SENIORS

*** IMPORTANT UPDATES:

1.  NEW! You can now sign up for a Medicare Supplement (Medigap Plan) by

telephone from the comfort of your own home!! NO pesky salesman comes to

your front door, NO getting dressed up and cleaning the house up for company,

NO checks to write!!  In fact, you can now shop for a lower premium and then

sign up while still in bed wearing your pajamas!! Visit: www.MedigapByPhone.com  

2.  The Annual Election Period (AEP) for all Medicare Advantage Plans and

Medicare Prescription Drug Plans is fast approaching!  You may enroll or

disenroll from a plan during the time period that runs from Nov. 15 - Dec. 31.

We should have all of the new plan information available by around Nov. 1st.

Call us for information and appointments. This is for an effective date of Jan. 1, 2009.

3.  Has the premium for your Medicare Supplement gone up?  Call us to see if

you qualify for a lower premium! NOTE: THERE ARE NO "ENROLLMENT

PERIODS FOR MEDICARE SUPPLEMENTS.  YOU MAY CHANGE AT ANY

TIME DURING THE YEAR!!!

4.  There are now "Special Needs Plans" in the Medicare Advantage category

that cater to specific health conditions such as Diabetes, COPD or Degenerative

Arthritis.  Call us to see which plans may be available in your area.  NOTE: ALTHOUGH MEDICARE SUPPLEMENT PLANS ARE STANDARDIZED

NATIONALLY, MEDICARE ADVANTAGE PLANS ARE ISSUED ON A

COUNTY BY COUNTY BASIS.

5.  Do you have a group that would like to have a speaker come and explain the

differences in all of the Medicare Plans, including all of the jargon used? We can

provide you with a speaker AT NO CHARGE.  NOTHING WILL BE OFFERED

FOR SALE AT SUCH MEETINGS; they are merely informational in nature.

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On December 8, 2003, President George W. Bush signed into law the Medicare Prescription Drug, Improvement and Modernization Act of 2003 (Pub. L. 108-173). 

This landmark legislation provides seniors and individuals with disabilities with a prescription drug benefit, more choices, and better benefits under Medicare.

WITH THE NEW MEDICARE MODERNIZATION ACT,

THE GOVERNMENT HAS INCREASED YOUR BENEFITS!

(But you have to enroll to receive them!)

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YOUR HEALTH PLAN CHOICES

FOR 2008/2009 MAY INCLUDE:

* ORIGINAL MEDICARE ALONE

* MEDIGAP PLANS (MEDICARE SUPPLEMENT POLICIES)

          There are no "enrollment periods" for Medigap plans. You may

        enroll or change plans at any time of the year.

          *** NEW! NOW YOU CAN ENROLL IN

             A MEDIGAP PLAN BY PHONE!

                          Visit MedigapByPhone.com to shop and enroll!

          Did you know that you may be able to save money on your Medicare

       Supplement by comparing premiums? Since the plans are STANDARDIZED,

       each Plan F or Plan G IS THE SAME as any other Plan F or Plan G!  So why

          do they have different rates at different companies?  The best explanation is to

          say that it's like buying a new car. You might buy the SAME MAKE, SAME MODEL,

          SAME COLOR AND SAME OPTIONS from 2 different dealerships and end up

        with TWO DIFFERENT PRICES! THAT IS WHY YOU SHOULD READ THIS:

       The Centers for Medicare and Medicaid Services (CMS) advises:

               "As you shop for a Medigap policy, keep in mind that different insurance

               companies may charge different amounts for exactly the same Medigap

               policy..."  The ONLY difference may be the price you pay, so it's wise to

               SHOP AND COMPARE! Call us today to see if you may be eligible for

               a lower premium!!

* MEDICARE ADVANTAGE PLANS, WHICH INCLUDE:

               MEDICARE MANAGED CARE PLANS

               MEDICARE PPO PLANS

               MEDICARE PRIVATE FEE-FOR-SERVICE PLANS

* MEDICARE SPECIALTY PLANS

WHETHER YOU GET YOUR MEDICARE

HEALTH CARE COVERAGE FROM A

MEDICARE ADVANTAGE PLAN OR THE

ORIGINAL MEDICARE PLAN, YOU ARE

STILL IN THE MEDICARE PROGRAM!

CONFUSED? CALL US AND WE WILL EXPLAIN!

Medicare Prescription Drug Plans

(Medicare Part D)

The next Annual Enrollment Period (AEP) will begin Nov. 15, 2008

and run through Dec. 31, 2008.  This will be for your 2009 coverage. 

Aging in to Medicare (turning 65)?

Call us today to find out about your options.

We specialize in helping those new to Medicare.

Visit Medicare.gov for complete information.

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Choice One Health is all about CHOICES.

We carry every type of Senior Health Plan

offered in our area, and we work with each

individual to help them find the right plan for

their particular needs and their budget.

Call us at 1-888-618-8734, or FILL OUT OUR

ONLINE CONTACT FORM for assistance.

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