Adrian Fristensky and InsurancePlanning101 Offering Five Medicare Plans in 2014
InsurancePlanning101.com has been an Independent Life Insurance Agency since 1991 and has worked with Medicare plans since 1989. In the 2014 plan year, Adrian Fristensky, the owner, will be contracted and certified with SCAN, Healthnet, Aetna, UHC and Anthem.
The Medicare Advantage programs are run by private insurance companies that receive a set dollar amount from the federal government. With that money, they then contract with doctors, pharmacies, hospitals and other providers to create the plans that are so popular with Medicare beneficiaries today. One can see that with less and less money each year, the insurance company may have to change the plans they offer on any number of ways, including charging or increasing a monthly premium, increasing copays at the doctor's office or when hospitalized.
Fristensky has already seen the affects in some areas. "I know many seniors who rely on these plans and cannot afford much, if any additional costs that may be passed on to them. Some folks are literally living on their Social Security checks and help from children. Any cutbacks to the benefits or additional costs for these plans could be devastating."
Adrian Fristensky holds insurance licenses in California, Arizona, Washington and Oregon.