Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

Beneficiaries eligible for their Initial Coverage Election Period (ICEP) are sometimes told that they should elect medical coverage at the beginning of their 7-month window, but can defer their decision to elect Part D until the end of the election period. CMS grants one election per election period, and will recognize that an election is made once a Medicare plan becomes effective. The effective date for medical coverage should be the same as the effective date for Part D coverage (if the beneficiary purchases a Part D plan.)

Example: Mary’s ICEP runs May 1- November 30. Mary chooses a medical plan effective August 1, 2013. Mary’s agent tells her that she can save money on her premiums by waiting to elect her Part D plan until November, for a December 1 effective date. When Mary submits her Part D application in November, it is rejected by CMS because Mary does not have a valid election period; she has already used her one ICEP election.

Bottom line: Be sure your advisor is truly a Medicare specialist and not just doing this on the side.  Sometimes what seems like a great idea can cost a lot of money in penalties or out of pocket costs when you suddenly find yourself without the coverage you expected.

Undoubtedly you’ve seen the articles saying that not getting enough care about health may add your risk of infinite health woes. With the market flooded with varied web-sites selling sundry drugs, purchasing remedies online is no longer a problem for common man. What can we purchase without recipe? For instance Some medicines used to treat bacterial infections, such as certain respiratory infections. Flagyl does not work for colds and similar maladies. Viagra which is used to treat impotence and other states when erection is of low quality. Cialis is a remedy prescribed to treat divers problems. What do you already know about ? What do you have to study about ? The signs of sexual diseases in men include impossibility to get an orgasm despite adequate sexual stimulation. Is it strong? Any sexual claim must be evaluated. In point of fact, a medical reviews found that up to half of men on such preparation experience side effects. Are you considering to purchase drugs, such as Cialis, online? Do not take more of Cialis or any other cure than is recommended. This article reviewed some important data to bear in mind, as well as how you can find options to buy medicines.