Medicare Supplemental plans in Tennessee

Tennessee Medicare Supplemental plans are for those receiving benefits from Medicare, Medicare Part A and Medicare part B, and want to keep their out-of-pocket costs low. All plans are standardized by the government. Each insurance carrier must provide the same benefits across letter plan. However, insurance companies can charge a different amount for each plan depending on your age, location and other factors. Once you choose a plan that gives you the benefits you need, it’s important to compare rates between the different carriers.

General Information on Supplemental insurance options in Tennessee

Again, no matter which carrier you select for coverage, the core benefits will remain the same. Your policy cannot be cancelled for any reason, unless you fall behind on your premiums, as long as you enroll during your open enrollment period. The plans are also guarantee issue if you apply during your OEP.

Tennessee Medicare Supplemental Plans don’t cover hearing aids or eyeglasses, nor do they provide substantial coverage for private-duty nursing or long term care. Premiums vary by the level of coverage desired. As with any other type of insurance plan, paying higher premiums lowers out-of-pocket costs, while lower premiums means you will incur higher out-of-pocket cost.

Eligibility for Tennessee Medicare Supplements

You should enroll in one of the Tennessee Medicare Supplements within six months of turning 65 and being enrolled in Medicare Part B to avoid underwriting. If you enroll during this time, you will not be denied coverage. Your health conditions and medical history are not factored into the equation. You cannot have a TN Medicare Advantage plan and a supplemental plan at the same time. You can apply for Tennessee Medicare Supplemental insurance while covered under a Medicare advantage plan, but you must not be enrolled in it when your plan becomes active.

AZ Medicare Supplemental Insurance Carriers

It works with all the top carriers like Aetna, Mutual of Omaha, Humana, and Blue Cross Blue Shield. At eMedicare Supplemental Insurance, we provide excellent customer service, quick claim payments, extensive knowledge and experience. We are dedicated to bring you the best Medicare supplemental plan price with great knowledge and all the plans we offer.

Eligibility for Tennessee Medicare Supplemental Plans under 65

If you’re looking for Tennessee Medicare Supplemental Policy for under 65 years old, you might have to do a little extra digging. States are not required to make it mandatory for an insurance carrier to offer these plans to those receiving Medicare benefits before turning 65. Tennessee is one of the states that don’t make it mandatory, however some carriers do still offer supplement plans in the state to those under 65.

Tennessee State Health Facts

  • The total number of Medicare beneficiaries in 2015 was over 1.1 million, that’s 17% of the entire state population.
  • In 2013, 14% of recipients were disabled, the other 86% reached the age of 65
  • 8% of those receiving benefits from Medicare in 2013 were diagnosed with end stage renal disease.

The best Tennessee Medicare Supplement health insurance

You have to consider your current and future, health risks to determine which TN Medicare Supplemental health insurance plan will meet your needs. If you’re in relatively good health, you can sacrifice benefits for a lesser premium. If you need more health care coverage, then you would be better met by a plan that offers more coverage. If you’re planning on traveling, then you may benefit from being covered by a plan that offers coverage for emergency foreign travel medical issues.

Learn more about Tennessee Medicare Supplemental Insurance rates. Our Tennessee Medicare Insurance brokers will help you compare Supplemental Insurance rates and plans in TN. To talk to a Tennessee expert in Medicare coverage call toll free 877-202-9248 today!

 

 

Researching Texas Medicare Supplemental Insurance

If you have Medicare or about to get Medicare you might be thinking about a supplemental plan, or maybe you just heard about supplemental insurance for Medicare. The government program Medicare is huge, period. Figuring out what it covers, the rates, all the different supplemental plans and if you need prescription drug coverage. It can be quite the task to research and figure everything out. That’s why we are here. We want to make this decision easy and affordable.

Where to start when researching Medicare supplemental insurance?

The best place to start is asking around about Medicare supplemental insurance to get a basic idea of what it is. This can be from friends, family, online and even licensed agents. Now sometimes people and even the internet might have the wrong information about supplemental health insurance plans. That is why it’s a good idea to talk to a licensed Medicare Supplemental agent. Here are a couple reliable websites that have great information.

Medicare.gov is a great place to start. This is a government ran site for Medicare, that you can trust. They have a search box that you can search for Medicare questions.

This is the official Texas department of insurance website. Here you can find information exclusively about Texas Medicare Supplemental Insurance.

eMedicare Supplemental Insurance has a free quote tool that allows you to compare supplemental insurance rates and plans. You can also contact a licensed insurance agent that is knowledgeable in everything about TX Medicare.

Medicare Supplemental Insurance Plans

There are 10 different MedSup (Medicare Supplemental) plans that are the same no matter what insurance company you partner with. What changes is the price known as a premium of the plans from company to company. When you call around don’t be pressured into buying right away. You want to ask questions, find rates and get a few Medicare supplemental recommendations. Licensed agents are the best to talk to as they usually know the ins and outs of Medicare and supplemental insurance.

Before you buy a Medicare Supplemental Plan

Things you should do before you buy a medsup plan.

  • Figure out what your paying for everything medical

This is a key to figuring out what plan to go with. If you don’t know what you’re paying for right now on medical bills you won’t be able to accurately choose a plan that suits your needs. Once you figure out what you’re currently paying on medical bills and doctors visits, you will be able to find a plan that suits your needs.

Learn more about Texas Medicare Supplemental Insurance rates, plans, and more at www.emedicare-supplemental-insurance.com/medicare-supplement-plans-texas.  Our Texas Medicare Supplemental Insurance brokers will help you compare Supplemental Insurance rates and plans. To talk to an expert in TX Medicare coverage call toll free at 877-202-9248.

Easiest way to Medicare Supplemental Insurance in Arizona!

There are ten different Arizona health insurance plans, and finding the one for your needs can be difficult. With eMedicare-supplemental-insurance.com it doesn’t have to be. In order for you to make the best decision on what plan to get you need to know the basics. This can take a lot of time to research. If you are not up to this, you can always call us! We are very knowledgeable in everything Medicare. We can help recommend a plan that suits your needs. If you want to do your own research please keep reading! Here are some pointers on selecting an Arizona Medicare Supplemental Insurance plan.

Understanding the Basics of Supplemental Insurance

First, you should understand what supplemental health insurance is. This type of insurance is a must for everyone that has Original Medicare Part A and Part B. It shields you against gaps in Medicare coverage, and the high cost of treatments, hospitalization, and even prescription drugs (If you chose Medicare plan D). When you have supplemental health insurance, your insurance provider pays the medical costs you may incur when you’re sick or injured. In 2015 there were almost 12 million Americans enrolled in Medigap!

Researching Medicare Supplemental Insurance

Now that you understand that supplemental insurance takes care of the original Medicare gaps, let’s dive into researching. Medicare has a lot of different parts that you need to understand before buying into it. You can find valuable information in this Medicare guide. You can also check out the government’s site at medicare.gov. Also you can view this Senior Health Medicare YouTube channel for quality information.

Finding a supplemental plan that works for you

Supplemental plans are all the same from company to company, but each company offers different prices. That’s why it is important to talk to a few different companies to get the best supplemental rates. Some brokers like us shop many different insurance companies to get the best Medigap plan rates. A great way to find the right plan for you is to call us. We ask you simple questions that allow us to recommend a plan for you.

Learn more about Arizona Medicare Supplemental Insurance rates, plans, and more at www.emedicare-supplemental-insurance.com/arizona-medicare-supplement-plans. Our Arizona Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Arizona.  To talk to an expert in Arizona Medicare coverage toll free 877-202-9248 today!

Basic Guide on Medicare Supplemental Insurance in Michigan

If you’re under 65 and disabled, you automatically get Medicare Part A and Part B. (known as Original Medicare) and after you received disability benefits from social security or certain disability benefits from the railroad retirement board for 24 months.

You should get a Medicare card in the mail during the 25th month you are receiving disability benefits. Even if you return to work, you can continue to get Part A benefits premium-free for up to 8.5 years.

If you have Amyotrophic Lateral Sclerosis (ALS), you automatically get part A and B in the month that your disability benefits begin.

What does Medicare Supplemental Insurance in Michigan cover?

As with seniors, Medicare requires those under 65 to meet deductibles before their Michigan Medicare Supplemental coverage actually begins. Even after part A and part B deductible has been met, co-insurance may require both Medicare and the patients to pay a portion of a medical bill. Likewise, co-payments or out of pocket cost are still due on some services that are partially covered by Medicare.

Medicare Deductible

Medicare Part A coverage has a deductible of $1,132. Your coverage doesn’t start until you have met this deductible for a period of time known as a benefit period. That begins on the day you enter the hospital or a skilled nursing facility and continues until you have not received hospital or nursing care for 60 consecutive days.

If you need hospital or nursing care after on benefit period has ended, you’ll have to meet the deductible again. There is no limit on the number of times you may be required to meet this deductible again.

Medicare Part B Coverage

Medicare Part B coverage helps with doctor care, home health care, lab test, outpatient care and other services from non-hospital providers. It has an annual $162 deductible, after which pays 80 percent of a pre-approved rate for services from health care providers other than hospitals. You are responsible for the remaining 20 percent. If your doctor charges more than Medicare’s rate, you’re responsible for the excess.

Michigan Supplemental Insurance plans can be a tough topic to research. With this blog and our knowledgeable agents, we can help assist you. We have been helping seniors with supplemental plans for over 12 years. Call our agents today to get a recommended plan that fits your budget and lifestyle. At eMedicare Supplemental Insurance we are dedicated to saving you time and money. Call us today at 877-202-9248.

5 BENEFITS OF MEDICARE SUPPLEMENTAL INSURANCE IN TENNESSEE AND HOW YOU CAN MAKE FULL USE OF IT

Using Medigap supplemental insurance can sometimes be confusing. Nonetheless, understanding the supplemental policy will help you figure out how much you will pay for Medical expenses. This is why it is important for you not to sign anything you do not understand, especially when it involves government documents.

Normally, there are new laws that surface each year so understand these change is very important. Having to choose which policy and to make full use of it means you must read the official government guide to the rules and regulations that must be adhered.

You should also have Part A and Part B whenever you buy a supplemental policy. The part B premium will be paid together with the premium on the gap policy you bought. Couples must have separate policies.

BENEFITS

  1. Filling In

Supplemental insurance (Medigap) generally covers gaps between what is needed by the seniors and what the government can cater for. These gaps are related to the coverage of prescription drugs or extended stay even cover related to traveling abroad.

  1. Hope For The Disabled

The medical costs for disabled people are often extremely high and are not covered by government insurance. Quite a large number of individuals are disabled and have difficulty paying their medical bills. Sadly, traditional government insurance only covers a fraction of medical treatment and expenses. The current government program is structured in such a way that it does not take part in costly dealings, especially with the disabled. This makes disabled people have to choose between their health and other necessities.

The uplifting news is there are many plans available disabled and other individuals looking to cover themselves for any health reason. This is particularly beneficial for people who are attempting not to go into debt for any medical reason. But, if a person remains in the hospital for an extended stay, the expenses do not cover in such situations. This leaves the person to pay hundreds or even thousands of dollars in medical centers.

  1. No Restriction

You can keep your health care providers so long as they are already working with Medicare because Medicare plans automatically pay their share of Medicare-covered expenses. Medicare insurance doesn’t restrict you to just one provider network or the need to see a specialist through referrals because Medicare Advantage plans already have such requirements.

  1. No Cost of Extra Coverage

Many individuals are worried about the cost of extra coverage. Medicare supplemental insurance in Tennessee has many plans available for an emergency-only situation. You can find the right plan for your budget and need when you talk to as many agents as possible. More so, the premiums on emergency plans are usually reasonable.

  1. Simplified Retirement

Like accident and long-term care insurances, Tennessee Medicare supplemental insurance and Medicare Advantage plans can save you thousands of dollars over the years. Those reserve funds translate into riches and make retirement simple!

Learn more about Medigap plans & rates in Tennessee at www.emedicare-supplemental-insurance.com/tennessee-medicare-supplement-plans.  Our Tennessee Medicare Insurance brokers will help you compare medsup Insurance rates and plans today. To talk to an expert in supplemental coverage call toll free 877-202-9248 today!

Help Squad: What to know when considering Medigap and Medicare Advantage plans

I just read your column, “Health insurance and open enrollment – what you need to know” in today’s Chicago Tribune. I was wondering if you could help me out. I’m looking for supplemental insurance to go along with my Medicare. The costs are high and the deductible on some is $2,000! I’m 67, retired and on a fixed income. Any suggestions?

Kathy Lipscomb, health care advocacy consultant at KL Services, LLC, in Skokie, was one of the experts providing health insurance guidance in the above-mentioned Help Squad column, so it was to her that I turned for advice on Paul’s behalf.

Lipscomb began by explaining that Medicare supplemental insurance, also known as Medigap coverage, is insurance that can be purchased to cover costs that original Medicare – Part A (hospitalization) and Part B (medical) – doesn’t cover. These costs can include copayments, coinsurance and deductibles. A Medigap policy will not cover Medicare Advantage Plan (Part C) copayments, deductibles or premiums. Medigap is designed to supplement original Medicare benefits, whereas Part C is a policy purchased from a private insurer to cover Part A, Part B and extra benefits such as vision, hearing, dental and prescriptions. Part C plans are used in place of, not in combination with, Medigap. (Medicare pays a fixed amount each month to the companies providing Medicare Advantage Plans to Medicare policyholders.)

Another important point to note: The timing of Medicare enrollment is different than health insurance marketplace open enrollment. Per the Medicare.gov website: “The best time to buy a Medigap policy is during your six-month Medigap open enrollment period. During that time you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically starts the month you’re 65 and enrolled in Medicare Part B. After this enrollment period, you may not be able to buy a Medigap policy. If you’re able to buy one, it may cost more … If you apply for Medigap coverage after your open enrollment period, there’s no guarantee an insurance company will sell you a Medigap policy if you don’t meet the medical underwriting requirements.”

Lipscomb recommended the following for selecting a Medigap policy: First, go to Medicare.gov, then click “Supplements and Other Insurance” at the top of the page. From the drop-down, select “How to Compare Medigap Policies.” This provides a chart comparing the various plan options and what is covered in each.

Said Lipscomb: “It is important to remember that all policies, by law, offer the same standardized basic benefits. So, Plan G from insurance provider ABC is going to have the same benefits and coverage as from insurance provider XYZ. Only the cost of the policy might be different.” She added that some plans offer coverage when traveling out of the country and some might include your Medicare Part B premium. She emphasized the importance of comparing copays and deductibles before deciding on a plan.

Medicare.gov can assist consumers in finding Medicare supplemental plans in their area if they click on “Find health & drug plans” under the “Sign Up/Change Plans” tab at the top of the home page. Lipscomb additionally recommended checking individual insurance companies’ websites, contacting AARP, and/or speaking with an insurance broker who sells medical insurance.

And for those interested in exploring Medicare Advantage Plans (Part C), Medicare.gov provides assistance via “Your Medicare coverage choices,” which can be found in the drop-down under the “Sign Up/Change Plans” tab.

It is important to evaluate your overall Medicare costs and benefits when deciding whether or not to enroll in an Advantage Plan. As explained on the Medicare website: “Your cost sharing is lower (or included) if you’re in a Medicare Advantage Plan.” However, it is possible that your premium will be higher than it would be if you had original Medicare combined with a Medigap supplement.

Lipscomb advised: “Most major insurance providers have a Part C plan. You can contact insurance providers through their websites. Also, retirees should check with their former employers. If they worked for a large company, they may be able to get Part C coverage through that company.

Original Source: http://www.chicagotribune.com/suburbs/ct-ppn-column-help-squad-tl-1116-20171108-story.html

Original Author: Cathy Cunningham

Original Date: Nov 8 2017

Why Medicare Supplemental Plans Succeed

When you retire, you are faced with some important personal decisions.  That is why the state of Tennessee and POMCO are working together to make one of those decisions, Medicare Supplemental Healthcare, easier for you.  As a retiree, you may be eligible for the Tennessee plan.  This plan is designed specifically for retired state employees, teachers, and local government employees and their eligible spouses and dependents.

The Tennessee Plan can help fill the Medicare Coverage Gap.  If you have Medicare coverage, you likely need The Tennessee Plan to help cover some of the expenses that Medicare does not.  The Tennessee Plan helps fill most of the coverage gaps that Medicare creates.

If you are eligible, you can enroll in the Tennessee Plan coverage, commonly known as Medigap coverage.  The Tennessee Plan is a standard Medicare Supplemental Policy designed to fill in the coverage gaps in your Medicare Part A and Part B coverage.

What kind of gaps do Medicare Parts A & B have?

In 2010, some of the charges Medicare requires you to pay include the following:

  • A $1,100 deductible out of your own pocket each time you are hospitalized.
  • Then $275 a day for the 61st to the 90th day in the hospital and $550 a day thereafter up to a 60 day lifetime reserve maximum. Plus a $155 deductible for approved doctors’ bills and outpatient expenses and then you must pay an additional 20% of the Medicare approved charges after that.

You may be responsible for any amount over the Medicare approved charges from providers who do not accept Medicare assignments.  Even with Medicare coverage, your out-of-pocket expenses can add up fast and cause financial difficulty.  Coverage under The Tennessee Plan can help fill some of these gaps.  There are ten standardized approved, by federal law, Medicare Supplemental Policies that can be offered.  The Tennessee Plan offers benefits comparable to the Medicare Supplemental Standard Plan D.

Who is eligible to enroll?

Any retired state of Tennessee employees or local education certified teaching staff receiving a monthly retirement allowance from the Tennessee Consolidated Retirement System, or higher education optional retirement plan who is eligible for Medicare Part A may apply for coverage under this plan.  Retired Local Education support staff and local government participants eligible for Medicare Part A who receive a monthly retirement allowance from the TCRS are also eligible to apply for coverage.  Your legal married spouse and eligible dependents may also apply.  If you qualify and enroll for coverage within 60 days of your initial eligibility, you cannot be denied coverage because of your age or health.

 

Who administers the Tennessee plan?

The Tennessee Plan features Medicare Supplemental coverage sponsored by the state of Tennessee with claims administered by POMCO.  The plan offers you quality coverage at lower group premium rates.  Since the monthly premiums are not based on age, they will not increase just because you get older.  Premium rates may increase due to increasing costs, which would happen with any plan.  Best of all, if you have more than 15 years of service as a State of Tennessee employee or teacher, the State of Tennessee will pay part of your cost for your Plan coverage.

Less Paperwork: Because providers file claims with the plan, you don’t need to worry about paperwork!  Most claims are filed by you by your doctors and hospitals if they have your Medicare and The Tennessee Plan member identification numbers.  Claims are then sent directly to POMCO after Medicare has completed their part.  This works out well for everyone.  The providers are paid quickly and you avoid all the paperwork.

The Tennessee Department of Commerce and Insurance has made it easy for you to save money and get discount health insurance.  In Tennessee, there are eight basic kinds of health coverage:

  • Major Medical: Covers most health care services
  • Short Term Major Medical: Covers everything included with major medical except pre-existing health conditions: short term major medical usually lasts for six months
  • Hospital and Surgical: Covers inpatient and some outpatient hospital and surgical care” doesn’t include prescription medication coverage
  • Hospital Indemnity: Covers a predetermined amount of the daily cost of a hospital stay
  • Hospital, Medical, & Surgical Indemnity: Offers a mixture of what hospital & surgical indemnity policies cover; doesn’t cover major medical emergencies
  • Cancer, Heart Attack, & Stroke: Covers only those three conditions and shouldn’t be used as your only medical policy
  • Accident: Covers accidental injuries and shouldn’t be used as your only health insurance policy
  • Supplement: Supplement policies act to cover everything that isn’t covered by your major medical or hospital coverage, as well as Medicare

How does having this information benefit you?

Well, it’s much easier to obtain Tennessee affordable health insurance premiums if you first know what kind of policy you need.  For example, if you’ve just lost your medical benefits due to being laid off from work, you might want to search inexpensive health care quotes in Tennessee for short term major medical policies.  If you can’t yet afford a major medical plan but want protection against the unexpected, you may want to try to save money and get discount health insurance in Tennessee for accident coverage.

In Tennessee, affordable Medicare Supplemental health insurance premiums are just around the corner when you already know what medical coverage you want.  Armed with this knowledge, you can begin your search for quotes in Tennessee with a call to a Medicare Supplemental Insurance Broker at 888.452.7949 or visit our website http://www.emedicare-supplemental-insurance.com/tennessee-medicare-supplement-plans.

 

Finding the Right Medicare Supplemental Insurance Coverage In Texas

In Texas finding the best Medicare Supplemental Insurance for your health care and budget needs can take some time and patience.  There was a time not too many years ago when Medicare Supplemental Policies were the only choice for recipients of Medicare.  Choosing a good Medicare Supplement would give policy holders the widest coverage nationwide.  Participants could go to any doctor or health care facility in the United States that accepts Medicare.  This is helpful to snowbirds and those who travel extensively for months at a time.

Monthly Premiums

Unlike Medicare Advantage, Medicare Supplemental Policies come with a monthly premium.  Many insurance companies offer a “teaser” premium to start that is used to attract new enrollees that are about to or have recently turned sixty-five.  The cost of Medicare will vary between insurance companies however the coverage will be exactly the same no matter where is being purchased.

With all difference options with in Medicare what exactly should recipients be looking for?   Seniors should be looking for companies with:

  • A track record of verifiable financial stability
  • Excellent customer and bill paying services
  • A history of consistent premium cost free of huge increases

Where To Start your Research

This important information is not readily available to enrollees.  That is why consulting with an independent Medicare Insurance Broker is a good starting point in finding the best Texas Medicare Supplement Policy.

Of the ten standardized Supplemental Plans only two should be considered by most Medicare recipients Medicare Plan F and Medicare Plan G.  Plan F is the most popular supplement plan as it guarantees to cover an enrollee up to the maximum allowed by Medicare for any Medicare approved service.

This leaves little to chance and a policy holder will know that they should never receive a bill unless they have had a non-Medicare approved service or procedure.  An example would be a face lift.  Supplemental Insurance Plan G is a little different in that it will not pay for excess charges allowed by Medicare.  A person with Medicare Plan G must be vigilant that their health care providers will accept Medicare assignment.

Getting The Best Insurance Agent

Finding the best Texas Medicare Supplement is not easy.  It is about as easy as finding a dependable independent insurance agent to get real insight into different insurance companies that you are considering.  A good independent insurance agent will lay out the facts and enable enrollees to make educated decisions.

Learn more about Texas Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/medicare-supplement-plans-texas.  Our Texas Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Texas.  To talk to an expert in Texas Medicare coverage toll free 877-202-9248 today!

Supplying Medicare Supplemental Insurance to Michigan Enrollees

 Michigan Medicare Supplemental Insurance Plans cover coinsurance, deductibles, and other out-of-pocket expenses that Medicare doesn’t pay for.  Benefits for skilled nursing care, emergency foreign travel, and blood work are a few of the plan features.  Supplements are standardized.  They offer a comprehensive overview of all supplemental plans and benefits offered in the state of Michigan.

Michigan Medicare Supplemental Insurance Plans

In order to have a supplement plan you must have Medicare Parts A and B, Original Medicare, and be 65 years old.  These plans do not include prescription drug coverage.  In order to have prescription drug coverage you will need to enroll in Medicare Part D which provides prescription drug coverage since supplemental insurance plans do not.  Also, it is important to note that supplemental plans are not available when participants are enrolled in Medicare Advantage Plans.  You will want to be sure that you compare all of the different Medicare Plans to ensure you’ve taken advantage of all that is available to you.

It is common for a Medicare beneficiary to have 3 different plans in order to maximize their coverage:

  • Original Medicare Part A and Part B
  • Prescription Drug Coverage, Plan D
  • Medicare Supplemental Insurance Plans

The total number of Medicare beneficiaries in 2015 was just under 2 million in the state of Michigan that is 19% of the state’s total population.  In 2016, an average of 19% was disabled and the other 81% had reached the age of 65.  The total amount of Medicare beneficiaries that were disabled with ESRD was just under 7,700 and the total amount of beneficiaries that were not disabled, but reached age 65, was just under 7,900.

 Can you get denied coverage?

You can be denied coverage for Michigan Medigap plans if you are fewer than 65 and don’t have a qualifying illness or disability.  You can also be denied coverage if you have a pre-existing condition and are enrolling outside your Open Enrollment period.  This period lasts for the six months and starts the first day of the month you are enrolled in Medicare Part B and are 65 or over.  You cannot be denied coverage for any reason if you are enrolling during this six month time frame, if you don’t enroll during this period you can be denied coverage, your benefits may be delayed, or you could be charged a higher rate because you must meet the underwriting requirements.

Plans Available for Medicare Recipients Under 65 Years Old

Not all states offer supplemental insurance to those under 65.  There are some available Michigan Medicare Supplement health insurance options if you are under 65.  They offer Medicare Part A and Medicare Plan C but keep in mind that the rates will not be the same compared to the rates for recipients over 65.

Can the insurance company cancel my policy if my health changes?

The insurance company cannot cancel your policy if your health changes as long as you continue to pay your premium and enrolled during your Open Enrollment Period.

What carriers offer plans in Michigan?

There are dozens of carriers that offer supplemental plans in Michigan.  Since all plans are standardized each carrier must offer the same benefits for each letter plan.  This means that regardless of the carrier, the letter plan you choose will have the same benefits.  The only difference is the cost of each letter plan; each carrier can charge their own amount.  That is why it is important to consult with a senior Medicare agent to compare rates with all the top carriers.

Michigan Medicare Supplement Subsidy

Beginning in January of 2017, the Michigan Health Endowment Fund administered the Michigan Medicare Supplement Subsidy program.  The program will directly pay your insurance provider and is based off your total household annual income.

Learn more about Michigan Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/michigan-medicare-supplement-plans.  Our Michigan Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Michigan.  To talk to an expert in Michigan Medicare coverage toll free 877-202-9248 today!

 

 

 

Shopping For Medicare Plans in Arizona

Many Arizona seniors approaching their sixty fifth birthdays that are enrolling in Medicare are searching for the best Medicare Supplemental Insurance Plans.  In today’s crowded Arizona Medicare market, enrollees have many choices when it comes to supplemental plans and insurance companies to purchase coverage from.  The correct choice is different for each person depending on their health objectives and economic realities.

Know Your Options In Medicare

Looking at the big picture seniors have a few options in Medicare.  The first is to enroll in Original Medicare and purchase one of ten standardized Medicare Supplemental Policies.  The second is to enroll in a good Medicare Advantage Plan.  Either choice can be a sound choice depending upon your personal health care needs.  For now let’s look at some important factors to consider when shopping for Medicare Supplement Insurance Plans in Arizona.

Before you can begin shopping for affordable supplemental health insurance in Arizona you should understand the process and plans that are available.  Medicare Supplemental Insurance Plans are purchased by private insurance companies that the government has chosen to sell the standardized plans.  These private insurance companies can choose to offer these plans at a rate that they specify however each plan is the exact same.  This is why it is important for enrollees to shop and compare Medicare Supplement Insurance before settling on a plan and company to purchase it from.

Insurance Companies Have The Choice

Insurance companies decide which policies they will sell.  Companies that do decide to sell Medicare Supplemental Policies:

  • Don’t have to offer every plan
  • Must offer Medicare Part A if they are going to sell Medicare Supplemental Insurance Plans
  • If they offer any plans they must also offer Medicare Plan C or Plan F

When You are Enrolled In Medicare

Enrollees in Medicare and a supplemental plan can go to any doctor or provider in Arizona that accepts Medicare.  Here is some essential information to know when enrolling in government sponsored health insurance plans:

  • Enrollees need to be enrolled in Medicare Part A and Part B in order to purchase a Supplemental Plan
  • Enrollees in a Medicare Advantage Plan can apply for Supplemental Insurance however you must leave the Advantage Plan before the Supplemental Plan begins
  • Private insurers are paid a monthly premium for the Supplemental Plan in addition to the premium they pay for Medicare Part B
  • Medicare Supplemental Insurance only covers one participant. If a married couple has Medicare Insurance they must both have separate coverage
  • Supplemental Insurance can be purchase from any insurance company that is licensed to sell insurance in Arizona

 

Learn more about Arizona Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/arizona-medicare-supplement-plans.  Our Arizona Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Arizona.  To talk to an expert in Arizona Medicare coverage toll free 877-202-9248 today!