Seniors who are turning 65 are faced with several tough choices

Seniors who are turning 65 are faced with several tough choices

. After choosing to enroll in Medicare Part B, they must find a great prescription drug plan that covers their medications as well as a good Medicare Supplement plan that will not only pay the bills, but also ensure they stay healthy and live a long life. This can be enough to make most people's head spin, and the number of options and plan choices one must examine can make this a daunting task. Luckily, there are people who can help.

One of the biggest choices people who enroll in Medicare Part B face is whether to purchase a Medicare Supplement Plan or a Medicare Advantage Plan. From a health standpoint, Medicare Supplement Plans are far superior. Many doctors refuse to accept patients who are enrolled in Medicare Advantage Plans, especially in rural areas. However, people who purchase supplemental insurance can visit any doctor, hospital, or specialist they choose, as long as that provider accepts original Medicare. Access to the best doctors and specialists means your care will be high quality, and greatly increases your chance for living a long and healthy life.

In addition to having access to the best doctors and specialists, people who purchase Medicare Supplement Plans can visit any hospital in the United States, as long as that hospital accepts original Medicare. This freedom of choice can be extremely important, especially if you have special needs. Several people choose to travel hundreds of miles to receive higher quality care from people who specialize in the type of medical treatment they need.

Medicare Supplement Plans also limit your out-of-pocket expenses and will save you from financial disaster. Original Medicare provides great coverage, but you still have to pay 20% coinsurance. This 20% can add up rather quickly if you need specialized care at the hospital. People who purchase Medicare Supplement Plan F have the benefit of knowing they will never need to pay anything for Medicare approved care, which includes almost all visits to the hospital.

The financial stability provided by Medicare Supplement Plans can reduce stress and allow you to spend more money and time on preventive care. Some plans will even pay for your gym membership. Staying fit, eating well, and reducing stress will help you stay healthy longer. When shopping for a plan, be sure to ask if the company participates in the Silver Sneakers program, which is dedicated to fitness for seniors.

There are several ways to get help when shopping for Medicare Supplement Plans. You can call every insurance company, which is very time consuming. You can speak with your local insurance agent, which probably carries only one or two companies, or you can consult a national insurance broker who specializes in Medicare Supplemental insurance will provide quotes from many different companies. In addition, a knowledgeable broker will be able to provide an honest opinion and additional insight into upcoming changes and company specific details.

Seniors who are turning 65 are faced with several tough choices

By: Tyra Phillips

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