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Some Medicare Advantage Plans have gotten a bad rap lately, but that may have been because of the overzealous marketing efforts of a few people, rather than the actual plans. All Medicare Advantage plans must be approved by the Center for Medicare and Medicaid (CMS). They must provide services that are equal to, or better than, services provided by the traditional Medicare Part A and Part B. Of course, the point of these plans is to provide services that will provide advantages over Part A and Part B!

What is the Problem With Medicare Advantage?

The recent flak over Medicare Advantage Plans is over the type of plan called PFFS (Private Fee For Service). These plans allowed access to “any doc”, or the enrolled person s choice of Medicare care. The problem there was that the doctor or other medical provider had to accept and bill to the plan. Since some of the plans were very new, medical providers like doctors, hospitals, and therapists did not have the plans yet. This caused prob (more...)

The importance of family health insurance programs is paramount. If a family has coverage for the children only and one or both parents suffer an illness, it is quite possible that the adult will delay medical treatment due to the rising cost of health care. Due to this decision, they put their health at severe risk potentially leading to a life threatening illness or the inability to work and/or care for the children. For this reason as well as several others, it is important for a family to consider health insurance coverage for all members.

What types of programs are available for family health insurance?

Family health insurance programs have changed from indemnity plans to managed care plans. The difference between them being indemnity insurance would allow you to go to a medical professional of your choice and both the patient and insurer would pay a portion of the bill. With managed care plans you have different options available such as, Preferred Provider Organizations (PPOs), Health (more...)