Seniors should look should look closely at their insurance plans because many of them are increasing premiums, co-payments and deductibles.
Those 65 and older like Steve Richelt have a lot of information to dig through. Many are a little overwhelmed with their choices in health insurance.
"(Like) what I would have to pay and what the plan did for me," he said.
After looking at his choices Richelt picked AveraAdvantage, a private fee for service plan. It can be a low cost alternative for many beneficiaries in traditional medicare said Jack Arnett, Market Manager of Avera Medicare Plans.
"The ideal candidate who would look at AveraAdvantage as a Medicare Advantage program, is someone that's currently enrolled in Part A and Part B and is looking for alternative medical coverage," Arnett said.
Medicare Advantage plans cover both drugs and medical services such as hospital stays and doctor visits.
"It will definitely benefit a medicare beneficiary to sit down with a license and trained certified representative, and compare their current coverage," said Arnett. "To truly determine what's best for them"
If you decide to enroll in AveraAdvantage, you're still in the medicare program, he said. That means you're still entitled to all the necessary health care services that are covered.
"Because we're a Private Fee-for-Service plan, you're free to visit any doctor that is willing to provide care and accepts AveraAdvantage's terms and conditions," he said. "Additional savings are recognized when an AveraAdvantage members receives services from AveraAdvantage hospital"
It's important for people to review their medicare plan choices now and choose the plan that best suits their needs. After January 1, most people will be locked into the plan they chose for the rest of the year.
For more information contact, www.averaadvantage.com, or call 1-888-605-3229.