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Medicare Supplement Plans 2019 | What Do I Need to Do?  Christopher Westfall
 
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http://SeniorSavingsNetwork.org 1-800-729-9590 2019 Medicare Supplement Plans | What Do I Need to Do? If you are on a Medicare Supplement plan, this end-of-the-year Medicare season has nothing to do with you, except for the need you have to shop your drug plan. Medicare Supplements (not to be confused with Medicare "Advantage" plan), do not change benefits and you cannot be canceled from such a plan. Your Medicare Supplement, whether Plan G, Plan F, Plan N, etc. will remain with the same benefits as when you signed up. What can change? The rates. If you are notified of a rate increase, you can shop your Medicare Supplement plan ANY time of the year, not just in October, November, or December of each year. You are in complete control and there is not a "season" for shopping Medicare Supplement plans. Medicare Advantage plans change every year and it is critically important that you shop those plans during the small, eight-week period of the "Annual Election Period." We do not specialize in these plans due to their complexity and the number of problems we have seen with senior clients on these, sometimes "free"/no premium HMO plans throughout the country. My Medicare Supplement shopping service is 100% free. If you would like to know the BEST plans available where you live, please call me at 1-800-729-9590. You can actually call 24 hours a day here. We will get you the best, unbiased, independent rate information customized for what you qualify for, which is far different than just giving you a "quote engine" and having you look at companies that might not even be available for you, given, your health qualifications, etc. If you would like to NOT have to become and insurance agent in order to figure out the best plan and you would like some behind-the-scenes help from an agency who has helped thousands of clients in 46 states over the past 25 years, please call my office. There is no charge for my help. How? The same way there is no charge for your auto insurance agent's help, or homeowner's insurance agent. We work the same way. By being independent, we work for our client, not the insurance company. This way, we keep your best interest in mind when shopping the market. We will show you all of the available companies, then make a recommendation based on our actual experience with those companies in your market. This experience is priceless in the selection process. Please let me help you. http://SeniorSavingsNetwork.org 1-800-729-9590 Christopher Westfall Medicare help More helpful videos: https://www.youtube.com/watch?v=bmU0KdQuxbU&list=PL9io3Cp5sglCDzPtiKBsNDMPbqfFJSsvE I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Просмотров: 23492 Christopher Westfall
Medicare Advantage Plans 2019 - Unhappy With Medicare Advantage? How To Leave Your Plan In 2019
 
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Medicare Advantage Plans 2019 Are Now! Learn how to choose the right policy when faced with hundreds of options to choose from. A Complete Medicare Resource Center https://www.MedicareonVideo.com Phone: 1-877-88KEITH (53484) Medicare Choices Made Easy Medicare Supplement vs Medicare Advantage plans - what is the difference What Does Medicare Cost in 2019? Everyone want to know about Medicare. Pre existing condition Medicare supplement insurance · Medicare drug plans comparison · enrollment period for Medicare · threshold for additional Medicare tax are other complicated without help. Do you want to learn how to sign up for Medicare if you have coverage through the Health Insurance Marketplace? Can I switch from Medicare Advantage to Medigap? Search our online video libraries, we have many videos answering all you r questions and can help you through the process if needed. A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover. Copayments are one of those things. You must stay informed because upcoming 2019 Medicare Advantage changes happens quickly. Medicare on Video is insurance agency specializing in Medicare supplement plans Medicare advantage plans and Medicare part d plans…actually we are a complete Medicare resource center. if you are unhappy with your Medicare advantage plan and want to go back to traditional Medicare this video shows that there are many options outside of the annual enrollment period that could allow you to leave your plan. If you are interested in changing your coverage from a Medicare Advantage to a Medigap plan it cannot be initiated without completing a medical questionnaire. For those who reside in a chronic care facility or have received a diagnosis of end stage renal disease you will not be eligible to enroll for the Medicare advantage plan at this time. one thing that is happening more and more to people on PPO Medicare advantage plans is someone can start out on a PPO Medicare advantage plan they have it for a few years. PPO’s still exist and if you purchase a PPO Medicare Advantage plan that does mean you won't have to deal with managed care but that's the only upside. Call 1-877-88KEITH (53484) for free quote on your Medicare supplement or for any advice on Medicare Advantage vs Medicare Supplement. When your Medicare cost plan passes you can acquire a special election period to join in a Medicare Advantage plan if you wanted to do that. Many people still choose to go with a Medicare Advantage plan. Medicare Supplement, or Medigap, insurance plans fill in “gaps” in basic benefits left behind by Original Medicare, Part A and Part B, such as deductibles, coinsurance, and copayments. Watch My Most Recent Video Here: https://goo.gl/jzN8Rn Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn QUICK AND EASY MEDICARE SUPPLEMENT QUOTES https://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Su... Twitter: https://twitter.com/medsupsavings.com LinkedIn: https://www.linkedin.com/pub/keith-ar... YouTube Channel: https://www.youtube.com/user/BigHealt... © Best Medicare Supplement Plans 2019 By Medicare On Video - All Right Reserved.
Просмотров: 2654 Keith Armbrecht
Medicare Advantage Plans
 
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Medicare Advantage Plans. Medicare HMO and PPO. Free Medicare. Visit us: http://medigapseminars.org An independent Medicare Insurance broker Call us at 800-847-9680 Our YouTube Channel: https://www.youtube.com/channel/UC4vgYKig-7gkHDsBTIlR_3A See our entire free educational series on Medicare: https://medigapseminars.org/on-demand-webinar/ This is the same video as our original version, except the volume settings are higher. This 22-minute video goes over all you need to know about Medicare Advantage plans. You learn the primary types of Medicare Advantage plans (i.e. HMO's & PPO's) and who Medicare Advantage plans are best for. We talk about why there are Medicare Advantage plans without prescription drug coverage and why some have bundled prescription drug plans. You also learn what to watch out for when selecting a plan. Contact Us: https://medigapseminars.org/contact-us/ Other Videos: https://medigapseminars.org/on-demand-webinar/ Call us 800-847-9680 Facebook: https://www.facebook.com/MedicareWebinars/ Florida Humana Medicare plans Florida United Healthcare AARP Medicare Plans Lowest cost Medicare Plans When you start Medicare you have the choice of keeping your Original Medicare or switching to a Medicare Advantage plan run by a private, for-profit insurance company. Original Medicare is the Medicare parts A & B and D that we have detailed in previous videos. In this video we will talk about Medicare Advantage plans. In our next video of this series we will discuss Medicare Supplement or Medigap plans. You are only allowed a Medicare Supplement plan if you keep your Original Medicare. You cannot have a Medicare Supplement or Medigap plan and a Medicare Advantage plan at the same time. So, let’s talk about Medicare Advantage plans. 1. Medicare Advantage plans replace your Original Medicare. They are not supplements. They do not supplement or enhance your Medicare coverage, they replace it. (show book) When you choose a Medicare Advantage plan the benefits and appeals processes outlined in this guide are no longer relevant. You can throw this book away. Your benefits will be detailed in an “Evidence of Coverage” provided by the insurance company you choose to replace your Medicare, along with their “Annual Notice of Change”. You no longer need to show your doctor your red, white and blue Medicare card or Medicare number, you will have a new card provided to you by the insurance company. You can no longer appeal your benefits to Medicare. Medicare is out of the picture as far as your personal service in concerned. If you decide to appeal an insurance decision, you must appeal to the insurance company. 2. Medicare Advantage plans are typically HMOs or PPOs and on occasion a Private-Fee-for-Service plan. HMO stands for Health Maintenance Organization. PPO stands for Preferred Provider Organization. We will talk more about both of those in a minute. What is important to understand is that Medicare Advantage plans are not standardized, they are regulated to meet a certain minimum coverage. That is an important concept, so let me explain further. Medicare Part A & B is standardized. Medicare Supplement plans are standardized. Everyone in those plans receives the exact same benefits, they can see the exact same doctors and should have the exact same experience. With Medicare Advantage plans, each plan has different benefits, different co-pays, and deductibles, covers different medical services and has a different network of doctors and hospitals. Everyone’s experience is different and depends on which plan they have chosen. In additional; all the benefits, co-pays, deductibles and the doctors and hospitals in the network can and will change each and every year. It will be your responsibility to keep up with the changes via their mandatory Annual Notice of Change. It’s your responsibility to study this annual notice and determine how the changes may impact your healthcare. Medicare Advantage plans are regulated to meet a certain minimum standard. That minimum standard dictates that they must be actuarially equivalent to Medicare Parts A and Part B. That’s an interesting term “actuarially equivalent”. What does that mean? Medicare PPO, Medicare HMO, Medicare Advantage For an online resource center or to apply for Medicare visit http://www.medicare.gov To learn about the history of Medigap visit: https://en.wikipedia.org/wiki/Medigap
Просмотров: 6788 MedigapSeminars.org
2019 Humana Medicare Advantage HMO Sales Presentation
 
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Humana 2018 Medicare Advantage (Part C) with Prescription Drug Coverage (Part D) HMO Sales Presentation
Просмотров: 1363 David Normand Insurance
Upcoming 2019 Medicare Advantage Changes
 
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Have Questions? Ready To Get Started? Visit us at www.TheAgentsAdvisor.com E-mail us at Info@TheAgentsAdvisor.com Call us at 877-886-4829
Просмотров: 2310 Advisor TV
How Medicare Part D Works in 2019
 
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People new to Medicare are often bewildered when trying to understand how Medicare Part D works. While an optional pharmacy card seems like it should be fairly simple, it isn't. Medicare Part D has four stages: the deductible, initial coverage, the coverage gap (or donut hole) and catastrophic coverage. Medicare has a standard model which all Part D plans must follow, but within that model, they can set some their own premiums, copays and deductibles. This means that plans vary. One plan might have no deductible, while another might have a $100 deductible and another might have a $415 deductible, up to whatever limit that Medicare allows for that year. You will pay out of pocket for your medications up until you have reached that deductible, and that's when your plan will kick in and begin to pay some benefits toward your medications costs. This is called the Initial Coverage Level and during this stage, you will pay just a copay or coinsurance toward the cost of your covered medications. Each drug plan will have its own formulary (list of covered drugs) and usually there are 5 tiers: preferred generics, non-preferred generics, preferred brands, non-preferred brands and specialty medications. Each tier will have a set copay or coinsurance percentage that you pay whenever you will fill a prescription for one of the drugs in that tier. Medicare tracks your spending and the insurance plan's spending. When the total drug spending between you and the insurance company together reaches $3820 in 2019, then you will enter the coverage gap. During the gap, your plan can charge you up to 25% of the cost of your brand-name drugs and up to 37% of the cost of your generics. So you may find that during the Initial Coverage level you pay one copay for your brand name drugs and then during the gap, you will pay as much as 25%. This may increase or decrease what you pay out of pocket depending on the retail cost of the drug. While you are filling medications in the gap, or donut hole, Medicare continues to track all Part D spending. When that spending plus insurance company discounts reaches $5100 for the year, you then enter catastrophic coverage. At this state, the Part D insurance company must pay 95% of the cost of your drugs for the rest of the year. This protects you from catastrophic drug spending on very expensive medications. In my opinion, the catastrophic coverage is the most important reason for buying a Part D drug plan. We never know when we might fall ill, and this coverage can protect you. Boomer Benefits provides free claims support for life for all of our Medigap and Medicare Advantage policyholders so that you are never alone in dealing with Medicare. We also hand the annual Part D analysis for our policyholders for free as long as they have their Medigap or Medicare Advantage plan. New to Medicare? Attend our FREE Medicare 101 Webinar: https://boomerbenefits.com/webinars Get our FREE 6-Day Medicare Video Email course with bonus Medicare cost worksheet: http://boomerbenefits.link/mini-course To learn about Medicare and Employer Coverage: https://boomerbenefits.com/new-to-medicare/medicare-and-employer-coverage/ Join our 75,000 Fans on Facebook: http://www.facebook.com/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Subscribe for NEW YouTube Videos! Be sure to hit the bell to be notified whenever we publish them: https://boomerbenefits.link/subscribe ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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Medicare HMO VS Medicare PPO - What Are The Differences?
 
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What are the differences between a Medicare HMO and a Medicare PPO? Get the facts and learn why the benefits of each type of plan. If you would like to learn more about your Medicare plan options get my 8 Part Video Mini-Course. It's absolutely free! Get instant access: http://free-mini-course.com A Medicare HMO and a Medicare PPO are both Medicare Advantage Plans that utilize a provider network. Both require that you choose a primary care provider, but that's where the similarities end. With a Medicare HMO you will be required to seek referrals from your primary care provider. You also must stay within the plan's network except in the case of an emergency. The benefit of choosing a Medicare HMO is that you will often have lower out-of-pocket costs over other network-based plans. With a Medicare PPO you are not required to get referrals to visit other providers. You can also go out-of-network to receive covered services. Going out-of-network when enrolled in a Medicare PPO will often require higher out-of-pocket costs. The main benefit of this preferred provider arrangement is that you can have lower costs while using network providers, yet have the flexibility to go out-of-network if you desire. The type of network is only one consideration of enrolling in a Medicare Advantage Plan. Review the plan's Summary of Benefits and Part D formulary as well to be certain you are choosing a suitable plan.
Просмотров: 3273 David Forbes
NEW! Humana $0 Premium Medicare Advantage Gold Plus HMO 2018
 
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Ask me about the New Humana Medicare Advantage Gold Plus HMO Plan for 2018. The monthly premium is $0 (Zero) Call me direct at: (248)601-2696.
Просмотров: 495 Michael Packer
How to Choose a Medicare Drug Plan - 1-877-88KEITH (53484)
 
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How to Choose a Medicare Drug Plan. Complete Medicare Resource Center here: http://www.MedicareonVideo.com 1-877-88KEITH (53484) Important Points to Know about Obtaining Medicare Drug Coverage When enrolling for Medicare you can get coverage for prescription drugs. Medicare drug coverage is available through private insurance companies approved by Medicare. There are different ways to obtain the coverage with associated costs that vary depending on other coverage used with this plan. It is important to know how this works with other insurance you have in order to get the best coverage. Here is what you need to know about this option. How Do You Get Coverage You have two options to get drug coverage including through Medicare Part C Advantage Plan or through Part D Prescription Drug Plan. The most common way is through Part D. This plan can be used with original Medicare and other plan option such as a Medical Savings Account (MSA) or Medicare Cost Plans. Part C or Medicare Advantage Plan includes using a PPO or HMO along with benefits similar to Part A and B. You may be required to sign up for Part A and B in order to obtain Part D with Part C. Medicare drug coverage options may vary and could change depending on what Part C covers. Associated Costs and Getting Help Your income will determine how much you pay toward prescription drugs. If you receive Social Security you can have costs deducted from your Social Security payment. You may be required to satisfy an annual deductible before the drug coverage starts to pay. You may be required to pay a copay or coinsurance after paying a deductible (if your plan has this requirement). There are drug plans with different tiers that show how much you could pay depending on related costs. Generic drugs may have cheaper copay than name brand. The copay can be anywhere from a few dollars to $10 or so. The coinsurance is roughly a percentage of what the beneficiary pays before Medicare insurance covers costs. An example may be 20 or 25 percent. When you pay for drugs you are paying for a month supply unless stated otherwise. There is potential for out-of-pocket costs to be paid by the beneficiary if the insurance does not cover the cost, but in few cases this is rare. Additional Tips on Drug Coverage You can get help paying for Medicare drug coverage if you qualify. You may need to provide proof of documentation to show your eligibility for assistance. Such options may allow you to pay just a few dollars for medicine. You can obtain help when you are receiving medication and before your supply runs out for the month. The amount you pay for your plan varies based on drugs used, plan option, where you go to obtain prescriptions, if the drug is on the formulary approved by Medicare, and whether you qualify for assistance in paying for drug costs. You may qualify for assistance by your state if you receive Medicare Part A and/or Part B coverage. Enroll for coverage during the initial period to avoid paying penalites. Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn Watch My Most Recent Video Here: https://goo.gl/jzN8Rn ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Просмотров: 20885 Keith Armbrecht
Compare Health Insurance Plans for 2019  Medical #Cost Shares and #Benefits #health #medical #hsa ⭕️
 
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You can find a side by side comparison of 2019 health plans on our web site: https://insurancecenterhelpline.com/health-insurance please subscribe to our channel for more videos! https://www.youtube.com/letstalkmoneychannel . If you are shopping for health insurance for year 2019, this presentation will help you see side by side comparison of various health plans and possibly help you decide what plan would work best for you and your family. Confused and have questions about: penalty for 2019, open enrollment to buy health insurance, deductible, copays, coinsurance, bronze, silver, gold and platinum plans, blue shield, Kaiser, VHP, Valley Health Plan, Anthem Blue Cross, United Healthcare, HealthNet, Oscar, Sutter Health, Delta Dental, dental and vision insurance etc. we can help answer all these questions!
Просмотров: 21546 Let's Talk Money Channel
Medicare Advantage Travel Benefits: HMO Secrets 2019
 
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Medicare Advantage enrollees traveling out of state? There is something you can do with several great carriers to keep them in network, their co-pays low, and keep them very happy! Watch to find out how! This video breaks down our HMO Secrets for Medicare Advantage Travel Benefits and will help you better serve your clients and their specific needs. Several companies offer plans in the Medicare Advantage market such as United Healthcare with the Passport Plan, Aetna with the Explorer Plan, but some don’t such as Cigna. Be sure to subscribe to our channel for up to date information on Medicare and Insurance. Call us today at (800)388-8342 and talk to one of our agents about the options you have. NEW TO OUR CHANNEL??? Subscribe to see more great videos of ours. YouTube : https://www.youtube.com/user/GordonMarketing KEEP UP TO DATE!!! Follow us on social media. Facebook: https://www.facebook.com/GordonMarketing/ LinkedIn: https://www.linkedin.com/company/gordon-marketing/ Instagram: https://www.instagram.com/_gordonmarketing/ Twitter : https://twitter.com/GordonMarketing Google+ : https://plus.google.com/u/0/+GordonMarketing Gordon Marketing 20236 Hague Rd Noblesville, IN 46062 www.GordonMarketing.com (800)388-8342 #MedicareAdvantage #insuranceagent #medicaretraining
Просмотров: 274 Gordon Marketing
Medicare Advantage vs Medicare Supplement 2019
 
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Medicare Advantage vs Medicare Supplement 2019 the facts you need to know. 844-528-8688. Compare Medicare Supplement Prices https://mymedicaresupplementplan.org Get Free Medicare Academy Video Course: https://mymedicaresupplementplan.org/medicare-academy-enrollment/ Call 1-844-528-8688 for FREE quote on your Medicare Supplement or for any advise on a Medicare Advantage vs Medicare supplement. As discussed in this video https://youtu.be/TRMX3LZJ2bU Medicare Advantage plans have many differences to a Medicare Supplement (Medigap) Plan. The biggest is the network, in a Medicare Advantage Plan you will be required to stay in Network for all your Medicare procedures. This fact alone can cause some major problems if you need a specialist or care facility out of Network. The second biggest issue is that the plan can change at any time and you are locked in for a year. Your best option in most circumstances is to go with a Medicare Supplement during your original open enrollment and then making a change next year if you feel it is not a good fit or that the premiums are much to high. _________________________________________________________________ **Dont miss a single Medicare Supplement video Click Below to SUBSCRIBE** https://www.youtube.com/channel/UCpeawY2B_hUuZhV26QAwRuQ?sub_confirmation=1 _________________________________________________________________ Loran Marmes Medicare Solutions Team 844-528-8688 https://mymedicaresupplementplan.org Facebook: https://business.facebook.com/medicaresolutionsteam
Просмотров: 6066 Medigap TV
2019 Part D Changes and Donut Hole Example
 
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Watch this video to find out: - how Part D of Medicare works - how the "donut hole" works - what's changing in 2019 with Part D of Medicare Go to our website to submit your Form: https://www.senior-advisors.com/free-rx-analysis Or Call with any questions: Moorestown Office: 856-866-8900 Cranford Office: 908-272-1970
Просмотров: 2131 Senior Advisors
8 Changes to Watch Out for During Medicare Open Enrollment for 2019
 
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Getting ready to enroll in a Medicare Advantage or Medicare Part D plan for 2019? You may have more plans to choose from, the premiums may be lower, and some Medicare Advantage plans are adding benefits. That’s why this open enrollment period is a particularly good time to shop for coverage even if you’ve been happy with your current plan. Open enrollment for Part D and Medicare Advantage runs from October 15 to December 7 for coverage starting January 1, 2019. Here are eight changes to be on the watch for this enrollment season. Please leave your comments or feel free to discuss in the comments section. Your feedback will be appreciated. Thanks for watching!! Like! Share! Comment! Subscribe! Youtube Channel: https://www.youtube.com/checkfacts360 Facebook: https://www.facebook.com/checkfacts360 Twitter: https://twitter.com/checkfacts360 Tumblr: https://checkfacts360.tumblr.com/
Просмотров: 216 Check Facts 360
FAQ Friday: Medically Qualifying to Change Plans
 
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If you are wanting to upgrade from a Medicare Advantage Plan to a Medicare Supplement or if you are switching from one Medicare Supplement Plan to another Medicare Supplement Plan, you will have to medically qualify to change. In most states, if you have a Medicare Advantage Plan (HMO or PPO) and you would like to upgrade to a Medicare Supplement Plan, every carrier has a set of health questions that you will have to answer. This is known as underwriting. If you can not pass underwriting, you will not be able to upgrade. The same rule applies if you are switching from one Medicare Supplement Plan to another. For example, if you have a Medicare Supplement Plan F and are wanting to switch to the Medicare Supplement Plan G in order to save money on your coverage, you will be subjected to medical underwriting.
Просмотров: 89 Robert Bache
Medicare Supplemental Insurance Plans In Minnesota - 2019 Medicare Supplement Insurance Plan Basics
 
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2019 Medicare supplement insurance plan basics For Minnesota! Medicare makes it easy for you to shop and save because all the Medicare supplement plans are federally regulated. Such standards help define it as Medicare supplement insurance. A Complete Medicare Resource Center http://www.MedicareonVideo.com Phone: 1-877-88KEITH (53484) There are a few things to keep in mind when finding best Medicare supplement plan 2019 to consider. This video explains what the best Medicare supplement plans are in 2019 and this video explains Medicare supplement insurance plans in the state in Minnesota and big changes to the states Medicare program. Want best Medicare supplemental insurance plan? Do people in Minnesota want to know what the best Medicare supplement plan is? Minnesotans learn about best Medicare supplement plan 2019 and Medicare On Video shows you how to find the right option for you. All Medicare supplement plans Indianapolis must follow federal and state laws. Do you know what the best Medicare supplement plans (Medigap) are in 2019? Medicare On Video is insurance agency specializing in Medicare supplement plans Medicare advantage plans and Medicare part d plans…actually we are a complete Medicare Resource Center. Our office makes it easy for you to get the best price for your Medicare supplement plan. You can shop your Medicare supplement plan in Minnesota all year. Some people want to know if Medicare supplement plan f has been the most popular Medicare supplement plan for years but it is really the best Medicare supplement plan. To make up the other 20% and the other miscellaneous gaps left that Medicare doesn't cover it's necessary to explore Medicare supplemental insurance in Minnesota. This means that the letter of your Minnesota Medicare supplement plan determines your coverage not the carrier. In addition, the differences between the most popular Medicare supplement plan choices today; the Medigap plan g and the Medicare supplement plan n and Medigap plan f. However Medicare supplements plan g is usually $300 to $400 a year less in premiums than a Medigap plan f. Watch My Most Recent Video Here: https://goo.gl/jzN8Rn Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn QUICK AND EASY MEDICARE SUPPLEMENT QUOTES https://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Su... Twitter: https://twitter.com/medsupsavings.com LinkedIn: https://www.linkedin.com/pub/keith-ar... YouTube Channel: https://www.youtube.com/user/BigHealt... Want the best price for your Medicare supplement plan? Medicare Supplemental Insurance Plans In Minnesota © Best Medicare Supplement Plans 2019 By Medicare On Video - All Right Reserved.
Просмотров: 820 Keith Armbrecht
HUMANA PPO Plan Video 2019
 
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Description
Просмотров: 626 GoldenCare USA Agents
Preparing for the Medicare Annual Election Period
 
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Thinking about preparing for the upcoming Medicare annual election period probably makes your stomach hurt. Chances are that you’ve finally just relaxed into summer with family, and perhaps you’ve gotten some travel in. Who wants to think about Medicare plans for 2019? Nonetheless, the Annual Election Period is swiftly approaching. You have an opportunity to change your Medicare Advantage plan or Part D drug plan each fall. Here’s some tips about how to stay organized and not get distracted by the flurry of advertisements headed your way: Talk to your doctor’s office about your current plan If you are enrolled in Original Medicare and a Medigap plan, this conversation should be easy. Simply ask: “Will you still be taking Original Medicare next year?” If he or she says yes, your current coverage will continue to serve you well. But what if you are enrolled in a Medicare Advantage plan that changes benefits, premiums, networks and formularies every year? Find out if your doctors are still in network. Doctors can change networks at any time of year. Consumers never know when that might be coming around for renewal. Also, be on the lookout for the Annual Notice of Change packet for 2019 Medicare annual election period. You will receive an Annual Notice of Change in the mail for your Part D drug plan or Medicare Advantage plan (if you are enrolled in one.) Medicare insurance carriers must send them to you by September 30 each year. This notice well tell you what’s changing with your plan next year. Usually the very top letter in the packet is a summary of the changes listed side by side from this year’s benefits to next year’s benefits. If the changes seem minor to you, chances are you don’t need to do anything at all. However, if something major is changing, then you’ll want to know about it soon enough that you can contact an agent to make changes. The annual election period last from October 15th – December 7th, and any changes made occur on January 1st. This time frame is different than from a few years ago, so don’t forget about that and think you can change all the way up to December 31st because you can’t. Make a list of your medications If your prescriptions have changed since last year, then you will want to re-evaluate whether your current drug plan is still giving you the best bang for your buck. You can enter your list of medications into the Medicare Plan Finder Tool online. How to Switch from Medicare Advantage to Medigap If you are enrolled in a Medicare Advantage plan, and you want to switch from Medicare Advantage to Medigap, you can use the Annual Election Period to return to Original Medicare. You can choose a new Part D drug plan as well. However, for the Medigap plan, you will need to apply and in most cases will need to answer health questions. There is no guarantee that you will be accepted. For this reason, we always help our clients apply for the Medigap plan first with a January 1st effective date. Once we are certain that this new Medigap application is approved, then we help you apply for a Part D drug plan which will automatically disenroll you from your Medicare Advantage plan. If you are not able to qualify for a Medigap plan due to health conditions, you can consider switching to a different Medicare Advantage plan. People with standalone drug plans can also use the Medicare Annual Election Period to change from one Part D plan to another. Get Help with the Medicare Annual Election Period 2019 Keeping up with your annual Medicare decisions is sort of like doing your taxes. If you keep good records the whole year long, you make everything so much easier for yourself to gather together what you need at tax filing time. It’s fair to say that your health is just as important., Start pulling together now what you’ll need. You’ll find that you won’t have to dread the annual election period because you’ll already be prepared. Need help with evaluating your options? Contact a friendly, no-hassle agent here at Boomer Benefits to walk you through your options. Boomer Benefits provides free claims support for life for all of our Medigap and Medicare Advantage policyholders so that you are never alone in dealing with Medicare. Get our Medicare Annual Election Period checklist: http://boomerbenefits.link/AEP-checklist Get our FREE 6-Day Medicare Video Email course with bonus Medicare cost worksheet: http://boomerbenefits.link/mini-course To learn about Preparing for the Annual Election Period, visit this post: https://boomerbenefits.com/how-to-prepare-for-the-medicare-annual-election-period/ Join over 50,000 Fans on Facebook: http://www.facebook.com/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Subscribe for NEW Youtube Videos whenever we publish them: https://boomerbenefits.link/subscribe ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ -~-~~-~~~-~~-~- Please watch: "Do I Need a Medigap Plan? " https://www.youtube.com/watch?v=IviJE3Yi_cw -~-~~-~~~-~~-~-
Просмотров: 1616 Boomer Benefits
13 Difference Between Aetna And United healthcare
 
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1. Aetna: 1.5 million providers worldwide including 664,301 primary care doctors and specialists. United Health Care: 1 million physicians and specialists, 6,000 hospitals and clinics in the United States. 2.  United Healthcare does have the advantage in some states for individual health insurance coverage because the UHC lineup of Health Savings Accounts (HSA’s) are very strong and while Aetna does offer HSA plans they are usually not quite as good as the UHC HSA plans. 3.  Aetna has been very easy, no issues to report. 4. They are both A+ rated companies, so you can't really go wrong with either.  5. Aetna: 15.8 million policyholders United Healthcare Group: 18 million policyholders 6. Medicare Advantage Availability: Aetna: 39 states and DC United Healthcare Group: Nationwide 7. Network Size: UHC does have the slight edge. 8. Aetna: Specific plans vary widely from state to state. United Healthcare: Specific plans still vary slightly from state to state. 9. United Healthcare: Largest number of Advantage enrollments. Aetna: Over 50 years of Medicare experience. 10. Aetna: Wide range of HMO and PPO plans, dependent upon your state United Healthcare: Similar range of HMO and PPO plans 11. Medicare Supplement Availability: Aetna: 44 states United Healthcare: Nationwide 12. Aetna: World-class employer-based health plans used by businesses across the country United Healthcare: Emphasis on individual-based health plans, though they also offer employer-based policies 13.  Hospital workers and administrators much prefer working with Aetna over working with United Healthcare.
Просмотров: 2944 Patel Vidhu
Medicare Part D - 877-88KEITH (53484)
 
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Medicare Part D. Complete Medicare Resource Center here: http://www.medsupsavings.com/ 877-88KEITH (53484) Best Medicare Supplement Plan: https://www.youtube.com/watch?v=WGqCGQNF5mw Medicare Plan F – Just Say NO: https://www.youtube.com/watch?v=0OE29IMXbNU Important Points to Know about Obtaining Medicare Drug Coverage When enrolling for Medicare you can get coverage for prescription drugs. Medicare drug coverage is available through private insurance companies approved by Medicare. There are different ways to obtain the coverage with associated costs that vary depending on other coverage used with this plan. It is important to know how this works with other insurance you have in order to get the best coverage. Here is what you need to know about this option. How Do You Get Coverage You have two options to get drug coverage including through Medicare Part C Advantage Plan or through Part D Prescription Drug Plan. The most common way is through Part D. This plan can be used with original Medicare and other plan option such as a Medical Savings Account (MSA) or Medicare Cost Plans. Part C or Medicare Advantage Plan includes using a PPO or HMO along with benefits similar to Part A and B. You may be required to sign up for Part A and B in order to obtain Part D with Part C. Medicare drug coverage options may vary and could change depending on what Part C covers. Associated Costs and Getting Help Your income will determine how much you pay toward prescription drugs. If you receive Social Security you can have costs deducted from your Social Security payment. You may be required to satisfy an annual deductible before the drug coverage starts to pay. You may be required to pay a copay or coinsurance after paying a deductible (if your plan has this requirement). There are drug plans with different tiers that show how much you could pay depending on related costs. Generic drugs may have cheaper copay than name brand. The copay can be anywhere from a few dollars to $10 or so. The coinsurance is roughly a percentage of what the beneficiary pays before Medicare insurance covers costs. An example may be 20 or 25 percent. When you pay for drugs you are paying for a month supply unless stated otherwise. There is potential for out-of-pocket costs to be paid by the beneficiary if the insurance does not cover the cost, but in few cases this is rare. Additional Tips on Drug Coverage You can get help paying for Medicare drug coverage if you qualify. You may need to provide proof of documentation to show your eligibility for assistance. Such options may allow you to pay just a few dollars for medicine. You can obtain help when you are receiving medication and before your supply runs out for the month. The amount you pay for your plan varies based on drugs used, plan option, where you go to obtain prescriptions, if the drug is on the formulary approved by Medicare, and whether you qualify for assistance in paying for drug costs. You may qualify for assistance by your state if you receive Medicare Part A and/or Part B coverage. Enroll for coverage during the initial period to avoid paying penalites. ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
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Medicare Advantage in 2018 - 5 things you  SHOULD KNOW
 
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Find out what a supplement will cost in your zip code. http://www.seniorsonmedicare.com/medicare-supplement-quote.html About 1/3 of new Medicare enrollees will enroll in advantage plans, not knowing what they are really getting into. Many times Medicare advantage plans are sold with zero premium, so it is very tempting to get health insurance free. Your going on Medicare and you have to decide between a Medicare Supplement or a Medicare Advantage Plan. Is one better than the other. In my 27 years of experience I would say yes and I will show you. ****************************************************************** Get a quote from 30 companies http://www.seniorsonmedicare.com/best-medicare-supplement-967517-527678.html MY YOUTUBE CHANNEL PAGE https://www.youtube.com/channel/UC8CqLkEv_N6WrQEjnXuEvgg?view_as=public MY WEB SITE http://www.seniorsonmedicare.com RECEIVE NEWS UPDATES http://www.seniorsonmedicare.com/whats-new.html ***************************************************************** About 1/3 of seniors are enrolled in Medicare Advantage Plans. Many get these plans because when they turn 65 and go on Medicare they are in good health. Thinking that since they have such good health why not go with a free plan, than have to pay a premium. It is not until they have serious medical problems that they start to think that the free plan is not as cheap as they were led to believe. A recent study has found that seniors after experiencing serious health problems try and return to original Medicare and a supplemental. This article is about people leaving advantage plans and why it was done by the GAO reported in NPR. http://www.npr.org/sections/health-shots/2017/07/05/535381473/as-seniors-get-sicker-theyre-more-likely-to-drop-medicare-advantage-plans Get a quote from 30 companies http://www.seniorsonmedicare.com/best-medicare-supplement-967517-527678.html Medicare Advantage Plans sound good at first but many people do not realize the limitations the plans have. I will talk about 5 areas that will affect you. 1 How do they work? 2 What is a Medicare Advantage? 3 What are the pros and cons. 4 Why this is a very important decision. 5 How do you buy a Medicare Advantage plan? My name is Jim Grude and I have 27 years experience working with seniors on their Medicare insurance. Call me at 800-275-1844 for a quote or help. My web site is http://www.seniorsonmedicare.com medicare 101
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Humana Medicare Advantage Choice PPO 2018
 
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Ask me about the New Humana Medicare Advantage Choice PPO Plan for 2018. The monthly premium is only $26.90 Call me direct at: (248)601-2696.
Просмотров: 1097 Michael Packer
Medicare HMO-POS - What Are The Benefits?
 
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This video explores Medicare HMO-POS plans; what they are, how they work and the benefits of enrolling in one. To learn more about your Medicare plan options get my 8 Part Video Mini-Course. It's absolutely free! Instant Access http://free-mini-course.com A Medicare HMO-POS plan is very similar to a Medicare HMO. It is a Medicare Advantage Plan, where POS stands for Point of Service. With a Medicare HMO-POS plan you will need to choose a primary care provider, seek referrals from that provider and generally stay within the Plan's network. Like a Medicare HMO, you can seek services out-of-network in the case of an emergency, but you can also receive some services at certain locations out-of-network. Having the freedom to use Point of Service locations gives you more flexibility in how you use your plan. The type of network is only one consideration when choosing a Medicare Advantage Plan. Review the Summary of Benefits, Part D Formulary and all aspects of the plan to determine suitability. Watch: Medicare Advantage -- 5 Things to Know Before You Enroll in an Advantage Plan http://www.youtube.com/watch?v=x_o4h5ECCos
Просмотров: 855 David Forbes
AmeriHealth 65 HMO Dropped for 2017 - New Jersey Medicare
 
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Unsure if you are losing coverage? - AmeriHealth & Aetna are dropping plans for many seniors in New Jersey. Learn more: https://goo.gl/uauX1X Amerihealth HMO, INC has announced it will not renew its Medicare contract for 2017. All Medicare beneficiaries currently enrolled in the Amerihealth 65 Preferred and Amerihealth 65 Medical Only plans will receive, or may have already received, letters explaining their rights and eligibility for new plans. For all Medicare beneficiaries currently enrolled in one of these plans you must take action to ensure you have coverage for January 1st, 2017. If you take no action you will be placed back on Original Medicare. You may join a plan between October 15th, 2016 and February 29th, 2017. If you do not choose a plan with prescription drug coverage by February 29th you will not have prescription drug coverage in 2017. If you choose a plan between October 15th and December 31st coverage will begin on January 1st of 2017. If you choose a plan after January 1st it will begin February 1st, 2017. Choosing a plan after February 1st will result in coverage beginning March 1st, 2017. Aetna Medicare Value plan will also be dropped as of January 1st, 2017. BGA Insurance Group on Social Media: Facebook - https://goo.gl/MrxAvt Twitter - https://goo.gl/hZ32mx LinkedIn - http://goo.gl/2whJOn Crunchbase - https://goo.gl/M1PuoV Blogger - https://goo.gl/bpIFvT Wordpress - https://goo.gl/Srs1oW Tumblr - https://goo.gl/BGuSGj Gravatar - https://goo.gl/QJX59W BGA Insurance Group 51 Haddonfield Road, Suite 130 Cherry Hill, NJ 08002 (855) 494-0097
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Medicare Advantage - 5 Things To Know About Advantage Plans Before You Enroll
 
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Call (888) 310-0376 to Compare All Medicare Advantage Plans in Your State. Get Instant Access http://free-mini-course.com I explain 5 things you should know about Medicare Advantage before you enroll. It doesn't make sense to even compare Medicare Advantage plans until you know how it works, who is eligible and when you can enroll in a plan. As a senior health insurance option, Advantage plans seem to be shrouded in confusion. One reason is because unlike Medicare supplemental insurance, plans are not standardized which makes shopping for a plan more difficult. If you would like to get the facts about Medicare Advantage vs Medicare supplement insurance, check out my Free 8 Part Video Mini-Course on Medicare Plans. Get Instant Access Absolutely Free! http://free-mini-course.com The first thing you need to know is that an Advantage plan is not a Medicare supplement. So what is Medicare Advantage? The Medicare and You Handbook states that it is a Medicare health plan like a PPO or HMO and is sometimes referred to as Part C. Plans are offered by Private insurance companies and you are still enrolled in Medicare. You will receive all Part A and Part B benefits from the Medicare Advantage Plan and drug coverage is often included. The second thing you should know is how plans work. And that begins with knowing whether or not you are eligible to enroll in a plan. To be eligible, you must: Have Medicare Parts A and B Live in the plan's service area Not have end-stage renal disease All Advantage plans have premiums if it is $0 per month. Plans shouldn't be referred to as a free Medicare Advantage plan. Premiums are normally lower than premiums for Medicare supplements. There are 6 types of Advantage plans and you will normally be subject to a provider network. It is paramount to be certain your providers are included. Check for your preferred specialists, ancillary facilities and hospitals in addition to your primary provider. If you are enrolling in a plan with drug coverage, be sure all your drugs are included in the plan's formulary. Many people search for Medicare health plans that include extra benefits and are often disappointed when they find Medicare supplements to be lacking. Medicare Advantage plans often include extra benefits not found in original Medicare. They may include: Dental Vision Hearing Silver Sneakers Gym membership Transportation to and from medical appointments Third. You need to be aware of when you can pursue Medicare Advantage enrollment. There are 3 types of enrollment periods. When you first become eligible you have a 7 month window to submit an application. Next, during the Medicare Advantage Annual Election period you can switch, drop or enroll in a plan. And you may have a Special Enrollment Period available if your circumstances have changed. The fourth thing you need to understand is Medicare Advantage plans are not standardized. Plans are offered County by County and premiums, provider networks, benefits and cost sharing amounts vary widely between plans. When you compare Advantage plans there are 3 plan documents that are very important to research and understand. The Summary of Benefits goes into much greater detail than the enrollment brochure. It lists all plan benefits and what each will require in deductibles, copayments, or coinsurance. The Provider Directory should be you companion until you locate all your providers or find some you are willing to live with. The Part D drug formulary should include all your required medications. Enrolling in a Medicare Advantage plan that does not include all your drugs can wipe out any savings you may have had over choosing another type of Medicare health plan. The fifth thing you need to be aware of is how any cuts to Medicare Advantage will affect you. Understand that a lot of what you hear is politically motivated talking points designed to instigate fear. Although given the current political climate future funding for the Medicare Advantage program is tentative at best. If you feel as though enrolling in an Advantage plan is your best option, you should do it. If there are Medicare Advantage cuts in the future and you lose your plan you may qualify for Guaranteed Issue Rights to buy a supplement, even if you have preexisting conditions. Also, keep in mind that everyone wants to enroll in the best Medicare Advantage plan. And that will be the one that aligns with your specific set of circumstances.
Просмотров: 63780 David Forbes
The A, B, C’s of Medicare Advantage Plans (Part C)
 
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The A, B & C’s of Medicare Advantage Plans (Part C) explained by Tim Hanbury and Jason Mackey, authors of Medicare Blueprint. The first thing to know is that when you choose a Medicare Advantage plan, you are replacing or Transferring Original Medicare Parts A & B to a private insurance company. Because of that, all the benefit and claims payments are handled by the insurance company, not the Centers for Medicare and Medicaid Services. Under Original Medicare, all benefits and claims payment are made by CMS, not the insurance company. Under a Medicare Advantage plan, this is reversed. What Medicare does is it pays the private insurance company what they would normally spend, on average, for a person who is on Medicare. Insurance companies are required by CMS to cover the same items as Original Medicare. They may also cover additional items that are not normally covered by Medicare, like dental or vision services. Advantage plans, like most employer plans, are network-based plans. You are still required to pay your Part B premium under ALL Medicare Advantage plans. In addition, you must live in the “service area” that the plan is offered in. Most advantage plans offer prescription drug coverage as part of the Medicare Advantage plan. Keep in mind that the prescription coverage under a Medicare Advantage plan has the same structure as a separate Part D prescription plan. The way they cover prescriptions is no different under a Medicare Advantage plan than if you purchased a separate Part D prescription plan to go with a Medigap plan. Medicare Advantage plans usually have low premiums, less than $50 per month and there may be several “Zero” premium plans available. These plans have a single price which is not based on your age nor can they exclude pre-existing conditions. However, you must renew these plans each year as they will change. Prices for the plan and for services can change, doctors will go in and out of the network and prescription they cover can change yearly. Medicare doesn’t allow you to have both a Medigap and a Medicare Advantage plan at the same time. There are two main types of Medicare Advantage plans, HMOs and PPO’s. With an HMO plan, you must make sure the physician’s you want to see are participating with the plan. If they are not and you didn’t get permission from the health plan to see them, then the Advantage plan will not pay the claim. You will be responsible for the costs. Also, most HMO plans will require a referral from your primary care or family physician to see a specialist. A PPO or preferred provider organization allows you to see physician and hospitals who participate with the plan, but you can also see non-participating physician and hospitals, however there can be some additional costs to do so. In addition, most PPOs won’t require you to get a referral to see a specialist. Be aware that in many plans, expensive services such as MRIs and Chemotherapy drugs require you to pay a percent of the cost up to the maximum out-of-pocket amount. With many plans, you would pay 20% of the cost up to the maximum of $6,700. Plans can have lower maximums so be sure to look at this when evaluating different plans. You can join a Medicare Advantage plan when you are turning 65 or during a Special Enrollment Period. You can switch to any other Advantage plan each year during the Annual Enrollment Period or AEP which is from Oct 15 until Dec 7th each year. This year, CMS has changed what they called the “Medicare Advantage Disenrollment Period” to what they now call a “Medicare Advantage Open Enrollment Period”. They have extended that from January 1 to March 31st. If you switch back to Original Medicare, you can also join a Stand-alone Part D prescription plan. What’s new here is that this change also allows you to have a one-time only chance to switch from one Medicare Advantage plan to another during this 3-month period. You need to look and make sure the physicians and hospital you want to see are participating with the plan you are reviewing. If it’s an HMO plan, make sure your doctors are participating otherwise you may be paying for these visits yourself. If it’s a PPO, you should still check to see who is participating with the plan so that you know what your costs will be. The other item is to check the list of covered prescriptions or what is called a “Formulary”. Make sure your current prescriptions are covered and what the costs will be. Failure to check this can cost your thousands of dollars or you may simply not be able to afford the medication. Free Offer Complimentary Copy of Medicare Blueprint https://medicareblueprint.com/get-your-book/ Helpful Resources Medicare & You Guide https://goo.gl/qE5t1A Medicare Blueprint Advisors MedicareBlueprint.com Facebook: https://www.facebook.com/MedicareBlueprint/ YouTube Channel: https://goo.gl/qcHBJH
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2019 Medicare Premiums and Deductibles Just Released
 
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2019 Medicare Premiums & Deductibles Just Released Randy Wolfe - 888-767-6185 https://quotemymedicare.org/ Medicare Part B Premium $135.50 for 2019 Medicare Part B Deductible $185 for 2019
Просмотров: 470 QuoteMyMedicare.org
Original Medicare vs. Medicare Advantage Plans
 
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Understand the basics of Medicare and the differences between Original Medicare and a Medicare Advantage plan from HAP.
Просмотров: 265 HAP Michigan
Plan N Medicare Supplement - Is it really a good value?
 
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http://www.abtinsuranceagency.com | (888) 465-9728 Medicare Supplement Plan N is growing in popularity – but does it offer the best value? Plan N is one of the three most popular Medicare Supplement Plans, along with Plan F and Plan G, but it can often cost up to 30% less than Plan F, or 20% less than Plan G. It’s a very popular Plan for people that looking for an alternative to a Medicare Advantage Plan – and unlike a Medicare Advantage Plan, Plan N because it is a Medicare Supplement Plan has NO networks, it is not an HMO or a PPO. Plan F has historically been the most popular Plan because it is the Plan that offers the most coverage – with Plan F, 100% of the gaps in original Medicare are covered, so you pay zero out of pocket at the doctor and hospital. However, you usually pay a lot more in premium for it. Plan F is priced higher, and based on what we’ve seen Plan F experiences higher percentage rate increases than Plan G or Plan N. Plan G is almost identical to Plan F, but there is no coverage for the Part B deductible, which is $183 annually in 2018. With Plan G, after you meet the Part B deductible of $183 all of your Original Medicare costs are covered at 100%, so no copays, no coinsurance at the doctor or hospital after the deductible is satisfied. Plan N offers a good bang for your buck, and in many states you can get a Plan N for under $100/month. Now the reason it is priced lower than Plan F or Plan G is because you will be responsible for a little bit more of your Medical costs. Just like Plan G, there is no coverage for the Part B deductible, so with Plan N you can have annual deductible of $183/year. After the deductible is met, you may be responsible for Co-pays at your provider and at the emergency room. Copays will be anywhere from 0-$20 at the provider, and up to $50 at the emergency room. Additionally, Plan N does not cover the Medicare Part B excess charges. You may come across excess charges if you visit a provider who accepts Medicare but does not accept Medicare assignment. So, it is possible to see a doctor who accepts Medicare patients, but does not accept Medicare Assignment, or Medicare as “payment in full”. In this case, a doctor may charge you up to 15% above the Medicare Approved amount. These are excess charges – Plans F and G cover them at 100% but Plan N does not. Now excess charges are not extremely common, and in some states they are actually illegal: Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont. You can always feel free to call (888) 465-9728 anytime for a completely free no obligation quote. We are licensed in 40 states nationwide. Follow us on Facebook: https://www.facebook.com/abtinsuranceagency/ Like us on Yelp: https://www.yelp.com/biz/abt-insurance-agency-austin ______________________________________________________________ Related Keywords: Medicare Supplement Quotes for Turning 65 Turning 65 Medicare Plans Best Medicare Plan for Turning 65 65 year old best medicare plan Medigap plans for 65 year olds Best Medicare Supplement for seniors medicare supplement plans medicare supplement cost medicare supplement comparison medicare supplement coverage best medicare supplement medicare supplement insurance plans aarp medicare supplement medicare supplement best medicare supplements compare medicare supplements medicare supplement plan G mutual of omaha medicare supplement best medicare supplements plan n aarp medicare supplement plan medicare supplement insurance medicare supplement health insurance quotes medicare supplement insurance cost medicare supplement rates Best Medicare Supplement Best Medigap Plan Best Medicare Supplement Plan best medicare supplemental insurance planwhat is the best medicare supplement plan best medicare supplement plans review best medicare supplement plan kentucky what is best medicare supplement plan best supplemental insurance plan for medicare what medicare supplement plan is the best what is the best medicare supplemental plan best rated medicare supplemental plans best medicare supplement insurance plans Texas Medicare Supplements North Carolina Medicare Supplements Medicare Supplements Georgia Best Medicare Supplement plan ohio Best Medicare Supplement plan north carolina Best Medicare Supplement Plan North Carolina Best Medicare Supplement Plan Illinois Best Medicare Supplement West Virginia Best Medicare supplement plan 2018 best medicare supplement plan best medicare supplement Texas
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Medicare Advantage - Overview - 877-88KEITH (53484)
 
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What is Medicare Advantage? Complete Medicare Resource Center here: http://www.medsupsavings.com/ 877-88KEITH (53484) Medicare Advantage Plans and Important Points You Must Know Medicare advantage plans help consumers pay for related services through private plan options chosen by the consumer. Also known as Part C there is some confusion about how it is used and classified. Advantage plans are available through private companies approved by Medicare. They are network plans featuring PPO and HMO service options. There are different plans that offer different levels of coverage and they can include a wide range of services. This is a popular option since people can choose their doctor and hospital, as long as they are in network with your plan. Here is a list of points to help you understand Medicare advantage plans in further detail. • This plan is available to those who enroll in Medicare. It is used with Part A and Part B. When you use these plans you have the same protection and rights as a Medicare recipient. • Enrollment for this coverage is done on an annual basis. There are specific times during the year to sign up for coverage. This could occur prior to turning 65 years old, if you enroll at the beginning of the year for Part A or B, or if you have a disability while being under age 65. If you have a preexisting condition you may still qualify for coverage. • You can learn services covered with the plan before getting the service. This helps you save of costs and you have an idea of what you may be responsible for when the service is completed. • Check your plan before seeing a specialist to ensure their services are part of network coverage. You will be responsible for paying related costs not covered by your plan. You plan may have rules in place you should follow regarding referrals. • If you use an HMO (health maintenance organization) or PPO (preferred provider organization) your costs may be higher if related services are not covered in your plan. This includes services through health care provider or doctor. You could pay more for services if they are not in network. • Even though you can choose a provider part of your plan’s network, they can choose to leave the network anytime. The plan can also make changes to providers offering care in your network. This means you will need to consider another provider when they decide to leave. • Costs related to clinical research studies may be covered. You will need to review plan details carefully or contact your plan for additional details on what, if anything, is covered. • Certain costs related to Medicare Advantage Plans should not exceed costs found in Part A and Part B coverage. This may include skilled nursing services and dialysis for example. • The Advantage plan will pay for all medical costs after you satisfy out-of-pocket costs for the year. The amount of out-of-pocket costs varies by plan and what you pay is based on your needs and income. • You have the option to select another Medicare plan if the plan you select through the Advantage plans changes or is no longer part of Medicare. ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Просмотров: 8670 Keith Armbrecht
Medicare Advantage Plan HMO (Health Maintenance Organization)
 
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Robert Bache explains how a Medicare Advantage Plan HMO (Health Maintenance Organization) works Robert Bache AKA MedicareBob www.MedicareBob.com 1-855-368-4717 Email me with all of your Medicare Questions: Bob@MedicareBob.com
Просмотров: 171 Robert Bache
Medicare Advantage Enrollment Time 2018- Two plans you must know.
 
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It is time for Medicare Annual Enrollment for 2018 Plans. Many people go with a Medicare Advantage Plan. Before you choose what Medicare Advantage is right for you, watch this video to give you important Medicare Advantage Facts.Please visit our site at http://nationalseniorsavings.com or call 800-708-5810 for additional information. Ask for Mark Garrett your Medicare Specialist.
Просмотров: 3343 Mark Garrett
3 Things to Know About Medicare Advantage
 
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When it comes to Medicare Advantage, I think there are three very important things to be aware of before enrolling in a plan. 1. They Are Mostly HMO's - The All-In-One Medicare Advantage plans are mostly HMO plans where you need to choose a primary care doctor and will need referrals to go see specialists. Here in Orange County and LA County, probably 95% of Medicare Advantage Plans are HMO's. Some people aren't aware of this before enrolling. 2. You May be Asked Medical Questions to Get a Supplement - When you are first turning 65 or coming off group insurance and enrolling into Part B, you can choose any type of Medicare plan that you want with no medical questions asked. After you choose Medicare Advantage, you may then be asked medical questions if you want to leave your plan and get a Supplement which would allow you more freedom of choice. We hate to see people get stuck on Medicare Advantage when they need the most medical attention. 3. Many Plans Are Free But Not Completely Free - Many plans have $0 additional premium to pay to be enrolled but what many are not aware of is that these Medicare Advantage plans are subsidized by the government. Centers for Medicare Services sends close to $1000/month to the Medicare Advantage companies for every person that is enrolled in that type of plan. If funding for these Medicare Advantage plans ever change, that cost could be passed along to the member. Many plans are free now but may not always be free. Those are the three things I think people should know about Medicare Advantage before enrolling in a plan. Let me know what you think! - Martin & Associates is one of California's largest and oldest Independent Medicare Brokers. They specialize in Medicare Supplement/Medigap plans, Medicare Advantage and Part D prescription drug plans. Find Martin & Associates Here: Website: http://martinassociatesmedicare.com/ Facebook: https://www.facebook.com/WeRetireSmart Twitter: https://twitter.com/WeRetireSmart Martin & Associates Insurance 5020 Campus Drive Newport Beach, CA 92660 Office: 949-854-4941 Fax: 949-266-9508 CA #0I80727
Medicare and You 2018
 
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Medicare and You 2018 Complete Medicare Resource Center here: http://www.MedicareonVideo.com 1-877-88KEITH (53484) Best Medicare Supplement Plan 2018 https://www.youtube.com/watch?v=4xUu2mM0aM4 Senior Dental Options https://www.youtube.com/watch?v=cMLj0djm1Fw&t=8s How to Sign Up for Medicare https://www.youtube.com/watch?v=KUfzzUWOxQ8&t=2s Medicare Open Enrollment https://www.youtube.com/watch?v=Th1-yJYiSvs&t=4s Medicare and You 2018 Adequate medical coverage for the new year requires an investigation into the types of cover available, and which is most suited to your current healthcare needs. Medicare and you 2018 introduces simple assessment of current healthcare packages and comparison tools to help you make the most out of your coverage. Ensure the information you receive to make a health insurance decision is personalized. This includes eligibility for new Medicare subscribers and investing in the right amount of cover. Things you will find in Medicare and You 2018 Medicare has introduced a new card system released between April 2018 and 2019 to heighten security by removing social security numbers. The initiative makes it easier to use your medical cover while protecting personal information. The 2 major plans for Medicare cover include: Option 1 – Standard Medicare and Option 2 - Medicare Advantage (Part C) The original Medicare or Part A and B provides hospital cover and general medical insurance. You are eligible to add prescription coverage for essential medicines (Part D) or Medigap protection assisting with cash payments. Medicare Advantage will incorporate plans A, B, and D and entails coverage such as HMOs or PPOs. You automatically receive the benefits provided in Part A (hospital cover), Part B (medical insurance), and Part D (protection for prescription drugs). The Part D program will include most types of prescriptions, but additional insurance may be sought, by joining an independent Part D plan. Choice of Medical Coverage Standard/Basic Medicare: Part A and B cover will not provide set funds for out of pocket expenses annually. To ensure you are protected, supplemental insurance must be purchased. The Medicare cover delivers hospital insurance. This involves clinical stay and supplies, and doctor consultations in stipulated medical settings. Part A and Part B provide detailed coverage. To avoid the expense of out of pocket costs, supplement the Original Medicare by purchasing additional cover. A Medigap policy is the best choice. This policy will not cover prescription drugs. You will have to purchase additional prescription drug cover under Part D, to receive adequate insurance for prescribed medication. Only Medicare approved doctors can be sought under the Medicare Original Plan. Medicare Advantage: All covered recipients receive an annual limit on cash expenditure. Out of pocket expenses are limited, but once this limit is reached, the services covered in your policy are free of charge. It covers the Parts A, B and D and all services offered through an Original Medicare Plan. Advantage will include dental, auditory and vision cover. This program eliminates the need for a Medigap plan. The Advantage policy is considered more economical if you require supplementary insurance. Most of these plans will provide coverage for prescription pills. When selecting hospital care and doctors, ensure they are Medicare approved. Learn of coverage outside of your network to see practitioners and clinics of your choosing. Medicare Cover The Medicare insurance plans are only available for U.S. citizens. To determine the type of plan you need and the quality of cover provided, speak to a Medicare representative. Remain aware of important enrolment dates. Changes to a Medical insurance and prescription plan can be made from the 15 October to December 7. Your new policy will take effect from January 2018. Please download a copy of Medicare and You 2018 to save on your computer. Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn Watch My Most Recent Video Here: https://goo.gl/jzN8Rn ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Просмотров: 7173 Keith Armbrecht
Medicare Plans Explained - Medicare Supplement vs Advantage
 
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How does Medicare work? Which is better? Medicare supplement or Medicare Advantage? Can I switch from Advantage to a supplement plan during open enrollment? Independent Medicare insurance agent Bob Vineyard weighs in with this video. https://www.youtube.com/c/GeorgiaMedicarePlans Turning 65? Can't decide if original Medicare and a Medigap plan are best for you, or should you enroll in an Advantage plan? Medicare says the best time to enroll in a supplement plan is when you are first eligible. If you buy a plan during your initial enrollment period you cannot be turned down, even if you have pre-existing medical conditions. After your IEP has passed a Medigap carrier will review your medical history and either accept or reject your application. Medigap and Advantage plans have similarities and differences. Both are senior health insurance plans. Anything that would be covered by original Medicare is also a covered expense with an MA plan. However, your out of pocket costs may be significantly higher with Advantage compared with original Medicare and a supplement plan. Medicare Advantage plans, also known as Medicare Part C, are managed care plans offered by insurance carriers. CMS oversees this program and approves the plans before they can be sold in Georgia. The plans are also rated by Medicare based on a number of factors, including policyholder input. These managed care plans offered in Georgia are either a PPO or HMO. Both have provider networks and rules that must be followed if you want to minimize your out of pocket costs. With a PPO plan if you use a non-par provider you may not only have higher copay's and deductibles, but your OOP costs may be higher. Use a non-par provider when you have an HMO plan and your claim may not be paid at all unless you received emergency care. Original Medicare does not have networks. You can use any doctor, lab or hospital in the U.S. as long as they participate in Medicare. A recent study found that 96% of primary care providers participate in Medicare. You are free to go almost anywhere in the country without worry. Some well know cancer treatment centers do not accept Medicare Advantage plans but all participate in Medicare. Not all cancer can be treated with chemotherapy, but 80% of cancer patients will have chemo. Your chemotherapy drugs will be treated in the doctors office or a clinic. Chemotherapy falls under Part B if you have original Medicare and a Medigap plan. Cancer treatment is covered by Advantage plans but your out of pocket cost could run in the thousands of dollars. If you are trying to decide which Medicare supplement plan to buy, plan G delivers more value than plan G. Probably 90% of my clients have the G plan. Chemotherapy drugs administered in a doctor's office or clinic normally fall under Part B. Medication from a retail pharmacy or by mail fall under your PDP. This is why most of us chose a Medicare supplement plan in 2018. Bob Vineyard, independent Medicare insurance broker in Georgia, can explain your Georgia Medicare insurance options and will allow you to decide. We represent several carriers including Aetna, Anthem Blue Cross, Humana and more. According to the Mayo clinic, "new cancer treatments are routinely priced at over $100,000 per year of treatment." I enrolled in Medicare in September, 2015. Cancer is a word I know too well. My mothers twin sister and older sister died of cancer. My wife’s father and mother died because of cancer. All 5 of my father-in-laws siblings died of cancer. Two of my mother-in-laws siblings died of cancer. I have seen what cancer can do to the human body and the misery that accompanies this dread illness. If you are diagnosed with cancer, the last thing on your mind should not be “How will I pay for my treatment?” I know how quickly things can change. When my health changes I want to control the direction of my care. Insurance carriers are not going to give me a list of doctors and tell me this year I can only use these, and next year the list may change. I am enrolled in original Medicare plus Medigap plan N. You have questions, we have answers. Call or email. Compare rates for Medicare supplement plans 2018. http://gamedigapquotes.com/ Additional reading https://www.georgia-medicareplans.com/ufaqs/why-are-medicare-advantage-plans-attractive/ https://www.medicarerights.org/fliers/Medicare-Advantage/Differences-Between-OM-and-MA.pdf?nrd=1 https://health.usnews.com/health-care/health-insurance/articles/medicare-vs-medicare-advantage-how-to-choose #GeorgiaMedicarePlans #GAMedigapQuotes #Turning65 Medicare supplement vs Advantage. Make the right choice
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Get to Know the UnitedHealthcare Medicare Advantage PPO Plan
 
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To help our retired members gain a better understanding of the new Medicare Advantage PPO plan, CalPERS and UnitedHealthcare staff help explain the new features and benefits. Learn about the costs and out-of-pocket maximums, coverage areas, and dependents. The Medicare Advantage PPO plan will be available beginning January 1, 2016. ©2015 CalPERS
Просмотров: 21878 CalPERS
2019 Medicare Advantage Eplained
 
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Medicare Advantage Plans are sometimes called Part C or Medicare Health Plans.  These plans combines Medicare Parts A & B coverage benefits. The plans are administered by private health companies. Plan structures may include HMOs, PPOs, Special Needs Plans, and Private Fee-for-Service. Most health plans offer prescription drug coverage, but it's not mandatory. To learn more click on the link below https://www.openenrollmentplan.com/medicareadvantage
Просмотров: 124 Saintilien Insurance Group
Moving with Medicare  (What you need to know)
 
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Are you planning on moving to another state and want to know how it will impact your Medicare? We have answers for you in this video from an independent Medicare insurance broker. See our other videos: https://medigapseminars.org/on-demand-webinar/ AND https://medigapseminars.org/new-to-medicare/ Contact Us: 800-847-9680 or https://medigapseminars.org/contact-us/ Request a Quote: https://medigapseminars.org/medigap-plans/m-quote-request/ So you have Medicare and you are planning to move to a new location or even a new state. How is your move going to impact your Medicare coverage, and what do you need to do to make sure your coverage is seamless? What you need to do depends on what type of Medicare plan you have. If you have a Medicare supplement like a Plan F or G or N or any of the ten different Medigap plans, you do NEED to do anything more than provide the insurance company with your change of address. Your Medigap plan is good with any doctor or hospital that accepts Medicare from coast-to-coast so there is no requirement to change plans and moving does not create a special enrollment period for Medicare supplements. However, it is in your best interest to at least re-shop the plan when you move. Every state has a different prices for their supplement plans. If you are moving to a state with generally lower premiums this may be an opportunity to save money. If you are moving to a state with generally higher premiums you may still want to shop because your insurance company will have the right to increase your premium to be consistent with their premiums for your age group in the new state. But, just because your insurance company may have been the best value for you at your current residence does not mean it will be the best value for you when you move. So, with a Medicare supplement plan there is no requirement to do anything when you move to another state, but it is in your best interest to re-shop your plan and it cost nothing to shop. If you have a Medicare Part D prescription drug plan or a Medicare Advantage plan (which are usually HMOs or PPOs) you will be required to take action before you move to another state. Unlike the Medicare supplement, your Part D prescription drug plan or your Medicare Advantage plan are only local coverage. They are designed and priced just for your county or surrounding area. If you move outside of their local service are you create a Special Enrollment Period. Here is what you do, about 30-days prior to moving you contact your Medicare Part D insurance company or your Medicare Advantage insurance company and you inform them when you are moving and where you are moving to. If you are moving out of the local area they service, they will send you what we call a Disenrollment Letter. The Disenrollment Letter is your Golden Ticket to have a Special Enrollment period. With the Medicare Part D plan, you can re-shop your coverage to find which plan is best for you at your new zip code. You want to get into this new Part D plan within 63-days of when your existing coverage ends. Your window to change plans is between 60-calendar days before the end of your current insurance coverage and 63-days after your current insurance coverage is terminated to take action. So plan ahead. If you have a Medicare Advantage everything is identical to what I just talked about with your Medicare Part D, with one twist. You want to make the change in your coverage seamless, but there can be up to a 63-day gap between when your current coverage ends and when your new Medicare Advantage plan begins. Keep in mind that Medicare Advantage plans vary greatly from state to state. Do not assume that the Medicare Advantage plan you have will be the same in another state. It won’t. You need to look carefully at your options and make an informed decision. But here is the twist; this Special Election Period also gives you the opportunity to change from a Medicare Advantage plan to a Medicare Supplement. You can only get certain Medicare supplement plans, but you can do so without medical questions and on a guarantee issue basis. Before January 01, 2020 you will be able to select from Medicare supplement plans A, B, C, F, F-HD or K. After January 01 2020 Plan F and C may not be available for guarantee issue. Nothing is set in stone at this time, but Plans F & C may be replaced by Plan G and a new Plan G-HD. If you are watching this video in 2020 or after, check with us for which plans are available to you. So that’s it. If you are moving and have Medicare, re-shop your Medicare supplement and use a Special Enrollment period to purchase a new Medicare Part D plan, a Medicare Advantage or convert your coverage from a Medicare Advantage plan to a guarantee issue Medicare Supplement. Do not assume that your best plan or best value one state is the same in another. Your Medicare supplement BENEFITS are the same everywhere, but prices change significantly.
Просмотров: 1197 MedigapSeminars.org
2018/2019 Medicare Enrollment- Change Medicare Supplement, Medicare Advantage, Medicare Part D Plan
 
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2018/2019 Medicare Enrollment- Change Medicare Supplement, Medicare Advantage or Medicare Part D Plan. What is the 2018/2019 Medicare Enrollment Period and why is it important to you? This video outlines what you can do and the changes you can make during the 2018 Medicare annual enrollment period, regardless of the type of Medicare coverage you have. The Annual Enrollment (Election) Period (AEP) takes place October 15 to December 7 and is available to all Medicare beneficiaries, especially those that have a Medicare Advantage "Part C" plan and/or a Medicare drug plan "Part D". If you have a Medicare Supplement insurance plan "Medigap" and want to change your plan for any reason, you can do that at any time during the year. During the Annual Election Period: Beneficiaries may add or drop MA (Medicare Advantage) and/or drug coverage, or return to Original Medicare. No action is needed if the beneficiary chooses to keep his/her current plan. She/he should check for any benefit changes under the plan. Beneficiaries may make more than one enrollment choice during the Annual Election Period, but the last one made prior to the end of the Annual Election Period, as determined by the date the plan or marketing representative receives the completed enrollment form, will be the election that takes effect. My name is Chad Cason and I just want you to know that at my agency we truly do care about people as well as helping them to make the right decision. :) For free help with your Supplement coverage please contact me at: Direct Line: (888) 901-4870 Email: chad@lifelonginsurance.com Website: www.lifelonginsurance.com You might also enjoy, “Medicare + Medicare Supplement Plan = 100% Coverage" https://www.youtube.com/edit?video_id=9C3kRL7Vc5c Social Media YouTube Channel https://www.youtube.com/channel/UCRYcmG-O1-7OczcYLzgR94Q/featured Facebook Page https://www.facebook.com/lifelonginsurance/ Twitter https://twitter.com/LifelongIns Google Plus https://plus.google.com/u/0/b/100764442586203325713/+LifelonginsuranceHeretohelp Please Subscribe To Our Channel
Просмотров: 531 Lifelong Insurance
Medicare Open Enrollment 2019
 
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October is here and that also means that the Medicare Open Enrollment is about to begin. Starting October 15th until December 7th you will be able to make changes to some of your Medicare plans. The plans you will be able to switch during this time will be: Part D Prescription Plans - If the prescriptions you are taking have changed or if you’ve been notified by your current Part D carrier that any prescriptions you are taking will be moved tiers for next year, you may want to consider contacting us to get help searching for a new plan for next year. If you would like us to shop your Part D, please respond to this email or email me at Elliott@WeRetireSmart.com and I’ll send you our 2019 Drug Analysis form. Part C Medicare Advantage - If you are interested in switching your Medicare Advantage plan (mostly HMO’s) or joining a Medicare Advantage plan, open enrollment is the time to do it. Give us a call so we can make sure the plan you choose will coordinate with your doctors, specialists and prescriptions. Many of our clients have Medicare Supplement (aka Medigap) plans. In California, the best time to switch these plans will be during your birthday month. Starting on your birthday and for the following 30 days we can help you switch between carriers and plans. Mark your calendars for your birthday and set reminder to call or email us if you are interested in seeing what other plans are available. If you have any questions about Open Enrollment give us a call at 949-854-4941 or email me at Elliott@WeRetireSmart.com. Also, if you have any friends or family that need help with their Medicare choices, send them our way. Remember, there is no cost for our services! - Located in Newport Beach, CA, Martin & Associates is one of California's largest and oldest Independent Medicare Brokers. They specialize in Medicare Supplement/Medigap plans, Medicare Advantage and Part D prescription drug plans. Find Martin & Associates Here: Website: http://martinassociatesmedicare.com/ Facebook: https://www.facebook.com/WeRetireSmart Twitter: https://twitter.com/WeRetireSmart Instagram: https://www.instagram.com/weretiresmart/ Martin & Associates Insurance 5020 Campus Drive Newport Beach, CA 92660 Office: 949-854-4941 Fax: 949-266-9508 Elliott Martin - Medicare Insurance Agent: CA #0I80727
MEDICARE PART C - The Advantage Plan  & How Does It Work?
 
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http://www.FirstMedicareAdvisors.com - - Office: 1-800-825-2919 - - Email: info@firstmedicareadvisors.com - - Recorded Hotline: 1-800-958-8171 - - PS: No Sales Pitches Ever! We hate them much as you do! A Medicare Advantage Plan, like an HMO or PPO, is another choice you have as part of Medicare. The Medicare Advantage Plans, also called “Part C” or “MA Plans” are offered and administered by private insurance companies approved by Medicare. A Medicare Advantage Plan will provide your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Some Advantage Plans may offer extra coverage, such as vision, hearing, dental, and wellness programs. Most do include prescription drug coverage, the Part D. What happens is, Medicare pays a fixed amount for your care every month to the company offering your Advantage Plan. The company must follow the rules set by Medicare. However, each Advantage Plan can charge different out-of-pocket costs and have different rules for how you get your services. For example: do you need a referral to see a specialist or which doctors, facilities, or suppliers you go to for non-urgent care. And, these rules can change each year. It's important to review the differences between the types of Advantage plans to see which works best for you. There are different types of Advantage plans and the three most popular types are: • HMO - Health Maintenance Organization: lets you see doctors and other health professionals who participate in its network. If your doctor is already on the network, it could be a good option because you tend to pay less out-of-pocket with in-network physicians. • PPO - Preferred Provider Organization: Covers both in- and out-of-network providers, giving you the freedom to choose any doctor that accepts Medicare assignment, which can work if you prefer that kind of flexibility. • FFS - Fee-for-Service plan: Here, the method determines how much it will pay your doctors and how much you must pay when you get care. Your doctor must accept the plan’s payment terms and agree to treat you. If the physician doesn’t agree to those terms, then the FFS plan will not cover services through that doctor Now, you do remain enrolled in Original Medicare even if you are in an Advantage plan. Which means you must continue paying your Part B premiums in addition to your Advantage plan premiums. Also, if you do enroll in an Advantage plan, you will not be allowed to obtain a Medicare Supplement plan to cover the deductibles, copays and coinsurance costs of your Advantage plan. These are all out-of-pocket costs to you! What do you do now? Simple! As a qualified broker, we specialize in Original Medicare and helping you with your Medicare supplement and drug plans. We have both the professional knowledge, experience, and follow-up to help you find the right options for you. Call us today at 1-800-825-2919. Or, if you prefer - send us an email to info@firstmedicareadvisors.com. You can also visit our website http://www.FirstMedicareAdvisors.com
Просмотров: 50 Dale Stringer
AARP MedicareComplete - Is It A Good Plan?
 
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Call (888) 310-0376 to Get Quotes on Top Rated Medicare Advantage Plans. AARP MedicareComplete is one of the most recognizable brands in the Medicare Advantage market, but is it a good plan? This video will address that question. Visit http://affordablemedicareplan.com to get access to hundreds of articles on Medicare Advantage, Medicare supplements and Part D insurance. I had a reader post a comment and ask if AARP MedicareComplete was a good Medicare Advantage Plan. Questions about which Medicare Advantage Plans are best is a common question. The question itself reveals a lack of understanding about Advantage Plans having to be measured against an individuals needs and circumstances. A good Medicare Advantage Plan is one that includes all the benefits you desire at reasonable out-of-pocket costs. Your providers should be in the plan's network and your drugs should all be included in the plan's formulary. The monthly premium must also be affordable. Further compounding the issue with AARP Medicare Complete is the fact that the plan will not include the same benefits, network type or out-of-pocket costs in every service area. MedicareComplete may be an HMO, HMO-POS or a PPO plan. The type of network will determine how you use your plan. To understand all the benefits and costs associated with a plan you should refer to the Summary of Benefits. Also, review the MedicareComplete provider directory and Part D formulay. Only then will you be able to assess the plan's value in relation to your needs. If you would like to learn about Medicare Advantage and Medicare supplements get my 8 Part Video Mini-Course. The course is designed to help you choose the best Medicare plan for your circumstances. http://free-mini-course.com
Просмотров: 16902 David Forbes
UPHP Medicare Advantage Plans 2019
 
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UPHP Advantage (HMO) UPHP Choice (HMO)
Просмотров: 50 Upper Peninsula Health Plan
Anthem Health Insurance, Medicare & Group Health Plans | Anthem
 
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At Anthem Blue Cross Blue Shield we offer affordable health insurance with $0 preventive care with no out-of-pocket costs for your family. Give us a click, and we’ll help you through the rest. Anthem Blue Cross Blue Shield. You’ve got the will. We’ve got the way. Visit Anthem.com today.
Просмотров: 4438142 Anthem Blue Cross Blue Shield
Medicare Planning in California
 
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California is the most populous state in the union. 1 out of 10 retirees resides there. So, think there aren't quite a bit of options for Medicare beneficiaries in terms of Supplemental policies and/or Medicare Advantage??? In this episode, our stand-alone expert, Jae Oh, CFP, discusses Medicare planning in the great state of California. Jae can be reached at www.maximizeyourmedicare.com.
Просмотров: 164 Heritage Wealth Planning
Medicare Supplements - 5 Things To Know Before You Buy A Medicare Supplemental Policy
 
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Call (888) 310-0376 to Compare All Medicare Supplement Plans in Your State. Get Instant Access http://free-mini-course.com I explain 5 things you should know about Medicare Supplements before you buy. As far as Medicare Plans go, Medicare supplemental coverage is a little easier to understand than Medicare Advantage. So what is Medicare supplement insurance and how does it work? Medicare supplemental insurance is also known as Medigap. It is private health insurance designed to supplement original Medicare by helping to pay some of your share of costs for Medicare-covered services. Medicare supplement plans are standardized insurance policies and are designated by the letters A through N. Standardization means that the same plan will generally have identical benefits no matter which company sells it. The second thing you should be aware of is that Medicare supplements are different than Medicare Advantage plans. While a Medigap policy pays your share of costs after Medicare pays, an Advantage Plan is another way to get your Medicare benefits and these benefits are paid by the plan. Medicare Advantage Plans are often PPOs or HMOs and require you to receive services from network providers. Medicare supplement policies on the other hand allow you in most cases (except Medicare Select) to choose your own providers without network restrictions. You cannot be canceled from your supplement unless you stop paying premiums. Advantage Plans are good for one year and require you to renew annually. Get Instant Access - http://free-mini-course.com - Unlock the information you need to choose the best plan for your circumstances. The third thing you should know is when you can buy a Medicare supplement. The best time to buy is during your Medigap Open Enrollment Period which lasts for 6 months and begins when you are both 65 or older and eligible for Part B. This in the best time to buy because an insurance company cannot: Refuse to sell you any policy it sells Make you wait for coverage Charge you more due to health problems Another time to get Medicare supplemental coverage is when you are entitled to Guaranteed Issue Rights. These rights are triggered by a change in your circumstances, such as; your Medicare Advantage Plan leaving Medicare or not renewing for the following year or your employer or Union group insurance is ending. The fourth thing you should know is how to compare Medicare Supplement Plans. Standardization make comparing plans easy. Once you look at the Medicare supplement benefits chart you will be able to see what is covered by each plan and then compare that plan across several companies. Fifth, you need to be aware that Medicare supplement rates can vary widely between plans. It's not uncommon to see $100 or more difference in monthly premiums for the same plan. Plans that are worthy of consideration include Medicare supplement Plan F and Plan N. Plan F is the most popular nationally and the most comprehensive. Medicare supplement Plan N is a good option if you can handle a little out-of-pocket expense. When comparing Medicare supplement policies remember that the best Medicare supplement is the one that fits your budget and gives you the most bang for your buck.
Просмотров: 34268 David Forbes
UPDATE: Medicare Insurance Sales for 2019  | What is Most Important
 
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https://MedicareAgentTraining.com What are the most important factors, going forward? The ONLY factor relevant in your business is the cost-per-acquisition of new clients and your growth plan, including growing to scale by hiring folks to help you. The only thing that has held back those agents who are capable of GREAT things in this business is their lack of an execution plan to grow into the next phase of their business - by hiring people. Too many agents are spending their profits, rather than reinvesting in the critical infrastructure necessary for significant growth. "Put your head down, work your ass off for 5 years and you couldn't spend the money you're making, if you wanted to." - Chris Westfall https://MedicareAgentTraining.com
Просмотров: 781 MedicareAgentTraining.com
2017 Medicare Supplement Plans | What's changing and staying the same!
 
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https://www.remedigap.com https://www.remedigap.com/ecourse 888-411-1329 Medigap Tips: 2017 Medicare Supplement Plans If you just started researching Medicare Supplement insurance, or you’ve been at it awhile, I’ll give you some tips about what’s changing and what’s staying the same in 2017. Hi, Joann Quinn, insurance professional and co-founder of REMEDIGAP.com, just here to make Medicare and Medigap a little bit easier…one video at a time. So, let’s see what’s happening in 2017 with benefit changes, new plans, and rate increases. Plan benefit changes Since CMS standardized Medigap plan benefits, they’ll remain the same in 2017. So, essentially, that means…if Medicare approves your claim, then Medigap is required to pay according to the Outline of Coverage established for your Medigap Plan…when it comes to copays, deductibles and coinsurance. Now, with that said, as of this recording, an announcement hasn’t been made regarding any increases to Medicare deductibles. However, if there are increases, Medigap plans adjust according to the Outline of Coverage. So, For instance, if the Part A Hospital Deductible increases, and your Medigap plan covers the Part A deductible, it will automatically adjust to pay the new deductible amount. This is a great safety net put in place by CMS. And, Likewise, if you have Plan F or Plan C, those plans will also automatically adjust to pay the Part B deductible if it increases in 2017. So, are there any New Medigap Plans in 2017? Well, there aren’t any new plans, it’s still the same 10 standardized plans…however, you may begin hearing more about Plan D in 2017. Now, this isn’t Part D (your drug plan), it’s Medigap Plan D…and, I can’t figure out why they just couldn’t give it a different letter to make it less confusing, but, nonetheless, it’s Medigap Plan D. And, some insurance carriers are beginning to sell it. But, as of this video it’s still not super competitive, however, definitely one to keep an eye on in 2017. If insurance companies can get the rate lower than Plan G, it could be worth a look. Okay, let’s address Rate adjustments It’s always a popular topic….but, first things first, not all Medigap companies increase rates on January 1. When you hear about first of the year changes, it’s usually in reference to Medicare Part D (drug plan) and Medicare Advantage Plans (the HMO /PPOs). But what you need to be aware of is that Medigap rate adjustments can happen any time of the year. So, Let me show you an example of what I’m talking about… And, as in 2016, Plan G & Plan N will probably continue to grow in popularity and grab more of the Medicare Supplement market share, which may mean Plan F will incur rate increases that aren’t as favorable as G or N. However, it all comes down to the insurance company and how they manage their Medigap plans and Medical Loss Ratios when determining their rate increases. And, I have one quick Bonus Tip for you… If you’re concerned about buying a Medigap Plan and getting a rate increase a couple months later (based on the fact that insurers can raise rates any time of the year), don’t worry…most insurance companies offer a 12 month rate lock. Just make sure you add that to your list of questions when doing your research. And, Speaking of research, if you want to learn more about Medicare, sign up for my free Medicare Ecourse. Where you can learn about Medicare on your schedule. You receive one email a day over 7 days where I cover all the parts of Medicare, enrollment guidelines, penalties and much more. I hope you found this video helpful, please like it, share it and don’t forget to subscribe so you can get updates when my new videos are added. Thanks for watching and I’ll see you next time. https://www.remedigap.com
Просмотров: 6835 REMEDIGAP
Senior Dental Insurance | Dental and Medicare
 
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Senior Dental Insurance | Dental and Medicare: 844-528-8688 or http://www.mymedicaredental.com/ For a Free Medicare Supplement Quote Visit http://medicaresupplementfinder.org/ A good Senior dental plan that works well with Medicare is tough to find. We have looked at hundreds of plans to come up with the very best coverage for dental/hearing and vision. I also have put together a website where you can get all the details and have easy access to the claim forms. You can see it here: http://www.mymedicaredental.com/. The plans come in two benefit packages, $1500 and $1000.00 yearly coverage options and you can use the full benefit for either dental, hearing or vision. Table of Contents: 00:00 - Introduction 03:30 - slide 2 _________________________________________________________________ **Dont miss a single Medicare Supplement video Click Below to SUBSCRIBE** https://www.youtube.com/channel/UCpeawY2B_hUuZhV26QAwRuQ?sub_confirmation=1 _________________________________________________________________ Loran Marmes Medicare Solutions Team http://medigapinfo.net/ Facebook: https://www.facebook.com/medicaresolutionsteam/
Просмотров: 1457 Medigap TV
Questions About Medicare Advantage Insurance Plans Video
 
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How does Medicare work? Find the RIGHT Medicare plan. Medicare Advantage or Medicare supplement? Which is better? What is the difference? Which one is right for me? Are you turning 65? Where do I get honest information without sales pressure? Is there anyone out there who will just answer my questions? Finding the best Medicare plan that is right for you is easy . . . as long as you know the right questions to ask. For instance. Do you travel in the United States? Would you like to keep your doctor? How much per year do you normally spend on health care? Would you prefer budget your health care expenses or pay as you go? Do you want to see all the Medigap rates in your area or are you content with reviewing plans from just a couple of carriers? Some agents will only show you one or two carriers, telling you both are the best, and say pick one. At least one of those carriers may be paying a bonus for each application. One carrier is currently (May 2018) paying as much as $150 per application for new business. Medicare.gov has this to offer about #MedicareAdvantage plans A type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Insurance Plans provide all of your Part A and Part B benefits. Medicare Advantage Plans include: Health Maintenance Organizations Preferred Provider Organizations Private Fee-for-Service Plans Special Needs Plans Medicare Medical Savings Account Plans If you’re enrolled in a Medicare Advantage Plan: Most Medicare services are covered through the plan Medicare Advantage claims aren’t paid for by Original Medicare If you are turning 65 and enrolling in Medicare, this may be your only chance to purchase a Medigap plan. Here is your video guide to understanding Medicare. You don't have receive Social Security to enroll in Medicare insurance. CMS is the agency that oversees Medicare. What is Medicare? Senior health care insurance is commonly used to describe Medicare. How to sign up for Medicare? You may enroll in Medicare 3 months before your 65th birthday, the month you turn 65, and 3 months following your 65th birthday. You may enroll online (highly recommended), by mail or by visiting a Social Security office. Both Medigap and Advantage plans cover the same types of medical treatment, but what you pay out of pocket for your care, and where you receive your care, is very different. Advantage plans are managed care plans. Some are PPO, some are HMO. In 2018 about half the plans are HMO with the balance being PPO. If you receive non-emergency out of network care under a PPO you may have higher copay’s and deductibles. Your max OOP may also be higher. Some plans do not cap out of network charges. Non-emergency out of network care charges may be denied if you have an HMO. In 2018 most Advantage plans issued in Georgia limit your out of pocket for approved in network health care expenses to $6700. The American Cancer Society tells us that more than half the 1.4 million new cancer diagnoses occur in people age 65 and older. Roughly 20% of retiree deaths are a result of cancer. Medicare pays for almost half of the $74 billion spent on cancer treatment. The elderly account for 70% of cancer deaths each year. Not all cancer responds to chemotherapy, but 80% of cancers are treated with chemo. Those treatments occur in an outpatient setting and are covered under Medicare Part B. Chemotherapy drugs administered in a doctor's office or clinic normally fall under Part B. Medication from a retail pharmacy or by mail fall under your PDP. This is why most of us chose a Medicare supplement plan in 2018. Bob Vineyard, independent Medicare insurance broker in Georgia, can explain your Georgia Medicare insurance options and will allow you to decide. We represent several carriers including Aetna, Anthem Blue Cross, Humana and more. According to the Mayo clinic, "new cancer treatments are routinely priced at over $100,000 per year of treatment." Shop and compare Georgia Medigap rates online. Instant quote. Up to 30 plans http://gamedigapquotes.com FREE REPORT for over 240 different GA Medigap carriers available on request. We quote Medicare supplement rates by phone and email your custom report. No obligation. Additional reading: https://www.medicare.gov/sign-up-change-plans/medicare-health-plans/medicare-advantage-plans/medicare-advantage-plans.html https://www.medicare.gov/sign-up-change-plans/medicare-health-plans/medicare-advantage-plans/how-medicare-advantage-plans-work.html Visit my secure website at Georgia Medicare Plans - https://www.georgia-medicareplans.com/ For an online resource center or to apply for Medicare visit http://www.medicare.gov #GeorgiaMedicarePlans #GAMedigapQuotes #Turning65 For more information about Medicare Advantage Plans visit: https://www.georgia-medicareplans.com/ufaq-tag/medicare-advantage/ You have questions about Medicare Advantage. We have answers.
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