R&R Insurance is one of the largest independently owned insurance agencies in the Midwest.
(prHWY.com) July 26, 2012 - Waukesha, WI -- Waukesha, Wisconsin - The Medicare Annual Enrollment period is the time during which senior citizens become eligible for Medicare products or, if previously enrolled, can select different products. This year, enrollment runs from October 15 to December 7. With a variety of coverage options available, it is wise to enter the shopping process armed with background knowledge on each product. The team at R&R Insurance, a leading provider of Wisconsin Medicare Supplement insurance, clarifies some of the
Wisconsin Medicare details that have raised questions among senior citizens:
* Is an HMO a wise choice? - In regard to Medicare specifically, a Health Maintenance Organization (HMO) plan can indeed offer advantages to Wisconsin 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.
* From brand name to generic drugs - Those reviewing Wisconsin 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.
* 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.
* 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 Wisconsin Medicare 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.
In-depth guidance for selecting the most suitable Medicare plan for your medical needs and budget is available. The team at R&R Insurance can provide you with customized assistance. To begin the process, visit
www.MyKnowledgeBroker.com to obtain free quotes via the agency's instant quote engine.
About R&R Insurance
R&R Insurance is one of the largest independently owned insurance agencies in the Midwest. Consequently, the agency has access to top rated carriers and coverage options. The team at R&R Insurance takes pride in working closely with clients to help them select the best health insurance plans for their lifestyle.
Contact:
R&R Insurance Services
1581 E. Racine Ave
Waukesha, WI 53186
Phone
262.574.7000
800.566.7007
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