Medicare Advantage Premiums Decline as Enrollment Rises

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					A recent announcement from the Centers for Medicare and Medicaid Services (CMS)
indicated that, on average, Medicare Advantage premiums will be 1 percent lower
next year. Plus the CMS expects that enrollment in Medicare Advantage plans will
increase by 5 percent.
 鈥淭 hese predictions are just further proof that many Americans find that the
Medicare Advantage plan options are the right choice for them,鈥?suggests Alan
Weinstock, insurance broker, at www.MedicareSupplementPlans.com. 鈥 淏 ut
whether Medicare beneficiaries choose a Medicare Advantage plan or go with original
Medicare and add a Medicare supplement plan, it 鈥檚 important that they take time
to compare the benefits of each based on their own personal needs.鈥?
 Medicare Benefits for 2011
 The good news is that the CMS said that the majority of Medicare beneficiaries will
see little or no change in their 2011 benefits. In addition, there will be more drug
plans offering coverage during the donut hole, that period in prescription drug
coverage when there is a gap in coverage. And, consistent with the Affordable Care
Act (ACA), beneficiaries in most Medicare Advantage plans and original Medicare
will gain access to preventive benefits with no out of pocket costs.
 The CMS further indicated that nearly the same percentage of Medicare
beneficiaries with current access to Medicare Advantage plans will continue to have
access in 2011. That number is 99.7 percent. And all Medicare beneficiaries will
continue to have many prescription drug plans to choose from.
 Medicare Resources for Seniors
 It 鈥檚 important that all Medicare beneficiaries, especially those who are new to
the program, get the information they need to make the right decisions about the type
of coverage they want: Medicare Advantage or original Medicare with a Medigap
plan. One way to do this is to read the Welcome to Medicare brochure put out by the
CMS. This booklet explains which health care services and supplies Medicare covers
and how to get those benefits through regular Medicare Part A (hospital insurance)
and Part B (medical insurance). In addition, Medicare and You 2011, the official
Medicare handbook from the CMS, is due out in mid-October.
 Seniors may also want to reach out to service organizations for assistance. Medicare
beneficiaries who have questions about Medicare Advantage, original Medicare or
how changes from the Affordable Care Act (ACA) might affect them, should consider
contacting their state Senior Health Insurance Program (SHIP), a free statewide health
insurance counseling service for Medicare beneficiaries and their caregivers.
 And for Medicare beneficiaries who are considering Medigap insurance to help
supplement their Medicare coverage, speaking to a reliable insurance broker like the
brokers at http://www.MedicareSupplementPlans.com can be very helpful.
 Wherever you turn for information, be sure to be proactive and investigate your
options before you turn 65.
 Sophie Ben is an expert author and has more then 5 years of experience in writing
Technical articles like Medicare Insurance , Medicare Supplemental Comparison,
Medigap Insurance California, Medicare Plans .