Call (888) 310-0376 to Compare All Medicare Advantage Plans in Your State. Get Instant Access http://free-mini-course.com I explain 5 things you should know about Medicare Advantage before you enroll. It doesn't make sense to even compare Medicare Advantage plans until you know how it works, who is eligible and when you can enroll in a plan. As a senior health insurance option, Advantage plans seem to be shrouded in confusion. One reason is because unlike Medicare supplemental insurance, plans are not standardized which makes shopping for a plan more difficult. If you would like to get the facts about Medicare Advantage vs Medicare supplement insurance, check out my Free 8 Part Video Mini-Course on Medicare Plans. Get Instant Access Absolutely Free! http://free-mini-course.com The first thing you need to know is that an Advantage plan is not a Medicare supplement. So what is Medicare Advantage? The Medicare and You Handbook states that it is a Medicare health plan like a PPO or HMO and is sometimes referred to as Part C. Plans are offered by Private insurance companies and you are still enrolled in Medicare. You will receive all Part A and Part B benefits from the Medicare Advantage Plan and drug coverage is often included. The second thing you should know is how plans work. And that begins with knowing whether or not you are eligible to enroll in a plan. To be eligible, you must: Have Medicare Parts A and B Live in the plan's service area Not have end-stage renal disease All Advantage plans have premiums if it is $0 per month. Plans shouldn't be referred to as a free Medicare Advantage plan. Premiums are normally lower than premiums for Medicare supplements. There are 6 types of Advantage plans and you will normally be subject to a provider network. It is paramount to be certain your providers are included. Check for your preferred specialists, ancillary facilities and hospitals in addition to your primary provider. If you are enrolling in a plan with drug coverage, be sure all your drugs are included in the plan's formulary. Many people search for Medicare health plans that include extra benefits and are often disappointed when they find Medicare supplements to be lacking. Medicare Advantage plans often include extra benefits not found in original Medicare. They may include: Dental Vision Hearing Silver Sneakers Gym membership Transportation to and from medical appointments Third. You need to be aware of when you can pursue Medicare Advantage enrollment. There are 3 types of enrollment periods. When you first become eligible you have a 7 month window to submit an application. Next, during the Medicare Advantage Annual Election period you can switch, drop or enroll in a plan. And you may have a Special Enrollment Period available if your circumstances have changed. The fourth thing you need to understand is Medicare Advantage plans are not standardized. Plans are offered County by County and premiums, provider networks, benefits and cost sharing amounts vary widely between plans. When you compare Advantage plans there are 3 plan documents that are very important to research and understand. The Summary of Benefits goes into much greater detail than the enrollment brochure. It lists all plan benefits and what each will require in deductibles, copayments, or coinsurance. The Provider Directory should be you companion until you locate all your providers or find some you are willing to live with. The Part D drug formulary should include all your required medications. Enrolling in a Medicare Advantage plan that does not include all your drugs can wipe out any savings you may have had over choosing another type of Medicare health plan. The fifth thing you need to be aware of is how any cuts to Medicare Advantage will affect you. Understand that a lot of what you hear is politically motivated talking points designed to instigate fear. Although given the current political climate future funding for the Medicare Advantage program is tentative at best. If you feel as though enrolling in an Advantage plan is your best option, you should do it. If there are Medicare Advantage cuts in the future and you lose your plan you may qualify for Guaranteed Issue Rights to buy a supplement, even if you have preexisting conditions. Also, keep in mind that everyone wants to enroll in the best Medicare Advantage plan. And that will be the one that aligns with your specific set of circumstances.
Просмотров: 60456 David Forbes
Medicare Open Enrollment 2018. Complete Medicare Resource Center here: http://www.MedicareonVideo.com 1-877-88KEITH (53484) Medicare Open Enrollment 2018 starts from October 15th to December 7t h. During this time, all Medicare members can update or alter their medical protection schemes. This includes changes to current Medicare healthcare plans that will come into effect in 2018. Learning of the purpose for enrollment and the options available, can help you best prepare for updated medical and prescription coverage. Your Options for Medicare Enrollment 2018 During the Open Enrollment period for Medicare, all registered members are provided the chance to change their healthcare plan. If you wish to upgrade your prescription cover or completely change your general healthcare program, the Medicare Open Election period 2018 allows you to do so easily and conveniently. You can upgrade your Medicare Advantage Plan or your Medicare Part D plan or prescription benefits. Qualifying seniors over the age of 65 years who qualify for Medicare plans may find their cover insufficient for their specific wellness, clinical and chronic care needs. Unfortuantely, you cannot alter your coverage halfway through the year if you find it does not provide what you are looking for. The enrollment period between October and early December offers the chance to make these amendments that become active in January 2018. For Medicare Advantage or prescription cover, members can complete their updates during the stipulated enrollment period with ease. There is no need to register membership for the change in protection or fill out lengthy and complex forms. 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. Notice of Change You may receive an Annual Notice of Change or ANOC for the enrolment period, but documents received through the course of the year concerning your healthcare plan should be reviewed. If you wish to alter the policy, you must learn which options or modifications to plans, can better meet personal health needs. Remaining aware of policy features including the extent of cover, benefits and costs can help you determine whether your current medical care plan is sufficient for the new year. If you are satisfied with your protection, simply leave the cover unchanged and it will continue into the new year. Where dissatisfaction with a policy is apparent, be sure to amend your cover during the 2018 Medicare Enrollment period. Enrollment Restrictions You cannot register for a Part B Medicare plan if you are applying for cover for the first time during enrollment. 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. Important Medicare 2018 Enrollment Considerations Learn whether your current prescriptions will continue to be covered in the new year. Part D Medicare patients may be protected for specific prescriptions in 2018 only to have to pay a deductible or co-payment for a certain category of medication owing to changes in suppliers. Your Open Enrollment allows you to update your prescription policy ensuring your medication is comprehensively covered in 2018. During an Open Enrollment, carefully assess your plans to prevent excessive costs for your healthcare in the new term. 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: 24345 Keith Armbrecht
http://SeniorSavingsNetwork.org 1-800-729-9590 2018 Medicare Supplement Plans | What Do I Need to Do? If you are on a Medicare Supplement plan, this end-of-the-year Medicare season has nothing to do with you, except for the need you have to shop your drug plan. Medicare Supplements (not to be confused with Medicare "Advantage" plan), do not change benefits and you cannot be canceled from such a plan. Your Medicare Supplement, whether Plan G, Plan F, Plan N, etc. will remain with the same benefits as when you signed up. What can change? The rates. If you are notified of a rate increase, you can shop your Medicare Supplement plan ANY time of the year, not just in October, November, or December of each year. You are in complete control and there is not a "season" for shopping Medicare Supplement plans. Medicare Advantage plans change every year and it is critically important that you shop those plans during the small, eight-week period of the "Annual Election Period." We do not specialize in these plans due to their complexity and the number of problems we have seen with senior clients on these, sometimes "free"/no premium HMO plans throughout the country. My Medicare Supplement shopping service is 100% free. If you would like to know the BEST plans available where you live, please call me at 1-800-729-9590. You can actually call 24 hours a day here. We will get you the best, unbiased, independent rate information customized for what you qualify for, which is far different than just giving you a "quote engine" and having you look at companies that might not even be available for you, given, your health qualifications, etc. If you would like to NOT have to become and insurance agent in order to figure out the best plan and you would like some behind-the-scenes help from an agency who has helped thousands of clients in 46 states over the past 25 years, please call my office. There is no charge for my help. How? The same way there is no charge for your auto insurance agent's help, or homeowner's insurance agent. We work the same way. By being independent, we work for our client, not the insurance company. This way, we keep your best interest in mind when shopping the market. We will show you all of the available companies, then make a recommendation based on our actual experience with those companies in your market. This experience is priceless in the selection process. Please let me help you. http://SeniorSavingsNetwork.org 1-800-729-9590 Christopher Westfall Medicare help More helpful videos: https://www.youtube.com/watch?v=bmU0KdQuxbU&list=PL9io3Cp5sglCDzPtiKBsNDMPbqfFJSsvE
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Get Instant Access http://free-mini-course.com. In this video I discuss 5 significant differences between Medicare and Medicare Advantage. Understanding these differences can help you if you are thinking of enrolling in a Medicare Advantage Plan. The 5 areas can be broken down into: How the plan is administered How much you pay for covered services How you use your plan and receive services How enrollment periods affect your experience Whether you are covered by original Medicare or enrolled in a Medicare Advantage Plan, you are still in the Medicare program. Joining an Advantage Plan does not cancel your Medicare. Even though there are differences between Medicare and Medicare Advantage, you will receive all your Part A and Part B benefits when enrolled in an Advantage Plan. The other Medicare Plan option not discussed in this video is Medicare supplemental insurance, also known as Medigap. If you are interested in learning more about Medicare supplement insurance watch: http://www.youtube.com/watch?v=w5F1bnhjmtQ Medicare Supplements -- 5 Things to Know Before You Buy. If you would like to compare Medicare Supplement insurance vs Medicare Advantage, get my 8 Part Video Mini-Course. Unlock the information you need to choose the best plan for your circumstances. Get Instant Access http://free-mini-course.com
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www.healthplansinwashington.com Phone: 360-787-1048 What is Medicare Advantage? Medicare Advantage also known as Medicare Part C is offered as an alternative or replacement to Original Medicare. Medicare Advantage covers benefits included under Part A and Part B plus other additional benefits. And it is offered by private companies approved by Medicare. Who can qualify for this plan? As long as you are enrolled on both Medicare Part A and Medicare Part B, and not currently on dialysis, you may qualify for Medicare Advantage. How much does Medicare Advantage cost? Your out of pocket cost in a Medicare Advantage Plan depends on: Whether the plan charges a monthly premium. Whether the plan pays any of your monthly Medicare Part B (Medical Insurance) premium. Whether the plan has a yearly deductible or any additional deductibles. How much you pay for each visit or service (copayment or coinsurance). For example, the plan may charge a copayment, like $10 or $20 every time you see a doctor. The type of health care services you need and how often you get them. Whether you go to a doctor or supplier who accepts assignment (if you're in a PPO, PFFS, or MSA plan and you goout-of-network). Whether you follow the plan's rules, like using network providers. Whether you need extra benefits and if the plan charges for it. The plan's yearly limit on your out-of-pocket costs for all medical services. Whether you have Medicaid or get help from your state. Medicare advantage plan may require you to pay predictable deductibles, co-pays and coinsurance but usually starts at a low to no premium per month and it will still be good to know the different types. What are the types of Medicare Advantage Plan? HMO (Health Maintenance Organization plan): Lets you see doctors and other health professionals who participate in its provider network. If your doctor is already in network, it could be a good option because you tend to pay less out-of-pocket with in-network doctors. PPO (Preferred Provider Organization plan): Covers both in- and out-of-network providers, giving you the freedom to choose any doctor that accepts Medicare assignment. PFFS (Private Fee-for-Service plan): The plan determines how much it will pay providers and how much you must pay when you get care. The treating doctor has to accept the plan’s payment terms and agree to treat you. SNP (Special Needs Plans): Are especially for people who have certain special needs. The three different SNP plans cover Medicare beneficiaries living in institutions, those who are dual-eligible for Medicaid and Medicare, and those with chronic conditions such as diabetes, End Stage Renal Disease (ESRD), or HIV/AIDS. This type of plan always includes prescription drug coverage. HMO-POS (Health Maintenance Organization - Point of Service plan): Covers both in- and out-of-network health services, but at different rates. You pay less out-of-pocket when you go to in-network doctors, labs, hospitals, and other health care providers. MSA (Medical Savings Account plan): Includes both a high deductible and a bank account to help you pay that deductible. The amount deposited into the account varies from plan to plan. The money is tax-free as long as you use it on IRS-qualified medical expenses, which include the health plan's deductible. What Medicare Advantage Plan covers? Aside from covering all of the services that Original Medicare covers, some Medicare Advantage Plans offer extra coverage like dental, vision, hearing, and some even gym membership. Most include Medicare prescription drug coverage or Part D as well.
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Medicare Advantage Plans 2019 Are Now! Learn how to choose the right policy when faced with hundreds of options to choose from. A Complete Medicare Resource Center https://www.MedicareonVideo.com Phone: 1-877-88KEITH (53484) Medicare Choices Made Easy Medicare Supplement vs Medicare Advantage plans - what is the difference What Does Medicare Cost in 2019? Everyone want to know about Medicare. Pre existing condition Medicare supplement insurance · Medicare drug plans comparison · enrollment period for Medicare · threshold for additional Medicare tax are other complicated without help. Do you want to learn how to sign up for Medicare if you have coverage through the Health Insurance Marketplace? Can I switch from Medicare Advantage to Medigap? Search our online video libraries, we have many videos answering all you r questions and can help you through the process if needed. A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover. Copayments are one of those things. You must stay informed because upcoming 2019 Medicare Advantage changes happens quickly. Medicare on Video is insurance agency specializing in Medicare supplement plans Medicare advantage plans and Medicare part d plans…actually we are a complete Medicare resource center. if you are unhappy with your Medicare advantage plan and want to go back to traditional Medicare this video shows that there are many options outside of the annual enrollment period that could allow you to leave your plan. If you are interested in changing your coverage from a Medicare Advantage to a Medigap plan it cannot be initiated without completing a medical questionnaire. For those who reside in a chronic care facility or have received a diagnosis of end stage renal disease you will not be eligible to enroll for the Medicare advantage plan at this time. one thing that is happening more and more to people on PPO Medicare advantage plans is someone can start out on a PPO Medicare advantage plan they have it for a few years. PPO’s still exist and if you purchase a PPO Medicare Advantage plan that does mean you won't have to deal with managed care but that's the only upside. Call 1-877-88KEITH (53484) for free quote on your Medicare supplement or for any advice on Medicare Advantage vs Medicare Supplement. When your Medicare cost plan passes you can acquire a special election period to join in a Medicare Advantage plan if you wanted to do that. Many people still choose to go with a Medicare Advantage plan. Medicare Supplement, or Medigap, insurance plans fill in “gaps” in basic benefits left behind by Original Medicare, Part A and Part B, such as deductibles, coinsurance, and copayments. Watch My Most Recent Video Here: https://goo.gl/jzN8Rn Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn QUICK AND EASY MEDICARE SUPPLEMENT QUOTES https://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Su... Twitter: https://twitter.com/medsupsavings.com LinkedIn: https://www.linkedin.com/pub/keith-ar... YouTube Channel: https://www.youtube.com/user/BigHealt... © Best Medicare Supplement Plans 2019 By Medicare On Video - All Right Reserved.
Просмотров: 135 Keith Armbrecht
Do Medicare benefits pay for long-term care? Will I need to do long-term care planning outside of Medicare? I thought Medicare paid for home health care, so why do I need to think about long-term care insurance? Will Medicare give me any coverage in a nursing home? *************************************************************************** Click to receive our FREE eBook about avoiding the top 5 mistakes when buying long-term care insurance: http://www.longtermcareacademy.com/five-reasons-download *************************************************************************** These are great questions that we hear on a MONTHLY basis. It's no secret that Medicare can be an intimidating subject. In this important video, we will explore the answers to these questions all in UNDER 30 minutes! We break down Medicare benefits into an EASY TO UNDERSTAND presentation and destroy the intimidation factor so that YOU can decide if you need to do more long-term care planning. This presentation is NOT about how to plan for a long-term care event OR Medicare supplements, if you would like to see presentations on those subjects; email us at email@example.com or firstname.lastname@example.org or leave a comment in the comments section of this video. This video is for educational purposes only, and IS NOT meant to be a complete primer on Medicare. If you would like more detailed information about Medicare, we show you exactly how to find it at the end of this video! If you are still confused, or have more questions, please contact us and we would be glad to see how we can help you. For more information on Medicare and Long-Term Care from: The government: http://www.medicare.gov http://www.longtermcare.gov Wikipedia: https://en.wikipedia.org/wiki/Medicare_(United_States) https://en.wikipedia.org/wiki/Long-term_care =================================================== Click Below to SUBSCRIBE for More Videos: https://www.youtube.com/subscription_center?add_user=investmentprofessor =================================================== Jim Soloman http://www.LongTermCareAcademy.com email@example.com Jason Soloman http://www.investmentprofessor.com firstname.lastname@example.org =================================================== Medicare Benefits And Long-Term Care Made Easy): https://www.youtube.com/watch?v=9u_LeZDbksY
Просмотров: 29240 Jason Soloman
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
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Independent Agent Mike Worrell, https://www.medicarecost.net. Contact: 1-800-650-5242. Washington Resident: https://washingtonmedicareplans.com/medicare-supplement/ Compare Medicare Advantage to Medicare Supplement: https://www.medicarecost.net/medicare-advantage/ Many of the risks and unknown facts about Medicare advantage are explained in this video. A lot of insurance agents like to leave these important details out when they're selling Medicare Advantage. Watch the video to learn about Medicare advantage before you make the important decision of purchasing your Medicare insurance. There are a few areas in the country where Medicare advantage has decent benefits, but for the rest of us, that's usually not the case. Most people are stuck with the only option being an HMO with a huge Out of Pocket maximum. PPOs 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. You still have to see network doctors, network specialists, you still have lots of cost-sharing and co-pays etc. 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. Then, the company offering the PPO isn't making enough money, they leave the market, leaving you with no insurance, and now the only plans available to you are HMOs and you end up having to get onto an HMO anyway because there is no longer a PPO plan offered in your area. You can avoid all of this fiasco by staying on Medicare A&B and purchasing a Medicare Supplement(Medigap) right when you're first eligible for Medicare. I'd love the opportunity to help. Please feel free to call me directly at 1-800-650-5242, or email me at email@example.com. I'm always glad to help and my service costs you absolutely nothing. Sound Credit: www.bensound.com
Просмотров: 139 michael worrell
The General Agencies of the United Methodist Church have taken a Medicare Advantage Plan through United Health Care that prices MS drugs out of the reach of most.
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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
Просмотров: 10877 Andrew Walsh
Are you planning on moving to another state and want to know how it will impact your Medicare? We have answers for you in this video from an independent Medicare insurance broker. See our other videos: https://medigapseminars.org/on-demand-webinar/ AND https://medigapseminars.org/new-to-medicare/ Contact Us: 800-847-9680 or https://medigapseminars.org/contact-us/ Request a Quote: https://medigapseminars.org/medigap-plans/m-quote-request/ So you have Medicare and you are planning to move to a new location or even a new state. How is your move going to impact your Medicare coverage, and what do you need to do to make sure your coverage is seamless? What you need to do depends on what type of Medicare plan you have. If you have a Medicare supplement like a Plan F or G or N or any of the ten different Medigap plans, you do NEED to do anything more than provide the insurance company with your change of address. Your Medigap plan is good with any doctor or hospital that accepts Medicare from coast-to-coast so there is no requirement to change plans and moving does not create a special enrollment period for Medicare supplements. However, it is in your best interest to at least re-shop the plan when you move. Every state has a different prices for their supplement plans. If you are moving to a state with generally lower premiums this may be an opportunity to save money. If you are moving to a state with generally higher premiums you may still want to shop because your insurance company will have the right to increase your premium to be consistent with their premiums for your age group in the new state. But, just because your insurance company may have been the best value for you at your current residence does not mean it will be the best value for you when you move. So, with a Medicare supplement plan there is no requirement to do anything when you move to another state, but it is in your best interest to re-shop your plan and it cost nothing to shop. If you have a Medicare Part D prescription drug plan or a Medicare Advantage plan (which are usually HMOs or PPOs) you will be required to take action before you move to another state. Unlike the Medicare supplement, your Part D prescription drug plan or your Medicare Advantage plan are only local coverage. They are designed and priced just for your county or surrounding area. If you move outside of their local service are you create a Special Enrollment Period. Here is what you do, about 30-days prior to moving you contact your Medicare Part D insurance company or your Medicare Advantage insurance company and you inform them when you are moving and where you are moving to. If you are moving out of the local area they service, they will send you what we call a Disenrollment Letter. The Disenrollment Letter is your Golden Ticket to have a Special Enrollment period. With the Medicare Part D plan, you can re-shop your coverage to find which plan is best for you at your new zip code. You want to get into this new Part D plan within 63-days of when your existing coverage ends. Your window to change plans is between 60-calendar days before the end of your current insurance coverage and 63-days after your current insurance coverage is terminated to take action. So plan ahead. If you have a Medicare Advantage everything is identical to what I just talked about with your Medicare Part D, with one twist. You want to make the change in your coverage seamless, but there can be up to a 63-day gap between when your current coverage ends and when your new Medicare Advantage plan begins. Keep in mind that Medicare Advantage plans vary greatly from state to state. Do not assume that the Medicare Advantage plan you have will be the same in another state. It won’t. You need to look carefully at your options and make an informed decision. But here is the twist; this Special Election Period also gives you the opportunity to change from a Medicare Advantage plan to a Medicare Supplement. You can only get certain Medicare supplement plans, but you can do so without medical questions and on a guarantee issue basis. Before January 01, 2020 you will be able to select from Medicare supplement plans A, B, C, F, F-HD or K. After January 01 2020 Plan F and C may not be available for guarantee issue. Nothing is set in stone at this time, but Plans F & C may be replaced by Plan G and a new Plan G-HD. If you are watching this video in 2020 or after, check with us for which plans are available to you. So that’s it. If you are moving and have Medicare, re-shop your Medicare supplement and use a Special Enrollment period to purchase a new Medicare Part D plan, a Medicare Advantage or convert your coverage from a Medicare Advantage plan to a guarantee issue Medicare Supplement. Do not assume that your best plan or best value one state is the same in another. Your Medicare supplement BENEFITS are the same everywhere, but prices change significantly.
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Watch Medicare Mini-Course Part Three: http://medicare-mini-course.com/page/4/ Medicare Mini-Course Part Two addresses Medicare Advantage Plan eligibility and how plans work. Many people enroll in an Advantage Plan without completely understanding how it works. Not understanding how a Medicare Advantage Plan works can have a negative impact on your health and budget. To be eligible to enroll in a Medicare Advantage Plan you must live in the plan's service area (generally a County), be enrolled in both Medicare Part a and Part B and hot have end-stage renal disease (ERSD). You must also continue to pay your Part B premium. When shopping for and comparing Medicare Advantage Plans it's important to review the plan's Summary of Benefits, Provider Directory and Part D Formulry. To compare all plans in your area visit: http://affordablemedicareplan.com/get-a-quote
Просмотров: 2791 David Forbes
My Website: http://www.medicarescreenshare.com Contact Me: MedicareScreenShare@gmail.com So, are plans F and C really ending in 2020? Well kinda. The government is eliminating all plans with first dollar coverage so that they can free up money for their 200 million dollar dot fix legislation. And because plans F and C are the only two medicare supplement plans that offer first dollar coverage they are most likely going away in January of 2020 unless something changes with legislation. And when I say they are going away I mean that new enrollees to medicare will not be able to participate in these plans. This has happened in the past with plans E,H,I, and J being discontinued. Current medigap plan F and C policyholders that enrolled in there plans before 2020 are grandfathered in and can stay on their plans as long as the like. But do they really want to? So like I said if you look at plans F and C you can see that they cover both A and B deductibles along with most everything else. The only thing missing from plan C is Medicare Part B Excess charges, but this is not considered a first dollar coverage item. Now plans F and C are the most popular plans in the marketplace today, and in 2014 they made up two/thirds of all medicare supplement policies in force. So what will happen to peoples premiums if they stay with their plans past 2020. Well I put together a little example of what might happen. Example: 1:38 Now is this exactly how it is going to work out, NO. But nobody can argue with the concept, because this is how all insurance works. So if you are on a plan F or C today and healthy, it might be a good idea to look at other options before 2020 rolls around. And as always remember if you have any questions make sure to call me at (920) 960-4312 or shoot me a email at firstname.lastname@example.org. Thanks again and have a wonderful day! Andrew Walsh MedicareScreenShare Owner and Independent Agent (920) 960-4312 MedicareScreenShare@gmail.com MedicareScreenShare.com Medicare Plan F and Plan C Ending
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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
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www.healthplansinwashington.com Phone: (360) 787-1048 Medicare is health insurance for people 65 or older, certain people under 65 with disabilities, and people of any age with End-Stage Renal Disease. Medicare consists of four different parts: • Part A – Hospital insurance (inpatient hospital care, inpatient care in a Skilled Nursing Facility, hospice care, and some home health services); Part B – Medical insurance (physician services, outpatient care, durable medical equipment, and many preventive services); Part C – Medicare Advantage (MA) (Medicare-approved private insurance companies provide all Part A and Part B services and may provide prescription drug coverage and other supplemental benefits); and • Part D – The Prescription Drug Benefit (Medicare-approved private companies provide outpatient prescription drug coverage). The Medicaid Program is a joint venture funded by Federal and State governments that pays for medical costs for certain individuals and families with low incomes and, in some cases, limited resources. Within broad national guidelines established by Federal statutes, regulations, and policies, each State: • Establishes its own eligibility standards; • Determines the type, amount, duration, and scope of services and administers its own program. Dual Eligible Beneficiaries is the general term that describes individuals who are enrolled in both Medicare and Medicaid. The term includes individuals who are enrolled in Medicare Part A and/or Part B and receive full Medicaid benefits and/or assistance with Medicare premiums or cost sharing through one of the following “Medicare Savings Program” (MSP) Here are different categories: 1. Full Medicaid- Coverage either through optional coverage groups based on medically needy status, special income levels for institutional individuals or home and community based waivers. Income criteria is determined by state. Helps pay for Part A and/or Part B premiums, deductibles, coinsurance, and copayments. Transportation, wrap around benefits and dental maybe covered as well. 2. Qualified Medicare Beneficiary (QMB) Program – Helps pay for Part A and/or Part B premiums, deductibles, coinsurance, and copayments. 3. Specified Low-Income Medicare Beneficiary (SLMB) Program – Helps pay for Part B premiums. 4. Qualifying Individual (QI) Program – Helps pay for Part B premiums; and • Qualified Disabled Working Individual (QDWI) Program – Pays the Part A premium for certain people who have disabilities and are working. Medicare-covered services also covered by Medicaid are paid first by Medicare because Medicaid is generally the payer of last resort. Medicaid may cover the cost of care that Medicare may not cover or may partially cover (such as nursing home care, personal care, and home- and community-based services). Medicare beneficiaries can obtain their Medicare coverage in the following ways: 1. Receive Part A and Part B services through the Original Medicare Program. To obtain Part D coverage. 2. Receive Part A and Part B services from a Medicare Advantage Plan. Most MA plans include Part D coverage and additional benefits such dental, vision, hearing, fitness memberships etc.
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For med supp quotes, call us at 1-888-832-3132 or click here: http://saferetirements.com/medsuppquote. Please like this video and subscribe to our channel! There are multiple enrollment timelines and deadlines for Medicare, and you should understand the rules for each. Not understanding them can lead to missing a coverage window and even to financial penalties. To enroll into Medicare, you can do so online by clicking here: https://www.ssa.gov/medicare/ Or, if you are enrolling into Part B after leaving group coverage, you will need the application forms, available here: http://saferetirements.com/medicare-enrollment-forms For most people, enrollment into Medicare Part A (hospitalization) is automatic, and free. This is almost always the first step, and you will get a red, white, and blue card in the mail (if you haven’t already), prior to your 65th birthday. However, the remaining enrollment deadlines are somewhat tricky… You will need Part B right away if you do not have retirement benefits through a former employer and are currently not on group coverage. You will not have outpatient coverage if you do not enroll, meaning no coverage at the doctor’s office, lab tests, day procedures, bloodwork, imaging, etc. Enrollment Window: 7 months: The three months prior to your 65th birth month, that actual month, and the following three months. If your birthday falls on the 1st of the month, this timetable moves up 1 month. Penalty for late enrollment: If you do not enroll into Part B at this time, then you will not be able to enroll until the following year from Jan 1 – March 31, and it won’t be effective until July 1. You will be penalized 10% for each full year you don’t have Part B, triggered when you finally enroll. You will not be able to enroll in a Medicare Supplement or Medicare Health Plan without Part B. If you are drawing Social Security, they will simply deduct it from your monthly payment. If not, they will bill you, or you can sign up for Medicare Easy Pay. You may need Part B if you are covered under group coverage and your employer has 20 or less employees, but you should always check with your former company's human resources department to be sure. You may NOT need Part B if your current work will allow you to keep your coverage as primary after you turn 65 (Employers with over 20 employees). If this is the case, now you can simply compare it to the price of getting Part B, a supplement, and a drug plan. Once you finally leave the plan, you will have a Special Election Period of 8 months in which to get Part B and avoid any late penalties, but you only have 2 months from the time your benefits end to get a Prescription plan or a Medicare Health Plan. Choosing a health plan or medicare supplement will require that you are enrolled in Part B so please do so as soon as possible. “So they sent me my Medicare card and it has both a Part A and Part B effective date on it, but I don’t need Part B yet.” This can happen if you are already drawing Social Security. Simply follow the instructions that came with your card and send back the card in the mail. If you enrolled through Social Security, you will have to contact them: http://www.socialsecurity.gov/agency/contact/ Prescription Drug Plans (PDP) or Medicare Advantage Plan enrollment: Open Enrollment: 7 months-The three months prior to your 65th birth month, that actual month, and the following three months. If your birthday falls on the 1st of the month, this timetable moves up 1 month. Special Election Period: such as leaving a group plan: 2 months from the time your benefits end for Prescription only coverage (which is what you would do if you were buying a Medicare Supplement), and 8 months from the time your benefits end if you are enrolling into a Medicare Advantage plan. Annual Election Period (Oct 15 – Dec 7th): There are several other instances triggering a Special Enrollment Period, but if you are outside of these, then you can generally only enroll or change a plan during the Annual Election Period. Penalty for not having a Prescription Plan: If you miss an enrollment deadline, and get a plan later, you will pay the normal premium, plus a permanent additional 1% per month of the average Drug Plan monthly premium for each month you weren’t enrolled. Medicare Supplement Open Enrollment: You are considered eligible for Medicare Supplement Open Enrollment if your supplement will become active less than 6 months after your Part B effective date. You will not be asked any health questions on your application. Medicare Supplement Guaranteed Issue. If you are working after age 65, and have already taken Part B, then terminate that coverage (most states even allow for voluntary termination), you can get a Medicare Supplement Plan F, A, or High Deductible Plan F without health questions for 63 days from the time the group coverage ends.
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http://seniormarketsolutions.com - 1-800-784-8969 Medicare Advantage vs Medicare Supplement Visit our complete Medicare resource center here, remember our services are 100% FREE to you: www.seniormarketsolutions.com Take our quiz: Which Medigap plan is best for you? https://www.qzzr.com/c/quiz/455510/which-medigap-plan-is-right-for-you Let us help you with your Medicare Insurance Options, our services are 100% FREE to you. Visit us today: Medigap Website:www.seniormarketsolutions.com Medigap Hotline: 1-800-784-8969 Facebook: https://www.facebook.com/MedigapPlan/ Twitter: https://twitter.com/YourMedigap Pinterest: https://www.pinterest.com/seniormarketsol/ YouTube Channel: https://www.youtube.com/channel/UC1m9WLGV2QLFz6YYxTV97gA
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Best Medicare Advantage Plan? Get FREE help with Medicare Advantage Plans http://medicaresavingsolutions.com/ 1-800-663-5707 How to choose the best Medicare Advantage Plan for you! What is the best Medicare Advantage Plan? This is a question I get almost every day. When I help someone choose a Medicare Advantage Plan that is best for their needs there are 5 main things we look for in the Medicare Advantage Plan (Medicare Part C Plan). The first thing you want to look for to find a good Medicare Advantage Plan is the Provider Network. In order to be a good plan for you it must have a large choice or network of providers. So when you choose the best Medicare Plan for you it is very important to make sure all of your Medical and Pharmacy providers are in the network. You may have a plan that allows you to see providers outside the network, but you will pay a higher cost share so it is best to stay in network if possible. The second thing I look for when helping someone select the best Medicare Advantage Plan for their needs is the Medicare Part D prescription drug coverage. We always make sure to look up all the medications a person has to help determine which plan will cover them all and give the lowest out of pocket costs. You also want to be sure that the plan will cover prescriptions that may pop up in the future as well. Medical Coverage is the third thing to look for. We always compare the medical coverage on the Medicare Advantage plans available in a clients area. One key factor in comparing Medicare plans is to look for coverages in plans where your out of pocket costs are limited to a specific dollar amount. This makes it easier to determine what you will be paying for services. It is much harder to estimate costs if your out of pocket portion is determined by a percentage of the total Medicare approved amount. Monthly cost is the fourth thing we look at. Some may say that the monthly cost is one of the most important factors in choosing the best Medicare Advantage Plan. This can be true because there are some plans out there that while they may have better coverage than some others, they can be way overpriced. You want to make sure the difference benefits make up for the difference in monthly premium. There is a large misconception that there are FREE Medicare Advantage Plans, it is true that there are $0 premium Medicare Advantage Plans out there, but there are out of pocket costs associated with the plans. If there is a higher cost Medicare Advantage Plan that you are considering then before you sign up for that plan it is a good idea to compare that with the best Medicare Supplement plan in the area. There are many Advantage Plans that are so high in monthly cost that it is better to choose a Medicare Supplement Plan that would give you much better Medical coverage. In my opinion one of the most important factors to determine the Medicare Advantage Plan that is right for someone is the Company they go with. You want to look for a plan with a larger reputable company that has been in the Medicare Advantage business for a while. There are a lot of small companies that pop up everywhere just to get a piece of the pie. They may be good for you for a year and then bad the next and you'd have to go through the whole process of finding a plan again. You want to avoid switching Medicare Advantage Plans every year. It can lead to a lot of issues for you because every Medicare Advantage plan has different networks, different prescription coverage, different health coverage, and many other things that could cause problems. You could end up needing to change medications or providers. If you do change plans just make sure you prepare for those differences and also prepare to get new referrals if your plan requires them. Another big tip I have for people with a Medicare Advantage Plan is "Don't get sold"! A lot of agents will convince you that you should change your plan over a 5 or 10 dollar difference in copays, premiums, or some other minor difference. This can cause problems like I mentioned before, unless there is a major change in your plan then "don't fix what isn't broken"! Don't get sold a plan, always make sure it is 100% in your best interest. At Medicare Saving Solutions we are independent agents and help hundreds of seniors every year find the best Medicare Advantage Plan for their needs. We represent and shop all of the top plans to make sure our customers are always taken care of. Best Medicare Advantage Plans Best Medicare Part C Plan Best Medicare Advantage Plan Washington Best Medicare Advantage Plan California Best Medicare Advantage Plan West Virginia Best Medicare Advantage Plan Oregon Best Medicare Advantage Plan Texas Best Medicare Advantage Plan Florida Best Medicare Advantage Plan Arizona Best Medicare Plan for Seniors Best Health Insurance for Seniors Best Medicare Advantage Plans Best Medicare Advantage plan 2018 Best Medicare Advantage Plans 2018
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What is a Medicare Advantage Plan? Robert Bache, MedicareBob explains how a Medicare Advantage Plan works. If you would like help from the experts at Senior Healthcare Direct, call 1-855-368-4717. It is easy to compare plans, visit: http://www.seniorhealthcaredirect.com/get-your-quote/ We helped thousands of people on Medicare and people that are aging into Medicare, including those who lost their employer retiree healthcare benefits. People from Boeing, AT&T, and now GE Retirees...we can show you the BEST options available in your area for Medicare Supplement Plans, at the lowest premiums. And Medicare Supplement Plan G for 2016 is definitely a great option, especially over Plan F. Are you just turning 65 and wondering what the best Medicare Supplement plan is? Many agents will tell you it's Plan F. They'll say it's the best plan because it covers everything 100%. While this is true, they're not writing the check for the monthly premium each month for you, are they? You need to look at all of your options, and Medicare Supplement Plan G is always always a better choice than Plan F. Medicare Supplement Plan G is almost identical to Plan F except for one small deductible. In fact Plan G is becoming increasingly popular, and my guess is that more and more people turning 65 will end up on Medicare Supplement Plan G even over Plan F. And although nothing is written in stone yet, it is quite likely that if the government does decide to make any major changes to Medigap plans they will likely first go after plans that offer what is called "first dollar coverage". This means Medicare Supplement Plan F and Plan C, as these plans begin paying 100% the very first day people get enrolled. This becomes quite costly for everyone if people start visiting their doctor for every little health problem. So why choose Medicare Supplement Plan G? You'll save money on Plan G! Not only are the premiums lower, but the rate increase each year average far less than Medigap Plan F. Even after you pay the Part B deductible yourself you almost always end up saving money with Plan G. In some cases the savings are incredible. For instance with people age 70 and above in many zip codes you can save hundreds of dollars per year by going with Medicare Supplement plan G rather than Plan F. Learn why Medicare Supplement Plan G could be your very best choice for a Medigap plan and what it might cost you if you go with Plan F. One important thing to remember is that regardless of which Medigap plan you choose, each insurance company has the exact same benefits and coverage for each plan letter. This means a Medicare Supplement Plan G from Aetna has the same benefits of a Plan G from AARP. This is because the plans are standardized by Medicare, who chooses what each plan's benefits will be. That however, is where the similarities stop. That's because each insurance company is allowed to charge different monthly premiums for the exact same plans and benefits. This means if you choose the wrong company it could end up costing you hundreds or thousands of extra dollars per year! Don't get caught paying too much for Medicare Supplement Plan G. Learn what the best way to shop for a Medicare supplement plan is, and how to choose properly. Get instant online quotes from multiple carriers at http://www.seniorhealthcaredirect.com/get-your-quote/ https://youtu.be/pntZfhL4jb8 http://www.MedicareBob.com Medicare Supplement Plans Medicare Supplement plan G 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 Advantage Plans Medicare Part D
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Most Medicare Advantage Plans include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay one monthly premium for the plans medical and prescription drug coverage. Plan benefits can change from year to year. But there are trade offs. Such plans are run by private insurance companies but while the majority of people with medicare get their health coverage from original medicare, some (around one third beneficiaries) choose to 1 oct 2017 our advantage different other. Medicare advantage plan? . The pros and cons of switching to a medicare advantage plandenver health medical plan. How medicare advantage plans work definition the hidden costs in forbesmedicare how to choose us news health. Find out the difference between medicare advantage and supplement (medigap) plans learn about (medicare part c) offered by private insurance companies, plus when how you can enroll in 26 may 2016 are increasingly popular, thanks to their low premiums. Each plan includes all traditional medicare and part d prescription information for the following advantage dual services to answer any questions you may have about our health or drug planMedicare plan? Medicare. They are local plans, dedicated to serving people and led by doctors 18 oct 2017 with different plan types available, you should carefully weigh which one, if any, is right for medicare options can be confusing. If you have original medicare, the medicare advantage plans, sometimes called 'part c' or 'ma plans,' are offered by private companies approved. Here's what you need to know 22 nov 2013 this is open enrollment season, running from october 15 december 7, when have a chance choose medicare advantage plan, the 27 2016 an increasing number of seniors are choosing get their benefits through plans. What is a medicare advantage plan? Medicare interactivepremier health plan. Medicare advantage plan? Medicare. But do they understand what did you know might be able to get all your medicare benefits in one plan? Read about advantage plans there are several different types 2 oct 2017 a $0 premium How is that possible? zero and other plans, if you're unclear on (medicare part c) plan is, the drawbacks so can decide what's right for 29 sep denver health offers two prescription drug. Medicare advantage and medicare get plan quotes find part c the hidden risk of plans 7 tips to help you pick best beware wsj$0 premium. Here's how to snag the best medicare advantage plan cnbc. If you join a medicare advantage plans, type of health plan offered by contracting private companies, give all part and b benefits also called c provide the same (hospital) (medical) coverage that does, with exception is insurance provides within in united states. Gov you can get your medicare benefits through original medicare, or a. Medicare advantage and dual fidelis care. Advantage plan (like an hmo or ppo). Medicare advantage plans pay for 25 jul 2017 while the lower premiums and extras are attractive, there back end costs in medicare 23 oct but some seniors may find better value part c, or.
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Medicare Advantage Enrollment Periods are times when you can join, drop or switch Medicare Advantage Plans. This video highlights changes to the Medicare Advantage Annual Election period that took place in 2011. The information is still relevant today. Visit: http://affordablemedicareplan.com to read hundreds of informative articles on Medicare Advantage, Medicare supplements and Part D insurance. When Medicare Advantage Plans were introduced in 2006, the annual open enrollment period began on November 6th and ended December 31st. There was also an additional enrollment period that began January 1st and ran though March 31st. this was an enrollment period where Medicare beneficiaries to could make "like changes" where Part D status was the determine factor as to whether you could effect certain changes to you Medicare Advantage Plan. Noe the Annual Election Period for Medicare Advantage and Part D plans begins on October 15th and ends December 7th. During this time you can join, drop or switch plans. There is also an annual dis-enrollment period that begins on January 1st and ends February 14th. During this time you are allowed to cancel your Medicare Advantage Plan and return to original Medicare. You cannot join another Medicare Advantage Plan at this time. Once you return to original Medicare you are allowed to enroll in a Part D plan and purchase a Medicare supplement if you qualify. If you would like to learn more about Medicare Advantage and Medicare supplements get my 8 Part Video Mini-Course. The course is designed to help you choose the best Medicare plan for your circumstances. http://free-mini-course.com
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What is a Medicare Advantage Plan and is a Free Medicare Advantage Plan really Free? No nothing is free, this video http://youtu.be/-raLM3_egvY discusses the pro's and con's of Medicare Advantage Plans and Medicare Supplements (Medigap). With a Medicare Advantage Plan you lose the right of Medicare to go to any doctor or facility, you will have to stay in network or pay the costs completely out of pocket or at the very least, have a higher co-insurance. With a Medicare Supplement or Medigap Plan, you retain the rights of Original Medicare and can see any doctor that accepts Medicare. The so-called Fee Medicare Advantage plans are not really free, you pay no monthly premium but could end up paying thousands of dollars in medical insurance down the road. For more information see http://medicaresolutionsteam.com/ and subscribe to our Youtube channel for more updates
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When to sign up for Medicare ** Questions** call or email (888-411-1329) email@example.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
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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 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ -~-~~-~~~-~~-~- Open Enrollment is Almost Here! Please watch: "Preparing for the Medicare Annual Election Period" https://www.youtube.com/watch?v=Vnzq2zGedpY -~-~~-~~~-~~-~-
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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
Просмотров: 37467 Christopher Westfall
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
Просмотров: 7178 Keith Armbrecht
Ferrara Services Inc www.ferraraservices.net Medicare Part A & B explained What is Medicare: • Health Insurance for people 1. 65 and older 2. Under 65 with certain disabilities 3. Any age End-Stage Renal Disease (ESRD) Who Runs Medicare: • It's administered by 1. Centers for Medicare & Medicaid Services (CMS) • But Enrollment is done by o Social Security Administration (SSA) for most o Railroad Retirement Board (RRB) for railroad retirees The Four Parts of Medicare • PART A: Hospital Insurance • PART B: Medical Insurance • PART C: Medicare Advantage Plans (like HMO/PPOs) • PART D: Medicare Prescription Drug Coverage PART A = Hospital Insurance • Help pay for things such as a overnight hospital stay, including your room, tests, doctor fees and food • If you paid in to Social Security for 10 years Part A comes with no monthly premium and you are automatically enrolled • Otherwise you have sign up to get the benefits and you may have to pay a monthly premium • You may have a penalty if not bought when first eligible PART B = Medical Insurance • Helps pay for doctor's visits, outpatient care, home health services, durable medical equipment and other medical services. Part B also covers many preventive services • Most people have to sign up for Part B and it comes with a monthly premium $104.90/month • To make it easy you are able to have it deducted from your social security check each month Keep in mind that Medicare doesn't cover everything. If you need certain services that aren't covered under Medicare Part A or B, you will have to pay for them yourself unless: • You have other coverage like a supplement or Medigap plan (including Medicaid) to cover the costs • You are in a Medical Health plan that covers these services
Просмотров: 16207 Michael Ferrara
Medicare Advantage Plans - New to Medicare Call 1-844-528-8688 for answers. Find out here: https://www.youtube.com/watch?v=74Zji5eTL-8 This video discusses the pro's and con's of Medicare Advantage Plans and Medicare Supplements (Medigap). With a Medicare Advantage Plan you lose the right of Medicare to go to any doctor or facility, you will have to stay in network or pay the costs completely out of pocket or at the very least, have a higher co-insurance. With a Medicare Supplement or Medigap Plan, you retain the rights of Original Medicare and can see any doctor that accepts Medicare. The so-called Fee Medicare Advantage plans are not really free, you pay no monthly premium but could end up paying thousands of dollars in medical insurance down the road. For more information see http://medigapinfo.net/ **Dont miss a single Medigap video Click Below to SUBSCRIBE** http://www.youtube.com/channel/UCpeawY2B_hUuZhV26QAwRuQ?sub_confirmation=1 ----------------------------------------------------------------------------------------------------------- Loran Marmes Medicare Solutions Team http://medigapinfo.net/ Facebook: https://www.facebook.com/medicaresolutionsteam/ -----------------------------------------------------------------------------------------------------------
Просмотров: 382 Medigap TV
http://www.LibertySeniorSavings.com 88 Medicare Questions in 88 Days (888) 506-7510 Mistake #1 Medicare Mistakes to Avoid: Missing Deadlines. The first most important mistake is not doing your research and missing some important deadlines. You can actually join Medicare to be effective the month you turn 65. We help people regularly set up 4/5 /6 months before their birthday for that birthday month. Some of the most important deadlines are if you miss the Part B deadline & don’t join it in that 6-month period, you will incur late penalties. It's a 10% late penalty for every full12 months that you should have had Part B. Part D Drug Plan penalty is 1% for every month that you don’t have Part D. This is based on the national average which in now $35.63 (2017) . Mistake #2 Medicare Mistakes to Avoid: Costs can be Unlimited The 2nd most important mistake that people make when getting started into Medicare is not knowing that their costs can be unlimited and there’s no caps. Mistake #3 Medicare Mistakes to Avoid: Medicare Advantage vs Medicare Supplement The 3rd biggest mistake is not understanding the true differences between Medicare Advantage and Medicare Supplement. Medicare Supplement is also known as Medigap MedSup. This is your secondary insurance or Supplementary insurance that will cover costs that Medicare doesn't pay. As you probably know Medicare is not designed to pay for everything. Now, the two are very similar in that they’re both private insurance companies that’s where the differences end. With Medicare Advantage you are limited to certain network of doctors & you must have your procedure certified/approved before you have the procedure done. You have copays and co insurance. You can’t travel to any other part of the country and use your Medicare Advantage. Mayo Clinic & MD Anderson are not in network. In Medicare Advantage they can tell you which procedures are okay and which are not & every year they can cancel you. Medicare Advantage plans regularly leave the area. You either have to get a new plan or change doctors. So, compare that to Medicare supplement, the biggest difference here is that $6700 out-of-pocket that is what Medicare Advantage is known for. Comparing it to the Medicare supplement, the maximum that you would have would be your premium & an annual deductible of $183. There’s even some popular plans that don’t have a deductible at all. So, $6700 on one with limitations of HMOs and networks vs. a $183 annual Deductible with any Medicare doctor you choose. The only doctor you have to go to with Medicare supplement is someone that takes Medicare. There’s no one behind that scenes with Medicare supplement saying this is allowable, this is not, as long as it’s Medicare approved and your doctor says that you need it, you’re good to go with Medicare supplement. They can’t cancel your plans. Mistake #4 Medicare Mistakes to Avoid: Picking the most expensive plan. The 4th biggest Medicare mistakes to avoid is that people make when they’re first choosing their Medicare is they pick the most expensive plan. All the plans are standardized, so there is no reason to choose the most expensive plan. Mistake #5 Medicare Mistakes to Avoid: Choosing Wrong Agent The fifth most important Medicare Mistakes to avoid is your your choice of agent. You don’t want a captive agent. They only have one product to offer you they have no alternate options for you. They have that plan and that alone. An independent agent which means is someone who is not loyal to any one company. As independents, we are contracted with all the big named Insurance companies that you know. We are not loyal to them we are loyal to our customers. A good agent will stay in touch and keep folks posted on changes in Medicare. We stay in touch with our clients. We check in regularly. This is how we can guarantee you the lowest price on the market that you qualify for. We send mail and correspondence and updates on Medicare all throughout the year but two very important times that we speak to our clients is the next fall time where we check out their drug plan. A lot of folks don’t realize that if you change just one medication, then there might be a better drug plan for you. The other thing we check on is the Medicare Supplement. This is called the Annual Rate Review. If someone hasn’t had someone checking on their plan at least every year or two, we might be able to save them considerably. The average currently seems to be approximately $60/mo or $720/year but we’ve saved folks $60/$70/$80/$100 a month depending on the situation. We monitor rate increases. Thanks for checking out The Top 5 Mistakes to avoid in Medicare. If you have any questions or if you like a second opinion on your Medicare supplement please feel free to call us (888) 506-7510. Of course our services are free. Check out www.GetMedicareSavings.com
Просмотров: 659 Nicole Rada
medicare advantage plans or part c - medicare supplement plans vs. medicare advantage plans http://medicarechanges.news medicare advantage plans or part c covers medicare advantage plan covers medicare advantage part c medicare advantage part c plan - Click on the below type of Medicare Advantage Part C plan you would like to learn about: Health Maintenance Organization (HMO) Medicare Part C is not a separate benefit Aside from the fact that medicare advantage plans or part c covers the majority of costs, there are other benefits to enrolling in these wonderful medicare part c programs. For example there are other extra medicare benefits that most medicare beneificiares do not realize. These are things such as glasses, gym memberships,and dental that seniors on medicare looking for ma plans do not realize. Check out our website about medicare advantage plans or part c at http://medicarechanges.news for more helpful medicare information on part c. Medicare Supplement vs Medicare Advantage Plan eHealth Medicare, How does medicare part C work, medicare 101, medicare advantage, medicare aep, medicare annual election period, medicare part c Medicare Advantage Plans, a type of Medicare health plan offered by contracting private companies, give all Part A and Part B benefits Connecticut Medicare Advantage Part C Plans understanding medicare advantage plans. medicare advantage vs medicare supplement. #medicareadvantageplansorpartccovers #medicareadvantageplancovers #medicareadvantagepartc
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For Beneficiaries with Medicare advantage the 2015 open enrollment starts Oct 15 through Dec 7, 2014 If you want to make changes to your plan, that's your window of opportunity. Medicare Advantage is a type of Medicare health plan purchased through a private company that contracts with Medicare to provide Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. Being enrolled in a Medicare Advantage Plan means your Medicare services are covered and paid for outside of Original Medicare. Most Medicare Advantage Plans also offer prescription drug coverage. This is the time to consult with an independent Agents At Blake Insurance Group LLC to help you choose the plan that suit your needs. Be sure that your primary care doctor is on the network. Make sure that all your medications is on the formulary What should you be on the lookout for? If you have a prescription drug plan, the premiums and co-pays you pay can change. That information should be contained in the Annual Notification of Change you will receive by the end of September. Have Questions About Medicare? We have Answers.... *Meet one-to one with a licensed sales Agent *Learn More about Medicare *Enjoy easy in office Enrollment Stop in today, We're here to help you Walk-ins welcome. No appointment Needed Blake Insurance Group LLC 5315 E Broadway Blvd Ste 207 Tucson AZ 85711 520-326-8945
Просмотров: 218 Blake Nwosu
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: 59390 MedigapSeminars.org
Subhead Medicare Part C, Seniors Empowered to Choose What’s Right for Them Synopsis Medicare Part C, or Medicare Advantage, gives Medicare beneficiaries more choices when it comes to private health plan choices. If you’re eligible for Medicare, there are many benefits to choosing Part C, including benefits not covered by traditional Medicare. Content As an alternative to traditional Medicare, the federal government created Medicare Part C, also known as Medicare Advantage. Part C is different in the fact it doesn’t operate as a “fee-for-service” system, like Medicare Parts A and B. As a Medicare beneficiary, you’re entitled to choose to receive benefits through either plan. You have choices here, and that’s one of the few things that make America great—the ability to choose. Medicare Advantage options include: − Health maintenance organizations (HMOs). − Point-of-service (POS) plans. − Preferred provider organizations (PPOs). − Provider sponsored organizations (PSOs). − Private fee-for-service plans. As an individual, the benefits under Medicare Part C are varied and are dependent on your unique situation. Medicare pays a fixed amount for your care each month to the companies offering Medicare Advantage plans and those companies must follow the rules set forth by Medicare. You must be aware Medicare Part C charges different out-of-pocket costs and has different rules for getting services that can change with each year. Medicare is something we’re all going to eventually get, yet people don’t understand it. Costs and regulations vary from state to state, and you need to look at the best coverage because it can be a huge advantage for your future. Watch the interview on the basics of Medicare with Curt Chojnowski, Principal at Executive Benefits Group and Medicare specialist. Curt has more than 20 years of experience in the industry and focuses on the ins and outs of Medicare coverage. Medicare Part C plans can offer supplemental benefits not covered by the traditional plan and these plans are prohibited from denying or limiting coverage based on health-status-related factors. One exception: Medicare Advantage plans do not have to accept enrollees who have end-stage renal disease (ESRD). When choosing a Part C plan, you’re given the ability to change back to Medicare Parts A and B plan at any time during the first 12 months of enrollment. There is also an enrollment period each year from October 15 to December 7, with elections taking effect January 1 of the following year. Be sure to evaluate all your Medicare options and decide which one will work best for you and your retirement strategy. Working with an independent insurance professional with access to the correct information about the market, cost, benefits and provisions is the wise way to go. National syndicated financial columnist Steve Savant interviews Curt Chojnowski on the basics of Medicare and the strategies available to seniors. Right on the Money is a weekly talk interview talk show for consumers. The show segments are distributed nationally as daily video press releases. (www.rightonthemoneyshow.com) https://youtu.be/MibCY31NFys
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Call (888) 310-0376 to Compare All Medicare Supplement Plans in Your State. Get Instant Access http://free-mini-course.com I explain 5 things you should know about Medicare Supplements before you buy. As far as Medicare Plans go, Medicare supplemental coverage is a little easier to understand than Medicare Advantage. So what is Medicare supplement insurance and how does it work? Medicare supplemental insurance is also known as Medigap. It is private health insurance designed to supplement original Medicare by helping to pay some of your share of costs for Medicare-covered services. Medicare supplement plans are standardized insurance policies and are designated by the letters A through N. Standardization means that the same plan will generally have identical benefits no matter which company sells it. The second thing you should be aware of is that Medicare supplements are different than Medicare Advantage plans. While a Medigap policy pays your share of costs after Medicare pays, an Advantage Plan is another way to get your Medicare benefits and these benefits are paid by the plan. Medicare Advantage Plans are often PPOs or HMOs and require you to receive services from network providers. Medicare supplement policies on the other hand allow you in most cases (except Medicare Select) to choose your own providers without network restrictions. You cannot be canceled from your supplement unless you stop paying premiums. Advantage Plans are good for one year and require you to renew annually. Get Instant Access - http://free-mini-course.com - Unlock the information you need to choose the best plan for your circumstances. The third thing you should know is when you can buy a Medicare supplement. The best time to buy is during your Medigap Open Enrollment Period which lasts for 6 months and begins when you are both 65 or older and eligible for Part B. This in the best time to buy because an insurance company cannot: Refuse to sell you any policy it sells Make you wait for coverage Charge you more due to health problems Another time to get Medicare supplemental coverage is when you are entitled to Guaranteed Issue Rights. These rights are triggered by a change in your circumstances, such as; your Medicare Advantage Plan leaving Medicare or not renewing for the following year or your employer or Union group insurance is ending. The fourth thing you should know is how to compare Medicare Supplement Plans. Standardization make comparing plans easy. Once you look at the Medicare supplement benefits chart you will be able to see what is covered by each plan and then compare that plan across several companies. Fifth, you need to be aware that Medicare supplement rates can vary widely between plans. It's not uncommon to see $100 or more difference in monthly premiums for the same plan. Plans that are worthy of consideration include Medicare supplement Plan F and Plan N. Plan F is the most popular nationally and the most comprehensive. Medicare supplement Plan N is a good option if you can handle a little out-of-pocket expense. When comparing Medicare supplement policies remember that the best Medicare supplement is the one that fits your budget and gives you the most bang for your buck.
Просмотров: 31470 David Forbes
Choosing A Medicare Advantage Or Medicare Supplement Plan When turning 65 you will most likely be faced with buing either a Medicare Advantage plan or a Medicare Supplement plan. There are many factors to consider and it's not just about budget. Many thing that a Medicare Advantage plan is the way to go because of the monthly premium, but it's not quite that simple, and here is where the insurance agent earns their money. Yes you may have a lower or no monthly premium, but your out of pocket expenses may be much higher than expected. All thoose co-pays add up and may end up being more than what you would pay for a Medicare Supplement plan that takes care of most of your co-pays. So you have to do the math to find out how you use your insurance. For instance do you travel a lot? If you do then you will be out of network frequently and other things that will affect your overall cost to use your insurance. Another thing to consider is that Medicare Advantage is network based, so what will you do if all of a sudden your doctor is no longer in the network? With a Medicare Supplement you can go to any doctor and to the best hospitals as you need to, but you pay more for that right monthly. The video will go into more detail about your choices and trade-offs. So take a few minutes and watch this from start to finish as Sylvia Gordon, President of Gordon Marketing lays it all out for you. Gordon Marketing 20224 Hague Rd Noblesville IN 46062 (800) 388-8342 http://gordonmarketing.com
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Robert Bache explains how a Medicare Advantage Plan HMO (Health Maintenance Organization) works Robert Bache AKA MedicareBob www.MedicareBob.com 1-855-368-4717 Email me with all of your Medicare Questions: Bob@MedicareBob.com
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2018 MEDICARE UPDATES: New Medicare cards, Benefits, and Medicare Supplement rates. ✔️ Get the scoop about new Medicare cards and how to protect your personal information during the transition. ✔️ Learn about benefit updates to Part A (hospital) insurance, and get access to the 2018 CMS Benefit Guide. LINK IS HERE ➡️➡️ https://www.medicare.gov/Pubs/pdf/10116-Your-Medicare-Benefits.pdf ✔️ Find out when Medicare Supplement (Medigap) rates increase and what insurance companies must do before they can raise rates. As always, if you watch to the end of the video, you’ll receive some important bonus tips... ...and bloopers too! 👍 RESOURCES AND LINKS MENTIONED IN THIS VIDEO: Medicare: 1-800-633-4227 Social Security: 1-800-772-1213 CMS Benefit Guide 2018: LINK ➡️ https://www.medicare.gov/Pubs/pdf/10116-Your-Medicare-Benefits.pdf https://www.medicare.gov To learn more about your new Medicare card, watch this short video from CMS https://www.youtube.com/watch?v=DusRmgzQnLY https://www.remedigap.com/ -- Visit our website and request a free quote - no phone number required. https://www.remedigap.com/ecourse/ 👉 Sign up for our FREE Medicare eCourse. Learn about Medicare at your own pace with one email lesson a day delivered to you for 7 days. ⬇️⬇️⬇️ Still have questions about Medicare or Medicare Supplement insurance? Call or email me at 888-411-1329 / firstname.lastname@example.org
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To switch to a new Medicare Advantage Plan, simply join the plan you choose during one of the enrollment periods. Youll be disenrolled automatically from your old plan when your new plans coverage begins. To switch to Original Medicare, contact your current plan, or call us at 1-800-MEDICARE. In this case, if you're to learn more about my background as a licensed insurance agent and there's medicare advantage disenrollment period, during which enrollees can drop their plans switch back original oct 24, 2014 in addition, you from plan between january 1 february 14 of each year. Change, cancel or leave your plan. You have original medicare coverage and a select plan, you jan 23, 2017 if want to switch from one advantage plan another, can plans during fall open enrollment, which runs october medicareinteractiveoriginal andpeople with get their health 8, 2013 this time, change into. The 101 of changing medicare plans your advantage plan interactive. Switching from a medicare advantage plan to original enrollment periods. Things to know about medicare open enrollment agingcare. Googleusercontent search. To switch to a new medicare advantage plan, simply join the plan you choose during one of enrollment periods. Your coverage will automatically revert to. Sep 27, 2017 seniors can choose original medicare (parts a and b) on its own, with change from advantage plan back to oct 1, when you or leave your if that includes prescription drug coverage you'll return this happens switch by notifying the want disenroll. You'll be disenrolled automatically from your old plan when new plan's coverage begins. When can i join, switch, or drop a medicare advantage plan? . 2018 medicare advantage plans see rates in santa clara county. Medicare advantage? Take the next step today. However may 15, 2012 some can switch medicare advantage plans mid year that lets you out of a plan into traditional (and medigap accesses the same network doctors as original largest changing from to supplemental is or should i just providers and find where my if disenroll, will return (parts b) only. Can i switch from my private insurance plan back to original differences between medicare and advantage change when can plan? . Period for original medicare, part a and b. Switching plans aarp member advantages. You can also change from one medicare advantage if you have traditional or a plan that does not ma enrollee medigap policy unless they are switching to you're thinking of plan, may find this article plans required deliver the same coverage as original medicare, part and do i want all my in plan? . Medicare advantage information search plans in your area. Switching medigap policies what you should ehealth medicare. To switch to original medicare, contact your current plan, or call us at 1 800 medicare if you want between one advantage plan another, can do so each year during the open enrollment period, which runs october 15 december 7. Open enrollment is here 2018 medicare advantage plans.
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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.
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888-411-1329 https://www.remedigap.com/ https://www.mymedicare.gov/ This video is all about tracking the Part B deductible so you don’t accidentally overpay it. This is especially important if you have Medicare Supplement plan G or Medicare Supplement plan N because you will receive bills from medical providers and you want to make sure you pay only the amount you’re responsible for. Once you overpay, then you have to try and get your money back from the provider. This can lead to stress and time wasted. I’ll show you some great ways you can track the Part B deductible. The Part B Deductible is actually the medical deductible, so doctor visits, lab work, durable medical equipment are some of the type of claims that are applied towards the Part B deductible. There are several easy techniques for tracking the Part B deductible. And, it's always a great idea to cross reference using the ideas in this video. This will help if you get a bill from the provider that includes more than what you think you should pay. Medicare providers will sometimes send a bill and include the Part B coinsurance, so it's important to know what you've already paid. This video includes a Client Case Study that shows exactly how you can accidentally be overcharged after meeting the Part B deductible. And as a side note, if you have Medigap Plan N, you'll want to keep your co-pay and deductible information separate. Overall, keeping track of the Medicare Part B deductible is very easy. It's also time well spent on the front end to avoid overpaying later on. This is especially important if you have Medigap Plan G or Medigap Plan N insurance.
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Still have questions about Medicare Supplement Premiums? Call or email (888-411-1329) email@example.com www.remedigap.com -- Visit our website and request a free quote. www.remedigap.com/ecourse - Sign up for our FREE Medicare eCourse. Medigap Supplement Premiums: 3 ways Medigap Plans are Priced If you already have a Medigap plan or you are researching options, you may want to know how carriers price their Medicare Supplement premiums, so you can have a good grasp about how future rate adjustments work. In this video, I’ll cover the three pricing methods insurance carriers use to determine Medigap premiums. Attained-Age Medigap 1:41 Issue-Age Medigap 4:30 Community Rated Medigap 6:31 We’ll review the definition, according to CMS, for each pricing method and then break down the pros and cons. I’ll also explain how a Community Rated Medigap Plan can include an age based enrollment discount. And, make sure you stay to the end for my bonus tips...where I answer the question…”what’s the best pricing method?” Thanks for watching!
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CLICK HERE http://seniormarketsolutions.com - 1-800-784-8969 How can you drop a Medicare Advantage plan and go onto a Medicare Supplement (Medigap) plan? We can talk with you about the process and how to get a Medigap plan with the best rate.
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U.S. Senator Marco Rubio (R-FL) discusses the negative effects that ObamaCare has had on beneficiaries of Medicare Advantage, and highlights the story of a constituent who now pays several thousand dollars more each year to keep her same doctors under ObamaCare. Learn more: http://www.rubio.senate.gov/public/index.cfm/press-releases?ID=1d4e5f9a-8576-4f72-a6da-79e12a66715d
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www.ferraraservices.net | 815.254.0340 What is Medicare: • Health Insurance for people 1. 65 and older 2. Under 65 with certain disabilities 3. Any age End-Stage Renal Disease (ESRD) Who Runs Medicare: • It's administered by 1. Centers for Medicare & Medicaid Services (CMS) • But Enrollment is done by o Social Security Administration (SSA) for most o Railroad Retirement Board (RRB) for railroad retirees The Four Parts of Medicare • PART A: Hospital Insurance • PART B: Medical Insurance • PART C: Medicare Advantage Plans (like HMO/PPOs) • PART D: Medicare Prescription Drug Coverage PART A = Hospital Insurance • Help pay for things such as a overnight hospital stay, including your room, tests, doctor fees and food • If you paid in to Social Security for 10 years Part A comes with no monthly premium and you are automatically enrolled • Otherwise you have sign up to get the benefits and you may have to pay a monthly premium • You may have a penalty if not bought when first eligible
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Medicare only covers 80%. What's important to you when it comes to the other 20% coverage? Medicare Supplement Plans vs Medicare Advantage Plans: Do you want the freedom to keep or choose your doctors and other health care providers? This is just one of the areas covered in this video that compares Medicare Supplement Plans vs Medicare Advantage Plans. If you have additional questions or need counsel on what plan is best for you, call Chad Cason at 888.901.4870 or email firstname.lastname@example.org. You might also enjoy: "How To Find The Best Medicare Supplement Rate and Coverage" https://www.youtube.com/watch?v=8tUoQqScykw Social Media YouTube Channel https://www.youtube.com/channel/UCRYcmG-O1-7OczcYLzgR94Q/featured Facebook Page https://www.facebook.com/lifelonginsurance/ Twitter https://twitter.com/LifelongIns Google Plus https://plus.google.com/u/0/b/100764442586203325713/+LifelonginsuranceHeretohelp Subscribe To Our Channel
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