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Medicare Made Clear {2018}  - All You Need to Know About Medicare
 
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Medicare Made Clear {2018}- All You Need to Know About Medicare. Complete Medicare Resource Center here: http://www.medsupsavings.com/ 877-88KEITH (53484) Best Medicare Supplement Plan: https://www.youtube.com/watch?v=4xUu2mM0aM4 Medicare Part D - Drug Coverage https://www.youtube.com/watch?v=jAxTxSg_dBI&t=6s Part D Penalty Video https://www.youtube.com/watch?v=iDXAhEi1Sd0&t=1s Video Sections: 08:33 Getting Ready for Medicare 10:55 Medicare Options 14:35 Part A 21:44 Part B 30:38 Part C 35:05 Part D Drug Plan 37:29 Medicare Supplement Plans 40:44 Enrollment Windows 42:01 Switching Plans edicare Made Clear Makes It Easy for You to Understand Medicare Options Medicare Made Clear is an health plan imitative by United Healthcare. It includes easy understanding information about Medicare and healthcare options available to you. As an information guide it offers comprehensive insight about healthcare coverage options through Medicare. The Medicare program is complex and this guide helps reduce fears and feelings of confusion in understanding coverage options available. A Good Place to Start Learning about Medicare Options Millions of seniors benefit from the federal government healthcare program Medicare. People qualify for coverage at age 65 or if they have a disability. The program offers different options to help you receive health care. Using an informative guide such as Medicare Made Clear can assist in understanding how your health care needs will be met. The guide is useful for people on any budget. There are details that can help you choose a plan for yourself, spouse or loved one you are helping to care for. What Information Do You Learn about Medicare? The guide answers a wide variety of questions about the Federal government health coverage program. The guide breaks everything down by offering definitions, descriptions, video tutorials, and an overall view of what Medicare can do for you. The following points offer a basic summary of what you will learn using Medicare Made Clear. • Differences between Medicare plans. Medicare offers 4 parts including Part A, Part B, Part C, and Part D. Each part provides coverage for health care including hospital stays, doctor’s visits and prescription drug medicines. Learn which part is best for you and your needs. • What you need to know before enrolling. The guide provides multiple things you should know about Medicare including plans through private companies, how they work, and services covered. • Differences between Part A and Part B. These parts often lead people to asking all sorts of questions about what they cover. Part A is hospitalization and Part B covers doctor services. Learn about services covered and which one has a monthly premium you need to pay. • Detailed overview of Medicare Advantage or Part C. This plan allows individuals to choose a plan through a private company approved by Medicare. This gives people an option to bundle different services together including preventative care and prescription medications. • Detailed overview of Medicare prescription drug coverage, also known as Medicare Part D. Parts A and B do not offer drug coverage. There is a deadline that applies for this coverage you will learn about. Plus, there are different coverage options you can choose from and get details on when it is the best time to enroll. • Medicare supplement plans aka Medigap. Medicare provides about 80 percent of health care coverage. This supplement option is another plan you can purchase to cover expenses not covered by Medicare. This gives you protect as it relates to “gaps” in your coverage. • Additional information you will learn includes how to choose a Medicare plan, how to save money with your plan, basics relating to Medicare and retirement and much more. ================================================== 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: 113851 Keith Armbrecht
Best Medicare Supplement Plan - How to Find the Best Medicare Plan
 
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Best Medicare Supplement Plan. Complete Medicare Resource Center here: http://www.medicareonvideo.com 877-88KEITH (53484) Best Medicare Supplement Plan: https://www.youtube.com/watch?v=WGqCGQNF5mw Medicare Plan N - https://www.youtube.com/watch?v=vORbZsWDrzg Best Medicare Supplement Plan 2017 and How to Find the Right Option for You The best Medicare supplement plan 2017, also known as Medigap policies, will help you get the most coverage when used with your Medicare healthcare insurance plan. Since there are so many options it can be challenging to find the right one for your needs. Beneficiaries can do their homework to find the best options and to understand how they work with their healthcare plans. Most who apply will choose from standardized policies with specific details to pay attention to. Beneficiaries in Massachusetts, Minnesota, and Wisconsin have different regulations in place affecting how their policies are standardized. Why Are Supplement Plans Standardized and What Makes Them Unique? When seeking the best option to accompany your Medicare program healthcare insurance, it is important to understand these details. The standardized policies have provisions to help protect patients. The policies must meet regulations set by federal and state standards. Such standards help define it as Medicare supplement insurance. The policy is identified by its letter (A through N). Most policies offer the same protection but some offer more than others. Insurance companies provide options to beneficiaries regarding supplement policies to offer. There are a few things to keep in mind when finding best Medicare supplement plan 2017 to consider. Insurance companies offering them have regulations by the state to follow. The company may not be obligated to sell each type of supplement policy. The company is obligated to provide Plan A when giving other policy options. They should provide Plan C or Plan F when other plans are offered. Supplement polices may provide coverage for coinsurance if you have paid the deductible. In some cases the supplement policy provides coverage for the deductible. Tips for Comparing Best Medicare Supplement Plans 2017 There are various sources online people can use to compare their options. It is important to use credible options that provide detailed information about Medigap policies. Seek websites providing in-depth information on healthcare coverage options including Medicare, Medicaid, and other forms of health coverage that work with supplement policies. There are several aspects to compare that can help you understand how to cut down your options to focus on. When comparing plans take notes on what the plan covers and up to what percentage. Some plans may offer up to 100% coverage. Pay attention to services and benefits the plan offers. Learn each part the policy offers and what coverage is available. If you have Medicare Part A or Part D, compare services they cover and how much the supplement policy will pay. Some policies have a high-deductible and you may be required to pay up to a certain amount in a calendar year before your supplement policy kicks in. Services to pay attention to in regards to supplement policy options include hospital costs, hospice care, and care from skilled nursing facilities. Pay attention to doctors and hospitals in your network. There are trusted health news organizations offering there take on good Medicare supplement plans based on star ratings and in-depth comparisons. ================================================== 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: 61800 Keith Armbrecht
What Are The Best Medicare Supplement Plans (Medigap) In 2019?
 
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Best Medicare supplement plans. Get a free quote: http://medicaresavingscenter.com or call 800-208-4974. This video explains what the best Medicare supplement plans are in 2019. In 2019, the best Medicare supplemental insurance plans are plan F, G and N. Plan G is the #1 plan with plan N and F as runner ups. If you are in CA or another state that has a birthday rule, then going with Plan F to start is usually a good idea. Please refer to my video about Medicare supplement plans in California if you are a resident there. The lower rates and most importantly lower rate increases on Plan G and N make these plans far more superior over Plan F. In almost every case the premium difference between F and G more than covers the only benefit difference which is $183 for the year. For example, the most you would pay out of pocket for the year with Plan G is $183 and the premium difference between F and G is almost always more than $183, thus saving you money. The best way to save money is to allow us to shop the rates for you and ensure you will not be overpaying for your supplement plan. IN addition, by being one of our clients you will have the benefit of annual rate reviews to ensure you will not be in the situation in the future where you are overpaying! As the rates go up over time, the best defense is a broker (us) who will shop the rate each year. Call us at 800-208-4974 for a FREE quote comparison. Our service is always free and the rates are exactly the same weather you go direct to the company or work with us. Also you can visit our website at http://www.medicaresavingscenter.com for a free quote comparison. ------------------------------------------------------------------ Our website: http://www.medicaresavingscenter.com Subscribe To Our YouTube Channel: https://www.youtube.com/channel/UCQ_yu7GyDaUjm4Owrmx5QZg?sub_confirmation=1 Medicare Supplement Insurance FAQs: https://www.youtube.com/playlist?list=PLhENX2SJv7Mvs25UqBDcPpHPCR4TA6tLM __________________________________________ Related Keywords: Best Medicare Supplement plan in 2019 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 g 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 plan Best Medicare Supplement Washington Washington Medicare Supplements California Medicare Supplements Medicare Supplements New York Medicare Supplements Idaho Medicare Supplements Oregon 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 best medicare supplement tennessee what is the best medicare supplement plan best medicare supplement plans review best medicare supplement plan Minnesota 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
Просмотров: 29903 Medicare Savings Center
What is Medigap Insurance and Do You Need It?
 
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Get Medigap Help: https://www.remedigap.com or call 888-411-1329 In this video, I'll explain how Medigap works, how you're responsible for the 20% Medicare won't cover. I'll also provide a case study on someone who needed to get Medigap - but waited too long and was unable too due to a health issue. ---- Medicare only covers 80% of your healthcare costs, leaving you with the remaining 20% coinsurance with no out of pocket maximum. The entire 20% is your responsibility and doesn’t reset at the beginning of the year. I’ll tell you how Medigap works to protect you from that 20% coinsurance so you can make informed decisions about your benefits. So, what is medigap insurance and do you need it? Whether or not you need Medigap insurance is a personal decision and definitely an important one as Medicare only covers 80% of your healthcare costs. And because Medicare doesn’t have an out of pocket limit, the remaining 20% can continue to grow leaving you financially vulnerable. And, no one wants to be in a vulnerable position - especially when it comes to your money. Most people are used to coinsurance. You probably had it at some point. But the main difference between your under age 65 health insurance and Medicare is the out of pocket limit -- which Medicare doesn’t have. Now, If we take a look at the average person visiting the doctor a Medicare Part B claim might be $100. Medicare pays 80% of that...so, $80 and you pay $20. You might be thinking, “no big deal”. A few doctor visits a year isn't going to break the bank. And that’s true for many people. But you need to take two things into consideration -- #1 You don’t know what the future holds in terms of your health. #2 Medicare doesn’t have an Out of Pocket limit. This is where Medigap insurance comes into play. Medigap is private insurance that’s meant to fill in the gaps of what Medicare doesn’t cover - such as the 20% coinsurance. And, The most popular plans F, G, and N will cover that 20% coinsurance...offering you financial protection and peace of mind. When you first enroll in Medicare, you get a one time use it or lose it opportunity and it’s called a Medigap Open Enrollment Period. This is when you can put a Medigap plan in place without answering any health questions or go through medical underwriting. So, if your Part B effective date is February 1, the Medigap Open Enrollment period allows you to buy a plan and have it begin in Feb, Mar, Apr, May, Jun, or Jul...it’s an important 6 month window, because when it closes -- it can’t be reopened. Why is that so important? Think back to that 20% coinsurance. If you decide to not add a Medigap plan during your Medigap Open Enrollment period, then you leave yourself financially vulnerable. And, If you decide to add a Medigap plan later when something happens, it just might be too late. After 6 month window closes, you have to answer the health questions and get approved by the insurance company’s medical underwriting department. So there’s no guarantee that a policy will be yours. You’ve now put the decision making in the hands of the insurance company. So, are you still wondering what is medigap and do you need it? If so, make sure to watch this video. The good news is you don’t have to make a decision right this very second. In fact, you might want some more information or even some more guidance. So, I have more good news,you don’t have to look very far, because help is right in front of you...hello! Give me a call or send me an email if you prefer and I’ll get your questions answered and help move you through the process. Call us for a free consultation at 888-411-1329 or visit our website at https://www.remedigap.com.
Просмотров: 8310 REMEDIGAP
Medicare's Preventive Benefits - What is Covered
 
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Important information about the preventive benefits Medicare covers. To see all of the items covered by Medicare, visit this link: https://www.medicare.gov/coverage/preventive-and-screening-services.html For help with finding a Medicare Supplement plan, call us 24 hours at 1-800-729-9590 or visit: http://SeniorSavingsNetwork.org Medicare, Medicaid, CMS, Healthcare, Health Care, Beneficiaries, Providers, eHealth,medicare.gov, Abdominal aortic aneurysm, screening, Alcohol, bone, cardiovascular disease, heart disease, cervical, cancer, vaginal, colorectal, depression, diabetes, glaucoma, HIV, AIDS, mammograms, nutrition services, obesity, counseling, Welcome to Medicare, physical, prostate, STI, sexually transmitted, shot, vaccine, flu, hepatitis, hepatitis B, pneumococcal, tobacco, smoking, wellness Also watch: https://www.youtube.com/watch?v=3ljyLlaDUEU I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Просмотров: 7475 Christopher Westfall
Veterans Benefits & Medicare-What You Need Too Know
 
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Go To http://www.InsuredMeds.com for FREE Quotes & Info Veterans Benefits & Medicare Medicare Part B & VA Coverage: • You can have both Medicare and Veterans Affairs (VA) benefits. However, Medicare and VA benefits do not work together. Medicare does not pay for any care that you receive at a VA facility. • In order for Medicare to cover your care, you must receive care at a Medicare-certified facility that works with your Medicare coverage. • In order for your VA coverage to cover your care, you must generally receive health care services at a VA facility. • Medicare Part B and VA Coverage: Many veterans use their VA health benefits to get coverage for health care services and items not covered by Medicare, such as over-the-counter medications, annual physical exams, and hearing aids. However, you may want to consider enrolling into Medicare Part B (medical insurance), even if you have VA coverage. Part B may cover services you receive from Medicare-certified providers and provide you with medical coverage outside the VA health system. In addition, if you do not enroll into Part B when you are first eligible to do so, you will most likely incur a Part B premium penalty for each 12-month period you were without Medicare Part B coverage. In addition, you may also experience gaps in coverage. Medicare Part D & VA Coverage: • Some veterans only use their VA drug coverage to get their medications, since VA drug coverage may offer more generous prescription drug coverage than Medicare Part D, the Medicare prescription drug benefit. Since VA drug coverage is considered creditable, meaning it is as good as or better than the Medicare prescription drug benefit, you can delay enrolling into Medicare Part D without penalty. If you do lose VA drug coverage, make sure you enroll into a Part D plan within 63 days of losing your VA benefits. • Note that although you can have both Medicare Part D and VA drug coverage, the two do not work together. VA benefits only cover the drugs you get from VA pharmacies and Part D plans usually only cover drugs you get from pharmacies that are within the plan’s network. • You may want to join a Part D plan in certain situations. You may want to enroll in a plan if you move into a nursing home outside of the VA health system and need coverage for medications from the nursing home pharmacy. You may also want to enroll in a Part D plan if you qualify for Extra Help, the federal assistance program that helps people with Medicare afford their Part D drug costs. If you have questions about VA benefits and coverage, contact the VA Health Administration Center at 1-800-733-8387 or 1-877-222-VETS (877-222-8387). Drugs Not Covered By Medicare: • Drugs for: • Anorexia, weight loss or weight gain (except to treat physical wasting caused by AIDS, cancer or other diseases) • Fertility • Cosmetic purposes or hair growth • Relief of the symptoms of colds, like a cough and stuffy nose • Erectile dysfunction • Prescription vitamins and minerals (except prenatal vitamins and fluoride preparations) • Non-prescription drugs (over-the-counter drugs) • Note: Prescription drugs used for the above conditions will not be covered by Medicare Part D. However, they may be covered if they are being prescribed to treat other conditions. For example, prescription medications for the relief of cold symptoms may be covered by Part D if prescribed to treat something other than a cold—such as shortness of breath from severe asthma—as long as they are approved by the United States Food and Drug Administration (FDA) for such treatment. • • You may also receive a denial from your Part D plan stating that your drug does not meet DESI standards. The FDA’s Drug Efficacy Study Implementation (DESI) evaluates the effectiveness of those drugs that had been previously approved on safety grounds alone. Drugs that are found to be less than effective by DESI evaluation are excluded from coverage by Part D. We offer plans to cover what Medicare Doesn’t • We offer both Medicare Advantage & Medicare Supplements that cover the Medicare deductibles and co-pays. • We represent the top Medicare insurance companies. • Still Confused? • Go to our website http://www.InsuredMeds.com • or eMail me your question to InsuredMeds@gmail.com • or call me at 845-380-5809 InsuredMeds.com is an independent Health,Medicare, Life, Final Expenses insurance specialist. We work for you not the insurance companies to get you the best prices and insurance protection. IMC
Просмотров: 4605 InsuredMeds.com
Health Insurance Explained – The YouToons Have It Covered
 
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This cartoon explains health insurance using fun, easy-to-understand scenarios. It breaks down important insurance concepts, such as premiums, deductibles and provider networks. The video explains how individuals purchase and obtain medical care and prescription drugs when enrolled in various types of health insurance, including HMOs and PPOs. This is the third YouToons video written and produced by the Kaiser Family Foundation. The video is narrated by former U.S. Senate Majority Leader Bill Frist, a nationally-recognized surgeon and Foundation trustee. Also available in Spanish: http://youtu.be/mDPhCo11z0E To download the video, please visit: http://www.kff.org/youtoons-health-insurance-explained
Просмотров: 336597 Kaiser Family Foundation
Insurance Tips & Facts : How Medicare Affects Your Health Benefits Coverage
 
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Medicare is a government-sponsored program that provides low-cost health insurance coverage. Typically, additional coverage is required on top of Medicare in order to cover all medical bills. Learn about Medicare supplement plans with information from a financial adviser and insurance broker in this free video on health insurance. Expert: John Pinelli Bio: John Pinelli is a financial representative. Filmmaker: Bing Hugh Series Description: Find low-cost family health insurance by shopping for HMO plans, seeing if the family qualifies for Medicaid and checking out government programs that may provide health care coverage for children. Get low-cost health insurance that has a high deductible and more with insight from a financial adviser and insurance broker in this free video series on health insurance.
Просмотров: 300 ehowfinance
The real reason American health care is so expensive
 
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Hint: single-payer won’t fix America’s health care spending. Subscribe to our channel! http://goo.gl/0bsAjO Americans don't drive up the price by consuming more health care. They don't visit the doctor more than other developed countries: http://international.commonwealthfund.org/stats/annual_physician_visits/ But the price we pay for that visit - for a procedure - it costs way more: http://static1.squarespace.com/static/518a3cfee4b0a77d03a62c98/t/57d3ca9529687f1a257e9e26/1473497751062/2015+Comparative+Price+Report+09.09.16.pdf The price you pay for the same procedure, at the same hospital, may vary enormously depending on what kind of health insurance you have in the US. That's because of bargaining power. Government programs, like Medicare and Medicaid, can ask for a lower price from health service providers because they have the numbers: the hospital has to comply or else risk losing the business of millions of Americans. There are dozens of private health insurance providers in the United States and they each need to bargain for prices with hospitals and doctors. The numbers of people private insurances represent are much less than the government programs. That means a higher price when you go to the doctor or fill a prescription. Uninsured individuals have the least bargaining power. Without any insurance, you will pay the highest price. For more health care policy content, check out The Impact, a podcast about the human consequences of policy-making. https://itunes.apple.com/us/podcast/the-impact/id1294325824?mt=2 Vox.com is a news website that helps you cut through the noise and understand what's really driving the events in the headlines. Check out http://www.vox.com to get up to speed on everything from Kurdistan to the Kim Kardashian app. Check out our full video catalog: http://goo.gl/IZONyE Follow Vox on Twitter: http://goo.gl/XFrZ5H Or on Facebook: http://goo.gl/U2g06o
Просмотров: 2512886 Vox
What Does Medicare Part B Cover And What Are The Part B Costs?
 
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Call (888) 310-0376 to Get Quotes on Top Rated Medicare Plans. Get Instant Access http://free-mini-course.com In this video I answer the question, "What does Medicare Part B cover?" I also discuss when you should sign up for Part B and why your Medicare Part B premiums may be higher than expected. Part B is outpatient coverage and will help pay for medically-necessary: Doctor's services Outpatient care Home health services Durable medical equipment Preventative care For a complete list of what Part B covers, check out your Medicare & You Handbook that you receive annually. Most Part B services require that you pay 20% coinsurance after you have met the annual deductible. You pay monthly premiums as well that are now tied to your annual income. Most people receive Part B automatically, but there are times that it's wise to delay coverage. In certain circumstances if you or your spouse is still employed and you are covered by an employer or union group insurance policy, you may want to delay coverage. If you would like to compare Medicare Supplement insurance vs Medicare Advantage, get my 8 Part Video Mini-Course. It will unlock the information you need to choose the best plan for your circumstances. Get Instant Access http://free-mini-course.com
Просмотров: 18642 David Forbes
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: 5164 REMEDIGAP
Medicare Supplement Plans 2019 | What Do I Need to Do?  Christopher Westfall
 
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http://SeniorSavingsNetwork.org 1-800-729-9590 2019 Medicare Supplement Plans | What Do I Need to Do? If you are on a Medicare Supplement plan, this end-of-the-year Medicare season has nothing to do with you, except for the need you have to shop your drug plan. Medicare Supplements (not to be confused with Medicare "Advantage" plan), do not change benefits and you cannot be canceled from such a plan. Your Medicare Supplement, whether Plan G, Plan F, Plan N, etc. will remain with the same benefits as when you signed up. What can change? The rates. If you are notified of a rate increase, you can shop your Medicare Supplement plan ANY time of the year, not just in October, November, or December of each year. You are in complete control and there is not a "season" for shopping Medicare Supplement plans. Medicare Advantage plans change every year and it is critically important that you shop those plans during the small, eight-week period of the "Annual Election Period." We do not specialize in these plans due to their complexity and the number of problems we have seen with senior clients on these, sometimes "free"/no premium HMO plans throughout the country. My Medicare Supplement shopping service is 100% free. If you would like to know the BEST plans available where you live, please call me at 1-800-729-9590. You can actually call 24 hours a day here. We will get you the best, unbiased, independent rate information customized for what you qualify for, which is far different than just giving you a "quote engine" and having you look at companies that might not even be available for you, given, your health qualifications, etc. If you would like to NOT have to become and insurance agent in order to figure out the best plan and you would like some behind-the-scenes help from an agency who has helped thousands of clients in 46 states over the past 25 years, please call my office. There is no charge for my help. How? The same way there is no charge for your auto insurance agent's help, or homeowner's insurance agent. We work the same way. By being independent, we work for our client, not the insurance company. This way, we keep your best interest in mind when shopping the market. We will show you all of the available companies, then make a recommendation based on our actual experience with those companies in your market. This experience is priceless in the selection process. Please let me help you. http://SeniorSavingsNetwork.org 1-800-729-9590 Christopher Westfall Medicare help More helpful videos: https://www.youtube.com/watch?v=bmU0KdQuxbU&list=PL9io3Cp5sglCDzPtiKBsNDMPbqfFJSsvE I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Просмотров: 18604 Christopher Westfall
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: 6140 Keith Armbrecht
How to get more benefits from your Medicare and Medicaid coverage
 
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UnitedHealthcare Dual Complete® is a Medicare and Medicaid plan for people who are dual eligible. UHCCommunityPlan.com Dual eligible means you can have both Medicare and Medicaid at the same time. If so, you can most likely also qualify for a dual health plan. With a dual plan, you’ll keep your Medicaid benefits, and you could get more benefits than Original Medicare at no extra cost. To see the dual plans available where you live — and the benefits you could get — please visit UHCCommunityPlan.com. Or call toll free: 1-844-560-4941 TTY: 711, 8 a.m. - 8 p.m. local time, 7 days a week. Se habla español.
Просмотров: 8089 UnitedHealthcare Community Plan
What is Medigap and What Do Medigap Plans Cover?
 
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Wondering what is Medigap? In this video, we explain what Medigap plans are, how they work, what they cover, and why it’s so important not to miss your one-time Medigap open enrollment window. When you turn 65 and you begin using your Medicare benefits, you’ll notice that your medical services aren’t free. You’ll have inpatient and outpatient deductibles to pay as well as copays for things like visits to the doctor. The most expensive thing that you also must pay is your coinsurance. Medicare Part B only pays for 80% of your expenses. This leave you paying the other 20% for things like labwork, diagnostic imaging, medical supplies and even big-ticket items like outpatient surgery or chemotherapy. What’s really concerning is that there no cap our out of pocket limit on that 20%. You pay it forever with no stopping point. Paying 20% of the cost of a surgery or dialysis could be financially devastating. Fortunately, there’s a way for you to protect yourself against those future expenses, and that is by signing up for a Medigap policy during your Medigap open enrollment window. What Medigap Plans Are A Medigap plan, sometimes called a Medicare supplement plan – same thing – is a supplemental health insurance policy that fills in the gaps in Medicare’s coverage. Here’s how it works: Your medical provider bills Medicare for your healthcare services that you received. Medicare processes your claim and pays it share, minus any deductibles and coinsurance that you would normally be responsible for. Medicare then sends the remainder of that bill onto your Medigap policy which will then kick in to help you pay for some of those deductibles, copays and coinsurance that would normally be your responsibility. What Medigap Plans Cover There are currently 10 standardized Medigap plans available in all states except Minnesota, Massachusetts, and Wisconsin, where plans are slightly different. But most of you will have these 10 plans to choose from, and each plan covers a different set of benefits. The most comprehensive plans, like Plan F and Plan G, leave you with little to nothing out of pocket. There are also less comprehensive Medigap plans like Plan N with lower premiums that pay for some of your gaps and leave others for you to pay. This gives you the ability to choose a plan that has the right price and the right benefits for you. Because the federal government standardized Medigap plans in most states, you can shop the plans in your area based on price. For example, the benefits for a Plan G policy are the same no matter which insurance company you purchase it from. Here at Boomer Benefits, when we provide quotes for our clients, we quote all the insurance companies in their zip code, and in addition to their current rates, we also look at their rate increase history. This helps us narrow down to the insurance company that is the perfect choice for that client. Your One-Time Medigap Open Enrollment Window Everyone gets a 6-month open enrollment window to enroll in any Medigap plan they want. This window starts with your Part B effective date, and it is a “use it or lose it” window. This can be really important if you have some serious health conditions. You’ll have this one opportunity to buy a Medigap plan with no underwriting and no health questions asked. Sometimes we meet people who tell us that they were pretty healthy when they turned 65, so they failed to exercise that one-time chance to get any Medigap policy they wanted. They thought that they would just wait until they get sick, and then they would buy the Medigap policy. Unfortunately, it doesn’t work like that in most states. If you miss your open enrollment window, you can still apply for a Medigap plan later on, but they don’t have to accept you. They can turn you down for health conditions. This would leave you paying that 20% out of pocket on your own indefinitely. For something like cancer when you would be paying 20% of the cost of chemotherapy or radiation costs, this can be financially devastating, so if you want Medigap coverage, be sure not to miss your window. If you have been contemplating whether to enroll in a Medigap plan or a Medicare Advantage plan, grab our guide here: Get the Guide about Medicare Advantage vs Medigap Plans: https://boomerbenefits.com/medicare-advantage-vs-medicare-supplement/ You can also check out our Youtube video on Medicare Advantage plans to learn more about them. New to Medicare? Attend our FREE Medicare 101 Webinar: https://boomerbenefits.com/webinars Get our FREE 6-Day Medicare Video Email course with bonus Medicare cost worksheet: http://boomerbenefits.link/mini-course Join our 50,000 Fans on Facebook: http://www.facebook.com/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Subscribe for NEW Youtube Videos whenever we publish them: https://www.youtube.com/c/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Просмотров: 410 Boomer Benefits
When to Sign Up for Medicare - Avoid a Delay in Coverage
 
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When to sign up for Medicare ** Questions** call or email (888-411-1329) joann@remedigap.com https://www.remedigap.com/ -- Request a free quote. https://www.remedigap.com/ecourse/ -- FREE Medicare eCourse. https://www.ssa.gov/medicare/ - Social Security #1 When to Sign up for Medicare - Initial Enrollment Period 1:09 It’s the most common enrollment period because everyone turning 65 is eligible to sign up for Medicare during this period of time. This is when you have to decide if you need /want Part A only or both Part A and Part B. Keep in mind, Part A is usually “premium free” if you worked and paid Medicare taxes (10 Years). So, most people will sign up for Part A during the IEP. However, Part B isn’t premium free, so there are some factors to consider when making your decision about Medicare enrollment in Part B. 1) Are you still covered under an employer sponsored group health insurance plan? 2) Are you covered under employer sponsored group health insurance, with an employer that has fewer than 20 employees? If so, Medicare generally pays first. And, your small employer would be the secondary payer. 3) Are you leaving your employer sponsored group health insurance and joining the employer’s retiree plan? 4) Are you ending your current health coverage when you turn 65…(either employer, Cobra, Affordable Care, etc.)? The decision to enroll in Medicare Part B is important, because when you apply for Part B, you activate your one time Medigap Open Enrollment Period. Once you know which Parts of Medicare you want, then you can apply for Medicare during your Initial Enrollment Period. This period begins three months before your birthday month, includes your birthday month, and the 3 months after your birthday month. When you sign up during the first three months or your Initial Enrollment Period, in most cases, your coverage starts on the first day of your birthday month. However, if your birthday is on the first day of the month, then your Medicare coverage will start the first day of the prior month. If you choose to apply for Medicare during the month you turn 65, or during the last 3 months of your Initial Enrollment Period, the start date for your Medicare coverage will be delayed. # 2 When to sign up for Medicare - Special Enrollment Period 6:45 The Special Enrollment Period is available when you stop working or your employer-sponsored health insurance ends. The Special Enrollment Period begins the month after the employment ends or the coverage ends (whichever happens first) and lasts for 8 months. Keep in mind, COBRA and Retiree Health Plans are NOT considered coverage based on current employment. So, you’re not eligible for the Special Enrollment Period when that coverage ends. # 3 When to sign up for Medicare - General Enrollment Period 7:55 The General Enrollment Period is only available from January 1 - March 31 every year, and your Part B coverage doesn’t start until July 1 of that year. When to sign up for Medicare - Bonus Information Bonus # 1 - Automatic Medicare Enrollment Most people who receive Social Security benefits, before turning 65, are automatically enrolled in Medicare. In most cases, you'll automatically get Part A and Part B starting the first day of the month you turn 65 or the month prior if your birthday is the 1st day of the month. If you receive your Medicare card but don't need (or want) Part B because you’re still covered under a group employer health plan, then you can return the card to Medicare. Bonus # 2 Medigap Open Enrollment Period The Medigap Open Enrollment Period is a one time enrollment opportunity that allows you to buy a Medicare Supplement plan without medically qualifying. It lasts for 6 months from your Part B effective date. Once the Medigap Enrollment period ends, in most cases, you’ll have to medically qualify for a Medigap plan. If you have a retiree health plan along with Part A and Part B, then you probably activated the Medigap Open Enrollment period and it’s no longer available. So, if you lose the Retiree Health Plan, you will have to medically qualify for a Medicare Supplement plan or exercise your Guaranteed Issue Right if it’s available to you. Bonus # 3 Medicare Part D (drug) Plan Enrollment You can sign up for a Medicare Part D drug plan during the following periods of time: Initial Enrollment Period Special Enrollment Period Annual Election Period (Oct 15 - Dec 7) When to sign up for Medicare is just the first step. There is plenty more to learn about Medicare. That’s why I created a free Medicare eCourse where you can take the next steps to learning about how to sign up for Medicare, enrollment penalties, Medicare Supplement insurance vs. Medicare Advantage Plans, and more. It’s one email a day over the course of a week, so you can learn on your schedule. Sign up here → www.remedigap.com/ecourse
Просмотров: 8721 REMEDIGAP
No Premium "FREE" Medicare Plans | You Get What You Pay For
 
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http://SeniorSavingsNetwork.org Have you been approached for a "free medicare plan" with no premiums? Please be careful. Very often, you get what you pay for. medicare advantage medicare advantage plan MAPD Plan no medicare premium plan free medicare plan zero monthly premium medicare plan zero premium medicare plan medicare supplement medigap supplement medigap I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Просмотров: 38648 Christopher Westfall
Medicare and the Health Insurance Marketplace and Medicare Coverage for Mental Health Services
 
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On November 25, 2014, SAMHSA and the Centers for Medicare and Medicaid Services (CMS) hosted a webinar about Medicare and the Health Insurance Marketplace. The discussion provided an overview on Medicare coverage for mental health services, including coverage for hospitalization, outpatient, and prescription drugs of coverage for mental health services. For more information, visit http://www.samhsa.gov/health-financing.
Просмотров: 633 SAMHSA
Compare Health Insurance Plans for 2019  Medical #Cost Shares and #Benefits #health #medical #hsa ⭕️
 
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You can find a side by side comparison of 2019 health plans on our web site: https://insurancecenterhelpline.com/health-insurance please subscribe to our channel for more videos! https://www.youtube.com/letstalkmoneychannel . If you are shopping for health insurance for year 2019, this presentation will help you see side by side comparison of various health plans and possibly help you decide what plan would work best for you and your family. Confused and have questions about: penalty for 2019, open enrollment to buy health insurance, deductible, copays, coinsurance, bronze, silver, gold and platinum plans, blue shield, Kaiser, VHP, Valley Health Plan, Anthem Blue Cross, United Healthcare, HealthNet, Oscar, Sutter Health, Delta Dental, dental and vision insurance etc. we can help answer all these questions!
Просмотров: 12768 Let's Talk Money Channel
Retirement Health Insurance Before Medicare
 
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What do you do when you retire before you are eligible for Medicare? To download your FREE 401(k) 10-Point Checklist For Baby Boomers visit: http://retirementplanningmadeeasy.com/401krollover Here's the problem: if you retire before you are eligible for Medicare, you have to find health insurance coverage. Here are 4 good options: 1. Consider COBRA if you are eligible. 2. See if your former group coverage has retiree health insurance up until age 65. 3. Consider a part time job with an employer that provides health insurance to part-timers. 4. Consider an individual health insurance policy under the new Obamacare guidelines. The best choice for you will depend on your situation. So check out all the options to see what works best for you. You can check out more of my videos and articles at: http://retirementplanningmadeeasy.com/ And to download your FREE 401(k) 10-Point Checklist For Baby Boomers be sure to visit: http://retirementplanningmadeeasy.com/401krollover Disclosures: Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Retirement Planning Made Easy / Tri-State Financial Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Retirement Planning Made Easy / Tri-State Financial Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc.
Просмотров: 7373 Retirement Planning Made Easy
How to Understand Medicare Plans
 
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http://www.MedicareMadeClear.com - Free video guide to Medicare Plans and Options including Medicare supplement information. Important Medicare insurance and health care answers for seniors, caregivers, the elderly and those approaching retirement. Y0066_101006_100449 File & Use 10112010
Просмотров: 422501 Medicare Made Clear
Senior Dental Plans - Also Vision and Hearing Coverage
 
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Senior Dental Insurance. 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 N - https://www.youtube.com/watch?v=vORbZsWDrzg Senior dental insurance can be a challenging task. Whether you are coming into Medicare or just need to find a dental plan it can be a bit confusing. Also including vision coverage and hearing coverage. Most coming off of a group plan likely had dental coverage, vision coverage and hearing coverage. The good news is that there are a couple of different options. You can choose from a discount dental plan which likely will include vision and hearing coverage or you can choose a PPO type dental plan. PPO type dental plans are offered through insurance companies and generally provide $1,000 or $1,500 in benefits per year. These plans will usually have a 6 month waiting period on major services if you have not had credible dental coverage in the recent past. This can pose a problem if you are in need of dental services in the near future. Discount dental plans can offer a very good benefit at a much lower premium. Discount dental plans offer pre-negotiated rates with dentist that can be 40%- 60% less that what you would pay without insurance. Discount dental plans can also offer vision coverage and hearing coverage. All without a waiting period. Premiums on these 2 choices can vary greatly. PPO plans will usually cost about $40 per person per month. Discount dental plans are close to $10 per month and you can add family members for less than that. It is very easy to get a discount dental plan. You can do everything yourself online without having to speak with anyone. To get the pricing and plan information for a discount dental plan that also include vision coverage and hearing coverage please visit: www.SeniorDental.info ================================================== 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/BigHealthGreatWe
Просмотров: 27080 Keith Armbrecht
The Truth About Medicare Supplemental Insurance Policies
 
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http://SeniorSavingsNetwork.org Dr. David Belk in California says that seniors don't need a Medigap (Medicare Supplement) policy. He is dead wrong, and millions of seniors would disagree. Here, Chris Westfall, a 20 year agent, shows some examples of why seniors need supplemental coverage to original medicare. Chris Westfall is licensed in 42 states as an independent Medicare insurance broker and has helped thousands of seniors across the country to determine the best value for their specific situation. Christopher does not work for any one insurance company and DOES NOT represent AARP plans. Instead, he offers the best value plans in the country. See: http://PlanGisBetter.com Christopher can be reached at 1-800-729-9590 Original story from: http://www.philly.com/philly/health/20100704_High_cost__rigorous_rules_can_trap_Medicare_patients.html Used with permission from the author. Dr. David Belk: FAIR USE: is a limitation and exception to the exclusive right granted by copyright law to the author of a creative work. In United States copyright law, fair use is a doctrine that permits limited use of copyrighted material without acquiring permission from the rights holders. Examples of fair use include commentary, search engines, criticism, parody, news reporting, research, teaching, library archiving and scholarship I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Просмотров: 18761 Christopher Westfall
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: 18123 Keith Armbrecht
Medicare Part D 2018 (Prescription Drug Coverage)
 
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Medicare Part D 2018 (Prescription Drug Coverage) 844-528-8688 Get Free Medicare Academy Video Course: https://mymedicaresupplementplan.org/medicare-academy-enrollment/ Call 1-844-528-8688 for FREE quote on your Medicare Supplement Medicare Part D has several moving parts, there is a premium, deductible (with some plans) and copay of some sort for your drugs after the deductible. You can get all the details here https://youtu.be/oKHq3H1IkF0 Every plan has different prices and costs but the main components are the same and the cost of the donut hole or coverage gap is universal across all Medicare Part D 2018 (Prescription Drug Coverage). The amount of the different stages are all set by Medicare and change every years. In 2018 Medicare Part D Plans the donut hole is less than in 2017 and that should continue for the next few years. You must remember that the amount of money spent during the initial phase is what you AND the Medicare Part D Plan spend. After that the amount spent to get out of the coverage gap is only what you spent (called True out of pocket), it has nothing to do with what the prescription drug plan has spent. _________________________________________________________________ **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 https://medigapinfo.net/ Facebook: https://business.facebook.com/medicaresolutionsteam
Просмотров: 4079 Medigap TV
Medicare Advantage Plans Pros and Cons
 
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Medicare Advantage plans are an alternative to Original Medicare and Medigap. Learn the PROS and CONS of this type of coverage. When you enroll in Medicare Advantage, you join a private Medicare plan that will pay your healthcare bills instead of Medicare. You agree to use the plan's network, and you'll pay for services as you go along. In this video, we share feedback from our own policyholders on the things they liked or didn't like about their Medicare Advantage plan. Be sure to check out this video before you enroll in any coverage. Get our FREE guide: Medicare Advantage vs Medicare Supplements: https://boomerbenefits.link/medigap-vs-ma-guide Boomer Benefits provides free claims support for life for all of our Medigap and Medicare Advantage policyholders so that you are never alone in dealing with Medicare. New to Medicare? Attend our FREE Medicare 101 Webinar: https://boomerbenefits.com/webinars Get our FREE 6-Day Medicare Video Email course with bonus Medicare cost worksheet: http://boomerbenefits.link/mini-course To learn about Medicare and Employer Coverage: https://boomerbenefits.com/new-to-medicare/medicare-and-employer-coverage/ Join our 40,000+ Fans on Facebook: http://www.facebook.com/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Subscribe for NEW Youtube Videos whenever we publish them: https://www.youtube.com/c/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ -~-~~-~~~-~~-~- Please watch: "What is Medigap and What Do Medigap Plans Cover?" https://www.youtube.com/watch?v=X9siD41Wi0Q -~-~~-~~~-~~-~-
Просмотров: 32638 Boomer Benefits
Dental Insurance for Seniors - 6 Great Coverage Options (2018)
 
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Every wonder why Medicare failed to include dental insurance for seniors? In this video, I'll explain why and we'll then we'll review 6 great affordable types of senior dental plans. Finding a suitable senior dental plans is easier than you think, and there are options for just about every budget as well. Watch this video to learn about: -Dental, vision and hearing plans for seniors -Individual dental insurance plans -Dental discount plans -Pre-paid dental plans -Medicare Advantage plans Get more info: https://boomerbenefits.com/dental-insurance/ Follow Boomer Benefits for more Medicare tips and information: Twitter: @BoomerBenefits Facebook: http://www.facebook.com/BoomerBenefits Google+: https://plus.google.com+BoomerBenefits Are you New to Medicare? Get started here: https://youtu.be/b5aaCCrOnNk Learn about the costs of Medicare in this video: https://youtu.be/VKQNq_vUbM8 For more senior dental plans and options, we also recommend this video: https://youtu.be/cMLj0djm1Fw https://youtu.be/DubvIjyYEy4 -~-~~-~~~-~~-~- Please watch: "What is Medigap and What Do Medigap Plans Cover?" https://www.youtube.com/watch?v=X9siD41Wi0Q -~-~~-~~~-~~-~-
Просмотров: 3153 Boomer Benefits
Coordinating Medicare Coverage with Employer Provided Health Care Benefits
 
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Over the past two decades a phenomenon in retirement planning has become more and more apparent in our region: Individuals are postponing retirement (if they retire at all) till well past age 65 – the normal entry year into the Medicare system. The result raises several important issues regarding the coordination of employer provided health care benefits and the Medicare system. This medicare symposium, Transitioning into Medicare: Coordinating Medicare Coverage with Employer Provided Health Care Benefits was held on Friday April 17th in the Alcoa Room at Pitt Law. This symposium was presented by the Allegheny County APPRISE program in partnership with the University of Pittsburgh School of Law. See more at: http://law.pitt.edu/events/new-event/apr-17-medicare-symposium-transitioning-medicare-coordinating-medicare-coverage#sthash.F4Fb9a8V.dpuf
Просмотров: 572 University of Pittsburgh School of Law
Dental, Vision, and Hearing coverage all in one GREAT plan!
 
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Finally, great dental, vision, and hearing coverage all in one great plan! Get Your Dental Quotes at: https://www.medicarehero.com/dental-insurance Ready to apply? Click the link below to learn more and enroll online! https://www.manhattandirect.net/individualproducts/dental/productinfo.aspx?AN=43J0786&AGC=19353&State=0 I cant tell you how excited we are to bring you this video on the best dental insurance we have ever found! In the next couple of minutes you will learn the exact reason our clients love this plan so much, why dental and vision plans are a better value, and how it will save you money by filling the gaps in your Medicare coverage. Why do our clients care so much about great dental coverage? Because dental work is expensive! Average dental procedure cost: X-rays & Cleaning : $130 Filling: $160 Crown: $810 Little to no coverage provided by: Original Medicare Medicare Advantage Medicare Supplement Plans As you may already know, Medicare provides no coverage for Routine checkups, cleanings, fillings, or other common dental procedures. Even Medicare Advantage plans only cover a cleaning or two and maybe an Xray… IF it provides any dental coverage at all. All of these services can add up to have a large financial impact especially for those of my clients in retirement and living on a fixed income. So having a big bill for dental services is not a very good thing for my senior clients. Now a few great features of this plan include: no networks- you don’t have to check networks or even check if you dentist accepts this plan. Even If you go to a dentist that doesn’t accept any insurance at all then all you have to do is send your bill into the insurance company and they will reimburse you directly based on actual charges for the procedure or treatment you received. Additionally you can select either 1000 or 1500 per year in annual benefits. Now these benefits are a pool of money allowing you to spend your full benefits each year on Dental, Vision, or hearing services That’s the great part about this plan…YOU get to pick where you your pool of $1500 is spent. So if you don’t need as much dental coverage one year then you can use all of your benefits on Glasses, eye exams, or even hearing aids! That’s why I believe this is the most benefit rich plan available today.. You are really getting the benefits of 3 separate plans for the price of one. This flexibility really allows you to easily use all of your benefits each year maximizing the return on your money. Here are a few of the most common questions: My Dentist doesn’t take insurance No problem! Work out a cash deal with your dentist and then get your receipt over to the insurance company. And again whether you paid nothing or you paid a lot, this plan is going to pay based on reasonable and customary charges. so if you have other discounts or negotiated a really good deal then you could even walk away with cash in your pocket. And remember your benefits get better the longer you have the plan. 60% first year… 70% second year… and 80% the 3rd year. In Need Major Dental work NOW! The good news is once you start this plan your coverage will begin the first of the next month and that starts clock starts ticking toward your major coverage being covered for the future after a 12 month wait. But you can have your other stuff done now. Get a cleaning to keep your other teeth from going bad. Get any extractions or fillings you need to have down right away… those are all basic services. And again you will know that your clock has already started for your major items. It is good to know your coverage is going to get better and better the longer you have this plan. I Don’t Need Vision or hearing coverage yet That’s great.. Because the vision and hearing benefits are included at no additional cost. You can spend your entire 1500 in benefits on dental coverage immediately and have the peace of mind know thing that when you do need a vision screening, glasses, or even hearing aids in the future you will have 70% or even 80% coverage waiting to help pay those bills because you were able to plan ahead. How much does it cost for this dental and vision plan? For those of my clients who are new to medicare, a 64 year old would pay $38 per month for $1,500 per year in benefits. Again most of my clients are opting for the $1500 in benefits because it only costs about 30% more in premiums to get 50% more in benefits… so its just a better deal. ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.MedicareHero.com/ Facebook: https://www.facebook.com/Medicarehero/ LinkedIn: https://www.linkedin.com/company/medicare-hero YouTube Channel: https://www.youtube.com/channel/UC76BF06WxgcKZXrK4O438MQ
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Senior Dental Insurance | Dental and Medicare
 
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Senior Dental Insurance | Dental and Medicare: 844-528-8688 or http://www.mymedicaredental.com/ For a Free Medicare Supplement Quote Visit http://medicaresupplementfinder.org/ A good Senior dental plan that works well with Medicare is tough to find. We have looked at hundreds of plans to come up with the very best coverage for dental/hearing and vision. I also have put together a website where you can get all the details and have easy access to the claim forms. You can see it here: http://www.mymedicaredental.com/. The plans come in two benefit packages, $1500 and $1000.00 yearly coverage options and you can use the full benefit for either dental, hearing or vision. Table of Contents: 00:00 - Introduction 03:30 - slide 2 _________________________________________________________________ **Dont miss a single Medicare Supplement video Click Below to SUBSCRIBE** https://www.youtube.com/channel/UCpeawY2B_hUuZhV26QAwRuQ?sub_confirmation=1 _________________________________________________________________ Loran Marmes Medicare Solutions Team http://medigapinfo.net/ Facebook: https://www.facebook.com/medicaresolutionsteam/
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Which is better: Plan F or Plan G Medicare Supplement?
 
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LET US HELP YOU, CLICK HERE: http://SeniorSavingsNetwork.org What is Medigap Plan G? I'll show you. What is Medigap Plan F? Come watch and see! This video shows the difference between Plan F and Plan G, and why Plan G is always the better value. 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 I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
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Age 65 - Should I stay on my company work group health insurance plan?
 
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Should you stay on your group health insurance plan at age 65? LET US HELP YOU, CLICK HERE: http://www.MedicareHealthInsuranceOptions.com or Call 800-499-1942 This video will provide a detailed explanation of the different factors, options and step by step instructions to help you determine if you should stay on your group health insurance plan at age 65, or if it may be better to get an individual Medicare Supplement plan. 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 Part A, B, C and D Explained
 
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Your Medicare Options Part A, B, C and D Explained. Part A -- Hospital Insurance (usually FREE). Covers Inpatient care in hospitals, Skilled nursing facility care, Hospice care and Home health care. Part B -- Medical Insurance $104.90/mo. or higher based on your past or current income. Covers Services from doctors and other health care providers, Outpatient care, Home health care, Durable medical equipment and some preventive services. There is a 10% penalty for every year you don't take Part B if you don't have creditable health care coverage. Part C - Medicare Advantage Plans (Run by Approved Private Insurance Companies) Covers all of Original Medicare such as Part A & B, but usually include Part D and other benefits such as basic Dental, Vision, Hearing and maybe a gym membership. These plans usually have Copayments, Max Out Of Pocket (MOOP) and you have to have Original Medicare Part A & B before you can sign up. Part D - Prescription Drug Plans (PDP) (Run by Approved Private Insurance Companies) Helps cover the cost of prescription drugs and the cost and coverage of different drugs within their formularies can vary. Also note that if you DO NOT have creditable drug coverage and you DO NOT take a drug plan during your election period, you may be charged a 1% penalty for each month you did not take a plan. Please make sure the you work with an Independent Insurance Agent so that you get the correct coverage and plans that are best for you!!! Sincerely, Dave and Dawn Cook www.SafeGuardAssurance.com (941) 932-1388 or 1389
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Top 3 Medicare Supplement Plans 2018
 
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Contact Me: MedicareScreenShare@gmail.com My Website: http://www.medicarescreenshare.com Top 3 Medicare Supplement Plans On The Market Today Okay lets look at the Top 3 medicare supplement options in the market today. Lets get right into the presentation. Okay you have 15 different plan options to choose between to supplement original Medicare. The plans range from plan A to Plan N and cover some to all the gaps in Original Medicare. We will just be looking into the 3 most popular plans instead of confusing you with all 15 different coverage options. Looking more into plans F, G and N you can see why they are the most popular plans and why their market shares are growing so quickly. Plan F is the most popular because it is the easiest to understand and covers 100% of the gaps in Medicare. So if you enrolled into Plan F and have a Medicare approved claim, it will cover all the deductibles, coinsurances, and copays of Original Medicare. Plan G is also a very easy to understand plan with it coving 100% of the gaps in Medicare with one exception. That exception is that Plan G does not cover your Part B deductible. The Part B deductible in 2017 is $183… The last plan we will be comparing is Plan N. Plan N also does not cover your $183 Part B deductible much like Plan G… There is also a $20 copay for doctor visits and a $50 copay for emergency room visits that do not result in impatient admission. Lastly Plan N does not cover part Part B excess charges. Part B excess charges are when doctors or specialist charge up to 15% more then what Medicare is willing to pay for a test, sugary, or procedure. Plan F was on average the most expensive at $130 dollars, Plan G was $104, and least expensive was Plan N at $85. This is very consistent with what you will find throughout the United States. Now lets compare the three. Comparing Plan F to Plan G is very easy. All you need to do is some simple math to find out that Plan G will cost on average about $312 less a year than Plan F. Then subtract the only difference between the two. And if you remember the only difference is the $183 Part B deductible. So your net savings with Plan G after taking into account all benefit differences is $129. So with a Plan F you are paying an insurance company $129 a year to pay for your Part B deductible. And you can even pocket the whole difference of $312 if you do not go to the doctor at all… Some other factors to look at when comparing these plans is that Plan F will no longer be available to new enrollees in 2020, but you can keep your plan as long as you like if you signed up before 2020. Plan F ending will create a closed risk pool most likely leading to higher rate increases for Plan F after 2020. It is also important to point out that Plan G and N have had historically lower rate increases than Plan F in the past as well. So just because plan F is the most popular plan on the market does not make it the best. Comparing Plans G and N is a little more difficult. Again after some simple math you find out that you can save $228 a year with Plan N over a Plan G. But you need to factor in the Part B copays with Plan N. The $228 dollar difference between plans G and N is equivalent to 11.4 $20 office visit or 4.6 $50 emergency room visits. So you would have to have quite a few office or ER lists to make up the difference in cost, but do not forget about the Part B excess charges with Plan N. You can avoid these charges by only working with Medicare Assigned doctors, but the risk of being charged 15% more for a test, sugary, or procedure is one of the reasons why Plan N is less expensive. So excess charges are an important factor when deciding between Plan G and N, but if you are in great health then Plan N could save you a lot of money especially if you continue to stay healthy 5 to 10 years into your Medicare enrollment. Now which is the best of the three. Well I would have to pick Plan G in most cases. It is close between Plan G and N, but the safer long term bet is with Plan G. Now if you are exceptionally healthy you should seriously consider Plan N especially if the cost difference is over $200 a year. But remember if you do pick Plan N just always make sure your doctor except Medicare Assignment to avoid any Excess Charges. And finally Plan F. Plan F is only for the person where money really does not matter. Thanks for taking the time to check out this quick presentation and I hope you found it helpful. Make sure to comment, like, and subscribe to my channel for future Medicare updates, and if you are still a little confused about how Medicare works make sure to check out my Medicare 101 video as soon as this video ends. You will find it in the upper right hand corner of the end screen. Have a wonderful day! Andrew Walsh Top 3 Medicare Supplement Plans 2018
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How Medicare And Employer Coverage Coordinate | Medicare FAQ's | Medicare Plan Discounts
 
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How Medicare And Employer Coverage Coordinate.Are you turning 65 and still covered under your employer's health plan or a spouses plan and wondering how it coordinates with Medicare, if so then this video is for YOU! Get your FREE No Obligation Medicare Supplement quote NOW! http://medicareplandiscounts.com/ Let Us Help, Call Us At 1(844) 280-0785 ********************************************************************* More about working with us at Medicare Plan Discounts. http://medicareplandiscounts.com/ ********************************************************************* Connect On FaceBook! http://bit.ly/2pEcgaZ Don't Forget To Subscribe! http://bit.ly/2f1bIaS
Просмотров: 252 Medicare Plan Discounts
Saleme Insurance Medicare
 
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A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs. Insurance companies can only sell you a “standardized” Medigap policy. These Medigap policies must all have specific benefits so you can compare them easily. You may be able to choose up to 12 different standardized Medigap policies (Medigap Plans A through L). Medigap policies must follow Federal and State laws. These laws protect you. A Medigap policy must be clearly identified on the cover as “Medicare Supplement Insurance.” Each plan, A through L, has a different set of basic and extra benefits. It’s important to compare Medigap policies because costs can vary. The benefits in any Medigap Plan A through L are the same for any insurance company. Each insurance company decides which Medigap policies it wants to sell. Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company. You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse. Medicare Advantage Plans are also available.
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Medicaid, explained: why it's worse to be sick in some states than others
 
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Where you live could mean the difference between life and death. Subscribe to our channel! http://goo.gl/0bsAjO Vox.com is a news website that helps you cut through the noise and understand what's really driving the events in the headlines. Check out http://www.vox.com to get up to speed on everything from Kurdistan to the Kim Kardashian app. Check out our full video catalog: http://goo.gl/IZONyE Follow Vox on Twitter: http://goo.gl/XFrZ5H Or on Facebook: http://goo.gl/U2g06o Matthew is a Medicaid recipient with a life threatening illness. He is one of 70 million Americans who depends on this program. Medicaid was passed in the mid-1960s after decades of fights over the role of government in medical care. FDR and Truman fought for healthcare, but Johnson wound up passing this landmark legislation. Around this same time, developed nations around the world passed universal health programs. The US got Medicaid.
Просмотров: 818446 Vox
Medicare Advantage Plans 2019 - Unhappy With Medicare Advantage? How To Leave Your Plan In 2019
 
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Medicare Advantage Plans 2019 Are Now! Learn how to choose the right policy when faced with hundreds of options to choose from. A Complete Medicare Resource Center https://www.MedicareonVideo.com Phone: 1-877-88KEITH (53484) Medicare Choices Made Easy Medicare Supplement vs Medicare Advantage plans - what is the difference What Does Medicare Cost in 2019? Everyone want to know about Medicare. Pre existing condition Medicare supplement insurance · Medicare drug plans comparison · enrollment period for Medicare · threshold for additional Medicare tax are other complicated without help. Do you want to learn how to sign up for Medicare if you have coverage through the Health Insurance Marketplace? Can I switch from Medicare Advantage to Medigap? Search our online video libraries, we have many videos answering all you r questions and can help you through the process if needed. A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover. Copayments are one of those things. You must stay informed because upcoming 2019 Medicare Advantage changes happens quickly. Medicare on Video is insurance agency specializing in Medicare supplement plans Medicare advantage plans and Medicare part d plans…actually we are a complete Medicare resource center. if you are unhappy with your Medicare advantage plan and want to go back to traditional Medicare this video shows that there are many options outside of the annual enrollment period that could allow you to leave your plan. If you are interested in changing your coverage from a Medicare Advantage to a Medigap plan it cannot be initiated without completing a medical questionnaire. For those who reside in a chronic care facility or have received a diagnosis of end stage renal disease you will not be eligible to enroll for the Medicare advantage plan at this time. one thing that is happening more and more to people on PPO Medicare advantage plans is someone can start out on a PPO Medicare advantage plan they have it for a few years. PPO’s still exist and if you purchase a PPO Medicare Advantage plan that does mean you won't have to deal with managed care but that's the only upside. Call 1-877-88KEITH (53484) for free quote on your Medicare supplement or for any advice on Medicare Advantage vs Medicare Supplement. When your Medicare cost plan passes you can acquire a special election period to join in a Medicare Advantage plan if you wanted to do that. Many people still choose to go with a Medicare Advantage plan. Medicare Supplement, or Medigap, insurance plans fill in “gaps” in basic benefits left behind by Original Medicare, Part A and Part B, such as deductibles, coinsurance, and copayments. Watch My Most Recent Video Here: https://goo.gl/jzN8Rn Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn QUICK AND EASY MEDICARE SUPPLEMENT QUOTES https://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Su... Twitter: https://twitter.com/medsupsavings.com LinkedIn: https://www.linkedin.com/pub/keith-ar... YouTube Channel: https://www.youtube.com/user/BigHealt... © Best Medicare Supplement Plans 2019 By Medicare On Video - All Right Reserved.
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Understanding Healthcare Costs: Medicare Advantage
 
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Medicare Advantage is an insurance program that invites private payors, including health plans and insurance companies, to offer alternatives to traditional Medicare. By providing access to the private insurance market, Medicare Advantage gives beneficiaries the option to choose from a wide range of competing plans, many of which offer richer benefits than Medicare. This video explains how Medicare Advantage works. Video transcript Medicare Advantage is part of the U.S. Medicare system, which is a federal health insurance program that covers 50 million elderly and disabled Americans. Medicare Advantage, also known as Medicare Part C, differs from traditional Medicare in that it doesn't define categories of health coverage in the same way as Medicare parts A, B, and D. Instead, it's a special program that invites private payors, including health plans and insurance companies, to provide alternatives to traditional Medicare insurance. As with traditional Medicare, eligibility for Medicare Advantage includes most U.S. residents over age 65, as well as certain nonelderly people with disabilities. While traditional Medicare is administered directly by the federal government, under Medicare Advantage, the government contracts with private payors. At minimum, these payors are required to provide the same level of coverage outlined in Medicare Parts A and B, and typically they provide Medicare Part D prescription drug coverage, as well. By providing access to the private insurance market, Medicare Advantage gives beneficiaries the option to choose from a wide range of competing plans, many of which offer richer benefits. A growing number of Medicare beneficiaries are opting for Medicare Advantage. Twenty-seven percent are currently covered by Advantage plans, and enrollment is expected to continue to increase in 2013. All Medicare Advantage plans are funded by federal Medicare dollars—but some plans require members to pay an additional premium. The premium is determined by the benefits provided and the federal reimbursements in the area where the plan is offered. Medicare has specific rules for how Advantage plans are priced. Each county has its own payment benchmarks, as well as different benefit and premium combinations. Each spring and summer, Medicare Advantage plans participate in a bid process that establishes the terms of contract between the payor and the federal government for the next calendar year. Before bids are submitted, plans project member health statuses, costs, revenue from the federal government, and member premium. These projections serve as the basis for the bids, which define the benefits to be offered in each plan. Once the bid process is complete, members are told what the premiums and benefits will be for each plan in the coming year. During the eight week open-enrollment period for Medicare Advantage, beneficiaries must consider a number of variables to decide on a plan that best suits their healthcare needs and budget. In addition to monthly premiums, benefit options, and out-of-pocket limits, they must also consider network composition and plan type. If provider choice is important to them, they may opt for a plan that features either a Preferred Provider Organization (PPO) or Private Fee-for-Service (PFFS) structure rather than a more restrictive HMO. Beneficiaries will also want to consider how flexible a plan is with respect to authorizing prescriptions. While most plans provide for prescription drug coverage, not all of them will pay for all pharmaceuticals. Within each class of drugs, plans may cover only a limited number of drugs. Ultimately, those looking for more comprehensive benefits may gravitate toward the Medicare Advantage program. For more on Medicare, and healthcare in general, visit our blog: www.healthcaretownhall.com RELATED MILLIMAN SERVICE Medicare Advantage (Part C) consulting http://www.milliman.com/Solutions/Services/Medicare-Advantage-Part-C/
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Supplemental Medicare Insurance - Steps To Choosing The Best Medicare Supplement
 
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To compare supplemental Medicare insurance plans, review the Medicare Supplement Benefits Chart. You can find it here: http://affordablemedicareplan.com/thinking-of-switching-to-medicare-supplement-plan-f Get information about supplemental Medicare insurance and Medicare Advantage Plans. Choose the best Medicare plan for your circumstances... unlock the information you need with my 8 Part Video Mini-Course. http://free-mini-course.com Get instant access! In this video I explain how supplemental Medicare insurance works and the steps you need to take to choose the best Medicare supplement plan. This video is about Medicare supplement insurance, also known as Medigap... not Medicare Advantage. Here's a video about Medicare Advantage Plans if you're interested: http://www.youtube.com/watch?v=x_o4h5ECCos Medicare supplement insurance fills the gaps in original Medicare. The gaps are your share of the expenses for Medicare-covered services. These expenses include: Medicare Part A deductible Medicare Part B deductible Coinsurance Copayments Steps to choosing the best Medicare supplement: 1. Review the Medicare supplement benefits chart 2. Compare plan premiums from several companies 3. Check the insurance company's financial stability and ask about any discounts. Your goal is to get the most comprehensive Medigap policy your budget will allow. Medicare supplement Plan F is the most comprehensive. Medicare Supplement Plan G is next in line. Medicare supplement Plan N is a good balance if you want a lower premium and can handle a little more out-of-pocket expense.
Просмотров: 5925 David Forbes
What is Medicare Drug Prescription Coverage?
 
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The coverage can provide protection from high drug costs or from unexpected drug bills What you should know: •Medicare covers brand name and generic drugs •Anyone over age 65 is eligible •Costs vary depending on the drug plan you choose Related Videos: •Medicare Videos, http://www.youtube.com/user/CVSPharmacyVideos#grid/user/F9BC8C72038F2D7F Related Health Articles: •Caregiver: Facing Finances Caring for a loved one isn't just a job. It's a calling. And, all too often, it can also be a financial strain. An ailing mother, father, or spouse can throw your carefully laid plans out the window. There are many different ways to pay for caregiving expenses, though, and you can find a way to help without ending up in the poorhouse...Read More: http://bit.ly/b7aLYV •Healthy Aging 101: Preparing for Your Later Years No matter whether you're thinking about retirement or planning to work for years to come, it's never too early to start preparing for the future...Read More: http://bit.ly/diBc3G Related Products: The following are products sold by CVS/pharmacy that may be of interest to you: Medcenter Pill System $69.99 http://bit.ly/ciyp0Z Transcript Hi, I'm Greg Collins and I'm a CVS pharmacist. Medicare prescription drug coverage is insurance that covers both brand-name and generic prescription drugs at participating pharmacies. The coverage can provide protection for people who have very high drug costs or protection from unexpected prescription drug bills in the future. Anyone over the age of 65 with Medicare is eligible for this coverage, regardless of income and resources, health status, or current prescription expenses. There are three ways to get Medicare prescription drug coverage: you can join a Medicare prescription drug plan, a Medicare Advantage plan, or another Medicare health plan that offers drug coverage. Like other insurance, if you join, you will generally pay a monthly premium, which varies by plan, and a yearly deductible. You will also pay part of the cost of your prescriptions, including a copayment or co-insurance. Costs will vary depending on which drug plan you choose. Some plans may offer more coverage and additional drugs for a higher monthly premium. If you have limited income and resources, and you qualify for extra help, you may not have to pay a premium or deductible. I hope that explains what prescription drug coverage is, how it works, and who's eligible. Remember, your CVS pharmacist is always happy to answer any of your questions. That's why we're here. Source: CVS Caremark Health Resources
Просмотров: 2987 CVS Health
Understanding healthcare costs: Medicaid
 
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Today, there are more than 60 million Americans enrolled in Medicaid—but what is Medicaid and how is it financed? This video explains how Medicaid is funded and how it will change under the Patient Protection and Affordable Care Act (PPACA). Video transcript Medicaid is a U.S. healthcare program that finances the care of low-income and certain high-risk populations, including low-income children and families, people with developmental or physical disabilities, low-income nursing home residents, and others. Unlike Medicare—which is a federally funded and administered health insurance program available to everyone over 65, regardless of income—Medicaid is a need-based program funded jointly by the federal and state governments and administered at the state level. In 2009, Medicaid financed the care for nearly 20% of all Americans, making it the largest source of medical coverage for the country's low-income population. In the coming years, under the Patient Protection and Affordable Care Act, Medicaid will expand to cover a much larger proportion of the population in certain states. And yet, despite the growing importance of Medicaid, most Americans do not understand how it is funded. Medicaid begins with a mix of federal and state funding. The federal government makes annual Medicaid payments to states based on their Federal Medical Assistance Percentages, or FMAPs. Each state's FMAP—which is determined by a formula that looks at state per capita income relative to the US average—is set somewhere between 50 and 83%. This means the federal government pays between 50 and 83 cents of every Medicaid dollar, leaving the state to pay the difference. While the proportion of federal and state dollars is set each year, the total amount is unlimited, unless the state and federal government have agreed to special financing terms under a waiver of the Medicaid rules. These funds can be further supplemented through a number of different federal grants. A state may use alternative sources of income—such as tobacco or provider taxes—to fund its Medicaid program. This accumulated pool of healthcare money helps to fund the populations in a given state. If people have other sources of healthcare funding—such as Medicare or employer-sponsored insurance—those parties may have to provide funding before Medicaid, since Medicaid is a "payer of last resort." While the federal government has mandated legal minimums for Medicaid—including minimum access to care, eligibility requirements, and medical service requirements—there remains great flexibility from one state to another in how programs are administered. One of the ways states utilize this flexibility is through waivers, which allow for expanded services and enrollment and in some cases allow innovative solutions. Each state establishes the reimbursement rate that will be paid to hospitals, physicians, pharmacies and other healthcare providers. Medicaid reimbursement rates are typically lower than those paid by Medicare and commercial health insurance carriers. While most Medicaid payments are made to providers based on the services performed, other financing components sometimes complicate the picture. These may include special payments to providers that provide care to a high number of low income populations, rebates paid from the pharmaceutical companies to state and federal government, or "clawback" payments made by the states to the federal government to offset the cost of prescription drug coverage offered under Medicare Part D. Adding another layer of complexity, the Patient Protection and Affordable Care Act will expand Medicaid to a larger percentage of those who are currently uninsured, as well as to other low-income individuals. The Medicaid expansion population will be paid at 100% by the federal government for calendar years 2014 through 2016. However, this federal contribution decreases over time, with the federal government paying 90% and the States paying 10% beginning in calendar year 2020. In addition to expanding Medicaid coverage to new populations, new financial requirements for both state and federal governments will add to an already complex system that is projected to grow to more than $900 billion by 2020. To learn more about Medicaid and other important healthcare topics, visit milliman.com/HCR.
Просмотров: 88454 Milliman, Inc.
Medicare Disability   {Under Age 65}
 
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Medicare Disability. Complete Medicare Resource Center here: Medicare Back Office 877-385-8083 Tell them Keith sent you! What is Medicare Disability? Medicare is a form of public healthcare cover provided for people over the age of 65 years or those below 65 years who are diagnosed with listed chronic ailments and disabilities. End Stage Renal Disease (ESRD), Lou Gehrig’s disease (a form of Sclerosis or ALS), and proof of social security support for disability for a period of 24 months, are approved for disability cover. Public medical assistance follows stringent qualifying criteria offering members more affordable deductibles and full coverage for specific classes of prescription drugs. To learn about Medicare Disability and its qualifying criteria, the following provides a complete breakdown of this modern public health system. Medicare Disability Medicare Disability is a government funded healthcare plan available for select beneficiaries. If you are 65 years and older, you automatically qualify for cover. For individuals, younger than 65 years presenting with ESRD and ALS, cover is offered. Medical assistance is also available for those under 65 who have been receiving Social Security benefits for disability for at least 24 months. If you receive Social Security Disability benefits for the qualifying period, you will automatically be eligible to receive Part A and Part B of the public healthcare plan. It offers convenience, major savings and the option to visit a specific network of doctors. If you have received approval for Medicare, but not obtained these Social Security benefits, you will have to pay for the extra cover needed. Once you have been approved for Medicare, you can receive the full range of features that it provides for disabilities. This includes access to specific standards of nursing assistance, a group of doctors, listed prescription drugs, and the option to visit approved hospitals. Medicare Approval To receive the approval for the necessary public healthcare benefits, the state will automatically enrol persons over 65 years. For those who are receiving Social Security benefits for disabilities, once the 24-month period has passed, you should receive the qualifying Medicare card for public healthcare accessibility. Ensure that the Social Security department has your updated details. You should receive your card in your post as soon as the necessary criteria are met. If you do not receive your Medicare card or you have not obtained automatic cover, you must contact the relevant Social Security Department. It will help determine your approval including the extent of cover and whether you need to purchase Part A of the Medicare plan. You do not have to present with a specific disability to receive Medicare benefits. Long term care or terminal illness should receive healthcare approval. If you are struggling to receive eligibility for Medicare Disability, consult with your physician. A report concerning your diagnosis should be submitted for review. Individuals with disabilities who continue to work can obtain benefits for a set trial period and provided their gross earning do not exceed a specific limit. The benefits are provided so long individuals are disabled during their working trial and are noted “cured” or recover from their disabilities. Learning of the Medicare qualifying criteria and potential restrictions can help you rely on government funded healthcare plans. 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
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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: 4938 MedigapSeminars.org
Best Medicare Supplement Plan - 877-88KEITH (53484)
 
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2018 UPDATED VIDEO HERE: https://www.youtube.com/watch?v=ovKvpDzaT_Y&t=24s Best Medicare Supplement plan. Complete Medicare Resource Center here: http://www.MedicareonVideo.com 1-877-88KEITH (53484) Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn Watch My Most Recent Video Here: https://goo.gl/jzN8Rn Best Medicare Supplement Plan and How to Find the Right Option for You The best Medicare supplement plan, also known as Medigap policies, will help you get the most coverage when used with your Medicare healthcare insurance plan. Since there are so many options it can be challenging to find the right one for your needs. Beneficiaries can do their homework to find the best options and to understand how they work with their healthcare plans. Most who apply will choose from standardized policies with specific details to pay attention to. Beneficiaries in Massachusetts, Minnesota, and Wisconsin have different regulations in place affecting how their policies are standardized. Why Are Supplement Plans Standardized and What Makes Them Unique? When seeking the best option to accompany your Medicare program healthcare insurance, it is important to understand these details. The standardized policies have provisions to help protect patients. The policies must meet regulations set by federal and state standards. Such standards help define it as Medicare supplement insurance. The policy is identified by its letter (A through N). Most policies offer the same protection but some offer more than others. Insurance companies provide options to beneficiaries regarding supplement policies to offer. There are a few things to keep in mind when finding best Medicare supplement plan to consider. Insurance companies offering them have regulations by the state to follow. The company may not be obligated to sell each type of supplement policy. The company is obligated to provide Plan A when giving other policy options. They should provide Plan C or Plan F when other plans are offered. Supplement polices may provide coverage for coinsurance if you have paid the deductible. In some cases the supplement policy provides coverage for the deductible. Tips for Comparing Best Medicare Supplement Plans There are various sources online people can use to compare their options. It is important to use credible options that provide detailed information about Medigap policies. Seek websites providing in-depth information on healthcare coverage options including Medicare, Medicaid, and other forms of health coverage that work with supplement policies. There are several aspects to compare that can help you understand how to cut down your options to focus on. When comparing plans take notes on what the plan covers and up to what percentage. Some plans may offer up to 100% coverage. Pay attention to services and benefits the plan offers. Learn each part the policy offers and what coverage is available. If you have Medicare Part A or Part D, compare services they cover and how much the supplement policy will pay. Some policies have a high-deductible and you may be required to pay up to a certain amount in a calendar year before your supplement policy kicks in. Services to pay attention to in regards to supplement policy options include hospital costs, hospice care, and care from skilled nursing facilities. Pay attention to doctors and hospitals in your network. There are trusted health news organizations offering there take on good Medicare supplement plans based on star ratings and in-depth comparisons. ================================================== 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: 55709 Keith Armbrecht
Medicare Insurance Coverage for New Immigrants over 65 Years -  DR NIK NIKAM NNN
 
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Medicare Insurance Coverage for New Immigrants over 65 Years DR NIK NIKAM - NNN Please subscribe to this channel by clicking the subscribe button. NNN has the largest collection of Indian American Experience in the U.S. Host: NIK NIKAM, MD, MHA. Join our Google+: https://plus.google.com/u/0/+NikNikam/posts LIKE our Facebook Page https://www.facebook.com/pages/NIK-NIKAM-Network-NNN/465844610205062?ref=hl NIK NIKAM NETWORK -NNN MEDIA Indian culture, heritage, traditions, Bollywood, food.
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Medicare Supplement Insurance Plans
 
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Once you have Medicare Parts A and B, you may realize there are “gaps” in coverage — costs like deductibles and co-insurance you have to pay for. A Medicare supplement plan — also known as Medigap plan, can cover these gaps. You’ll learn the steps to take in enrolling in a Medicare Supplement insurance plan. To learn more about Medicare and to register for a free seminar, visit https://www.sharp.com/health-insurance/medicare/.
Просмотров: 184 Sharp HealthCare
Medicare Supplement Plan N vs Plan G (& Plan D)
 
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Medigap Plan N, Medicare Supplement Plan N or Plan N vs Plan G and Plan D. In this video, I am going to review Medicare Supplement Plan N and compare the benefits and cost to Medicare Supplement Plan G and Plan D. Independent Brokers licensed in almost every state in the country. Subscribe to see all my Medicare videos! Call us at 800-847-9680 email: info@medigapseminars.org Get a free quote comparison of Medigap plans: https://medigapseminars.org/medigap-plans-independent-medicare-insurance-broker/m-quote-request/ Link to the Medicare Supplement benefit table for 2020: https://tinyurl.com/ycfnwlj5 Subscribe to Our youtube channel: https://www.youtube.com/channel/UC4vgYKig-7gkHDsBTIlR_3A or visit https://MedigapSeminars.org Medicare supplement Plan N can be a better value than Medicare supplement Plan G. This is especially true in states that have specific laws reducing the value of Plan G. In addition, some insurance companies are preparing for Medicare Supplement Plan D to be one of the top selling plans in Medicare. To be clear, I am referring to the Medicare Supplement Plan D and NOT Medicare Part D prescription drugs. Medicare supplement Plan D is a direct competitor to Medicare supplement Plan N. Is Medicare Supplement Plan N the right plan for you? Let’s take a look. When comparing Medigap Plan N vs. Plan G, people that prefer the Plan G to the Plan N tend to be people who would rather pay a little extra each month and avoid having to do the extra work to avoid excess charges. The plans are identified by letter across the top row. The category of Medicare services are in the left hand column. In the column below the Plan letter you can see the percentage of insurance coverage offered by that plan. You can find this table on our website and in various Medicare publications. With Medigap Plan N we see that it covers 100% “Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used up.). Notice that all the supplements have this coverage. Also, notice down here that Medicare Supplement Plan N pays the Medicare Part A deductible. In 2017 that deductible is $1,380 per event. It will change every year, but with a Medigap Plan N that doesn’t matter. Your supplement will pay it. Without a supplement you pay the deductible up front, then have 60-days of hospital coverage before you start paying a copay. With Medicare supplement Plan N you can be an inpatient in the hospital for more than 365 days with 100% coverage. You will have no out of pocket costs for Part A. The asterisks indicate that you have the Medicare supplement Plan N copay. You will be required to pay up to a $20 co-pay for every doctor visit and a $50 copay for every emergency room visit unless you end up an inpatient in the hospital. Then the $50 copay is waived. The important qualifying words here are “up to”…$20. Here is what you can expect. So notice that with Medicare supplement Plan N you have 100% coverage until you get down to this line item referring to the Medicare Part B deductible and Medicare Part B excess charges. Here Medigap Plan N has no coverage at all. You are expected to pay those fees out of pocket. That’s important. Later in this video I am going to go over a real life example using a common joint replacement that will clear up some of the most common questions and misunderstandings about Medigap Plan N. In order to evaluate if Medicare supplement Plan N is right for you, you need to know what the Medicare Part B deductible is and what it is expected to be in the future. It’s also critical that you understand Medicare Part B excess charges. So let’s focus on these and then go over a real life example to show you how Medicare supplement Plan N works with office visits, hospital stays and physical therapy. If a doctor or hospital does not accept Medicare assigned rates, they are paid 5% less from Medicare, but allowed to charge you 15% more. The amount the doctor or hospital charges you that is more than what Medicare pays the doctor for that service is called an excess charge. Excess charges are only allowed on Medicare Part B services. Those are outpatient and physician services. There are also some states that either forbid or severely restrict Medicare Part B excess charges. These state laws are called Medicare Override Measure or MOM laws. If you live in either Connecticut, Massachusetts, Minnesota, New York, Pennsylvania, Ohio, Rhode Island or Vermont your state either forbids or limits Medicare Part B excess charges. for Part D drug plan info visit: http://www.medicare.gov Also visit : https://en.wikipedia.org/wiki/Medigap Get your Medicare Guide to supplements here: https://www.medicare.gov/Pubs/pdf/02110-Medicare-Medigap.guide.pdf And your Medicare & You Guide here: https://www.medicare.gov/pubs/pdf/10050-Medicare-and-You.pdf
Просмотров: 18128 MedigapSeminars.org
Why Is Health Insurance so Complicated?
 
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Why is health insurance so complicated, while car insurance and life insurance are so simple? Can health insurance be more like, well, insurance? Lanhee Chen, fellow at the Hoover Institution, explains. Donate today to PragerU! http://l.prageru.com/2ylo1Yt Have you taken the pledge for school choice? Click here! https://www.schoolchoicenow.com Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: Americans carry many different forms of insurance. There’s car insurance, home insurance, life insurance, even pet insurance . . . Most of these insurance policies work well and are fairly priced. But there is one glaring exception: health insurance. Only health insurance becomes more complicated and more expensive at the same time. So, the obvious question is: why? To answer this question, we have to start at the beginning. What is insurance? It’s pretty straight-forward: You pay a monthly fee which provides financial protection against unforeseen, sometimes catastrophic, events. People buy homeowners insurance, for example, to protect themselves from the financial loss incurred in the event of a fire, a flood or theft. Because millions of people are paying into the insurance pool, the pool has enough money to cover the unlucky person whose house does burn down. And since insurance is meant to share risk, it only stands to reason that higher-risk individuals have to pay more to be insured. Someone who has had two accidents is going to pay more for car insurance than someone who has never had an accident. Why? Because their track record indicates they are more likely to have another accident. But while insurance provides a bulwark against unforeseen loss, it does not protect against routine expenses. Car insurance protects you in the event that you wind up in a car wreck or your vehicle is stolen, but it doesn’t cover routine maintenance like oil changes, replacing brake pads or tire erosion. Why? Because everyone needs routine oil changes, new brake pads, and new tires. So, there is no risk to protect against. Health insurance in America works very differently. Many of us have health insurance plans that aren’t insurance at all. They’re really pre-paid health care plans. They cover routine check-ups, less serious illnesses, and recurring expenses like prescription medications in addition to protecting you from a health disaster. All of this has made healthcare much more expensive and complex than any other form of insurance. That is true whether you get your insurance through your employer, through the government, or if you pay for your own plan. The Affordable Care Act, known as Obamacare, was passed on the promise that it would fix these issues and bring down healthcare costs. But it has actually made the problem much worse. First, it limited the variety of health insurance plans private companies could offer. It did this by mandating that every plan had to cover the same set of ten health benefits, including preventive care, maternity care, mental health care, and contraception. Second, Obamacare prevented insurers from charging premiums based on the risk they were assuming. A person with a much higher risk of getting sick couldn’t be charged more than a person with a much lower chance. These two aspects of Obamacare – requiring all policies to have certain coverages and not allowing insurance companies to charge more for riskier clients – caused the price of insurance to rise dramatically. In Arizona, for example, the price more than doubled between 2016 and 2017 alone. For the complete script, visit https://www.prageru.com/videos/why-health-insurance-so-complicated
Просмотров: 1103156 PragerU
Medicare Explained (2018)
 
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Medicare Explained; the best video to explain Medicare covers what you need to know about Medicare Part A, Medicare Part B and the choices you have to make once you start Medicare. Medicare explained, Medicare Made Clear, Understanding Medicare. No matter how we word it, understanding Medicare is not always as easy as it looks. Matthew Claassen is an independent Medicare insurance broker licensed in 47-states. Call MedigapSeminars.org at 800-847-9680. My YouTube Channel: https://www.youtube.com/c/medigapseminarsorg Visit: https://medigapseminars.org/ Get a free quote comparison: https://medigapseminars.org/medigap-plans-independent-medicare-insurance-broker/m-quote-request/ Contact Us: https://medigapseminars.org/contact-us/ In this video I am going help you learn about Medicare explained in an easy to understand format. By the end of this video Medicare will be made clear for you. You will understand how Medicare works. You will understand Medicare Part A & Medicare Part B and the choices you have to make once you sign up for Medicare. Once you sign up for Medicare you will have to choose from one of three options. We will go over each of those three options and pros and cons you should consider before you make a decision. Once you understand the Medicare basics of Part A and Medicare Part B, you will be faced with choosing one of three paths to take with your Medicare. This will be the most important Medicare decision you have to make because it could set you on a course that will impact the quality of your medical care and can potentially be irreversible. To keep this video brief, I have a separate video that covers how, when and where to sign up for Medicare Parts A & Medicare Part B. I have it linked in the upper right of this video, you’ll see a white circle with a letter “i”. You can click on that at any time to go to the video on how to sign up for Medicare. With terminology out of the way, next in the Medicare Explained video is Medicare Part A & Medicare Part B. Medicare Part A is that portion of your health insurance that pays for your healthcare whenever you are an inpatient in a medical facility. As soon as you become an inpatient in a hospital, Medicare Part A takes over. The same when you become an inpatient in a skilled nursing facility or hospice. The one exception is that if you are not able to physically get to a medical facility for healthcare, Medicare Part A also pays for home healthcare. Think of Medicare Part A is inpatient insurance. Medicare Part B is the part of Medicare that pays for outpatient and physician services. This is the portion Medicare insurance you use when you see a doctor or have lab tests or physical therapy and so on. Medicare Part B also includes some wellness coverage. Medicare Part B is the part of Medicare people use most often because most of our medical care is via outpatient services. Even many surgeries and hospital services are now done as an outpatient and are thus covered under Medicare Part B. Your Original Medicare (Part A & B) is good anywhere in the country. You can see any doctor, go to any medical facility in any state or territory, as long as they accept Medicare. You do not need to get permission from a primary care physician. You have both freedom to go where you need and control to see who you choose. Also it is important to understand that Medicare Advantage Plans are local coverage. If you are a snowbird, and RVer or just travel the country that should rule MAPD as an option. Next in our Medicare Explained video are your three choices. You can do one of three things: # 1 Do nothing. Just keep Original Medicare (Your Part A & B). This is the only choice that makes understanding those co-pays and deductibles very important. This is not an advisable choice because Original Medicare was never intended to be stand-alone health insurance. You will find when going over the details of the copays and the limits of the coverage that there is no maximum out-of-pocket limit on your potential financial obligation. You are at substantial financial risk. Still, this is a choice some people make. # 2 You can trade in your Medicare Part A and Medicare Part B for a Medicare Advantage Plan. Medicare Advantage plans are also called Medicare Part C. #3 Your third choice is to keep you Original Medicare Parts A & B, but add a Medicare supplement plan that pays the co-pays and deductibles that come with just Original Medicare, so you don’t have to. Get your Medicare Guide to supplements here: https://www.medicare.gov/Pubs/pdf/021... And your Medicare & You Guide here: https://www.medicare.gov/pubs/pdf/100... for Part D drug plan info visit: http://www.medicare.gov Also visit : https://en.wikipedia.org/wiki/Medigap
Просмотров: 78439 MedigapSeminars.org