(NewsUSA) – If you’re one of 56 million Americans eligible for Medicare, it’s important to understand coverage options when selecting your health plan for 2020.
Research can take time, and many people find working with a licensed health insurance agent helpful when deciding between Original Medicare, Medicare Advantage plans, Prescription Drug Plans and Medicare Supplement plans. Answering these three questions can help you make an informed choice during the Medicare Annual Election Period, October 15 to December 7:
Are my doctors, hospitals and specialists in network? Most Medicare Advantage plans offer online tools to help you find doctors and hospitals that are in a plan’s network. A licensed agent can also help you look up hospitals and doctors to see if they’re in a plan’s network and taking new patients, and confirm what’s in network if you’re a seasonal resident
Which plans will cover my prescription drugs? Original Medicare does not cover most prescription drugs. Many Medicare Advantage plans include prescription drug coverage, or you can sign up for a Part D Prescription Drug Plan separately. A licensed agent can look up the medications you would like covered and help you estimate what the cost of each drug would be on a plan.
Are there new, innovative benefits I should consider? Beyond vision, hearing and dental coverage, if you aim to become healthier, look for fitness program benefits as many Medicare Advantage plans offer a gym membership. If you travel or appreciate technology, virtual doctors are helpful services when you can’t see a doctor right away. Most Medicare Advantage plans now offer transportation to doctor appointments and the gym.
Resources are available to help you in this process, including licensed sales agents, local seminars, and websites such as medicare.gov and humana.com/Medicare. You can also call 1-800-MEDICARE (1-800-633-4227) (or TTY: 1-877-486-2048) 24 hours a day, seven days a week, or call Humana at 1-800-213-5286 (TTY: 711) 8 a.m. to 8 p.m. local time seven days a week.
Humana is a Medicare Advantage HMO, PPO, and PFFS organization, and stand-alone prescription drug plan, with a Medicare contract. Enrollment in any Humana plan depends on plan renewal.
Because it took a while to write my latest book –Thunder Prime, Hunter’s Light – you might think the process was a real drag. SO not so. Part of the problem was a tendency to go down divergent paths that complicated a basically simple story. I don’t think I’ll write another Thunder Prime novel, but in Hunter’s Light, there are a couple of characters with their own stories to tell. We shall see.
Between Bawdy McClure and Hunter’s Light, I published two novels – Finding Family and Blind Curve – and two chap books of poetry. In other words, I have not been idle, I’ve just had a dickens of a time focusing. For quite a while I wrote with some frequency on One Roof Publishing, also my author website, consequently the actual NAME of the site, but for the last three months I’ve been doing other things. Now it’s time to do the thing I most want to do, write and publish.
I’m reminded regularly that it’s a no-no to ask people to buy my books. The blogging gurus say to provide worthwhile content that serves the greater good. I don’t mind that, but guess what, I’m a writer. The only way I am compensated for my work, is when you buy my books. So, please, buy my books.
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