered.  Deductible and co-pays vary with each plan.

To receive information on any of the above plans, click on the tab below and an information packet will be mailed to you.  No agent will call.