Is Arizona Medicare Supplemental Insurance Necessary?

If you read our previous article on Medicare supplemental insurance in Michigan, we stated that how you are being affected by the Medigap Plan among other things is factored according to one’s location. Beneficiaries who wish to add coverage to their Part A and Part B plans would want to choose to do a Medicare Supplement Plan in Arizona.

Medicare supplemental insurance coverage in Arizona would be similar to what we saw in Michigan such as it would include deductibles, copayments, and coinsurance. Other hospital coverage may as well be added, like hospice care.

Medicare vs Medicare Advantage Program

A Medicare supplement health plan in Arizona differs when compared to that of the Medicare Advantage program. First, It is seen in how it is purchased. Unlike that of the Advantage program, the Medicare supplemental insurance plan in Arizona is designed to be purchased as a standalone, however, can be purchased in combination with original Medicare.

For beneficiaries in Arizona who would want to get the independent purchasing coverage, might need to consider changing from Original Medicare to a Medicare Advantage plan.

Medicare United Through The States

A medical supplemental insurance plan in Arizona is the same when compared to that of Michigan. Here, the insurance plan is lettered up to the tone of 10 standardized letters. These ten standardized letters are available across the country, and each letter offers the same benefit with little regard to the insurance company providing it. Among other letters, the most common letter that is available nationwide is Medigap Plan F. This is the most common available medical insurance plan in Arizona.

However the fact that each of these ten letters offers benefits that make each beneficiary indifferent, the cost may vary depending on the particular company providing each of these benefits. While coverage may not include additional care such as prescription, hearing, vision, and or dental care, it, however, covers insurance while on a trip abroad.

Also similar to what is tenable in Michigan, Medicare supplemental insurance beneficiaries have the choice to enroll in Medicare supplement plan in Arizona during their six-month Medical supplemental insurance open enrollment period, which often begins on the first day of the month that one clocks their 65th year birthday.

During the Medigap enrollment period in Arizona, companies are prohibited from denying beneficiaries the coverage that is due to them, neither are they allowed to charge outrageous premiums to beneficiaries through their pre-existing medical conditions. And after the six-month enrollment period, beneficiaries would have to enroll in a Medigap Plan. However, coverage for pre-existing medical conditions would cease to be a working condition.

How to Choose Medicare Supplemental Insurance Plan in Arizona

Just as fore stated, Arizona Medigap plan coverage may be similar to the different lettered plans in Michigan, the cost of the program can vary depending on the insurance company that is involved. However, beneficiaries should select a plan that meets their needs regarding of coverage options. After that, beneficiaries can shop for different plans that are still within their single plan type, all based on the cost of the program.

eMedicare Supplemental Insurance is based in United States and has many knowledgeable, licensed agents ready to help you choose a supplemental health plan. We can also help you with any questions you have regarding Medicare and supplemental health care. Feel free to call us at 1-877-202-9248 or visit our website at www.emedicare-supplemental-insurance.com

12 Frequently Asked Medicare Questions

Medicare provides health coverage for millions of older Americans, but many future and current beneficiaries don’t understand many of the program’s basic features. With that in mind, here are 12 frequently asked Medicare questions and what you need to know about each one.

1. Am I eligible for Medicare?

The majority of Americans become eligible for Medicare benefits at age 65. To qualify, you or your spouse will need to have earned enough Social Security “credits.”

A senior man being examined by a physician with a stethoscope.

Image source: Getty Images.

2. What is the difference between Medicare and Medicaid?

Medicare is federal health insurance, primarily designed for elderly Americans. Medicaid is a state-run health insurance program that is primarily designed for low-income residents.

3. What are the “parts” of Medicare?

Medicare Part A is known as Hospital Insurance, or HI, and covers things like hospital and skilled nursing stays. Medicare Part B is Medical Insurance, and covers things like doctors’ appointments and outpatient procedures. Collectively, Medicare Parts A and B are known as Original Medicare.

Medicare Part C is Medicare Advantage, which are plans provided by third-party insurance companies and authorized by Medicare to provide benefits. Finally, Medicare Part D is prescription drug coverage, which is optional for retirees.

4. Will I be automatically enrolled in Medicare at 65?

It depends. If you’re already receiving Social Security benefits when you turn 65, you’ll be automatically enrolled in Medicare Parts A and B when you turn 65 and your Part B premiums will be taken out of your Social Security checks. On the other hand, if you aren’t already receiving Social Security retirement benefits, you’ll need to sign up.

5. How can I enroll in Medicare?

The process of enrolling in Medicare only is rather painless, and can be completed in 15 minutes or so at the Social Security Administration’s website.

When you first turn 65, your initial enrollment period runs for seven months beginning three months before the month of your 65th birthday. If you aren’t exempt from enrolling due to having group coverage through an employer (more on that shortly), your Part B premiums can be permanently increased for failing to enroll during your initial enrollment period. If you do have group coverage and choose not to enroll in Parts A and B during your initial enrollment period, you’ll get an eight-month special enrollment period after you (or your spouse) leave your employment.

6. Do I need Medicare if I have other health insurance?

As I’ll discuss in a minute, most Americans should enroll in Medicare Part A at age 65 whether they need it or not.

If your health insurance is through your or your spouse’s employer, and the employer has more than 20 employees, you aren’t required to enroll in Medicare Part B at 65. Once you leave employment, you’ll have a special eight-month enrollment period.

If your employer’s coverage doesn’t meet the 20-employee requirement, or if you have Marketplace coverage, COBRA, or TRICARE (nonactive duty), you’ll still need to sign up during your initial enrollment period.

7. Can I only enroll in Medicare Part A?

Yes. In fact, this is a common strategy for senior citizens who are 65 or older, but are still covered through an employer’s plan. As long as you’re eligible for Medicare benefits, Part A is free, while Part B comes with a monthly premium. Therefore, it can make sense to delay Part B enrollment if you don’t need it, but since it’s free, there’s no financial reason not to enroll in Part A as soon as you’re able to.

8. How much does Medicare cost?

For most seniors, Medicare Part A is free. You won’t have to pay a premium for your coverage (although there are deductible and coinsurance expenses when you use it). On the other hand, Medicare Part B has a monthly premium, which is $134 per month in 2017. Retirees who already paid their premiums through Social Security pay slightly less due to cost-of-living adjustment rules and higher-income retirees pay more — up to $428.60 per month — depending on their income.

Medicare Part C and D coverage costs vary significantly depending on where the beneficiary is located and how much is covered.

9. What if I don’t enroll in Medicare when I’m first eligible?

Unless you qualify for a special late enrollment period as I’ve discussed elsewhere in this article, you may have to pay a late-enrollment penalty if you don’t sign up for Medicare Part B during your initial enrollment period.

The penalty can be pretty severe. Your monthly Part B premiums can be permanently increased by 10% for every full 12-month period that you could have had Part B, but didn’t sign up.

10. What is Medigap?

Medigap is the common name for Medicare Supplemental Insurance, and is private insurance designed to cover certain expenses not covered by Original Medicare. There are 10 different Medigap plans and availability and cost depend on your location. Don’t confuse Medigap with Medicare Advantage, which is not supplementary coverage but rather is a different way to receive your Medicare.

11. What is covered by Original Medicare?

Medicare Part A, or Hospital Insurance, covers hospital services, skilled nursing facilities (for a limited time), nursing home care if medically necessary, hospice care, and certain home health services. Medicare Part B, Medical Insurance, covers outpatient surgeries, medical supplies, and preventative services like lab tests.

12. What is not covered by Original Medicare?

While this isn’t an exhaustive list, Medicare doesn’t cover long-term care, dental or vision care, acupuncture, or hearing aids.

It’s also important to mention that you will have certain out-of-pocket expenses for covered services as well. Medicare Part A has a $1,316 deductible per benefit period and coinsurance requirement for longer hospital or skilled nursing stays. Part B has a $183 annual deductible as of 2017, but you’re generally responsible for paying 20% of covered services.

The more you know, the better prepared you’ll be

Medicare is an important part of retired life for virtually all Americans, so it pays to learn some of the basic principles of the program. The more you understand about Medicare, the better equipped you’ll be to choose healthcare services, know what costs you can expect, and make other healthcare decisions, such as whether you need additional health insurance in retirement or not.

Original Source: https://www.fool.com/retirement/2017/10/09/12-frequently-asked-medicare-questions.aspx

Original Author: Mathew Frankel

Original Date: Oct 9 2017

 

How to navigate through complexities of Medicare

The day you turn 65 is one of the most important milestones in terms of your health. Sure, it’s not as exciting as the day you became eligible for a driver’s license, but 65 does mean a new kind of eligibility – Medicare.

Baby boomers are reaching this milestone at a rate of more than 10,000 per day. And just like studying for your road test, preparing for Medicare eligibility means doing your homework and understanding what’s coming around the bend.

First and foremost, you’ll want to determine your eligibility and calculate your premium at www.medicare.gov. Those who have a special condition, disability, or receive benefits from Social Security or the Railroad Retirement Board may qualify prior to turning 65. Everyone else should apply at a Social Security office or online at www.ssa.gov/medicare/ starting three months before turning 65 and no later than three months after to avoid late penalties that can be permanent.

If you or your spouse are still working, and you’re covered by the employer’s plan, check with the benefits administrator to see if they require you to sign up for Medicare. If not, you can sign up later during a special enrollment period without a penalty. Also, be sure any prescription drug coverage you receive through an employer after turning 65 is “creditable” – considered by Medicare to be at least as good as its drug coverage – or you’ll be liable for more late penalties.

Once you’ve determined your eligibility, it’s important to understand the fundamental parts of Medicare. Medicare Part A offers hospital insurance for inpatient stays, skilled nursing facilities, and hospice care, while Medicare Part B provides medical insurance for doctor services, outpatient care, medical supplies, and preventive care. Excluded from Parts A and B (original Medicare) are a number of value-added benefits and services like routine vision and dental visits, health management programs, and more.

These costs would be out-of-pocket. Prescription drugs also are not covered by original Medicare and require a separate Medicare prescription drug plan (Medicare Part D). If you’ve worked and paid taxes for 10 years or more, you wouldn’t have a premium for Part A, but there are separate premiums for Parts B and D.

Alternatively, Medicare Advantage plans (Medicare Part C) are offered by health plans – like CDPHP – to replace Medicare Parts A and B while providing additional coverage. Medicare Advantage plans include everything covered by Parts A and B as well as important services such as dental, hearing, vision, annual physicals, case management, medication reviews, nutrition and wellness classes, and even no-cost gym memberships. Many Medicare Advantage plans also provide prescription drug coverage (Part D) and the convenience of having one plan administer all of your Medicare benefits.

It’s important to note that there is an open enrollment period, called AEP or annual election period, for making changes to your Medicare plan that spans from October 15 to December 7. While you can sign up for original Medicare up to three months before turning 65, and have the coverage begin on the first day of your birthday month, changes to your plan can only be made between those dates. You must be enrolled in original Medicare Parts A and B to join a Medicare Advantage plan, so get that squared away first even if you know you’ll be replacing it.

If you’re about to overheat, take a minute to cool down. Medicare can be overwhelming because it requires learning a new system with its own timelines, rules, and terminology. That’s why I suggest starting the process early, asking questions, and reading the information you receive in the mail.

Educating yourself now will allow you to make the right choices for yourself and your health, so you can cruise into this important stage of life without so much as a glimpse in the rearview.

Original Source: https://www.bizjournals.com/albany/news/2017/09/27/how-to-navigate-through-complexities-of-medicare.html

Original Date: Sept 27 2017

Original Author: John D. Bennett

Money-saving offer for Medicare’s late enrollees is expiring. Can they buy time?

Many older Americans who have Affordable Care Act insurance policies are going to miss a Sept. 30 deadline to enroll in Medicare, and they need more time to make the change, advocates say.

A lifetime of late enrollment penalties typically await people who don’t sign up for Medicare Part B — which covers doctor visits and other outpatient services — when they first become eligible. That includes people who mistakenly thought that because they had insurance through the ACA marketplaces, they didn’t need to enroll in Medicare.

Medicare officials are offering to waive those penalties under a temporary rule change that began earlier this year, but the deal ends Sept. 30.

On Wednesday, more than 40 groups, including consumer health advocacy organizations and insurers, asked Medicare chief Seema Verma to extend the waiver deadline through at least Dec. 31, because they are worried that many people who could be helped still don’t know about it.

They also say more time is needed because of application delays at some Social Security Administration (SSA) local offices, where beneficiaries request the waiver.

“We know there are people who can still benefit from it,” said Stacy Sanders, the federal policy director at the Medicare Rights Center, a Washington-based advocacy group that coordinated the request to Medicare. “We know there have been delays, and those are good reasons to extend it.”

Counselors at the Medicare Rights Center have helped seniors apply for the waiver in Arizona, California, Florida, Minnesota, Missouri, New Jersey and New York, she said.

Since the marketplaces opened in 2014, the focus has been on getting people enrolled, Ms. Sanders added. “There’s no reason to expect that people would understand how to move out of the marketplace into Medicare.”

The waiver offer applies not only to people over 65 who have kept their marketplace plans, but also to younger people who qualify for Medicare through a disability and chose to use marketplace plans.

The waiver also allows Medicare beneficiaries who earlier realized their mistake in keeping a marketplace plan and have switched to ask for a reduction or elimination of the penalty.

In all cases, people had to be eligible for Medicare after April 1, 2013.

Officials at the Centers for Medicare & Medicaid, which runs Medicare, would not provide details about the number of waivers granted or pending applications. Nor would they comment on the likelihood of an extension.

Barbara Davis said that when she initially applied, a Social Security representative didn’t know about the waiver. She eventually contacted the Medicare Rights Center, where a counselor interceded on her behalf in June. A day later, a Social Security representative told her she would not have a penalty.

“My advice would be, find out your rights before you apply,” said Ms. Davis, 68, who lives with her husband in rural western New York. “Because they don’t seem to want to give you information to help you, you have to know this on your own.”

A Social Security spokeswoman said the agency is processing waiver applications from “across the country” but does not keep track of the number. She declined to comment on whether SSA employees know about the waiver.

Ms. Sanders suggested that people applying for the waiver ask Social Security officials for it by using its official name: “time-limited equitable relief.”

Since Medicare’s Part A hospitalization benefit is usually free, some seniors who liked their marketplace coverage thought — incorrectly — that they had nothing to lose by signing up for Part A and keeping their marketplace plan.

Some people receiving Social Security retirement or disability benefits opted to keep their marketplace plan and drop Part B after the Social Security Administration enrolled them automatically in Medicare when they became eligible.

If the temporary waiver expires, the only other way for beneficiaries to get an exemption is by proving they declined Part B because a government employee misinformed them.

The groups writing Verma argue that keeping the waiver in place past Sept. 30 could also help many beneficiaries who may be surprised by a little-known rule that will affect 2018 marketplace policies.

For the first time, insurers will be prohibited from issuing a marketplace plan if they know the member is eligible for Medicare and the 2018 policy is significantly different.

Those who find themselves without a marketplace plan could be in for another surprise: They won’t have insurance for outpatient care until July 1 because Medicare imposes a waiting period before Part B coverage kicks in for latecomers.

Extending the deadline “would lessen a significant hardship for many people … (who) are unaware of the repercussions that could result from keeping their marketplace coverage,” said Cathryn Donaldson, a spokeswoman for America’s Health Insurance Plans, an industry group.

Original Source: http://www.post-gazette.com/aging-edge/aging-edge-reports/2017/09/24/Money-saving-offer-for-Medicare-s-late-enrollees-is-expiring-Can-they-buy-time/stories/201709240187

Original Date: Sept 24 2017

Original Author: Susan Jaffe

 

Medicare Supplemental Insurance in Tennessee

Medicare in Tennessee

Original Medicare is a federal government platform that is aimed to help and support United States residents and legal permanent occupants of at least five years with health-care costs and billings.

Who are eligible?

  • Citizens of the age of 65 years old or older.
  • Citizens may be eligible for Medicare when younger than 65 years of age and permanently disabled and have been receiving disability benefits for at least 24 months.
  • Citizens may be eligible for Medicare if diagnosed with Lou Gehrig’s disease (ALS) or permanent kidney failure which needs dialysis treatment or kidney transplant (end -stage renal disease).

Original Medicare consists of two parts:

Medicare Part A:

Medicare Part A offers basic benefits for inpatient hospital care and hospice care, and also limited benefits for post-hospital nursing facility services and home health care.

Medicare Part B:

Medicare Part B offers basic benefits for doctors and laboratory services, and also some outpatient medical services which includes medical equipment and supplies, physical therapy and some home health-care services.

Medicare Supplemental Insurance in Tennessee

(Medicare Part C & Part D)

Medicare Part C

Medicare Part C is a Medicare Supplemental Insurance and also refers to Medicare Advantage plan. Medicare Supplemental Insurance plan is another way you can receiving Medicare benefits. Under this platform, private insurance companies that are contracted with Medicare provides the benefits of Original Medicare (Part A and Part B) and more. For example, Medicare Supplemental Insurance plans must limit your annual expenses for most covered services. When this limit is met, then the Medicare Supplemental Insurance plan start paying 100% of most covered services. Also, most Medicare Supplemental Insurance plans include additional benefits, such as:

  • Routine dental and vision care.
  • Hearing
  • Wellness platforms
  • Prescription drug benefits.
  • Hospice care is covered under Medicare Part A instead of through the Medicare Supplemental Insurance plan directly.

 

Types of Medicare Supplemental Insurance plans.

  • There are various types of Medicare Supplemental Insurance plans, some are specialized in offering benefits for the special needs of:
  • People who are having a specific health issue.
  • People who live in a nursing care facility.
  • People who are receiving benefits from both Medicare and Medicaid.

Medicare Part D

Some Medicare Supplemental Insurance plans offers prescription drug benefits when others do not. Medicare Supplemental Insurance plans that include prescription drug benefits is also Medicare Advantage Prescription Drug (MA-PD) plans. It gives the convenience of having Medicare medical and prescription drug benefits through one plan. Residents may enroll in a Medicare Supplemental Insurance plan in Tennessee and be living within the Medicare Supplemental Insurance plan’s service area. Continuous to payment must be made for Medicare Part B premium and also pay an additional premium directly to Medicare Supplemental Insurance plan, alongside any deductible, copayment, or coinsurance amount to the benefit plans chosen.

Medicare Prescription Drug Benefits.

Original Medicare doesn’t cover prescription drugs in many situations. Medicare Prescription Drug Plans are provides by private insurers contracted with Medicare. These plans may cover most of the prescription drugs that are frequently used by Medicare beneficiaries. However, there can be variances in benefits between plans. Medicare Prescription Drug Plans publishes a list of prescription drugs they cover and it is referred to as a formulary. The formulary is unstable, it changes at any time. Beneficiaries will be noticed from any plan when necessary. To be eligible for Medicare prescription drug benefits, you must have Medicare Part A and/or Part B and reside in the Medicare Prescription Drug Plan’s service area.

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

 

Medicare Supplemental Insurance in New York

Medicare in New York

According to the Centers for Medicare & Medicaid Services (CMS) in 2015, more than 3.3 million occupants of New York received Medicare benefits in one form or another. Numbers of Medicare beneficiary options are available to inhabitants of New York as a Medicare beneficiary.  Original Medicare is the governmental health insurance program for all qualified American citizens and all legal permanent citizens of at least five continuous and consecutive years. You’re qualify when you are at the age of 65 years and older, some beneficiaries bellow the age of 65 years might also qualify by disability or through having a particular health conditions, such as Lou Gehrig’s disease or end-stage renal disease.

What does it cover?

In New York, Original Medicare includes Part A and Part B.

Medicare Part A covers Hospital insurance:

  • Inpatient hospital.
  • Skilled nursing facility.
  • Some home health visits.
  • Hospice care.

Medicare Part B Medical insurance:

Outpatient services including:

  • Doctor visits.
  • Some home health care.
  • Preventive services.
  • Durable medical equipment.

Medicare Supplemental Insurance in New York

(Medigap)

Medicare Supplemental Insurance (Medigap) which is also referred to as Medicare Advantage plans are offered by private insurance companies and can also help pay out-of-pocket costs for services enclosed under Original Medicare. Medicare Advantage plans are provided by private insurance companies that are having a contract with CMS. This is also known as Medicare Part C, and these plans must also provide the same level of Medicare benefits as Original Medicare, Part A and Part B, with the exception of hospice care. One of the benefit of Medicare Advantage plans is that most plans also covers an  extra benefits such as routine dental and vision care, hearing and wellness programs. Also some plans, known as Medicare Advantage Prescription Drug plans, includes prescription drug benefits. All these plans covers all Medicare medical and prescription drug benefits by using a single plan.

Medicare resources in New York

New York State Office for the Aging:

This office provides information and services to seniors, in order to help them live independently and healthy into their retirement periods

The Medicare services provided by New York State Office for the Aging includes:

  • Health Insurance Information Counseling and Assistance Program (HIICAP): This program provides free counseling service to the New York Medicare beneficiaries. , Counseling services are unbiased, because the office is not an affiliated of any specific insurance companies.
  • NY Connects Service: When beneficiaries needs a long-term care, this program offers details about the choices and options available. They ensure that all beneficiaries have an easy access to a personalized counseling services.

 

  • Senior Medicare Patrol (SMP) – This service is designed to help the New York Medicare beneficiaries in protecting themselves from fraud, through education, discovery, and prevention and also educates the beneficiaries about he steps to be taken in event of an error on their billing right.

 

New York State Department of Health:

This department helps Medicare beneficiaries, who are also qualify for Medicaid benefits, to get the information, support and assistance that they need. They also supplies details and information about Medicare Savings Programs that is available to beneficiaries who are unable afford their benefit premiums which includes beneficiaries who are qualify for both Medicare and Medicaid benefits, which is also known as dual-qualified beneficiaries.

 

Elder Care Resource Center:

This is a website that was created and designed as a partnership between the New York State Office for Aging and the New York Community Trust. The reason of the website being created is to offer New York inhabitants of New York with a wealth of resources and information regarding health-care choices and options, which includes information about Medicare plans.

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

Medicare Supplemental Insurance in Michigan

Medicare in Michigan

According to Centers for Medicare & Medicaid Services (CMS) data, the total number of Medicare beneficiaries that enrolled in Medicare Part A and Part B equals 1,263,405 in 2015. Many beneficiaries in Michigan enrolled for Original Medicare, Part A and Part B. Original Medicare is the government-supported health insurance program for the citizens of United States and permanent legal inhabitants from age 65 years or older and  those who are eligible by disability. To be eligible for Medicare, Permanent legal inhabitants must have been and lived in the U.S. for at least five years.

Who’s qualified for Medicare?

  • Beneficiaries are already getting and receiving Social Security or Railroad Retirement Board benefits when turn the age of 65 years.
  • When Beneficiaries reach the 25th month in a row of receiving disability benefits from Social Security or the Railroad Retirement Board.
  • Beneficiaries have Lou Gehrig’s disease.
  • Beneficiaries start getting Medicare benefits the same month that they start receiving disability benefits.
  • Beneficiaries can sign up for Medicare during his / her Initial Enrollment Period If they are not eligible for an automatic enrollment, which usually starts immediately three months before he/she turns 65 years of age and lasts for a seven months.
  • If Beneficiaries are disabled and are under 65 years of age, IEP is also normally seven months, starting from when he/she have been receiving disability benefits for 22 months.

Medicare Supplemental Insurance in Michigan

It essential to understand that Original Medicare might not be an only option for Medicare benefits in Michigan. It can also be received through a Medicare Supplemental Insurance plan. Original Medicare does not cover recommendation and prescriptions medications in most situations. Medicare Part A might cover prescription drugs in the process of treatment as a hospital inpatient. Medicare Part B covers a particular prescription drugs, which includes some drugs recommended to you as an outpatient. If there is a case of benefits for the drugs prescriptions to be taken at home, beneficiaries can sign up for an independent Medicare Part D Prescription Drug Plan, which is available from private insurance companies that are approved by Medicare.

Medicare Supplement insurance plan (Medigap) can be bought if benefits for Medicare’s out-of-pocket expenditures, such as co-payments and deductibles. There are 10 standard Medigap plans in Michigan, and they are obtainable from private insurance companies.

Original Medicare benefit is offered through Medicare Advantage (Medicare Part C), which is offered by private Medicare-approved health insurance companies, Medicare Advantage plans in Michigan provides the same benefit from Original Medicare, except for the hospice care, which Medicare statically covers. Medicare Supplemental Insurance plans may include extra benefits, like dental and vision care, and prescription and prescription drug benefits. With any type of Medicare Supplemental Insurance plan, payment of Medicare Part B premium, Alongside plan premium if there is one must be made continuously.

Medicare resources in Michigan

Office of Services to the Aging (OSA):

This office is setup to serve the prerequisites and needs of the senior population. For the past 40 years, the Office of Services to the Aging have been providing resources and sponsorship for Michigan’s aging population. The office provides information to seniors about various programs and services available to them, which includes their Medicare options. They also provide legal services to seniors, which includes counseling, education, and representation.

Michigan Medicare/Medicaid Assistance Program (MMAP):

This program provides free counseling service and education for Michigan Medicare beneficiaries. The office is sponsored by a donation from the Office of Services to the Aging and is not affiliated with any part of the insurance industry. Information and details about Michigan Medicare and other benefits options are also offered through this office, and also resources for reporting Medicare fraud, waste and abuse.

Learn more about Michigan Medicare Supplemental Insurance plans, rates 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!

Considering Medicare supplemental Insurance in Arizona?

Researching Supplemental Insurance for Medicare can almost be a part time job or a chore. We are here to help guide you along the path of choosing the right plan for your medical needs. Those of you that have a Medicare plan in Arizona know that it is not perfect and could use some improving. That is why private insurance companies like us offer supplemental insurance or also known as Medigap plans.

These plans are designed to help cover your medical expensive; as we know Medical bills in Arizona can be expensive. However, with 10 different plans to choice from, it is no easy task. In 2017 you have a number of different research options.

You can find a lot of information online about supplemental insurance; this blog for example has a lot of information. You can also visit government regulated sites (https://www.medicare.gov/) that you can trust. Please be aware that not all information you read online is accurate.

Friends and family are another good source of information, especially if they live in Arizona or currently have Medicare. You might have some friends or family friends that are 65 or older that have Medicare Supplemental Insurance. So they have some knowledge on the topic.

Social media like facebook is another option that you can find information on Medigap. You can join groups where people get on and talk about Medicare.

Cost is a big concern while researching Medicare Supplemental Insurance

When customers call our office usually the main question is how much is this going to cost? When in reality the main question should be “what is the right plan for me, that fit’s my budget”. We can answer these questions in greater detail but we need some information from you. If you are looking for pricing on Medicare Supplemental Insurance in Arizona it is best to call us at 877-202-9248. We also have a free quote tool that you can find here.

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!

What is Medicare Supplemental Insurance (Medigap)?

Medicare also known as Medigap is a federal health insurance program which pays for a several of health care expenditures. It’s controlled by the Centers for Medicare & Medicaid Services (CMS), a division of the U.S. Department of Health & Human Services (HHS).

Medicare is also an entitlement program. Many U.S. citizens have the right to enroll in Medicare by working and paying their taxes for a minimum required period of time.  Medicare beneficiaries are normally senior citizens that are aged between 65 and older. Adults with a particular approved medical and also qualifying permanent disabilities may also be entitled to Medicare benefits.

Medicare Supplemental Insurance (Medigap) plans are provided by private insurance companies and can assist in covering out-of-pocket costs that is not covered by the Original Medicare, such as copayments, coinsurance, and deductibles, With Original Medicare there are no limit to what you may have to spend. A Medicare Supplemental Insurance (Medigap) plan can protect you from having big medical bills (many Medicare copayments or coinsurance amounts) whenever you need extensive medical care. In 47 states, there are up to ten standard Medicare Supplement plans with lettered names (Plans A, B, C, D, F, G, K, L, M, and N) but not all of the  plans are available in all areas.

Who can get a Medicare Supplement plan?

In order to enroll in a Medicare Supplemental Insurance (Medigap) plan, you must have Medicare parts which are Part A and Part B. You are also supposed to be age 65 or even older. While Medicare Part A and Part B may be available to those under the age of 65 with Social Security disability assistances and also a certain health conditions, the federal government does not necessitate that private insurance companies sell Medicare Supplement policies to people under the age of 65. Although, some states requires private insurance companies to sell Medicare Supplement to people under the age of 65 years.

What does Medicare Supplemental Insurance (Medigap) cover?

The 10 standardized lettered Medicare Supplement which available in most states are listed below:

Coinsurance or copayments benefit with different percentage.

  • All Medicare Supplemental Insurance (Medigap) plans mostly and generally cover 100% of Medicare Part A coinsurance and hospital costs up to additional 365 days after Medicare benefits are been used up.
  • All Medicare Supplemental Insurance (Medigap) plans covers Medicare Part B coinsurance or copayments 50%.
  • Plan K covers coinsurance or copayments benefit at 50%
  • Plan L covers coinsurance or copayments at75%.
  • The rest of the plans may cover coinsurance or copayments at 100%.

 

Pints of blood in a medical process at different percentage.

  • All Medicare Supplemental Insurance (Medigap) plans covers the first three pints of blood in a medical process at least 50%.
  • Plan K cover this benefit at 50%.
  • Plan L may cover it at 75%. The rest of the plans typically cover it at 100%.

 

Hospice care coinsurance or copayment.

  • All Medicare Supplemental Insurance (Medigap) plans may covers:
  • Medicare Part A hospice care coinsurance or copayment at least 50%.
  • Plan K covers hospice care coinsurance or copayment at 50%.
  • Plan L covers hospice care coinsurance or copayment at 75%.
  • The remaining plans cover hospice care coinsurance or copayment at 100%.

 

Skilled nursing facility care coinsurance.

  • Eight of the ten plans cover skilled nursing facility care coinsurance at least 50%. Plans A and B does cover skilled nursing facility care coinsurance at all.
  • Plan K covers skilled nursing facility care coinsurance at 50%.
  • Plan L covers skilled nursing facility care coinsurance at 75%.
  • The rest of the plans skilled nursing facility care coinsurance at 100%.

 

Deductible.

  • All Medicare Supplement plans expects plan A to cover the Medicare Part A deductible at least 50%.
  • Plan K and Plan M cover deductible at 50%.
  • Plan L covers deductible at 75%.
  • Plans B, C, D, F, G, and N cover deductible at 100%.
  • Plans C and F cover the Part B deductible at 100%.
  • No other plans cover the Part B deductible.

 

Excess charges

  • Plans F and G cover Part B excess charges.
  • No other plans cover Part B excess charges.

 

Foreign travel emergencies

  • Six plans (C, D, F, G, M and N) cover foreign travel emergencies at 80%, up to plan limits.

 

What Medicare Supplemental Insurance (Medigap) does not cover?

Medicare Supplemental Insurance (Medigap) plans usually do not cover:

 

  • Routine dental care
  • Routine vision care
  • Private-duty nursing
  • Prescription drugs
  • Nursing home care

 

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

Medicare open enrollment begins Oct. 15

The 2017 Medicare open enrollment period begins Oct. 15 and runs through Dec. 7. This is the time of year when you can change your Medicare coverage.

You can do this by joining a new Medicare Advantage Plan or by joining a new stand-alone prescription drug plan (PDP). You can also switch to Original Medicare with or without a stand-alone Part D plan from a Medicare Advantage Plan during this time. Be sure you’re ready for any changes you want to make by scheduling a free annual Health Insurance Check-Up.

One of the Office for the Aging’s trained volunteer counselors with the Health Insurance Information, Counseling and Assistance Program (HIICAP) can meet with you and go over your options. Appointments will be available throughout the open enrollment period, and we’ve started taking appointments this month. Our calendar fills up quickly, and remember: After Dec. 7, it’s too late to change your Medicare coverage, so call for your appointment today.

SENIOR NEWS: Deadline nears for Senior Prom

The Office for the Aging also schedules Medicare 101 (orientation) and Navigating Medicare classes every month. This fall, we have scheduled Medicare 101 classes on the following Wednesdays at the Poughkeepsie Galleria Community Room from 10 a.m. until noon: Sept. 20, Oct. 18, Nov. 15 and Dec. 20.

Additionally, there will be 90-minute Medicare 101 sessions at the Center for Healthy Aging at Northern Dutchess Hospital in Rhinebeck at 4 p.m. on the following Mondays: Oct. 2, Oct. 23 and Nov. 27.

There also will be one Medicare 101 session Nov. 14, at 6:30 p.m. at the Pawling Library (11 Broad St.).

A little bit of computer knowledge can go a long way when it comes to navigating the national Medicare website, www.medicare.gov. Our HIICAP volunteers can teach you how to learn about Medicare and other associated programs to help you make informed choices. Join them at the Adriance Library (93 Market St., Poughkeepsie) at 9:30 a.m. on the following Wednesdays: Sept. 27, Oct. 25, Nov. 22 and Dec. 27.

Original Source: http://www.poughkeepsiejournal.com/story/life/2017/09/14/medicare-open-enrollment/659844001/

Original Date: September 14 2017

Original Author: Todd Tancredi