SRP-IMAGE-Logo

5 Steps to Selecting the Right Medicare Plan

Five words or less (NewsUSA) – Sponsored News – For people with Medicare, it’s time to select a 2017 Medicare plan. The Medicare Advantage and Prescription Drug Plan annual enrollment period runs from Oct. 15 to Dec. 7. It’s the time to research your options and select the plan that best fits your health needs and budget. Here are five simple steps to help you make the best decision: 1. Review your current Medicare health plan. Analyze how much you’ve spent on health care during the past year, including hospital expenses, prescriptions and doctor bills. This helps you benchmark your 2017 health-care expenses and determine if your current Medicare plan still meets your needs. 2. Select the type of Medicare plan that best fits your needs. Options include: * Original Medicare, which provides basic coverage for medical expenses without coverage for most prescriptions, and includes cost-sharing in the form of deductibles and coinsurance. This is Medicare Parts A and B. * Medicare Advantage, which includes all of the coverage offered under Original Medicare through a private insurer, and may include extra benefits, such as dental, hearing and vision coverage, a nurse advice line and fitness program, as well as prescription drug coverage. Medicare Advantage plans are steadily gaining popularity, with the number of enrollees more than tripling since 2004 to 17.7 million or nearly a third of Medicare beneficiaries, according to the Kaiser Family Foundation. This is Medicare Part C. * Medicare Prescription Drug Plans, which offer coverage for prescription medications, and can be added to Original Medicare, a Medicare Supplement (Medigap) plan or a Medicare Advantage Plan that does not include prescription drug coverage. This is Medicare Part D. * Medicare Supplement Plans, which pay some costs not paid by Original Medicare, such as deductibles and coinsurance. Enrollment in a Medicare Supplement plan is not limited to the Medicare Annual Enrollment Period and these plans do not have a set provider network. 3. Comparison Shop. Once you choose the type of Medicare plan that best fits your needs, research the costs, benefits and network of doctors and hospitals associated with each plan. Check to see if your hospital and doctors are included. 4. Consider the “extras” included. Some Medicare Advantage plans include extra benefits, such as a fitness program and exercise classes specifically designed for people with Medicare. Others include dental, vision and hearing benefits. Determine how important these extra benefits are to your lifestyle and wellness needs. 5. Seek help. Shopping for a Medicare plan can be daunting, but there are resources available to assist you. You can call 1-800-MEDICARE (1-800-633-4227) or TTY: 1-877-486-2048 24 hours a day, seven days a week for 2017 Medicare plan information. And websites like www.Medicare.gov and www.humana-Medicare.com can help you research plans available in your area before the Dec. 7 Medicare Advantage and Prescription Drug Plan annual enrollment deadline. Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits may change on January 1 of each year.

Local News

The Conrady Junior High School seventh-grade choir sings holiday songs before the beginning of the Hills Chamber's Christmas Party and "State of the Cities" addresses Tuesday night at the Hickory Hills Community Center. (Photos by Joe Boyle)

Palos Hills, Hickory Hills mayors optimistic about business growth

By Joe Boyle The mayors of Palos Hills and Hickory Hills said the emergence of new businesses and programs are an indication that both communities are looking forward to better days. Palos Hills Mayor Gerald Bennett and Hickory Hills Mayor Mike Howley both presented their “State of the Cities” addresses Tuesday night at the Hickory…

IllinoisTollwayLogo_HiRes

Tri-State Tollway lane closures Friday night over I-55

Overnight lane closures are scheduled this weekend for concrete work on the northbound Tri-State Tollway (I-294) over I-55. Traffic delays are expected. Beginning at 8 p.m. on tonight, December 9, and continuing until noon on Saturday, December 10, traffic on northbound I-294 between 75th Street and Joliet Road, traffic will be reduced to a single lane.…

Bourbons Smokehouse will hold a grand opening on Friday at Sheep's Food District in Orland Hills. (Photo by Bob Bong)

Comings & Goings: Grand opening today for Bourbons Smokehouse at Sheep’s Food District

By Bob Bong Sheep’s Food District in Orland Park may have something for everyone under one roof. Sheep’s is affiliated with the White Sheep, a breakfast and lunch restaurant at 14435 S. LaGrange Road in Orland Park. But while The White Sheep is open only for breakfast and lunch and closes daily at 3 p.m.,…

reporter oak lawn police logo

Man charged in fatal Oak Lawn shooting outside hospital

By Bob Bong Oak Lawn police say a fatal shooting outside of Advocate Christ Medical Center early Saturday morning stemmed from an earlier double homicide near 87th and Green streets. Marques Rose, 36, of the 8100 block of South Winchester in Chicago, has been charged with one count of first-degree murder for the shooting death…

Orland Park Mayor Keith Pekau sounds off Monday night about what he liked and didn't like about changes to the SAFE-T Act. (Photo by Jeff Vorva)

Pekau has mixed reactions to SAFE-T Act changes

By Jeff Vorva In response to criticism during the election campaign, the Illinois General Assembly has made some changes to the SAFE-T Act. Orland Park Mayor Keith Pekau, one of the act’s harshest critics, is not completely satisfied. Pekau has voiced criticism of the law, especially its no bail provision that kicks in on January…

Palos Heights Mayor Bob Straz encourages the city to build a wall honoring volunteers during Tuesday night's council meeting. (Photo by Jeff Vorva)

Palos Heights council talks wall of tributes

By Jeff Vorva Tributes were the talk on Tuesday. The Palos Heights City Council meeting featured a discussion on building a wall to honor volunteers in town and kicked ideas around to honor former aldermen Dolores Kramarski, who died in November, and Alan Fulkerson, who died in 2020. The council unanimously voted to foot a…

John Mahoney is not seeking re-election as the mayor of Palos Park. (Photos by Jeff Vorva)

Mahoney not running for Palos Park mayor; Milovich-Walters throws hat in the ring

By Jeff Vorva Palos Park will have a new mayor in 2023. John Mahoney will end his 16-year tenure as mayor next year after he announced this week that he will not run for a fifth term. “Every time you run for office you think about it,” the 60-year-old Mahoney said about leaving the post.…

SRP-IMAGE-Logo

Clear-Ridge Reporter and NewsHound December 7, 2022

Mary Stanek

Restaurant wall comes alive with art

By Mary Stanek Your correspondent in Archer Heights and West Elsdon 3808 W. 57th Place • (773) 284-7394 Soar up high with the beauty and grace of a butterfly–Unknown author. My favorite watering hole in years past, Andy’s, at 57th Place and Pulaski, has been a restaurant now for a few years. I recently noticed…

Peggy Zabicki

Something to be truly thankful for

By Peggy Zabicki Your correspondent in West Lawn 3633 W. 60th Place • (773) 504-9327 Thank you, one and all, for the texts and calls. I wasn’t feeling well last week and couldn’t write my column. I didn’t have COVID-19. I had that before there were vaccines for it. For me, COVID-19 was no big deal. On my worst day…

Neighbors

DVN JCs Restoration House Ad
The Conrady Junior High School seventh-grade choir sings holiday songs before the beginning of the Hills Chamber's Christmas Party and "State of the Cities" addresses Tuesday night at the Hickory Hills Community Center. (Photos by Joe Boyle)

Palos Hills, Hickory Hills mayors optimistic about business growth

By Joe Boyle The mayors of Palos Hills and Hickory Hills said the emergence of new businesses and programs are an indication that both communities are looking forward to better days. Palos Hills Mayor Gerald Bennett and Hickory Hills Mayor Mike Howley both presented their “State of the Cities” addresses Tuesday night at the Hickory…

IllinoisTollwayLogo_HiRes

Tri-State Tollway lane closures Friday night over I-55

Overnight lane closures are scheduled this weekend for concrete work on the northbound Tri-State Tollway (I-294) over I-55. Traffic delays are expected. Beginning at 8 p.m. on tonight, December 9, and continuing until noon on Saturday, December 10, traffic on northbound I-294 between 75th Street and Joliet Road, traffic will be reduced to a single lane.…

Bourbons Smokehouse will hold a grand opening on Friday at Sheep's Food District in Orland Hills. (Photo by Bob Bong)

Comings & Goings: Grand opening today for Bourbons Smokehouse at Sheep’s Food District

By Bob Bong Sheep’s Food District in Orland Park may have something for everyone under one roof. Sheep’s is affiliated with the White Sheep, a breakfast and lunch restaurant at 14435 S. LaGrange Road in Orland Park. But while The White Sheep is open only for breakfast and lunch and closes daily at 3 p.m.,…

reporter oak lawn police logo

Man charged in fatal Oak Lawn shooting outside hospital

By Bob Bong Oak Lawn police say a fatal shooting outside of Advocate Christ Medical Center early Saturday morning stemmed from an earlier double homicide near 87th and Green streets. Marques Rose, 36, of the 8100 block of South Winchester in Chicago, has been charged with one count of first-degree murder for the shooting death…

Orland Park Mayor Keith Pekau sounds off Monday night about what he liked and didn't like about changes to the SAFE-T Act. (Photo by Jeff Vorva)

Pekau has mixed reactions to SAFE-T Act changes

By Jeff Vorva In response to criticism during the election campaign, the Illinois General Assembly has made some changes to the SAFE-T Act. Orland Park Mayor Keith Pekau, one of the act’s harshest critics, is not completely satisfied. Pekau has voiced criticism of the law, especially its no bail provision that kicks in on January…

Palos Heights Mayor Bob Straz encourages the city to build a wall honoring volunteers during Tuesday night's council meeting. (Photo by Jeff Vorva)

Palos Heights council talks wall of tributes

By Jeff Vorva Tributes were the talk on Tuesday. The Palos Heights City Council meeting featured a discussion on building a wall to honor volunteers in town and kicked ideas around to honor former aldermen Dolores Kramarski, who died in November, and Alan Fulkerson, who died in 2020. The council unanimously voted to foot a…

John Mahoney is not seeking re-election as the mayor of Palos Park. (Photos by Jeff Vorva)

Mahoney not running for Palos Park mayor; Milovich-Walters throws hat in the ring

By Jeff Vorva Palos Park will have a new mayor in 2023. John Mahoney will end his 16-year tenure as mayor next year after he announced this week that he will not run for a fifth term. “Every time you run for office you think about it,” the 60-year-old Mahoney said about leaving the post.…

SRP-IMAGE-Logo

Clear-Ridge Reporter and NewsHound December 7, 2022

Mary Stanek

Restaurant wall comes alive with art

By Mary Stanek Your correspondent in Archer Heights and West Elsdon 3808 W. 57th Place • (773) 284-7394 Soar up high with the beauty and grace of a butterfly–Unknown author. My favorite watering hole in years past, Andy’s, at 57th Place and Pulaski, has been a restaurant now for a few years. I recently noticed…

Peggy Zabicki

Something to be truly thankful for

By Peggy Zabicki Your correspondent in West Lawn 3633 W. 60th Place • (773) 504-9327 Thank you, one and all, for the texts and calls. I wasn’t feeling well last week and couldn’t write my column. I didn’t have COVID-19. I had that before there were vaccines for it. For me, COVID-19 was no big deal. On my worst day…

DVN First United Realtors House Ad
Regional Capri Restaurant House Ad