1. Do take the time to research your insurance options -disease. Avoid costly errors and determine if Medicare Advantage, Part D or the original insurance is right for you.
2.. Do not assume that your current policy or the cheapest plan is the best option Your coverage may have increased cost and lower benefits - to open registration a good time to change your policy.
3. Do talk to a health insurance agent about the medications you take and your budget. authorized agents can help you determine which plan may be the best fit and how much you'll pay for monthly medication.
4. Do not think that you should get the same health insurance scheme as your spouse or a friend. Everyone has different needs for health care and to take different medicines. Get the same plane as your friend may not work for you.
5. Do compare benefits between health insurance companies. health insurers offer different services such as prescriptions by mail, online access to your health records and gym memberships.
6. Do not check to see if a plan covers your medications and preferred doctors. Some plans may seem more affordable at first, but if your prescriptions are not covered and you have to pay more to see your favorite doctor then you accumulate up out-of-pocket costs quickly.
7. Do not automatically take information from your health insurance company sends you -. There may be significant changes to read your plan Not everyone likes the scanning of health insurers, but sometimes there are important updates you need to know. For example, an insurer will send you a notice every September about changes to your current plan for the following year. These updates are generally regarding price increases or changes in the level of benefits.
8. Do you subscribe, modify or drop your Medicare Advantage and Part D plan during the open enrollment period. Medicare open enrollment ends at the beginning of this year, December 7, 2011.
0 Komentar