THIS INFORMATIVE WEB SITE IS PRIMARILY FOR GENERAL INFORMATIVE PURPOSES TO THOSE ON, OR, NEARLY ON MEDICARE. 

THERE HAVE BEEN MINOR CHANGES TO DATES FOR SERVICES OR OTHER CHANGES RELATING TO ENROLLING INTO MEDICARE INSURANCE PLANS!! 

 Everyday, I witness the total bewilderment on so many faces of Medicare Recipients, with regards to the many Rules and Regulations presented regarding Medicare itself and the many medical insurance products available to them.

That includes Medicare Advantage Plans, Part D Prescription Drug Plans and Medicare Supplement Plans.

NOW AVAILABLE: Special Needs plans for Diabetes and CHF patients! Find out more here!

ATTENTION MEDICARE RECIPIENTS ( 65 AND OVER )

AS OF JUNE 1, 2010, MEDICARE SUPPLEMENT OFFERINGS ARE NOW COVERED BY NEW "MODERNIZED MEDICARE SUPPLEMENT PLANS!" PLEASE CALL FOR MORE INFORMATION!!! YOU MAY BE ABLE TO LOWER SOME PREMIUMS IF YOU QUALIFY.

There are some really restrictive marketing rules and regulations being put into place that are intended to protect Medicare Recipients from telemarketing and sales of these products, as well as to spell out “what can be said” as well as “what cannot be said or done” with regards to presenting and discussing the many plans available.

This is why you must initiate the call or contact with the agent or company regarding what you want to discuss or know about; in detail.  This should result in you not receiving phone calls regarding Medicare Advantage Insurance.  Of course, the many mail pieces you continuously receive will probably keep on coming.  We’re here to help you to understand the many offerings presented.  You have to generate the call!
 

NOTICE: AS OF SEPTEMBER 2008 A NEW REQUIREMENT FROM CMS MANDATES THAT A SCOPE OF APPOINTMENT FORM BE COMPLETED BY THE MEDICARE BENEFICIARY, WHO WILL SELECT THE SUBJECT MATTER OF THE DISCUSSION OF EITHER OR BOTH: MEDICARE ADVANTAGE AND/OR PART D PRESCRIPTION DRUG PLANS!  BY LAW, THIS IS A REQUIREMENT BEFORE A PRESENTATION OR DISCUSSION CAN OCCUR.

I am making it my lot in life to help my fellow senior citizens to obtain the most they can, for the least amount of money possible, without sacrificing benefits and insurance coverage. 

Annually, each insurance company involved in offering Medicare Advantage Products and  Medicare Part D Plans, must submit their offerings for the coming year for approval by CMS/Medicare.  Usually the plan benefit structure changes, relating to monthly costs (If any), co-pays, coinsurance amounts as well as benefit additions or deletions.

Notices are provided late in the calendar year to each policy holder regarding the changes to their plans, detailing what the specific changes will be.  It is very difficult for Medicare recipients to determine what the proper plan will be for the coming year, not knowing how other plans have changed, and whether or not a different plan may be necessary for their particular well being.  EFFECTIVE OCTOBER 15, 2011, THESE DATES WILL BE FROM OCTOBER 15, 2011 THROUGH DECEMBER 7, 2011, FOR A  JANUARY 1, 2012 EFFECTIVE DATE.

There are also many concerns of:

• “When can I make a change, if I feel I want to?”.
• “What happens if I want to change during “lock in”?.
• “I’ve just come up with a chronic illness, and, heard there may be some other plan available to me”.
• “I didn’t sign up for Part D, and am locked out; what can I do, if anything?”
• “How do I find out if I qualify for extra help with a Medicare Advantage Plan?”
• “Where do I go the get help with my Prescription Costs?”
• “What is AEP, ICEP, and SEP?”

Should you, or anyone you know have ANY QUESTIONS OR CONCERNS, even if you already have Medicare Insurance, please feel free to call us 520-421-9302, or request information or an appointment by completing “CONTACT BOB” WITHIN THIS WEB SITE.

You will find that we respond and listen to any and all concerns; AND, if we don’t have the answer, will diligently attempt to find one, however, HIPPA privacy allows only certain areas we can work within to protect you and your family.  We may only be able to direct you to where the answer is, however, sometimes that is a great help!

PLEASE REMEMBER THAT A SCOPE OF APPOINTMENT FORM MUST BE EXECUTED PRIOR TO ANY DISCUSSION RELATING TO MEDICARE ADVANTAGE AND/OR PART D PRESCRIPTION DRUG PLANS!! 

                                                               updated 05/03/2011