Medicare Annual Enrollment 101 for Senior Citizens

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Virginia Beach, VA (prHWY.com) July 26, 2012 - Virginia Beach, Virginia - If you are a senior citizen not yet enrolled in Medicare or looking to switch products, then you do not want to miss out on the Medicare Annual Enrollment period. From October 15 to December 7, senior citizens become eligible for Medicare products or, if previously enrolled, can select different products. It is important to enter into shopping process with at least a basic knowledge of the various products available, though working with an agent is the ideal option. The team at Schleh Benefits Resources , a leading provider of Medicare insurance in Virginia, clarifies some of the Medicare insurance Virginia details that have raised questions among senior citizens:

* From brand name to generic drugs - Those reviewing Medicare insurance Virginia coverage 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.

* Is an HMO a wise choice? - In regard to Medicare specifically, a Health Maintenance Organization (HMO) plan can indeed offer advantages to Medicare insurance Virginia 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.

* 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 Medicare insurance Virginia 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.

The licensed agents at Schleh Benefits Resources can provide you with in-depth answers to all of your Medicare coverage questions. To begin working with the team, visit
www.OnlineHealthPlanQuotes.com to obtain free quotes via the agency's instant quote engine.

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www.OnlineHealthPlanQuotes.com is committed to providing consumers and business owners with the resources, information, tools and solutions they need to find the best available insurance plans on the market. 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: bschleh.sbr@cox.net
2245 Haversham Close Rd
Virginia Beach, VA 23454
Phone
757-226-0011
866-855-1110

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