Confused About Medicare Options

Article submitted by Lori Shine RN, BSN, MBA of Shine Healthcare Advisory Services, Inc.
For more information, they can be reached at 303-829-4582.

Are you ABSOLUTELY sure that you are not under-insured or over-insured with your current Medicare plan choices? With the advent of Medicare Part D, which went into effect January 1, 2006, Medicare beneficiaries have been asked to look at their prescription medication usage. However, little has been said about the other benefits offered under Medicare for medical care and how these pieces fit in with the new Part D plans. Medicare is a virtual alphabet soup of choice. Choice is good because it recognizes everyone is not the same. When considering which Medicare coverage is best for you, knowledge of the Part D options is important, but how you choose to utilize your Part A & Part B medical insurance is essential in insuring total coverage based on your individual needs. Plan variations on Part A & Part B include traditional Medicare versus Medicare Advantage, and the A-K Medigap plans. Typically it is the decisions made for these plans that result in either over-insured or under-insured coverage. There is assistance available through the www.medicare.gov website or by calling Medicare at 1-800-633-4227. If you are interested in seeking professional advice, consider contacting Lori Shine RN, BSN, MBA of Shine Healthcare Advisory Services, Inc at 303.829.4582. We specialize in Medicare, Medigap and Part D prescription drug benefit consulting. Our Individual Healthcare Needs Assessment matches your personal profile to the Medicare plans best suited to your healthcare patterns. In doing so, it saves you the cost of paying for benefits you do not need while ensuring services you use most commonly are covered to the best possible extent. We are an advisory service. We do not sell insurance plans. We provide an analysis of the various choices available to you.