| Medicare Advantage Plans Open Enrollment does not begin till 11-15-2010. |
| Private Fee-for-Service Plans are ENDING!!!! |
If you have a Medicare Advantage Private-Pay-for-Service, the plan where you can see any Dr. or Hospital you are probably going to lose your coverage effective 1-1-2011. If you sign up with a Medicare Advantage PPO you will lose your seperate Medicare D plan, especially if you are with Illinois Cares Rx. A drug plan attached to the PPO may or may not provide you with coverage for your drugs. You cannot make a mistake!!!
What I am recommending is that you go to a Medicare Supplement like F or the new low priced N plan. One company I represent has just one question while BlueCross and BlueShield does not ask a single question. With a Medicare Supplement you are free to have the Medicare D plan of your choice, you have choices. It is very important that you sit down with me and look at your options. Do not be sucked into a plan with a cheap price that may not be there next year. I have learned that we cannot depend upon Medicare Advantage Plans for consistant reliable coverage from year to year. Now is the time to look for a solution and "bale out".
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