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The Official US Medicare & You handbook of 2012 was released, you should already have it mailed to you. But, if you did not have it yet, you can go here for the PDF format. The handbook has for about 148 pages, it is a perfect handbook to give you a complete guide how to enroll and use the most benefit of Medicare and the programs involved. On page 66 there's Medical Supplement insurance (Medigap) Policies, as well as page 97 there's an instruction how to get help paying your health and prescription Drug Costs for people with limited resources and income. This handbook is really amazing, keep it safe and make it your own manual to understand the rules.
Simple hint to consider when choosing 2012 Medicare Coverage
Choosing health insurance can be confusing for recipients, Below are simple hint or tips to consider so you can choose the right coverage in 2012:- Discuss your options to enroll by contacting Social Security especially if you are newly eligible for Medicare programs. Please do not skip this step, this is very important for your wallet.
- When you have Medicare Parts A & B, it is often there is no need for extra insurance. A lot of people are satisfied with Medicare Parts A & B as the basic medical and hospital coverage.
- There are many important factors to consider in Medigap and Medicare Advantage plans. Because these two products/programs are sold by insurers then you should discuss it with professional representatives than just buy them on the internet, There are valuable information you should understand in these programs.
- If you have any doubts about what suits you best, you can attend one or more seminars that held by insurers. As far as I know, they are holding seminars to explain and discuss what their products cover and how much they cost. These seminars have a lot of benefit due to a big discussion groups who may have the same questions/problems as you. In these seminars, you can take your wife or husband or someone who understand your health and financial condition.
- When we try to learn the options, we will realize that everyone have a unique health and financial situation. That's why not a single plan or option is going to suits for all conditions. For example, a married couple might have a very different health plans because rejecting or choosing more insurance other than Medicare depends on various things such as budget, physicians, prescriptions, age, health etc.
- Do not assume that your current plan is the best insurance for you, learn it again and replace immediately if you find a better coverage for you. Of course you have to learn it deeply, asks your spouse to decide and consult with a professional representative.
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