By JANE ZHANG
Changes are coming next year to private health plans offered to Medicare enrollees.
Seniors covered by the so-called Medicare Advantage plans will likely see higher premiums or fewer benefits. And a small number of them will find that their plans no longer exist. Advantage plans wrap physician and hospital services in one, often with additional benefits such as vision and drug coverage.
Advantage plans may become more consumer-friendly, however, since they will have to abide by new government rules, such as stricter marketing standards and caps for out-of-pocket costs. Also, plans will be required to explain in clear language what they cover in things like the "doughnut hole," a coverage gap where consumers generally must pay the full cost of their medicines up to a given amount. The aim is to make it easier for consumers to compare options and costs.....
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