Senior Healthcare Benefits Group works closely with clients on an individual basis to help each senior citizen to select the best coverage for their lifestyle.
(prHWY.com) July 26, 2012 - Melville, NY -- Melville, New York - With the Medicare Annual Enrollment period set to kick off October 15 and wrap up December 7 this year, a number of questions have been raised about how the June ruling on the health care reform law might affect Medicare coverage. There are other Medicare related issues that have senior citizens confused as well. The team at Senior Healthcare Benefits Group, a leading provider of
Empire Blue Cross Blue Shield Medicare plans, addresses some of the New York Medicare details that have caused confusion:
* 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
New York Medicare options. Empire Blue Cross Blue Shield 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.
* 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.
* From brand name to generic drugs - Those reviewing New York Medicare 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.
* Is an HMO a wise choice? - In regard to Medicare specifically, a Health Maintenance Organization (HMO) plan can indeed offer advantages to New York Medicare 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.
The licensed agents at Senior Healthcare Benefits Group can answer your Medicare related questions in further detail and help guide you towards the most suitable coverage for your medical needs and budget. To begin, obtain free quotes via the quote engine at
www.FindPlansNow.com.
About Senior Healthcare Benefits Group
Senior Healthcare Benefits Group works closely with clients on an individual basis to help each senior citizen to select the best coverage for their lifestyle. The company serves the state of New York and has established partnerships with top rated Medicare providers including First United American, Humana and United Healthcare. The agency offers Blue Cross Blue Shield plans, one of the most popular coverage options for senior citizens.
Contact:
200 Broadhollow Road, Suite 207
Melville, NY 11747
Phone:
631.393.5019
1.855.FINDPLAN (346.3752)
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