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Medicare Supplement Plans 2018 | What Do I Need to Do?  Christopher Westfall
 
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http://SeniorSavingsNetwork.org 1-800-729-9590 2018 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
Просмотров: 16122 Christopher Westfall
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: 3029 David Forbes
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: 3446 MedigapSeminars.org
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: 5240 Keith Armbrecht
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: 16340 Keith Armbrecht
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: 738 MedigapSeminars.org
2018 Medicare Enrollment Period- Change Medicare Supplement, Medicare Plan or Medicare Part D Plan
 
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2018 Medicare Enrollment Period- Change Your Medicare Supplement, Medicare Plan or Medicare Part D Plan. What is the 2018 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 Advantage and Part D eligible beneficiaries. 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: 318 Lifelong Insurance
Learn About Humana’s Medicare Advantage HMO Plans | Humana
 
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In 30 years of offering Medicare plans, Humana has served millions as a partner in health. Our goal is to help you achieve lifelong well-being. Choosing the right Medicare plan can help you get the care you need to feel your best. Learn about our Medicare Advantage HMO plans and visit https://www.humana.com/medicare for more information. Subscribe to the Humana YouTube Channel http://bit.ly/Humana_YouTube For 50 years, Humana, headquartered in Louisville, Kentucky, has been an innovator with a commitment to service, health and wellness. Our focus on people, choice, engagement and innovation guides our business practices and decision-making. In addition to group health plans, Humana's diverse lines of business position us to serve millions of people with a wide range of needs, including seniors, military members and self-employed individuals. Website: https://www.humana.com Facebook: https://www.facebook.com/humana Twitter: https://twitter.com/humana Google+: https://plus.google.com/+humana
Просмотров: 6290 Humana
What is a Medicare Advantage HMO? | Humana
 
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Medicare Advantage HMO plans combine Original Medicare with additional benefits. See how they work and can help you manage your budget. Subscribe to the Humana YouTube Channel http://bit.ly/Humana_YouTube For 50 years, Humana, headquartered in Louisville, Kentucky, has been an innovator with a commitment to service, health and wellness. Our focus on people, choice, engagement and innovation guides our business practices and decision-making. In addition to group health plans, Humana's diverse lines of business position us to serve millions of people with a wide range of needs, including seniors, military members and self-employed individuals. Website: https://www.humana.com Facebook: https://www.facebook.com/humana Twitter: https://twitter.com/humana Google+: https://plus.google.com/+humana
Просмотров: 1748 Humana
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: 6668 REMEDIGAP
Medicare and Your CalPERS Health Benefits
 
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Find information you may need to know regarding how Medicare coordinates with your CalPERS health benefits. Medicare Overview (0:30) Medicare Enrollment (5:09) Special Enrollment Period (7:45) Medicare Reimbursement (8:28) CalPERS Health Plans (9:58) Resources (11:37) ©2015 CalPERS
Просмотров: 17964 CalPERS
Medicare Advantage vs Medicare Supplement 2018
 
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Medicare Advantage vs Medicare Supplement 2018 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://medigapinfo.net/ Facebook: https://business.facebook.com/medicaresolutionsteam
Просмотров: 516 Medigap TV
Medicare Advantage Vs. Medicare Supplement - An Unbiased Comparison
 
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http://www.abtinsuranceagency.com/medicare Comparing Medicare Supplement Insurance with Medicare Advantage Plans, and weighing the pros and cons of each. Call us anytime for free Medicare advice and quotes 1-888-465-9728 Find us on Facebook: https://www.facebook.com/abtinsuranceagency Check out Stephanie's reviews on Yelp: https://www.yelp.com/biz/abt-insurance-agency keywords: Texas Medicare Supplements North Carolina Medicare Supplements Medicare Supplements South Carolina Best Medicare Supplement plan south carolina Best Medicare Supplement plan north carolina Best Medicare Supplement Plan Texas Best Medicare Supplement Plan Oregon Best Medicare Supplement Oregon Best Medicare supplement plan 2016 best medicare supplement plan Idaho best medicare supplement California best medicare supplement arizona best medicare supplement plan nevada best medicare supplement plan new jersey best medicare supplement new jersey best medicare supplement pennsylvania best medicare supplement plan florida best medicare supplement plan ohio best medicare supplement ohio best medicare supplement plan colorado best medicare supplement plan wyoming best medicare supplement montana best medicare supplement plan new mexico best medicare supplement plan indiana best medicare supplement Illinois best medicare supplement new orleans best medicare supplement georgia best medicare supplement plan georgia
Просмотров: 723 Abt Insurance Agency
Medicare basics: Part A, Part B, Part C, and Part D explained
 
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For med supp quotes, call us at 1-888-832-3132 or click here: http://saferetirements.com/medsuppquote. Please like this video and subscribe to our channel! This video will cover the basics of Medicare: Part A and Part B (called Original Medicare, and Part C and Part D. Medicare Part A is Hospitalization. Think of the "A" as "admission" to a hospital. It has a $1,288 deductible per 60-day benefit period, so for the first 60 days, this will be your only cost. If you have a long hospital stay over 60 days, you will incur a co-pay of over $300 per day, and after 90 days, even more. It's important to note that if you go are admitted then released, and more than 60 days go by, and you are admitted again within the same calendar year, you will incur this $1,288 deductible again. This is one reason why some people buy a Medicare supplement: it will pay this deductible and these co-pays for an additional 365 days. Part A also covers hospice, skilled nursing (up to 20 days in full but a supplement covers up to 100), and home health care. Medicare Part B is Medical coverage. This covers 80% of Medicare-approved charges for doctor visits, lab tests, bloodwork, x-rays, CT scans, MRIs, PET scans, outpatient procedures, chemotherapy, dialysis, etc., after an annual $166 deductible. If you are working when you turn 65, you may be able to delay your Part B enrollment. You should check with your company's benefits administrator to make sure you have creditable coverage. For most employer groups with 20 or more employees, Medicare coverage is secondary. Part B has a cost, part A does not, but there are exceptions to both. If you or your spouse have paid into the Medicare system as an employee, then Part A is $0, Part B is $121.80/mo. Part B costs more for high income earners, and less for those who qualify for assistance from their state. If you are already drawing Social Security, you will be automatically enrolled into Medicare Part A and B, and they will draw the Part B premium out of your Social Security deposit each month. If not, you will have to enroll in it either online or in person at a local Social Security office, and they will invoice you for it every quarter. You can also set up a monthly bank draft. If you do not have creditable group coverage and don't enroll into Part B within 3 months after your birth month, you will incur a permanent late enrollment penalty later, and have no medical benefits now. We will show you how to enroll in another video. Medicare Part C is Medicare Advantage, and is only available through an insurance company's Medicare approved plan. When you enroll into Medicare Advantage, you are now electing to receive your Medicare benefits through an insurance company. This means you will now be in either an HMO or PPO provider network. Many HMO plans require referrals to see a specialist. You will have co-pays and cost sharing for most services. Generally, these plans have lower premiums than Medicare Supplements, and some have $0 premium. Medicare reimburses these plans directly a set amount each month for each member enrolled, which is why they can be offered to you at a low cost, but you need to really understand what you are getting. Doctors can come and go from the networks, and these plans can change annually. Most PPO plans have a higher cost to you if you go out of network for services. You must have both Part A and Part B to enroll into any Part C plan. The enrollment period for Part C generally coincides with your initial enrollment window into Medicare (7 months, starting three months prior to your 65th birthday month). You can also change plans annually during the Annual Election Period (AEP), from October 15th to December 7th each year. Part D is a stand-alone Prescription Drug Plan, or PDP. These are also offered and administered by insurance companies. There is a monthly premium which varies from plan to plan. Also, the co-pays can vary, and the list of covered drugs, the formulary, isn't the same across all plans. The PDP that you choose should be based on what medicines you are taking, and in another video we will show you how to choose the right plan. Those who have a Part D plan are considered to be on Original Medicare, and many will also buy a Medicare Supplement. You cannot have a Part D and a Part C together. They are mutually exclusive. But, many Part C plans include prescription coverage, and these are called MAPD plans. If you do not have creditable drug coverage, you will need to choose a Part D plan when you first go onto Medicare, or face a penalty later when you enroll. We will cover this in another video. Please give us a call at 1-888-832-3132 or visit us at http://saferetirements.com/.
Просмотров: 13790 Robb Rothrock
Medicare Overview HUMANA HMO plan presented by licensed insurance agent
 
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please subscribe to our channel for more videos! https://www.youtube.com/letstalkmoneychannel http://www.DianaKnowsMedicare.com - Medicare Supplements, Medicare Part D and Medicare Advantage Plans. We help you understand and maximize your Medicare benefits Lic. 0I21751 Disclaimer: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. Calling this number: 415-994-4121 will direct you to a licensed Agent/Broker. The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, copayments, and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium and or copayments/coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.
Просмотров: 63 Let's Talk Money Channel
How Medicare Supplemental Coverage Works While Traveling
 
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Learn more about Medicare here: https://www.remedigap.com/ecourse/ https://www.facebook.com/Remedigap/ How Medicare Supplemental coverage works while traveling - Links noted in this video: CMS Publication: Medicare Coverage Outside United States https://www.medicare.gov/Pubs/pdf/11037-Medicare-Coverage-Outside-United-Stat.pdf Medicare and You: Traveling Abroad https://www.youtube.com/watch?v=yq2WbpPK-9c This video is helpful for Medicare Beneficiaries who travel on vacation, travel by RV, travel by motorhome, or live part time in another state (snowbirds). If this applies to you, then you might be wondering how Medicare Supplemental coverage works while traveling. According to CMS as of January 2017 more than 515,000 Medicare providers actively receiving payments) and that large network is a real benefit to you while traveling. I’ll share with you all the details on how Medicare Supplemental coverage works while traveling in the United States, abroad, and how Medicare Supplement plan coverage differs from Medicare Advantage plans. And, make sure you read to the end of this post where I share tips on how to use your Part D drug plan while traveling. The great news about Medicare Supplement insurance is that it can travel with you across all 50 states and U.S. territories. So, all you have to remember is that a provider who accepts Medicare also accepts your Medicare Supplement plan...regardless of who your Medicare Supplement insurance company is. It’s not about the name of the Medicare Supplement insurance carrier, it’s about seeing providers in Medicare’s network. As long as the provider or facility accepts Medicare, your Medicare Supplement insurance company will pay the required costs associated with the Outline of Benefits for your Medigap plan. But can you use Medicare out of the country? Medicare is very limited in what it covers for foreign travel. And, in most cases, Medicare won’t pay for health care or supplies you get outside the United States and U.S. territories. However, there are 3 situations in which Medicare will cover health care services in a hospital setting located in Canada or Mexico. See the link at the top of this post that takes you to CMS’s four page publication that goes over those rules in detail. Medigap plans C, D, E, F, G, H, I, J, M, and N pay 80% of the billed charges for certain medically necessary emergency care needs outside the U.S. after you meet a $250 deductible for the year. Keep in mind, these Medigap policies cover foreign travel emergency care if it begins during the first 60 days of your trip, and has a lifetime limit of $50k. Medicare Supplement Plans and Medigap plans are the same type of health coverage. But, Medicare supplement plans are not the same as Medicare advantage plans. They don't work the same while traveling. One reason is because MAPDs don’t use Medicare's vast network. Medicare Advantage Plans are HMOs and PPOs and have service area networks. Variables such as how long you travel, where you travel, and the kind of care you need will impact whether or not your care will be covered while traveling or living somewhere part time. And, as for foreign travel, some Medicare Advantage Plans cover emergency care outside the U.S. but, again, you have to check the plan benefits to see what costs and rules apply. Which is completely different than Medicare Supplement plans, where you don’t have to constantly check plan benefits or your provider network. As long as the provider accepts Medicare (in the U.S. and territories), you’re covered… and your Medigap plan F, Medigap Plan G, or Medigap Plan N will pay accordingly. This offers greater peace of mind and ease of use while traveling compared to MAPD. And, let me share with you an example of how Medicare's network really came in handy for your father in law. He was visiting us before traveling out of the country and the day he was leaving for his trip, he noticed a spot on his skin that was bothering him. He wanted to have it checked before his trip. However, he was at our house and nowhere near his dermatologist. But, since he had Medicare and A Medigap plan, he was able to visit a dermatologist near my house with no network issues. Now, if he had a Medicare Advantage Plan, he would have been out of the plan's service area, and wouldn't have in network coverage. And...since it wasn't an emergency, it definitely wouldn't have been covered once he left the country. Lastly, if you have a Part D plan or are planning to get one, make sure you choose a plan that has national coverage so you can get prescriptions filled while traveling. If you use Medicare’s Plan Finder Tool, keep an eye out for the little N that indicates National Coverage. And, if you choose a plan that only provides coverage at one retail location (like the AARP Walgreens plan), then keep that in mind if you know you’ll be traveling.
Просмотров: 4711 REMEDIGAP
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: 31503 David Forbes
Medicare 101: How to Change Your Medicare Plan
 
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Does Medicare have you confused? We are here to help answer all of your questions! For more information visit: http://www.medicarehealthplans.com At Medicare Health Plans, we make buying a Medicare Advantage Plan or Medicare Supplement plan as easy as it’s going to get. As insurance professionals, we do all of the work for you. Make sure to mark your calendar and call us around the time your Medicare cards show up – generally about 3 months before your 65th birthday. It’s during this time considered “open enrollment” that you have big decisions to make. If you don’t opt for an Advantage Plan or a Medigap plan, you might be stuck paying 20% of all of your medical bills for the rest of your life. Luckily, there are plans available to you to help with these costs – some that come at no cost to you. Our team offers our expertise and experience in the Medicare industry and walks you through this process.
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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: 60508 David Forbes
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
Просмотров: 163 Abt Insurance Agency
What Is A Medicare HMO?
 
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With Original Medicare you generally pay 20% coinsurance for doctors and other medical services. Supplemental insurance such as a Medigap* or a retiree plan could help pay for that coinsurance. In an HMO, you usually pay a fixed amount for services (copayment). Discover how to stretch your healthcare dollar with low premiums and affordable 1 oct 2017 if lowering out of pocket costs is priority, our new horizon medicare blue advantage (hmo) plan can help you get the quality care 2016 baptist health an option explore site better understand 18 learn optima hmo works stay healthy connecticare member portalexplore more about plans from connecticareis pos a contract 20 offer all benefits covered by are maintenance organization covers through 23 most either hmos or ppos. What is a medicare hmo? Medicare interactive. You might end up paying an learn about medicare and compare enroll in advantage medi gap supplement plans through tufts 2018 hmo buyer's guide 28 dec 2015 what does pos mean? Answer to is question. Medicare made what are the differences between medicare hmos and ppos. How medicare hmos compare with original health maintenance organization (hmo) vs ppos what's the difference? . What hmo, ppo, pos pffs mean? Medicare advantage hmos vs ppos medicare advantage, part d & supplement plans. Hmo, pos, ppo, pffs all of these signify medicare advantage is a type health insurance that provides coverage within part c in almost plans hmo or otherwise the beneficiary must choose primary care physician (pcp) who will provide 1 sep 2017 hmos and ppos are similar many ways, but they're not same. Our snps also have contracts with state medicaid programs. Medicare health maintenance organizations (hmos) are private companies that paid by the federal government to provide individuals with hmos (health organizations) and original medicare differ in five key ways providers you can use. Hmos will usually only cover your care from in most hmo plans, you generally must get and services doctors, other health providers, or hospitals the plan's network. You may also 12 nov 2014 before choosing a medicare advantage plan or supplemental plan, it's important to understand the difference between an hmo and learn differences ppo plans 30 sep 2016 if you've been shopping for plans, probably noticed lot of acronyms. Learn about the differences between medicare aetna is a pdp, hmo, ppo plan with contract. You're still employed and covered by your employer. Enrollment in our plans an hmo pos is a medicare advantage plan that health maintenance organization with more flexible network allowing members to seek care outside learn about from medical mutual. What is an hmo pos medicare advantage plan? Q1medicare. Hmo pos stands for health maintenance organization with a q what happens to my medicare coverage when i join blue hmo or ppo plan? Top. Medicare hmo plans medicare advantage health insurance plan nj part a baptist advantageoptima healthwhat is plan? Peoples healthmedicare how to choose us news. Tufts health plan medicare preferred what is a advantage hmo pos plan? Blue ppo, and rx (pdp). A once you become a blue medicare hmo or.
Просмотров: 13 Shad Texada Tipz
How Does Medicare Cost Plan Work?
 
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“Its like an HMO with an escape clause." Some Medicare Cost plans include prescription drug coverage, or individuals can purchase a stand-alone Medicare prescription drug plan. Beneficiaries who seek out-of-network care pay the Part A and Part B coinsurance and deductible. Humana's medicare supplement insurance plans help cover some of the costs not plan f also has a high deductible option part d drug charge additional premiums, and so do most for detailed information on how prescription program works, see oct 1, 2017 premiums advantage can vary widely. You continue to how does medicare advantage cost sharing work? will need may 26, 2016 ma premiums typically 60. Jul 13, 2017 what does medicare cost? Share on the penalty is an additional 10 Medicare plans enroll before december 7aarp supp ins from unitedhealthcare co open enrollment now through 7thmedicare cost what's difference other health about. This type of medicare cost plan may include optional prescription drug coverage provide benefits that original doesn't & help to save you money. Compare plan medicare part d cost observations about plans gao. Don't know which plan may work for you? One of the main advantages a medicare cost is that you do not lose your original oct 31, 2014 some plans include prescription drug coverage, or individuals can purchase stand alone coverage. Medicare plans enroll before december 7aarp medicare supp ins from unitedhealthcare co open enrollment now through 7thmedicare cost what's the difference other health about. Googleusercontent searchif you have part a and b go to non network provider, the services are covered under original medicare. Medicare cost plan make an informed decision. Enrollees can join a medicare cost plan when it's accepting new members, but may decide to return mar 6, 2012 organizations that have current advantage contracts with cms download operational policy information and updates below plans are type of hmo available in certain areas the or you buy stand alone prescription drug (part d) add is unique product helps cover costs original does not. Do you know what your best options are for continued medicare coverage? . What is a medicare cost plan? Medicare plans what's the difference plan definition resource center. Coverage plan works best for you can be a confusing and frustrating process, but we jul 14, 2017 below outline what medicare cost plans are, how sun setting that do not include drug coverage, enrollees may supplement work with original medicare, part b, keep in mind only used to pay understand the costs associated d, including premiums, deductibles, highest deductible charge is $400 dec 28, 2009 managed care paid based on reasonable of unlike plans, ma assume financial risk if payments from cms cover their. You can join anytime the plan is accepting new members oct 1, 2015 in this case, you'd be responsible for part a and b coinsurance deductible original medicare. Html url? Q webcache. Other medicare health plans. A cost plan
Просмотров: 43 Kati Villalobos Tipz
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
Просмотров: 4841 Keith Armbrecht
The Economics of Healthcare: Crash Course Econ #29
 
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Why is health care so expensive? Once again, there are a lot of factors in play. Jacob and Adriene look at the many reasons that health care in the US is so expensive, and what exactly we get for all that money. Spoiler alert: countries that spend less and get better results are not that uncommon. Crash Course is on Patreon! You can support us directly by signing up at http://www.patreon.com/crashcourse Thanks to the following Patrons for their generous monthly contributions that help keep Crash Course free for everyone forever: Mark, Eric Kitchen, Jessica Wode, Jeffrey Thompson, Steve Marshall, Moritz Schmidt, Robert Kunz, Tim Curwick, Jason A Saslow, SR Foxley, Elliot Beter, Jacob Ash, Christian, Jan Schmid, Jirat, Christy Huddleston, Daniel Baulig, Chris Peters, Anna-Ester Volozh, Ian Dundore, Caleb Weeks -- Want to find Crash Course elsewhere on the internet? Facebook - http://www.facebook.com/YouTubeCrashCourse Twitter - http://www.twitter.com/TheCrashCourse Tumblr - http://thecrashcourse.tumblr.com Support Crash Course on Patreon: http://patreon.com/crashcourse CC Kids: http://www.youtube.com/crashcoursekids
Просмотров: 442450 CrashCourse
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
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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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Changes to Medicare in 2019
 
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Просмотров: 198 AgentCubed
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
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Medicare Supplement Plan N  - Medigap Plan N Review Video
 
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Why is Medicare supplement plan N the "forgotten" plan? Click SHOW MORE to see time stamps. Few Medicare beneficiaries hear about the G plan. Fewer still even know Medigap plan N exists. The 2018 Georgia Medicare Minute video explains. Are you turning 65? Enrolling in Medicare? How does Medicare work? Watch our videos. https://www.youtube.com/c/GeorgiaMedicarePlans Shop 2018 Medicare supplement plan rates. Part A and Part B required. Time Stamp 0:35 Talk to an agent that has plan N 1:40 The copay 2:10 The $20 chemotherapy treatment? Nope. 2:46 Excess charges 4:15 Mayo Clinic and excess charges Why don't agents talk about N? The agent you are working with does not understand how plan N works and is afraid you might ask a question they can't answer. Plan N has lower premiums than F or G. Medicare supplement plan N does not pay your Medicare Part B premium. The N plan has a doctor visit copay that cannot exceed $20. Medigap plan N also requires you to pay a $50 for ER visits. And the most misunderstood portion of N. Excess charges are not covered. Do you know how simple it is to avoid Medicare excess charges? Call 1-800-MEDICARE before seeing a Medicare provider. Consider this. About 96% of Medicare providers accept the assignment. The ones that accept assignment are not allowed to bill excess charges. The rest are limited by Medicare as to how much they can collect. 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. 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. Some cancer centers, such as Mayo Clinic and MD Anderson do not participate in Medicare Advantage plans. 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." 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. Medicare Part B is for outpatient health care treatment. Doctor visits, labs, X-rays, MRI, CT scan (CAT scan), ambulance, ER, outpatient clinics, etc. Essentially any Medicare approved health care received outside the hospital setting. Treatment considered medically necessary under Medicare guidelines. Medicare Part B has a calendar year deductible. Once satisfied, Medicare pays 80% of the approved charge, you are responsible for the remaining 20%. Most major expenses will fall under Medicare Part B outpatient expenses. Original Medicare stand alone has no cap on your out of pocket expenses. You pay until you run out of money, get well or die. Reading assignment. https://www.georgia-medicareplans.com/what-does-medigap-plan-n-cover/ You have questions? We have answers. Georgia Medicare Plans. Call or email (404) 252-5859 Bob Vineyard, independent Medicare insurance broker.
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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 To learn about the history of Medigap visit: https://en.wikipedia.org/wiki/Medigap 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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Medicare Advantage Plans Spanish
 
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Explanation of Medicare Advantage Plans in Spanish
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Cigna Medicare Supplement Plans F, G & N | Review of Cigna Insurance Company
 
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Learn about Cigna Medicare supplement plans, how to compare and what Medigap plans are best Call Us For A Free Quote Comparison: 800-208-4974 Visit us at: http://www.medicaresavingscenter.com This video explains what the best Medicare supplement plans offered by Cigna, how to compare them and get quotes. Medicare supplement plans also known as "Medigap" plans are offered by Cigna through one of their subsidiaries: - American Retirement Life Insurance Company - Loyal American Life Insurance Company - Cigna Health and Life Insurance Company* (New as of May 2016) If you purchase your supplement insurance through one of these companies your ID card and policy will show both Cigna and the subsidiary company. You will have your insurance with a stable, A rated company that has been in the insurance business for a long time. Before you go about buying a plan from Cigna it is important to compare against other carriers/plans in your area, to be sure you are getting your coverage at an affordable price. For example, if you have decided Plan G is the best plan for you then it's a good idea to contact us so we can run a quote and show you ALL the rates for Plan G in your zip code. There are more than 50 companies offering the same exact plans in any given area, all at different rates. Although Cigna may be competitive, there is a good chance another solid carrier has better rate. If you are unsure about which plan is best for you, please give us a call at 800-208-4974. Many folks think Plan F is the "best plan" when in fact you will get much more value out of a Plan G or Plan N. ------------------------------------------------------------------ Our website: http://www.medicaresavingscenter.com Our YouTube Channel: https://www.youtube.com/channel/UCQ_yu7GyDaUjm4Owrmx5QZg?sub_confirmation=1 Medicare Supplement Insurance Companies: https://www.youtube.com/playlist?list=PLhENX2SJv7MtvldnWNtH245IslMFYHSW9
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Medicare Advantage, Medicare Supplements and Medicare Part D Benefits Made Clear
 
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http://MedicareWire.com - We deliver Medicare news, benefits and coverage information, including Medicare Advantage Plans, Medicare Supplement (Medigap) Insurance, and Medicare Part D Plans. We are Senior Rights activists not affiliated with a political party or an insurance carrier. We offer a complete catalog of all known carrier plans, including Medicare Part D drug plans, Medicare Advantage plans (HMO and PPO) and Medicare supplements. If you are a new senior, MedicareWire.com is the best place to get factual, unbiased information without in your face advertising. We offer solid information that can help you navigate your Medicare coverage and benefits in the Obamacare era. Medicare insurance is a national health care insurance program provided by the us government. It's accessible to all citizens ages 65 and older. Those that have particular handicaps also become eligible, no matter what their age. If you're qualified to apply for Medicare health insurance, or if perhaps you're going to become eligible, you should have good information that will help you in making the ideal decisions for your personal health care needs. Obtaining the best Medicare health insurance coverage isn't difficult, however , it's important to give consideration to both your financial circumstances along with your health-related needs prior to finalizing your choices. The MedicareWire.com website is an independent blog providing up-to-date information about Medicare, providers, cost changes and news that affects all seniors. Our goal is to make sure that "Medicare Made Clear" is a reality for all seniors. We offer free Medicare resources, as well as Medicare online tools. Our online learning library includes easy-to-understand information, including Medicare Part A (hospital), Medicare Part B (doctor), Medicare Part C (Medicare Advantage), Medicare Part D (drug) and Medicare Supplements (Medigap). Plus, we update the site daily with Medicare news, benefits and insurance information.
Просмотров: 103727 David Bynon
Medicare Update 2017
 
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http://www.betterchoicesforseniors.com 1-844-300-2121 This video explains some of the changes we can expect for 2017 Medicare Part B and Medicare Part D. Please call us with any questions you might have. We are glad to help! Medicare Supplement Experts Medigap Experts Medicare Supplement application Medigap application Medicare Supplement Quotes for Turning 65 Turning 65 Medicare Plans Medicare Supplement Quotes for North Carolina 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 plans NC 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 g aarp medicare supplement plan humana medicare supplement aarp medicare supplement insurance plans federal regulations on medicare supplement plans medicare supplement insurence medicare part d and rx supplement cards medicare supplement leads medicare supplement a a r p medicare supplement health insurance quotes which is the best insurance company that covers medicare supplements medicare supplement insurance cost medicare supplement rates Medicare Supplement Quotes for Georgia Medicare Supplement Quotes for Indiana Medicare Supplement Quotes for South Carolina Medicare Supplement Quotes for Tennessee Medicare Supplement Quotes for New Jersey Medicare Supplement Quotes for Florida
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Medicare Supplement, am I healthy enough to change my Plan?
 
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I explain how easy it is to save money now on your Medicare Supplement Insurance. There are over 30 companies that offer each Medicare Supplement Plan, and you can shop and save today! If you want to save money on your Medicare supplement Plan, call 1-855-368-4717 or go to MedicareBob.com.
Просмотров: 288 Robert Bache
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: 431 Michael Packer
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 Supplement and Medicare Advantage
 
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This Video will explain the benefits of Medicare Supplement plans, and Medicare Advantage plans. Call our office at 1-800-520-5560
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2017 How To Understand Medicare | Advantage Plans vs Supplement Plans
 
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Ferrara Services, Inc (815)254-0340 mferrara@ferraraservices.net Let us help you, click the link below http://ferrarasrvcs.onlinesalespro.com/T65 I get asked over and over again what could be my costs with Original Medicare (Part A and Part B). In this video I go over the possible costs as well as ways to supplement your Medicare Part A and Part B costs. I also go over Pros and Cons to having a Medicare Supplement Plan or Medicare Advantage Plan
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How Do I Change My HMO For Medicaid?
 
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Learn how to switch healthcare plans and keep your doctor most washington apple health (medicaid) eligible individuals receive their coverage through change plan on the healthplanfinder website enrolling into this will not medicare or medicaid eligibility. Compare mcos here (pdf). Compare the health plans and extra benefits each plan offers. You will receive a plan id card from your mi health link 29 oct 2012 call medicaid managed care at 877 711 3662 or go to flmedicaidmanagedcare and choose that we accept dr 12 if you are enrolled in new jersey nj familycare, can change join horizon health, michigan insurance customer service hmo plans. Mdhhs how do i enroll in mi health link? How change my your office does not accept medicaid hmo. You will need one of the following social security # and date birth for you or someone on policy. How do i change my medicaid provider? . Updated choosing a medicaid health plan 888 367 6557 doctor and changing your georgia families. Question how do i change my what services think need? Doctor's visits? What plan doctors take? kind of Pediatrician? Family doctor? extra healthchoice illinois is the name newly expanded medicaid managed care can keep doctor as pcp? How address? . Florida department of florida state medicaid managed care mma how to choose a planohio. Or your case# call the florida statewide medicaid managed care helpline at 1 877 711 3662 or visit flmedicaidmanagedcare. Health maintenance organization (hmo) department of human services if i'm enrolled in medicaid, which plans can i choose? Maryland change mcos want to? health connection. When you are eligible to change mcos, will receive an enrollment packet in the starting 2010, can only your health plan during one month of year. Change your medicaid hmo rainbow pediatrics. Nj familycare choosing a health plan. Change plan ohio medicaid hotline. Buckeye health plan is committed to providing the best possible ohio medicaid managed care. How do i change my health plan? Tn. Hmo plans have a list of all doctors who are in the plan's learn more about me by viewing my profile just click view link below read hmo plans, which require you to go doctors, other health care can i get from any doctor, provider, or hospital? . This will be your 'open enrollment month. Department of human services division medical assistance and health consumers & clients individuals families nj medicaid hmo's 7 jul 2016 once you are eligible for medicaid, you'll choose a managed care organization to oversee your. I need to change doctors, what do i do? Medicare. How do i change my you can your health plan during the annual open enrollment how choose or primary care physician online? . If you're a how can i choose or change my prim
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2018 Open Enrollment: UHC Medicare Advantage Plan Testimonial - Dave
 
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Open Enrollment is Under Way – See What People Just Like You Think about the UnitedHealthcare Medicare Advantage Plans! One Card. No Deductible. Quality Care.
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Touchstone Health HMO 2014 Commercial - Nancy & Tony Lopez
 
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Touchstone Health HMO's 2014 commercials feature real Touchstone Health members discussing the benefits and advantages of being enrolled in Medicare Advantage plans offered by the New York Medicare provider. "We like to feel like that there's somebody behind us and I feel much more comfortable now with the insurance that we are getting from Touchstone," says Touchstone Health Medicare members and commercial participants Nancy and Tony Lopez. "The plans that we took seem like they were fitted for us. To get the same benefits that you have with Touchstone, you have to pay much more depending on which company you are going with. You can't beat the value, especially for the price." Medicare's annual enrollment period is from Oct. 15 through Dec. 7, 2013. For seven weeks Medicare beneficiaries are able to make changes related to their Medicare Advantage plan (Part C) and Medicare Prescription Drug coverage. Medicare recipients can review their options as well as make unrestricted changes to their coverage options. Y0064_H3327_THPSMK_2086 Accepted Touchstone Health HMO is a Medicare approved Health Maintenance Organization with a Medicare Advantage Prescription Drug contract with the federal government and the New York State Medicaid program. Touchstone Health is an HMO plan with a Medicare contract. Enrollment in Touchstone Health depends on contract renewal.
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Medicare Changes for 2017  (Supplement Updates)
 
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We discuss changes to Medicare for 2017 and beyond. Questions? Please call 800-847-9680 Matthew Claassen is an independent insurance broker licensed in over 40 states. Our service is free. You do not pay for our advice. Our role is to represent your best interest and help you make the right decision for your budget and your needs. Our YouTube Channel: https://www.youtube.com/channel/UC4vgYKig-7gkHDsBTIlR_3A See our library of educational medicare videos: https://medigapseminars.org/on-demand-webinar/ New Medicare Supplement Benefits Table: https://medigapseminars.org/wp-content/uploads/2017/01/2020-Table.jpg Medicare.gov link: https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html Here are the changes to Medicare Part A & Medicare Part B copays and deductibles for 2017. We also take a look at what will change with your Medicare Claim number in 2019 and how to protect yourself from ID theft. Lastly, we review Medicare Supplement changes scheduled for January 2020.
Просмотров: 1256 MedigapSeminars.org
Medicare Plans Mini-Course Part 1: What is Medicare Advantage?
 
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Watch Part Two of the Medicare Mini-Course: http://medicare-mini-course.com/page/3/ Medicare Mini-Course Part Two answers the question, "What is Medicare Advantage?" There is a lot of confusion surrounding the Medicare Advantage program including the false belief that an Advantage Plan is a Medicare supplement. It is not. Medicare Advantage Plans are offered by private insurance companies under the guidance of The Centers for Medicare and Medicaid Services (CMS) as another way for you to receive your Medicare benefits. Enrolling in a Medicare Advantage Plan does not mean that you have left Medicare. You will instead receive all of your Medicare Part A and Part B benefits from the plan. Many Advantage Plans also include Medicare Part D drug coverage. And many plans include extra benefits that are not part of original Medicare such as dental, vision, hearing, transportation and gym memberships. To compare all Advantage Plans in your area visit: http://affordablemedicareplan.com/get-a-quote
Просмотров: 5398 David Forbes
Medicare supplement plans vs. Medicare advantage plans
 
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-------- Click link ----- http://Medigaplist.com Medicare supplement plans vs. Medicare advantage plans are a typical topic that people research for while using Google or Bing. In this video I talk about the difference between Medigap plans and Medicare advantage plans. Medicare supplement plans vs. Medicare advantage plans can be a confusing comparison because you are really talking about oranges and apples. Medicare supplement plans are always labeled with a letter like Medicare supplemental plan F or Medicare supplement plan G. The Medicare advantage plans will not have a letter label unless someone points out they are also called Medicare Part C. Medicare supplements vs. Medicare advantage plans are easy to compare because of the upfront payment or out of pocket costs when you use them. A Medicare supplemental plan F doesn't have any out of pocket costs and a Medicare advantage has all the out of pocket costs. The Medicare supplemental plan F might have a premium every month of $200 but doesn't have a co pay or deductible cost. The Medicare advantage plan might have a "0" premium but has an out of pocket cost of $6700 a year. Medigap plans are always known to be better coverage with no networks and the Medicare advantage plans are always cheaper. When you speak to AARP or Humana ask them if it is a Medigap plan F you are looking at or a Medicare advantage plan HMO or PPO. AARP, AARP drug plan, Actos, Alabama, Alaska, Altocor, Amturnide, Anthem, Arizona, Arkansas, Avandia, Aviane, best medicare Part D, best Medigap plans, best Medigap plans in Colorado, best Medigap rates, Black Forest, Boulder, Broomfield county, California, cheapest medigap plan F, Chipita Park, Cigna, Cimarron Hills, Co Springs, Colorado, Colorado Springs, Connecticut, Crestor, Delaware, Delta Dental, Denver, drug plans, Florida, Georgia, Hawaii, Heartland Medigap Plan F, Idaho, Illinois, Indiana, inexpensive Medigap plan G, Iowa, Jefferson County, Kansas, Kentucky, lisinopril, list of Medigap, list of Medigap choices, list of Medigap companies, list of Medigap insurance companies, list of Medigap insurance costs, list of Medigap insurance plans, list of Medigap insurance rates, list of Medigap parts, list of Medigap plans, list of Medigap prices, list of Medigap rates, Louisiana, lovastatin, Maine, Maryland, Massachusetts, Medicare, Medicare beneficiaries, Medicare PArt A, Medicare Part B, Medicare part C, Medicare Part D, Medicare Plan C, Medicare Plan F, Medicare Plan G, Medicare Plan N, Medicare supplement plan A, Medicare supplement plan B, Medicare supplement plan C, Medicare supplement plan F, Medicare supplement plan G, Medicare supplement plan J, Medicare supplement plan N, Medigap, Medigap companies, Medigap insurance costs, Medigap list, Medigap plan A, Medigap plan B, Medigap plan C, Medigap plan D, Medigap plan F, Medigap plan G, Medigap plan K, medigap plan L, Medigap plan M, Medigap plan N, Pennsylvania, Pueblo, Pueblo County Colorado, Rhode Island, simvastatin, South Carolina, South Dakota, Tekamlo, Tekturna, Tennessee, Texas, Utah Vermont, Valturna, Virginia, Washington, West Virginia, Wisconsin, Wyoming, Michigan, Minnesota, Mississippi, Missouri, Montana, Mutual of Omaha, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Obama, Obamacare, Ohio, Oklahoma, Oregon, Crestor, United healthcare Part D, Dental insurance
Просмотров: 5313 Brian Monahan
Medicare Plans Mini-Course Part 5: What Is Medigap And How Does It Work?
 
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Watch Medicare Mini-Course Part Six: http://medicare-mini-course.com/page/7/ This video answers the question, "What is Medigap and how does it work?". Medigap is the official term for Medicare supplement. A Medicare supplement is an insurance policy that is offered by a private insurance company to help pay some of your expenses for services covered by Medicare. Medicare supplements are standardized plans that are designated by letters such as Medicare supplement Plan F or Medicare supplement Plan G. The are 10 standardized supplements and a high deductible version of Plan F. Legislation is set to alter the Medicare supplement offerings in 2020. The change that garners the most attention is the elimination of the most comprehensive Medicare supplement, Plan F. To compare all plans visit: http://affordablemedicareplan.com/get-a-quote
Просмотров: 1902 David Forbes
Touchstone Health HMO 2014 Commercial - Harmon Slater
 
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Touchstone Health HMO's 2014 commercials feature real Touchstone Health members discussing the benefits and advantages of being enrolled in Medicare Advantage plans offered by the New York Medicare provider. "With Touchstone, I have no co-payment with my primary care doctor. When I go to pick up my medication from the pharmacy, I don't have to pay anything now, which I had to pay before. Now I'm bill-free," says Harmon Slater, a Touchstone Health Medicare member and commercial participant. "So it takes care of all the medication that I take. Touchstone helped me so much I don't have to pay as much money as I used to pay out of my pocket. So it all worked out!" Medicare's annual enrollment period is from Oct. 15 through Dec. 7, 2013. For seven weeks Medicare beneficiaries are able to make changes related to their Medicare Advantage plan (Part C) and Medicare Prescription Drug coverage. Medicare recipients can review their options as well as make unrestricted changes to their coverage options. Y0064_H3327_THPSMK_2084 Accepted Touchstone Health HMO is a Medicare approved Health Maintenance Organization with a Medicare Advantage Prescription Drug contract with the federal government and the New York State Medicaid program. Touchstone Health is an HMO plan with a Medicare contract. Enrollment in Touchstone Health depends on contract renewal.
Просмотров: 288 TouchstoneHealth
Turning 65? Answers to Common Medicare Questions
 
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Turning 65? Here are a few of your Medicare questions we can answer. Click SHOW MORE for time stamps How do I know which Medicare plan is right for me? When should I enroll in Medicare? Should I have the same plan as my spouse? How much does Medicare cost? Does Medicare cover (fill in the blank)? Are dental and vision benefits available with Medicare? Does Medicare cover me while out of the country? What is a Medicare Advantage plan? Where do I find a Medicare plan that does not charge me a premium? What is the difference in Medicare supplement and Medigap? Is Medicare supplement plan F the best plan for me? 0:15 Answers to ALL your questions Original Medicare has 4 parts. Medicare Part A covers hospital inpatient charges and has a per admission deductible Medicare Part B is for outpatient health care treatment. Doctor visits, labs, X-rays, MRI, CT scan (CAT scan), ambulance, ER, outpatient clinics, etc. Essentially any Medicare approved health care received outside the hospital setting. Treatment considered medically necessary under Medicare guidelines. Medicare Part B has a calendar year deductible. Once satisfied, Medicare pays 80% of the approved charge, you are responsible for the remaining 20%. Most seniors worry about hospital stays, but your major expenses will more than likely fall under Medicare Part B outpatient expenses. Original Medicare stand alone has no cap on your out of pocket expenses. You pay until you run out of money, get well or die. Medicare Part C is now referred to as Medicare Advantage. More on that later. Medicare Part D covers outpatient prescription drugs. Some Advantage plans have drug coverage built into the plan. 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. 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. Some cancer centers, such as Mayo Clinic and MD Anderson do not participate in Medicare Advantage plans. 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." 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 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. I doubt you can stump me by asking a question that has never come up before. Go ahead and try. Are you feeling lucky? You have Medicare questions? We have answers. No selling . . . ever Instant GA Medigap Quote FREE Medicare supplement rate report available on request. Call (404) 252-5859 to speak with Bob Vineyard. I will answer your Medicare questions. Never any charge. 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 To learn about the history of Medigap visit: https://en.wikipedia.org/wiki/Medigap For more information about common Medicare questions visit: https://www.georgia-medicareplans.com/answers-to-common-medicare-questions/ Turning 65? Answers to common Medicare questions.
Просмотров: 32 Georgia Medicare Plans
Medicare Advantage Plan or Medicare Supplement, Which one is for me?
 
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What is Medicare? Medicare is insurance offered to people that are 65 or older and to people that have certain disabilities. There are two parts to Medicare, Medicare Part A and Medicare Part B. Medicare Part A is what you use when you enter the hospital or a Skilled Nursing Facility. Medicare Part B is what you will use for your medical and Doctor bills. How much does Medicare cost per month? Most people will only have to pay a monthly premium for Medicare Part B. The current Part B Premium for most people is $121.80 per month. What will I have to pay when I use Medicare? Medicare Part A: When you go to the hospital you will have to pay the first $1,288.00 for each benefit period. When you enter a Skilled Nursing Facility, you will have to pay $161.00 per day starting day 61. Medicare Part B: You will have to pay the first $166.00 per year for medical and Doctor bills, then Medicare will step in and pay 80% of your bills. Please note, that there is no max out of pocket for the 20% that you have to pay. What are my coverage options for Medicare? It may feel like you have a hundred different Medicare coverage options, however you really only have 2. All of those options fit into 1 of 2 types of coverages. Medicare Advantage Plan Medicare Supplement Plan (Also called a "Medigap Plan") Every option that you are reviewing online, or getting plan information fits into one of the above, it is either a Medicare Advantage Plan or a Medicare Supplement Plan. Understanding which type of coverage you want is the first step and it will make choosing your actual Medicare Plan much easier. What is a Medicare Advantage Plan? A Medicare Advantage Plan is not a Supplement Plan, it is a private alternative to Medicare. A Medicare Advantage Plan will not pay the bills that Medicare would normally pay, instead a Medicare Advantage Plan will charge you a different deductible, different copays and different co-insurance compared to Medicare. Medicare Advantage Plan Summary: Low monthly premium. (Sometimes advertised as $0.00 per month) You will usually have to pay a fee every time you use the plan. ($15.00 copay for PCP visit, $300.00 per day each day you are in the hospital, etc...) You have to go to certain Doctors, Hospitals and Providers. (HMO or PPO Network) You will have to get prior authorizations for some procedures. You will have to get referrals to go see a specialist. What is a Medicare Supplement Plan? A Medicare Supplement Plan will be the best coverage you have ever had in your life. If you go to the hospital your Medicare Supplement Plan will pay the $1,288.00 that Medicare does not pay. When you go to the Doctor, get lab work or even a surgery - Medicare will pay 80% and your Medicare Supplement Plan will pay the other 20%. With a Medicare Supplement Plan, you will pay more per month but you are paying for: Flexibility - You can go to any Doctor that accepts Medicare and you do not have to get prior authorizations for procedures. Predictability - You know that as long as you pay your monthly premium, You will rarely have a bill that you have to pay. (My favorite Medicare Supplement Plan is G. With Plan G, all you pay is the Part B Deductible) So which type of coverage is best for you? Ask yourself this question: "If I chose a Medicare Supplement Plan, and I pay $120.00 per month, and I have a good year with my health, let's say I didn't really use the Supplement Plan that much - Would I consider that $120.00 per month a waste of money or becausej I am 65 or older, and I am more likely to use my health insurance in the next 5 years compared to the last 5 years, the $120.00 per month is a cost of living?" Waste of money - If you chose a "waste of money", and you do mind being told what Doctors you can go too, then you are a "Medicare Advantage Plan person". Click here for a guide on how to choose the right Medicare Advantage Plan. Cost of living - If you chose "cost of living" then you are a "Medicare Supplement Plan person". Click here to learn more about Medicare Supplement Plans. (Also called, "Medigap Plans") This content is how I , Robert Bache "MedicareBob" explain Medicare. I do not work for Medicare, but If you want more specefic information you can contact me: Robert@SrHealthcareDiret.com or visit Medicare's website: Sources: Medicare Part A: https://www.medicare.gov/what-medicare-covers/part-a/part-a-coverage-skilled-nursing-facilities.html Medicare Part B: https://www.medicare.gov/what-medicare-covers/part-b/what-medicare-part-b-covers.html Medicare Advantage Plans (Medicare Part C): https://www.medicare.gov/what-medicare-covers/medicare-health-plans/medicare-advantage-plans-cover-all-medicare-services.html Robert Bache MedicareBob Medicare Bob
Просмотров: 20896 Robert Bache