Medicare Open Enrollment Program 2014

This months marks the start of open enrollment. You will have the opportunity to change plans if you are unhappy with the one you are currently on. 

Medicare Open Enrollment Period: October 15th, 2013 through December 7th 2013

If you have a Medicare Supplement Plan here are some of your options.

1. Move to a Medicare Advantage PPO program
   
2. Move to a Medicare Advantage HMO program
   

Currently, you do not have a network of providers to deal with. You have access to any provider or hospital that accepts Medicare. With all of the Medicare Supplement plans we offer Part D for prescription drug coverage.

The Medicare Advantage PPO and HMO Programs have networks to access to receive the most cost effective care. The Medicare Advantage program allows you to go outside the network but with higher out of pocket costs

If you have a Medicare Advantage PPO here are some of your options.

1. Move to a Medicare Advantage HMO program, however you lose the ability to use out of network providers.
   
2. Move to a Medicare Supplement program with no restrictions on network providers. You have access to any provider or hospital that accepts Medicare.
   
   

If you have a Medicare Advantage HMO here are some of your options.

1. Move to a Medicare Advantage PPO program and have the option of going to doctors out of network.
   
2. Move to a Medicare Supplement program and have access to any provider or hospital that accepts Medicare.
   
   

Programs that Mainline Insurance Offers:

• United Healthcare Medicare Supplement offered through AARP
  
• Part D prescription drug coverage.
  
• United Healthcare Medicare Advantage HMO program
  
• Empire BCBS Medicare Advantage PPO program.
  
• Empire BCBS Medicare Advantage HMO program
  
• Emblem Medicare Advantage PPO program.
  
  

Programs Costs

• Medicare Supplement plans with Part D come in the  $200 to $300 range monthly. Most clients enjoy the comprehensive benefits of Plan F with the Part D prescription drug coverage.
  
• Medicare Advantage plans as an HMO or a PPO run between $0 to $200 monthly depending on which county you reside.

Best Regards,
Vincent Reda

---