Recent Article in US News & World Report Recommends Shopping for New Medicare Plans

Emily Brandon’s recent article in US News & World Report entitled “6 Reasons to Choose a New Medicare Part D Plan” provides excellent insight into the real benefits of taking advantage of the Medicare Open Enrollment Period and the advantages of shopping around for the best coverage and costs to meet your personal healthcare needs.

The Open Enrollment Period is the time of year when individuals with Medicare are able to make important changes to their healthcare coverage. Open Enrollment runs from October 15th to December 7th, and provides seniors with the opportunity to adjust their coverage, add dental and prescription drug coverage, and lower their monthly premiums.

We believe every senior should take advantage of the Open Enrollment Period to compare your current Medicare healthcare coverage against other available plans.  That is why we founded SeniorQuote – to provide you with a trusted resource to comparison shop a wide-range of insurance carriers to find the coverage plan that best fits your budget. Our licensed agents are available to answer all of your questions and help you make the right decision for your family.

While we might set them in a different order, we essentially agree with the top reasons highlighted in Ms. Brandon’s article. A summary of the 6 Top Reasons to Choose a New Medicare Part D Plan follows:

(1)  Medication changes. Your medication needs could change throughout your retirement.

(2)  Find lower premiums. The average premium is expected to increase by 5 percent in 2014.

(3)  Seek lower copays and other cost sharing. Besides premiums, Medicare Part D beneficiaries face a variety of other out-of-pocket expenses, including deductibles, copayments, coinsurance and costs in the coverage gap.

(4)  Reduce your deductible. Just over half of prescription drug plans will charge a deductible in 2014.

(5)  Consider gap coverage. The Medicare Part D coverage gap begins once a retiree incurs $2,850 in prescription drug costs and ends after total drug costs hit $6,691 in 2014.

(6)  Ease of using your benefits. Prescription drug plans are increasingly creating preferred pharmacy networks, and charging retirees higher prices if they don’t fill their prescriptions at the preferred pharmacies.

Enjoy the US News & World Report article. And enjoy the saving money with SeniorQuote during the Open Enrollment Period. Link: http://money.usnews.com/money/retirement/articles/2013/10/28/6-reasons-to-choose-a-new-medicare-part-d-plan?page=2

Are Dental and Vision Covered?

At SeniorQuote we know that healthcare means much more to seniors than just hospital visits and doctor’s offices.  A large amount of seniors also have dental and vision needs, as well.  It is one issue that we get questions about constantly.

Does Medicare Part A or B cover things like a dentist visit?  My prescription lenses?  Or an eye exam?  These are great questions and important to understand when considering your overall Medicare coverage.

Let’s start with dental coverage.  Simply put, if you have basic Medicare part A & B, you are not covered for dentist visits or benefits.  What falls under visits and benefits?  These are things that include checkups, cleanings, fillings, extractions, and dentures.  The only things that basic Medicare may cover are things that are applicable in a hospital setting.  If you would like to add dental benefits and coverage there are 2 ways to go about acquiring coverage;

1) Through an Advantage plan

2)  Through private insurance

Keep in mind that not all Advantage plans include dental coverage.  Additionally, there are many private insurance plans that bundle dental and vision coverage into one plan for seniors.

Vision coverage is similar to dental coverage.  Basic Medicare part A & B does not cover routine eye exams/ refraction, eyeglasses, or contacts.  Medicare does however cover things relating to eye disease.  Common eye diseases for seniors include glaucoma, cataracts, and macular degeneration.  Medicare will cover the diagnosis and treatment of these diseases and many others.  As with dental, there are Advantage plans that cover vision, as well.

We know that these are important aspects of complete healthcare and do not think they should go overlooked.  With open enrollment coming to an end soon, now is the time to look into Advantage plans for additional dental and vision coverage.  SeniorQuote knows the ins and outs of Medicare plans.  Give us a call and we can assist you in finding the plan that best fits your needs.

SeniorQuote Insurance Services Licensed to Support Kansas

Kansas Important State for Company’s Nationwide Expansion of
Unique Comparison Service for Medicare Supplement and Advantage customers

San Diego, California (November 14, 2013) – With only one month remaining of the Open Enrollment Period, the time of year when individuals with Medicare are able to make important changes to their healthcare coverage and premiums, SeniorQuote Insurance Services has expanded their insurance comparison service to include the state of Kansas.  With the addition of Kansas, SeniorQuote now offers their unique call-in support and comparison services to seniors in over 25 states.

SeniorQuote offers Medicare eligible individuals the ability to cross-shop multiple carriers for Medicare Supplement and Medicare Advantage Plans, with additional support and guidance of an experienced team of insurance professionals.  The US Medicare population has soared to over 50 million and is projected to reach 64 million by 2020. To keep pace with this incredible growth, SeniorQuote has implemented an aggressive expansion plan to keep pace, including the addition of new states within its coverage area.

William Haynor, a business leader with more than 40 years of experience in the insurance industry and one of the founders of SelectQuote Insurance Services, is the founder and president of SeniorQuote. Haynor, age 72, says that he created the company based on his own experiences in trying to choose the right supplement plan for his personal Medicare coverage.

“We see Kansas as a very important state for our coverage expansion plans,” said Haynor. “The senior and Medicare population is growing at an unprecedented rate in the United States. All of these people want better choices, lower prices, and greater service. We want to make sure that we can cover as many seniors and Medicare eligible individuals as possible. Kansas was an important step.”

SeniorQuote operates a call-in support center and employs a growing staff of experienced insurance associates and executives.   Haynor and his team of licensed agents continue to expand their customer’s choices with the addition of new coverage programs from many of the industry’s top insurance carriers.  Haynor plans to launch a series of Youtube videos in which he instructs seniors on the importance of Medicare coverage and chronicles his personal experiences in finding the right supplement insurance for his family.

About SeniorQuote Insurance Services, Inc.
SeniorQuote Insurance Services, Inc., headquartered in San Diego, California, is a Medicare Supplement and Advantage insurance agency founded for the singular purpose of helping seniors find the perfect insurance coverage to meet the needs of their family.  The company, founded by veteran insurance executive William Haynor, offers Medicare Supplement and Advantage products from several of the nation’s leading and most respected carriers, through a team of licensed, experienced, and  highly trained customer associates.  To learn more about the company and the carriers represented, visit SeniorQuote.com or call 800-992-7724.