It’s not to late.  Act before December 31, 2009!

The open season for selecting or changing medicare supplemental  plans began Nov. 15 and ends Dec. 31. The number of Medicare drug plans varies from state to state, from a low of 39 in Alaska to 53 in Pennsylvania and West Virginia. In the District, there are 45 drug plans, with monthly premiums ranging from $11.60 to $99.90. Maryland seniors can choose from 45 plans with premiums from $11.60 to $120.20. In Virginia, there are 44 plans with premiums from $16.30 to $97.90.

Medicare’s easy-to-use “plan finder” allows seniors to plug in their medications and see which plan would have the lowest overall annual costs. But many seniors are uncomfortable going online or unable to use computers to sort through the different policies. Last year, only 688,000 seniors, or 2.5 percent, went online to enroll in Medicare drug or health plans. The rest did it the old-fashioned way: by telephone or letter.

Only an average of 7 percent of the 17 million seniors on Medicare drug plans switch plans each year, according to the Centers for Medicare and Medicaid Services, the federal agency that runs Medicare. Experts on Medicare say this suggests that millions of beneficiaries could be paying more than they should for their drug coverage.

It’s not too late, check out your coverage and compare it to other plans.
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For more information or to ask a question, you
can email by using the form at the top of this
page or contact me at the email below.
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If you want to see how much you qualify to receive,
for your reverse mortgage, you are welcome to use our
Free reverse mortgage calculator: http://www.seniorsrighttoknow.org/calculator.html

Sam Collins, President, Senior Advisor
Delaware Financial Capital Corp.
Licensed Mortgage Banker, DE, MD
Licensed by the PA Dept. of Banking
info@delawarefinancial.com