The Power to Choose

Imagine a car dealership that represented every brand of vehicle. The customer could visit a single location and have a complete selection of every available car within their price range. They would also have the ability to review comparison data from Consumer Reports to evaluate the automobile that best fit their needs. Finally, the sales person would be motivated to assist the customer by providing helpful information on each model and ensure that the customer was getting the very best price for the car they choose.

Too good to be true?

For the car industry, this concept is still a dream. However, for seniors shopping for the best possible Medicare coverage, SeniorQuote Insurance Services offers the power to choose.

Founded by William Haynor, a business leader with more than 40 years of experience in the insurance industry, Senior Quote offers eligible seniors the ability to cross-shop multiple carriers for Medicare Supplement and Medicare Advantage Plans, with the support and guidance of SeniorQuote’s experienced team of insurance professionals.

Haynor, age 73, designed the SeniorQuote based on his own experiences in trying to choose the right supplement plan for his personal Medicare coverage.

“I have always been healthy and active,” said Haynor. “But in 2010 it seemed that all at once I was hit with every medical problem you could image. I was laid up in the hospital for weeks and without proper Medicare Supplemental insurance, the bills would have threatened my family’s savings.”

As a result of this experience, Haynor was inspired to help fellow seniors by starting SeniorQuote.  “I wanted to create a resource that seniors can trust in and rely on as they transition into the second chapter of their life. SeniorQuote is that resource.”

SeniorQuote operates a San Diego-based call-in support center and employs a team of experienced, licensed insurance experts. Haynor and his team of helpful agents continue to expand their customer’s choices with the addition of new coverage programs from many of the industry’s most respected insurance carriers, while expanding their services into additional states.

Giving seniors the ability to compare and the power to choose – that is the mission of SeniorQuote.

Medicare Open Enrollment

Open enrollment for Medicare happens every year from October 15th to December 7th, with an individual’s coverage changes going into effect January 1st of the following year. Additionally, seniors are eligible for open enrollment three months before and after their 65th birthday. During these open enrollment periods, seniors who qualify are able to do the following

  • Change from Original Medicare to a Medicare Advantage Plan.
  • Change from a Medicare Advantage Plan back to Original Medicare.
  • Switch from one Medicare Advantage Plan to another Medicare Advantage Plan.
  • Switch from a Medicare Advantage Plan that doesn’t offer prescription drug coverage to a Medicare Advantage Plan that offers prescription drug coverage.
  • Switch from a Medicare Advantage Plan that offers prescription drug coverage to a Medicare Advantage Plan that doesn’t offer prescription drug coverage.
  • Join a Medicare Prescription Drug Plan.
  • Switch from one Medicare Prescription Drug Plan to another Medicare Prescription Drug Plan.
  • Drop your Medicare prescription drug coverage completely.

This information is courtesy of http://www.Medicare.gov.

For more information about Medicare enrollment periods, you can contact the Medicare experts directly at SeniorQuote by calling 888-278-5126.

“Navigators” in Healthcare:

Healthcare, Medicare, Medicaid, and Obamacare have become constant topics in news.  With so much being said, changed, and analyzed, it can be hard to keep up with actual changes to state and federal programs.  As a result of increased confusion, you may have heard the term “navigators” in the media recently,

If your head is spinning trying to keep up with the newest Medicare and healthcare policies you are not alone.  The navigators are here to help.  State and federal government officials realize that people are confused about the details of Medicare, Obamacare, and the changing healthcare landscape, and they are trying to implement a network of trained and experienced people known as the Navigators to assist average Americans and seniors.  Think of navigators as your personal Medicare assistants, who can walk you through the details for everything related to healthcare; from signing up for benefits to explaining the intricacies of adding supplemental plans.

While the navigator program offers promising improvements to the current healthcare system, the qualifications and experience level of each of the navigators may not be equal.   According to the Wall Street Journal, the concern for industry experts, consumer advocacy groups and government officials is that the requirements for becoming a navigator may not be stringent enough.  The thought of under qualified people advising Americans about something as important as their health is a very real concern and the greatest hurdle confronting the navigator program.

Currently 34 states are letting the federal government run their healthcare exchanges, and will allow them to dictate the qualifications of the navigators who operate in their state.  It appears that the federal government is committed to the navigator program, leaving the individual states with legitimate concerns For example, if you reside in one of the 16 states, who operate their own exchanges, like California, you may not have a navigator program available to you, as those states will not be required to implement a navigator program, unless they choose to.

The navigator program could be a great step towards simplified healthcare and its’ progress will continued to be monitored throughout the industry.

If you have questions about your personal healthcare, insurance coverage, or Medicare, you can contact the Medicare experts directly at SeniorQuote by calling 888-278-5126.