In the coming year, over 1.6 million American men will be 65 years old. Discounts in restaurants, cinemas and hardware stores await them. New options for health care that her parents and grandparents never considered could also be expected.
For the past generations, the 65th birthday meant that Medicare’s health care was secured and the only real decisions were whether or not to enroll in supplementary insurance, and if so, with whom? This all changed with the adoption of the 1997 Balanced Budget Act, which allowed Medicare beneficiaries to receive benefits through Medicare Advantage (MA) plans. (Many seniors had previously done so through a series of demonstration projects dating back to the early 1980s.) These plans were expanded in 2003 with the groundbreaking Medicare Prescription Drug Improvement and Modernization Act, which provides a prescription drug benefit to seniors and people with disabilities , Get a 2019 advantage plan here : https://www.medicareadvantage2019.org/
MA Plans offer all of the traditional benefits that can be found in Medicare, as well as a host of additional benefits that make the plans attractive to the specific health and lifestyle needs of a senior citizen. These additional benefits could include dental, visual, gym membership, transportation, and personal case management, especially for those with chronic conditions. But what plan do you choose and how do you make this decision?
For men entering the Medicare world for the first time, this can be particularly difficult in areas where multiple carriers offer a variety of plans that leave seniors with dozens of options to choose from. If you make this important decision, here are some things to keep in mind:
- Remember that you make that choice for yourself, not your spouse, child, or other dependents. When choosing a commercial freight forwarder, most people consider what is right for the health needs of themselves and their families. But becoming 65 is a chance to be selfish – what works for you? If you are 65 years old and healthy, you may want to have a relationship with a health plan that simply says “Be there when I need you” and are good at interacting with your plan through unobtrusive online health information and preventive care programs that your fit for a busy lifestyle. However, if you have chronic conditions, you can focus on affordable doctor visits, managing complex medicines, and providing additional nurse assistance in navigating the healthcare system.
- Medicare has a quality rating system that rates plans from one to five, with five star being the highest. The system was set up to educate consumers about quality and make quality data more transparent and comparable between plans. Rankings take into account such factors as clinical outcomes, access to preventive services such as screening and vaccination, treatment of chronic illness, preparedness and customer satisfaction. Star Ratings are calculated every year and can change from year to year. Use them to make your decision.
- Monthly premiums and co-payments can vary significantly from plan to plan. The good news is that some 2016 MA plans have no monthly premium. But there are more than just bonuses. Carefully review deductibles and co-payments that you must pay to take care of. Think about what best suits your needs and your wallet.