Secure Horizons Not Renewing Some Medicare Advantage In Alabama

Secure Horizons Medicare Advantage PFFS Not Renewing In AlabamaSecure Horizons is not renewing plans in Alabama

It happens every year. Insurance companies that offer Medicare Advantage plans either renew their plan offerings or they choose to discontinue some or all of their Medicare Advantage plans. Secure Horizons has chosen to leave the private fee-for-service market in Alabama. Plan members may be able to enroll in another Secure Horizons Advantage plan if one is available.  But for some members in more rural Counties where PFFS plans were the only choice, enrolling in a plan from another company may be the only option.

What if your Alabama Secure Horizons plan is not renewing for 2011?

The first thing you shouldn’t do is panic. Secure Horizons, just like any other carrier that is exiting a market, must honor their contract for the remainder of the year. If your plan is not renewing you are protected. Secure Horizons must:

Now that your Medicare Advantage plan is not renewing you have several options available to you. You are now granted a Special Enrollment Period (SEP) beginning October 1 through January 31. You will have some flexibility to make some choices. You can:

The last option, purchasing a Medigap policy, may actually be a blessing in disguise. If your Medicare Advantage plan is not renewing for the following year, you are entitled to guaranteed issue rights for a Medicare supplement insurance policy. You cannot be denied coverage for any preexisting condition.

You may want to consider Medicare supplement plan N as a good alternative to a Medicare Advantage plan. In some instances plan N has a lower monthly premium than some Advantage plans.

Whatever you decide, rest assured that you are covered through the end of the year even if Secured Horizons chooses not to renew their Advantage plans. Now is the time to get busy and compare Advantage plans and explore Medicare supplement plans. All the information that you need can be found online.


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