What should I consider when choosing or changing my coverage?

it is overConvenience

Where are the doctors’ offices? What are their hours? Do the

doctors use electronic health records or prescribe electronically?

Which pharmacies can you use? Is the pharmacy you use in the

plan’s network? If it’s in the network and your plan has preferred

pharmacies, is your pharmacy preferred? (You may pay more at

non-preferred pharmacies.) Can you get your prescriptions by mail?



How much are your premiums, deductibles, and other costs? How

much do you pay for services like hospital stays or doctor visits?

Is there a yearly limit on what you pay out-of-pocket? Your costs may

vary and may be different if you don’t follow the coverage rules.


How well does the plan cover the services you need?

Doctor and hospital choice

Do your doctors and other health care providers accept the type

of coverage you have? Are the doctors you want to see accepting

new patients? Do you have to choose your hospital and health care

providers from a network? Do you need to get referrals?

Prescription Drugs

Do you need to join a Medicare drug plan? Are your drugs covered

under the plan’s formulary? Are there any coverage rules that

apply to your prescriptions?

Quality of Care

Are you satisfied with your medical care? The quality of care and

services offered by plans and other health care providers can vary.

Medicare has information to help you compare how well plans and

providers work to give you the best care possible.


Will you have coverage in another state or outside the U.S.?

Your other Coverage

Do you have, or are you eligible for, other types of health or

prescription drug coverage (like from a former or current employer or union)? If so, read the materials from your insurer or

plan, or call them to find out how the coverage works with, or is

affected by, Medicare. If you have coverage through a former or

current employer or union or other source, talk to your benefits

administrator, insurer, or plan before making any changes to your

coverage. If you drop your coverage, you may not be able to get it


Where can I get my questions answered?

Call us at our offices at 909-792-3300. We will set up an appointment that is convenient for you and discuss your options.


January 1, 2015

New coverage begins if you make a change during Open Enrollment. New costs and benefit changes also begin if you keep your existing Medicare health or prescription drug coverage, and your plan makes changes.


Medicare Open Enrollment Oct. 15th to Dec. 7th

Citibank conf. room

Which Plan is Right for Me?

“If you’re happy with your Plan, you can keep your Plan”. Where have we heard that before? Regarding Medicare Advantage plans, in many cases that is true, however this year in particular in the Inland Empire a popular Chronic Illness diabetic plan called SCAN Balance is being discontinued. I have already met with many of you on this plan, dialed in your medications and helped you select a new plan that best meets your needs. If you’re on this plan and have not chosen a new one for 2015 please call my office and schedule an appointment as soon as possible.

It is less than half way through Open Enrollment and I can tell you where most of my clients have been gravitating to: SCAN Classic plan; AARP Medicare Complete Plan 2 by United Health Care; Humana Gold Plus; Blue Shield 65 Plus and Health Net’s Healthy Heart and Gold Select plans.

We have other plans too. Everyone’s situation is unique, and requires balancing your medications, benefit requirements and medical groups.

NEWS FLASH…Loma Linda Medical Groups and Hospital are now available as a Primary for the AARP Medicare Complete plans.

I really do enjoy the challenge year to year assisting you in this ever changing health care landscape. Sometimes it just takes a phone call; other times a face to face meeting.

So, if you are happy and your benefits haven’t changed much, you can keep your plan and you need do nothing. If you’re not sure PLEASE call and let’s schedule a review.

As we all enter this holiday season, Terri and I are so thankful for you and wish you and yours a
Wonderful Thanksgiving and Blessed Christmas and New Years.

All the best,


CA Lic #0B56846