Tips for shopping for Medicare Advantage plans

Deadlines:

Monday-Friday 8:30am-4:00pm, Call 610-915-2226

(Proofs will be provided for accuracy only, they will not be styled/formatted like the finished product)

Obituaries submitted on Saturday, Sunday and Holidays are accepted from 8:30 a.m. to 3:00 p.m. by email only

(No proofs will be furnished. Pricing will not be available until the next business day after 10:00am by calling Dianne at 610-915-2226)

Obituaries received after Deadline will not be published in the following edition of the paper.

Sending Procedure:

Email is the preferable method for receiving Obituaries (and the only method on Saturday, Sunday and Holidays), they can be sent to (Feel free to call and confirm that we've received the email)

Formatting:

Obituaries will continue to visually look the same as they currently do, but you will no longer be restricted in what you can say (ex. As much Family can be listed as you'd like; Wording like "Went to rest with the Lord" is now permissible)

Other:

There is a cost for each obituary. Pricing and payments are only available Monday through Friday, 8:30 am to 4:00 pm. All weekend and holiday submissions will be provided a cost the next business day.

Exceptions:

All New accounts, Out of State Funeral Homes and Private Parties will require prepayment upon approval of the obituary. Weekend and Holiday staff are not authorized to set up a new account or process payments

Deadline for the above is before 4:00 PM Mon – Fri. only (Holiday schedules may vary).

Prepayment required submissions will be handled on the very first business day following the weekend and/or holiday schedule. A complete name, address and best contact phone number are required upon submittal of your obituary request to set up your account. A proof will then be emailed for review but placed on hold until payment is received.

Health Writer

Shopping season for Medicare coverage is about to begin. With it comes the annual onslaught of TV ads and choices to consider.

People eligible for the federal government's Medicare program will have from Oct. 15 to Dec. 7 to sign up for 2025 Medicare Advantage plans, which are privately run versions of the program. They also can add a prescription drug plan to traditional Medicare coverage.

Many people on Medicare Advantage plans will probably have to find new coverage as major insurers cut costs and pull back from markets. Industry experts also predict some price increases for Medicare prescription drug plans.

Shoppers often have dozens of options during this sign-up period. Here are some things to consider.

Don't put it off

Start thinking about next year's coverage before the annual enrollment window begins. Insurers will usually preview their offerings or let customers know about any big changes. That makes anything arriving in the mail from your insurer important to read.

Insurance agents say many people wait until after Thanksgiving to decide coverage plans for the new year. That could be a mistake this year: The holiday falls on Nov. 28, leaving slightly more than a week to decide before the enrollment window closes.

Look beyond the premium

Many Medicare Advantage plans promote a $0 premium. That may sound attractive, but price is only one variable to consider.

Shoppers should look at whether their doctors are in the plan's coverage network and how prescriptions would be covered. They also should know the maximum amount under the plan that they'd have to pay if a serious health issue emerges.

Plans offer many supplemental benefits, including help paying food or utility bills. Don't let those distract from understanding the core coverage, said Danielle Roberts, co-founder of the Fort Worth, Texas, insurance agency Boomer Benefits.

"Remember that we buy health insurance for the big things, not the frills," she said.

How to get help shopping

The federal government operates a plan finder that lets people compare options. The State Health Insurance Assistance Program can be another resource. Insurance brokers or agents also guide customers through searches.

Sometimes a plan's coverage doesn't work as expected. If that happens, there's another enrollment window in the first three-months of each year where some shoppers may be able to make a change.