Medicare Annual Enrollment Time is Almost Here

Insure Saver is a business-to-consumer insurance agency that delivers Web-based, insurance information to individuals, families and small businesses that are in need.

Laguna Niguel, CA (prHWY.com) July 19, 2012 - Laguna Niguel, California - Though some people associate the term "Medicare" with just a few products, or plans, in reality there is a broad range of Medicare coverage available. Senior citizens who are either looking to enroll in Medicare for the first time or to switch products should be aware that the Medicare Annual Enrollment period is approaching. This year, it runs from October 15 to December 7. During this time, senior citizens become eligible for Medicare products or, if previously enrolled, can select different products. With an array of products available, it is important to know a bit about what kind of benefits are available with type of coverage, so that you can decide which plan is most suitable for your budget and medical needs. The licensed agents at Insure Saver Insurance Agency, a leading provider of health insurance in California and Texas, discuss some of the issues related to Medicare that have raised questions among senior citizens:

* Staying within the designated network - Finding a physician who accepts Medicare can be tricky. This is one reason why it is important to work with a licensed health insurance agent when reviewing your health insurance options. Medicare is top rated coverage, yes, but a qualified agent can take a targeted look at the physicians in your local area who are accepting various Medicare plans.

* Is an HMO a wise choice? - In regard to Medicare specifically, a Health Maintenance Organization (HMO) plan can indeed offer advantages to health insurance enrollees. Due to the way they are designed to coordinate health care according to the regulations of the patient's selected health plan, HMOs typically provide a cohesive care delivery system and offer a strong support system for plan holders to manage chronic illnesses.

* From brand name to generic drugs - Those reviewing health insurance are also curious to find out when the brand name drugs they are currently using are slated to be available in generic form, and when the generic version will be available on their Medicare Part D or Medicare Advantage plan. The answer to both questions depends on several factors and usually is not clear until the generic alternative is available on the market. Once a drug is available in generic form, it will be added to the formularies of those plans that are eligible.

* Medicare Part D costs - Prescription drug coverage is essential for many plan holders, as the cost of brand name and even generic medication continues to climb. Medicare Part D is a stand-alone prescription drug plan offering a certain degree of coverage. The cost of the program varies according to each enrollee's circumstances including the prescriptions used, whether or not the prescriptions are covered under the plan and whether or not they are covered on the plan's formulary, which plan is selected and the pharmacy used.

Let the experienced team at Insure Saver Insurance Agency help you select the best health insurance for your individual situation. To begin the process, visit www.InsureSaver.com to obtain free quotes via the agency's instant quote engine.

About Insure Saver Insurance Agency

Insure Saver is a business-to-consumer insurance agency that delivers Web-based, insurance information to individuals, families and small businesses that are in need. Our team of highly trained, dedicated and fully licensed agents is ready and eager to help insurance shoppers navigate the insurance process to find the right policy for their coverage needs and budgets.

Contact: dan@insuresaver.com
30012 Ivy Glenn Drive #220
Laguna Niguel, CA 92630
Phone
949.429.7000
800-366-2751
FAX
949.429.7077

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