In a recent conversation with Pat Salas, CEO of SBHIS Insurance Services, we delved into the complexities of Medicare changes that will impact thousands of seniors in the coming year. Effective January 1, 2024, Scripps Clinic and Scripps Coastal will terminate their relationship with all Medicare HMO plans, affecting over 32,000 seniors here in San Diego. This seismic shift raises questions about what affected members should do next.
Pat Salas outlined a solution – Medicare supplements. These plans offer guaranteed access, renewability and portability, providing seniors with peace of mind and continuity of care. However, they come with premiums, which can become burdensome as individuals age.
For those previously ineligible due to health conditions, there is hope. Some special election periods exist, with one plan offering an underwriting holiday in the last three months of the year. Moreover, the “birthday rule” allows beneficiaries to explore more affordable Medicare supplement options during their birthday month.
Salas emphasized the importance of informed decision-making. With misinformation rampant, seniors may make choices that do not align with their long-term goals. That is where SBHIS Insurance Services steps in. They offer guidance and support from local experts who understand the healthcare market inside out, as well as our hometown market.
Pat Salas urges seniors and their families to avoid procrastination. Time is of the essence in making these critical decisions. Calling SBHIS Insurance Services or visiting their offices can provide the clarity needed to navigate these changes effectively.
In this shifting Medicare landscape, it is clear that having a trusted partner like SBHIS Insurance Services is invaluable. With their expertise, seniors can make informed choices that ensure they receive the care they deserve and maintain their relationship with their doctors. Do not wait – act now to secure your healthcare future.
http://www.sbhis.net