Senior Healthcare Advisors

Insurance products that fit your lifestyle!

Who are we?

Canadian Drugs

Medicare Supplement Rates

Short-Term-Health Insurance

Medicare Part D Updates

Medicare Advantage Plans

Long-Term Care

International and Travel

Medicare Advantage Plans Open Enrollment does not begin till 11-15-09.
Private Fee-for-Service Plans


Who do I like????  That is easy, it is Today's Options PFFS by Pyramid Life. 

The Premier Plan for 2010 is $104.mo and the Value Plan is $65.00

Both of them have a $3400 out of pocket maximum.  You can go to any Dr. or Hospital that accepts your card and Terms and Condition of Payment.   There are no networks.

 
You can get a fair PPO plan with Humana but it does not have the Sterling-Rock Falls Clinic doctors in the network, just CGH and their docs.  Beware of going to a out-of-network hospital or Dr. because that would trigger substantial extra fees.
 
You honestly cannot fairly compare Medicare Advantage plans.  As long as we can still get a plan that does not have networks I am recommending those plans.  We may not have that luxury in 2011.  It all depends upon what the new administration in Washington decides.