All is not lost when your Medicare Advantage plan terminates your coverage.

Recently, thousands in the Philadelphia area (and other areas) have been notified that their Medicare Advantage plan will terminate as of 12-31-09. While this may be particularly harsh to those on some low premium plans, subscribers in PPO's are finding they may actually be better off.

Depending on your age, and where you live, Medicare Advantage PPO subscribers are finding that a Medicare Supplemental Insurance plan, also called "Medigap" may be comparable in price, have no co-pays, no doctor networks, and better out of network coverage than they had on their PPO. Many are actually saving money when combined with the proper Medicare prescription drug plan.

Providing help to terminated Medicare PPO members has been the Senior Advisors Group, in West Chester, PA.  While it's not true in every case most everyone on a terminated PPO has been satisfied if not thrilled at the outcome. Since the Senior Advisors Group is independent and represent most of the top Medicare Supplement and Medicare Advantage plans in PA (And 11 other states) they’ll provide real, objective, advice; something the insurers just can’t match. Their experience and understanding of all the Medicare options will save hours of legwork, and provide a real explanation of benefits across multiple Medicare options. You can find them on the web at Senior Advisors Group.  So, with all the stress over terminated Medicare advantage plans, there may be a silver lining, and change in your pocket.