()– You can choose your 2020 health plan if you are one of the 56 million Americans who are eligible for Medicare.

It can be time-consuming to research, so many people find it helpful to work with a licensed agent when choosing between Original Medicare, Medicare Advantage plans and Prescription Drug Plans. These questions will help you make informed decisions during the Medicare Annual Wahl Period (October 15 to December 7, 2009).

* Are my doctors, hospitals and specialists in network? Many Medicare Advantage plans have online tools that can help you locate doctors and hospitals within a plan’s network. If you are a seasonal resident, a licensed agent can help you search for doctors and hospitals in your area.

* Which plans will cover my prescription drugs? Original Medicare does NOT cover most prescription drugs. You can either sign up for Part D Prescription Drug Plans separately or as part of many Medicare Advantage plans that include prescription drug coverage. A licensed agent can help you to determine how much each drug will cost on a plan and look up any medications that you want covered.

* Are there new, innovative benefits I should consider? You should look into fitness benefits, as many Medicare Advantage plans provide a gym membership. Virtual doctors are useful services for those who travel and appreciate technology. Many Medicare Advantage plans offer transportation to the doctor’s office and to the gym.

There are many resources available to assist you in this process. These include licensed sales agents, local seminars and websites like medicare.gov humana.com/Medicare. You can also dial 1-800-MEDICARE (1-833-4227 or TTY: 1-877-486-2048), 24 hours a days, seven day a week.

Humana is a Medicare Advantage HMO/PO, PFFS and PFPO organization. Also, it can be used as a standalone prescription drug plan with a Medicare contract. Renewing your plan is necessary to be eligible for enrollment in any Humana program.

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