A Detailed Look into Medicare Part A and Part B

What is Medicare?

Medicare refers to a health insurance plan that covers those who have attained the age of 65 years and above or those below the age of 65 years and have certain disabilities that qualify them for coverage. Medicare is divided into a few different categories. Below we will look at Medicare part A and Medicare Part B in greater detail.

Medicare Part A (Hospital Insurance)

Medicare Part A is hospital insurance that specializes in catering for those seeking inpatient care services in hospitals. In addition to that, it also caters for home health care and hospice care provided you are eligible. It covers patients who are 65 years old and older, must be American Citizens, disabled patients with Amyotrophic Lateral Sclerosis, ESRD or those who get disability benefits from the Railroad Retirement Board or Social Security for a period not less than 25 months.  Medicare Part A works favorably for those who meet the mentioned eligibility requirements.

  1. How much does a Medicare Part A coverage cost?

Although some people are required to part with a monthly premium of about $411, those who have paid Medicare taxes for a minimum of 10 years are exempted.

  1. Can a late enrollment for Medicare Part A be penalized?

It is important to enroll for Medicare Part A when you hit the age of 65 years without failure. People who qualify for free Part A coverage are not penalized. Failure to enroll for Part A after attaining the age of 65 years can attract an increment of up to 10% on your monthly premium rate. The more you delay to enroll for Medicare Part A the higher the premium. For instance, anyone who delay buying Part A for 2 years from when they are first eligible for the cover, have to part with an extra 10% monthly premium for a maximum of 4 years. Citizens who enroll for Part A during a Special Enrollment Period are exempted from penalties.

Medicare Part B (Medical Insurance)

This is a medical Insurance plan that covers essential medical services that are not covered by Part A. Some of these significant services include; Outpatient care, preventive services, and doctors’ services among others. Although Medicare Part B is optional, those without it cannot sign up for Part coverage. The general enrollment period for Part B is from 1st January to 31st March but coverage is only effective from 1st July that same year.

  1. How much does a Medicare Part B coverage cost?

The cost of Medicare Part B was standardized in 2016 to $121.80 monthly premium. However, this coverage cost can either increase or decrease yearly depending on the government. Those interested in finding up-to-date premium charges should not hesitate to visit Medicare.gov for more information.

  1. Is it possible to buy Medicare Part B if I don’t have Part A?

In most cases, you need Part B to qualify for Part A coverage. Nevertheless, you can sign up for  Part B without buying Part A if you are a US citizen, have a permanent immigrant residency legal permit, have lived in the U.S for at least 5 years before signing up for Part B coverage

Remember late Medicare Part B sign up can attract a late enrollment penalty for prolonged periods.  It is important to sign up for coverage as soon as you qualify!

Learn more about Medicare Supplemental Insurance plans, rates, and more at http://www.emedicare-supplemental-insurance.com.  Our expert Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance plans and rates.  To talk to a Medicare expert call toll free 888.404.5049 today!

What Exactly Is Medicare Supplemental Insurance?

Medicare Supplement Insurance, also known as Medigap, is an insurance coverage sold by private insurance companies that can help pay some of the health care costs that Original Medicare does not cover including costs like coinsurance, deductibles, and copayments. Original Medicare cover, Part A, and B, pays for several health care services as well as supplies, but it does not pay for everything.

Medicare supplemental insurance helps to pay for a few services that the Original Medicare does not cover. This may include emergency overseas travel expenses and costs associated with excess charges in Medicare Part B. Basically, Medigap insurance fills the gaps that Original Medicare coverage does not cover. The following is an overview of how Medicare supplement plan works:

How the Medicare Supplemental Insurance Work:

Medicare insurance supplements is coverage that your Original Medigap benefits. This means that you have to enroll in the Original Medicare plan first in order to be eligible for Medicare supplemental insurance. You must stay enrolled in Original Medicare to enjoy the benefits of supplemental insurance. Supplemental plans are not meant to provide individual benefits and cannot be purchased alone.

The federal government prohibits the issuance of Medicare supplement coverage to people who are below the age of 65 and do not have a disability, amyotrophic lateral sclerosis or end-stage renal disease. It is, therefore, important for you to check with your state’s health care department and find out if and when you are suitable to enroll in Medicare supplemental plan.

It is vital to emphasize that most Medicare insurance plans do not cover prescription drug.  A separate policy Medicare Part D is purchased to cover prescriptions. Therefore, if you want prescription and other medication costs to be catered for, you will have to enroll in separate Medicare prescription plan D coverage.

What are the Benefits Covered by Medicare Supplemental Insurance?

There are ten supplemental Medicare insurance plans. Each of these plans is represented by a letter, for example, A, B, C, D, F, G, K, L, M, and N. These plans are available in almost all the states. However, Minnesota, Wisconsin, and Massachusetts have different sets of Medicare supplement plans. The premiums and coverage levels vary from state to state, but the benefits of each individual plan remain the same. Here are the benefits covered by the Medicare Supplement insurance:

  • Blood transfusion (the first 3 pints)
  • Medicare Part A hospital costs and coinsurance
  • Medicare Part B
  • Part A, hospice care copayment and coinsurance
  • Medicare Part A and Part B deductible
  • Professional nursing facility care coinsurance
  • Foreign medical emergency travel

The following are health services and supplies not covered by the Medicare insurance policy:

  • Care in a nursing home
  • Hearing aids
  • Private-duty nursing
  • Hearing aids
  • Prescription drugs
  • Eyeglasses
  • Routine dental and vision care

Knowing what Medicare supplemental insurance covers allow you to choose the plan that best meets your budget and health care needs.

Learn more about Medicare Supplemental Insurance plans, rates, and more at http://www.emedicare-supplemental-insurance.com.  Our expert Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to a Medicare expert call toll free 888.404.5049 today!

5 Things You Need to Understand When Buying Medicare Supplemental Insurance

Medicare is a life changing health care initiative that allows seniors and qualifying participants to enroll in government sponsored healthcare coverage. With this kind of coverage enrollees are guaranteed access to quality healthcare at affordable rates.  Medicare participants are allowed to pick and choose a Medicare policy that fits their health care and budget needs.  If you are you considering buying a Medicare Supplemental Insurance there are a few things to note as you are looking into choosing between Medicare Part A, Medicare Part B, and Medicare Advantage as well as supplemental Medicare insurance plans.

Understanding Medicare:

  1. Eligibility

Medicare supplement insurance companies offer additional medical coverage to Original Medicare enrollees.  If you are a participant in a Medicare Advantage plan you are not eligible to purchase supplemental insurance.  The truth is that it is impossible to buy one of the twelve supplemental policies unless you already enrolled in Medicare Part A and Part B. Getting Medicare Part A requires a person to be age 65 or have another qualifying event.  It is the Medicare participant’s job to obtain their initial Medicare coverage.  Buying Medicare supplement insurance plans become easy when you have both Medicare parts A and B respectively.

  1. Coverage

Just like any other insurance policy, Medicare supplement insurance policies cover certain procedures depending on which of the twelve plans you decide on. It is prudent to ensure that you compare the coverage offered between the different Medicare supplement plans that you are looking to purchase. A little research on the subject can be life changing for you. Buying coverage that you are unfamiliar with can end becoming more of an inconvenience rather than a benefit to ones health. It is important to remember that Medicare supplemental plans only cover the participant that purchased the policy. This means that you need to buy a separate coverage for your spouse.

  1. Networking

One of the beautiful things about Medicare supplemental insurance policies is that there are no network restrictions. With your policy, you have the option of seeking medical assistance from your preferred hospitals and doctors as long as they choose to accept Medicare. Your Medicare supplement insurance plan will then pay the healthcare provider according to the Medigap (Medicare Supplemental Insurance) policy agreement. This flexibility allows patients to choose their own doctors without the complications of referrals and such.

  1. Prices

It is worth mentioning that prices vary between different Medicare supplement insurance plans.  The actual coverage of plans differs as well. The one thing that does not change is that Plan A coverage is the same no matter which Medicare supplemental insurance company you choose to purchase it from. Plan A is Plan A from provider one or provider two.  Don’t be surprised when you find that you are required to pay more or less than a spouse, friend, friend, or relative. Medicare supplement insurance plan prices are not yet standardized because of this each insurance company is entitled to set their own rates effectively. The easiest way of getting the best rate in the market is to that your time comparing what different Medigap companies are charging.

  1. Claims

Patients and their doctors are not required to file claims because the rates are set by Medicare directly. This makes life more bearable for those seeking outpatient services. Claims are filed electronically. Medicare will send an explanation of benefits to you and your Medicare insurance provider for every Medicare claim they pay.

Learn more about Medicare Supplemental Insurance plans, rates, and more at http://www.emedicare-supplemental-insurance.com.  Our expert Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to a Medicare expert call toll free 888.404.5049 today!

How Does Medicare Advantage Compare to Original Medicare

A Medicare plan can either fall under Medicare Advantage or Original Medicare. Each of these plans has its own merits and demerits. Most people are left confused as far as Original Medicare and Medicare Advantage is concerned thus the importance of articles clarification such as this.

How does Medicare Advantage compare to Original Medicare?

Here’s how:

  1. Medicare Advantage

Medicare Advantage plans are normally sold by private insurance companies that specialize in providing Medicare benefits. The most common types of Medicare Advantage plans include Preferred Provider Organizations (PPOs) and Health Maintenance Organizations (HMOs) among others.

This kind of plan is designed to provide coverage for certain hospital/medical costs, prescription drugs, hearing, dental, vision among others. This Medicare supplement policy mainly covers the same services provided in Original Medicare Plans with the exemption of hospice care. Most Medicare Advantage plans cover all emergency health service care needs sufficiently.

In terms of coverage costs, a Medicare Advantage plan includes a yearly out-of-pocket limit. Your coverage will pay 100% of all the services it covers particularly after you reach a specific amount limit. Beneficiaries of Medicare Advantage plans pay a fixed co pay cost. A Medicare Advantage plan can also opt not to pay for services Medicare classifies as unnecessary. Nonetheless, this Plan may provide travel coverage for beneficiaries traveling abroad in case of an emergency.

When it comes to networking, those in this kind of a Medicare Supplement policy have to stick to doctors/hospitals within the set network. Beneficiaries who opt for hospitals or doctors outside the plan’s network have to pay more for the services rendered. It is also impossible to buy a Medigap policy that covers out of pocket expenses in Medicare Advantage plans.

  1. Original Medicare

Original Medicare plans are provided by the Federal governments. They are also regarded as the traditional programs. This plan’s coverage includes both Medicare Parts (Hospital Insurance) A and B (Medical Insurance). It generally covers hospital and medical expenses only. Beneficiaries of this kind of a Medicare Supplemental insurance plan are required to part with a deductible cost of 20% for all approved expenses of outpatient healthcare services provided.

This type of plan does not have restrictions on what beneficiaries pay out of their pocket. Beneficiaries are required to pay standardized prices for all services rendered regardless of their health complications. Original Medicare plans do not provide prescription drug coverage. This plan does not provide travel coverage except for special cases which are very rare. The beauty of Original Medicare plan is that beneficiaries can seek medical assistance from any hospital/doctor provided they accept Medicare.

Learn more about Medicare Supplemental Insurance plans, rates, and more at http://www.emedicare-supplemental-insurance.com.  Our expert Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to a Medicare expert call toll free 888.404.5049 today!

Information on Tennessee Medicare Supplement Plans

The State of Tennessee has come up with a great Medicare supplement plan for its eligible residents. The Tennessee Medicare supplement plans are tailored to deal with gaps that Medicare coverage may have created. It mainly covers certain costs that Original Medicare does not cover including: coinsurance, deductibles, and copayments among others.

Tennessee supplemental insurance plans are offered to qualified recipients. It works effectively when combined with Original Medicare which comprises of Medicare Part A and Medicare B.

Some Tennessee Medicare supplement plans are designed to offer special coverage such as hospice care, coinsurance, and foreign travels. Like many others, Tennessee Medicare supplement plans do not provide prescription drug coverage. Those interested in prescription drug coverage have the option of signing up for a Medicare Advantage prescription drug plan or Medicare Part D, which is a supplement to Original Medicare.

All Tennessee Medicare supplement plans are regulated and standardized by Medicare. All the 10 Medicare supplement plans in Tennessee are the same as they are in all 49 states, as specified by their designated letter plans. Medicare plan F in Tennessee is the same coverage that is purchased in the state of Michigan.

Eligible individuals who enroll in a Tennessee Medicare supplement plans within the stipulated six months of Medigap open enrollment are entitled to coverage regardless of their health or age. Enrollees will also not be subjected to higher monthly premiums even if they are in a terrible health state.  Tennessee Medicare plans have a reputation for offering coverage at reasonably lower group premium costs. The State of Tennessee pays a certain percentage of your monthly premium if you have served as a state employee for a minimum of 15 years. A retiree’s spouse can also be included in the coverage provided that the eligible retiree is enrolled in Tennessee’s supplemental insurance plans.

Although coverage costs may vary significantly from provider to provider, Tennessee Medicare supplemental plans providers are required to offer the same benefits to all beneficiaries. Individuals interested in enrolling in a Medicare supplement plan in Tennessee should shop for Medigap policies that meet their coverage expectations and budgetary limitations.

There is wisdom in comparing what different Tennessee Medicare Supplement plans insurance companies offer before making a final decision. Prices may also differ based on your location within Tennessee, your age and health. For more information on supplemental insurance plans in Tennessee check out https://www.tn.gov.


Learn more about Tennessee Medicare Supplemental Insurance plans, rates and more at 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 888.404.5049 today!

What You Should Know About Medicare Supplement Plans in Texas

If you live in Texas, it is important that you find a Medicare coverage that fits your life and your lifestyle. However, some Texas beneficiaries of the Medicare insurance may find that their out-of-pocket expenses as well as the monthly premiums associated with the original Medicare, Part A, and Part B, tend to high and don’t offer the needed coverage. Medicare supplement plans in Texas help in covering these expenses and make your health-care coverage more affordable. Here are some of the things you should know about Medicare Supplement Plans in Texas:

Initial Enrollment Period

In Texas, the initial enrollment period for Parts A and B Original Medicare holders is seven months during a period surrounding their sixty-fifth birthday. This period starts three months prior to the month of your birthday and ends three months after. In other words, you are advised to enroll in a Medicare supplement plan for three months before and after your birthday.  This is your own personal open enrollment plan.

Special Enrollment Period

You can enroll in a Medigap insurance plan without medical underwriting for any of the following reasons:

  • Loss of coverage
  • If you moved to a new area or state
  • If you joined a Medicare Advantage Plan during the right eligibility period (with Medicare Part A and B and at the age of 65), and within the first year of joining the plan, you decide that you want to switch to the Original Medicare Plan.

Renewable At Any Time

Any standardized Medicare Supplement Insurance policy in Texas is renewable at any time whether you have a health condition or not. The plan cannot be canceled as long as you are paying the monthly premium to your insurance service provider.

Prescription Drug Coverage

Medicare Insurance plans sold in Texas after 1st January 2016 are not allowed to include prescription drug coverage. This means that if you want to cover prescription drugs, you will have to join the Medicare prescription plan, Plan D.

Eligibility with Medicare Advantage Plan

If you already have a Medicare Advantage Plan, you are eligible for a Medicare Supplement Insurance plan. However, you should make sure that you leave the Advantage Plan before your Medicare supplemental plan starts. You must also be a holder of the Medicare Part A and Part B coverage.

Insurance firms offering Medicare supplement plans in Texas may offer one or more of the ten different Medigap policies. Make it your responsibility to compare the different Medicare supplement policies available and choose one that meets your financial and health care needs.

Learn more about Texas Medicare Supplemental Insurance plans, rates and more at 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 888.404.5049 today!

Arizona Medicare Supplemental Insurance Plans

All American citizens who are eligible for Medicare are encouraged to enroll in Medicare supplemental insurance plans as these policies are designed to benefit them. Most beneficiaries are reaping the benefits of their investments. Do you live in Arizona? Have you signed up for Medicare supplemental insurance coverage in Arizona? Are you clueless on where to start? Well don’t stress any longer you have come to the right place, at the right time.

Here are vital details about Medicare Supplement Plans in Arizona:

Medicare supplemental insurance policies do not vary from state to state across the United States. Beneficiaries are encouraged to take Medicare coverage for their own benefits. Medicare coverage may cover copayments, hospice care, deductibles, and coinsurance. Arizona Medicare supplement insurance plans are designed to favor beneficiaries who wish to add extra coverage to their existing Medicare Part A and B coverage. It is worth mentioning that only beneficiaries with Original Medicare coverage can purchase Medicare supplemental insurance plans in Arizona.

Interested beneficiaries have the privilege of choosing a Medicare supplement plan that suits them from a wide variety of plans available in Arizona. All Medicare supplemental insurance policies in Arizona are classified by a standardized letter. The most commonly chosen plan in Arizona is Medigap Plan F. Medicare supplement insurance providers in Arizona are required to offer standardized benefits to their beneficiaries.  This means no matter who you buy Medicare supplement plan F from the coverage is exactly the same.

Medicare supplement insurance in Arizona varies in price depending on the company the insurance is purchased through. They also don’t cover additional health care such as dental, vision and hearing. However, Medicare supplement plans in Arizona may include coverage while traveling abroad.

Interested beneficiaries are required to sign up for Medicare supplement insurance within the stipulated six months during the Medigap open enrollment period in Arizona or upon initially receiving benefits. This enrollment period commences immediately you have celebrated your 65th birthday. The general requirement is that you are signed up for Medicare Part B. Insurance companies in Arizona are prohibited from denying coverage or even charging higher premium rates to beneficiaries during the six month Medigap open enrollment period. This rule is made possible by the pre-existing medical conditions agreement. Unfortunately beneficiaries who enroll in various Medicare supplemental insurance in Arizona after this period has expired are not protected from paying substantial monthly premiums and fees for late enrollment.

Medicare supplement policies in Arizona that fall under the same lettered plan may have varying costs for the exact same coverage.  Remember coverage for Medigap PlanF is the same no matter where it is purchased from.  For this, it is prudent for beneficiaries to make their choices carefully. If you are eligible for Medicare, it is recommended that you enroll for a Medicare supplemental insurance that meets all your health care and budge needs.

Learn more about Arizona Medicare Supplemental Insurance plans, rates 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 888.404.5049 today!

Five Things to Know Before You Buy Medicare Supplement Insurance Plans in Michigan

Medicare supplement insurance plans in Michigan are similar to that coverage that is offered in other states within the US. These plans are designed to help in paying for the medical costs that are not paid by the Original Medicare coverage. In Michigan, there is the Michigan Medigap subsidy program that is administered by the Michigan Health Endowment Fund (MHEF) that aims at subsidizing your monthly Medicare premium. The subsidy from the fund is subtracted from the monthly premium you owe your insurance service provider. This means that your monthly premium will be lowered. The following are five things you should know before you buy Medicare supplement insurance plans in Michigan:


You are eligible for Medicare supplement insurance in Michigan if you are aged 65 years and above or have another qualifying condition. Additionally, you must have Medicare Part A, and Part B to be eligible to enroll for the Medicare supplement insurance policy. Other insurance coverage is available for people under the age of 65 but for you to enjoy the benefits of the Medigap insurance in Michigan you must meet the required age limit or have another qualifying condition.

Offered by Private Insurance Companies

Medicare supplemental insurance is offered by private insurance companies. The federal government has allowed insurance companies to offer these insurance policies to private individuals. However, there are rules and regulations on how and whom they can issue Medicare supplemental insurance plans to. Check with the state of Michigan to find out which insurance companies offer Medigap insurance policies and if you are suitable for the plan or not.

Only Cover One Individual

Medigap policies do not cover more than one person. This means that if you are married and want to enjoy the benefits of this policy, you and your partner must get separate policies for yourselves. Each individual must have his or her own policy.

It is important for you to understand that it is unlawful, for an insurance company or broker to sell to you a Medigap policy if you already have other insurance coverage. The State of Michigan prohibits all insurance companies from selling Medigap policies to individuals who are already covered under other insurance programs.

Medicare Supplement Insurance Coverage

Before buying Medigap insurance coverage in Michigan, it is important to know that what the policy does and does not cover. The policy does not cover long-term care in nursing homes, dental care, vision care, eyeglasses, private-duty nursing care and hearing aids.

If you live in Michigan and require Medicare supplement insurance, it is essential to check out if you are eligible and then seek more information on the policy, what it covers and what it does not cover.

Learn more about Michigan Medicare Supplemental Insurance plans, rates and more at 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 888.404.5049 today!