Healthy, but uninsurable

I was recently talking to a woman who is 62 years old and “uninsurable”.  You’d never know it to look at her, but she cannot get health individual insurance, no matter how much she is willing to pay.  Paula M wanted to leave [...]

Medicare Advantage: billing problems

Medicare Advantage plans are run by insurance companies and they are complex. Rules must be followed and enrollees must stay in network, or they will face complicated billing problems.  Sometimes, when you call the insurance company, they don’t [...]

Busy, Busy, Busy

Sorry I haven’t written all week, but I’ve been very busy talking to seniors about their Medicare Advantage plans and their Medicare options.  With big changes to certain plans, people are confused and unsure about what they should [...]

Who knows the answers to Medicare questions?

I was talking to a client this afternoon who had just attended the Pima Council on Aging (PCOA) Annual Medicare program.  The program provides an overview of choices available to Medicare beneficiaries and highlights changes in Medicare Advantage [...]

Medicare Annual Election Period: Why it’s important

November 15th   to December 31st is the Medicare Annual Election period.  This is an important time for a number of reasons. Part D: If you have a stand-alone Medicare Part D plan (that is not part of a Medicare Advantage plan), this is the [...]

Medicare Advantage: Why $0 premium?

Health Net has upset many of the members in their Medicare Advantage plans by announcing a $36 per month premium for their Ruby 1 plan in 2010.  Seniors in Arizona are accustomed to paying nothing for their Medicare Advantage plans, plans which [...]

Healthcare Reform: So close, and yet so far away

The healthcare reform bill that was narrowly passed by the House of Representatives on Saturday night includes provisions that would take effect in as early as 2010. – Private insurers could no longer deny anyone coverage based on preexisting [...]

Cataract surgery: $8,691 or $618?

How much does cataract surgery cost?  It depends on your insurance coverage and whether or not you go to a doctor “in-network”. The information below is from a recent survey of America’s Health Insurance Plan members.  The “billed [...]

Shingles vaccine, anyone?

Shingles, according to the Centers for Disease Control, is “an extremely painful and debilitating rash that can lead to more serious complications.” The signs of Shingles are usually a rash on one side of the body, and you’re [...]

Medicare Advantage cancellation can mean opportunity.

Cigna, Secure Horizons, and Coventry are cancelling their PFFS plans in Arizona as of January 1, 2010.  Health Net is cancelling its PPO Violet plan in Arizona as well. People in these plans should have received their cancellation letters [...]