Is Tennessee Medicare Supplemental Insurance Necessary?

If you are thinking if Tennessee Medicare Supplemental Insurance is necessary or not, this article is for you! First you have to examine your current situation. If you already have Medicare Parts A & B and you feel this is still not enough, you might want to look into a supplemental Medicare plan. You really have to sit down to see what you are paying out of pocket, and then you will truly know if you need a Tennessee Supplemental health insurance plan.

What is Medicare Supplemental Insurance in Tennessee?

In trying to understand Medicare Supplemental Insurance in Tennessee, I often advise people to take a look at many residents of the volunteer state who have been able to pay their premiums, deductibles, and other expenses which are not part of their initial medical coverage. It is the Medicare supplemental insurance in Tennessee that has made that possible.

The initial or traditional Medicare, of little doubt, offers excellent quality coverage but a supplemental insurance policy would mean a ton of benefits for TN residents. Such benefits could mean a lot of difference. Such as beneficiaries would now have to pay steep medical bills with out of pocket and still have enough insurance to cover all those services around the provision of reasonable life as one gets older.

How to Choose a Supplemental Plan

Medicare supplemental plan often referred to as Medigap, covers part B premiums and deductibles, including services that are not included in Medicare coverage. A clear way to understand the supplemental plan is to see it as a service that helps you fill the gaps that were created by the traditional Medicare plan. Both Medicare parts will have gaps and this is where a supplemental plan comes into play.

For Tennessee residents who want to benefit from the supplemental plan, you must be –

  • Enrolled in Medicare parts A and B
  • 65 or older
  • Sometimes it is best to wait till open enrollment

You should also note that the Federal government has approved 10 Medicare Supplemental plans, which labels from Plan A through N. meanwhile, plans E, H, I and J are no longer available however for those who already purchased these plans before they expire are still eligible to use it.

Medicare supplemental plans for Tennessee Residents

If you reside in Tennessee and you are looking to understand why you should subscribe to a Tennessee Medicare supplemental plan, first of all, you should note that thirty-seven insurance companies have licenses to sell at least one Tennessee Medicare supplemental insurance plan.

The Tennessee Medicare supplemental insurance plan is necessary because the way at which they operate is similar to other cities like Michigan, Arizona, and Texas. For example, the lettered plans have the same operations with less regard to which company is offering it. Instead, the price might be the differential mark from one company to another, but the service within each letter remains the same as directed by the Federal Law.

You wouldn’t want to miss out on supplemental insurance because it’s as much necessary as the Medicare plan in itself. It offers you the flexibility and other benefits such as getting the preventive care you need with regular doctor’s visit, unexpected medical emergency or condition and a ton of benefits. And overall, Tennessee Medicare supplemental Insurance makes them cheap and easy.

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!

Beginners Guide to Medigap

As we get older, it is customary to rely on healthcare insurance to meet the unexpected medical expenditure. Our financial assets can get depleted in no time even if we suffer from a single serious health disorder. In order to bridge the gaps in your original Medicare coverage, a Medigap policy is offered by a private insurance company. These Medigap polices cover those medical expenses which your Medicare policy does not cover.

Medicare Part and B

Medicare systems are designed for senior citizens aged 65 and above and they are made of two parts. Part A and Part B, together covers a part of the inpatient and outpatient medical expenses. There are other financial requirements for a holistic healthcare and this is where Medigap comes into the picture and provides a supplementary health care coverage along with your Medicare policy.

How Many Policies To Choose From?

Medicare policies are federal sponsored policies. On the other hand, Medigap coverage policies are sold by insurance companies. There are 12 standard Medigap policies, Plan A through L, whose benefits and price tag differ. Apart from these 12 policies, Medicare SELECT is yet another Medigap policy which is less expensive when compared to the standard Medigap policies. But only individual circumstances can settle on which Medigap policy works best for you.

Medigap coverage policy takes care of the following health care costs: Coinsurance costs for Medicare covered doctor bills, hospitalizations covered by Medicare, costs of skilled nursing care, first 3 pints of blood, costs of additional covered 365 hospital days after the Medicare covers the initial 60 days, custodial care costs, preventative care and emergency overseas healthcare treatment are some of the medical expenses taken care of Medigap policies.

Enrollment

The right time to enroll for a Medigap policy is the month after you turn 65. This is because, insurance companies cannot deny selling the policy due to some previous health disorder and the premiuim remains the same. Hence choose the right Medigap policy at the accurate time to go easy on the pocket during your retirement life.

The key benefit is that Medigap helps individuals pay for those additional cost that Medicare does not cover such as co-insurances, deductibles and premiums.

Some services may also be covered, depending on the needs of the policy holder. In addition to this, coverage is oftentimes provided (where applicable) during deductible periods. Most importantly and depending on the Medigap supplement insurance that the consumer opts for, there may be additional benefits that are not covered by traditional Medicare insurance even though Medicare will continue to pay for approved health care costs.

Consult an independent insurance agent that specializes in Medigap insurance to help guide you through the process.

Having an insurance policy is quite important to everyone who is in need of it, and every senior worries a lot about the needs for good medical insurance. When you shop with us you recommend a plan that suites your needs! You can depend on us to provide you with the type of coverage that is right for you!

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!

What you need to know about Arizona Supplemental Health Insurance

In Arizona, as in most states, insurance companies can only sell “standardized” Medigap policies. Most states do this because they like to have an easily regulated system. While each of the plans does have their own metrics and has stipulations that allow only some people to qualify. These stipulations and plans are consistent for all seniors throughout the United States. These policies are identified by letters (Medigap Plans A through N). It is important to note that the pricing on each of these plans differs depending on your age and location. Medigap plan F offers a high-deductible option. The benefits in any Medigap plan A through N are the same for any insurance company.

What is a Medicare Supplemental Insurance Plan?

A Medicare Supplemental Insurance plan in Arizona covers some of the costs not paid for by original Medicare (Part A and Part B). These costs might include copayments, deductibles, and other out of pocket expenses. A Medicare supplement insurance plan also referred to as a Medigap plan, is designed to work with original Medicare to cover some of these expenses.

Some Medicare Supplemental insurance plans in Arizona might also offer coverage not included with original Medicare, such as coverage in foreign countries or coinsurance for hospice care. Medigap plans do not include prescription drugs in their coverage. If you are interested in adding prescription drug coverage to your plan, you might want to consider enrolling in a Medicare part D prescription drug plan or a Medicare advantage plan.

Choices in Medicare supplement insurance plan in Arizona

There are 10 different Medicare supplemental insurance plans available in most states. Each plan type is designated with a letter of the alphabet. Plans are standardized by Medicare so that every plan that falls under a specific letter type will offer identical coverage.

For example, a plan A will include the exact same coverage no matter what company is offering the plan. Cost of the plan may vary from company to company and country to country within the state. In addition, a plan C or F will differ from a plan A in terms of both coverage and costs.

Selecting Medicare Supplemental insurance plans in Arizona

Not every Medigap plan may be available from every insurance company providing Medicare Supplement insurance plans in the state. In, addition, the monthly premiums may result in higher out of pocket expenses for medical services, so consider both variables when comparing the overall cost of the plan.

If you are interested in a supplemental insurance plan in Arizona, it is helpful to become familiar with the different plan types so that you can choose the best plan type for your specific needs. Once a plan type is selected, you can compare plans between various companies to find the one that fits within your budgetary guidelines. Keep in mind that costs will also vary from country to country within the state. This means Plan A in Shelby County might have a different premium than the same plan in Montgomery County.

Medicare supplemental health insurance can be quite the task to research and figure out all the different parts. We have made this simple, just call us at 877-202-9248 and we can recommend a plan that covers your needs while keeping it in your budget. You can also visit our website at www.emedicare-supplemental-insurance.com 

 

Medicare Spends Far More On Older Adults Who Need Personal Assistance

Want to know if an older adult is likely to use lots of medical care? Just ask if she needs help with living activities such as bathing, dressing, or getting out of bed.

In a new study with important implications for both caregivers and policymakers, researchers at the Long-Term Quality Alliance (LTQA) found that Medicare spends an average of three times as much on an older adult who has these functional limitations than on a senior who does not. Even after adjusting for age, the number of chronic conditions, or Medicaid eligibility, the pattern is the same: If you have severe functional limitations or cognitive impairments such as dementia, Medicare will spend far more on your medical care than if you do not. Earlier studies, including one in 2011 by Judy Feder and Harriet Komisar reached similar conclusions.

Striking results

This study is important because it highlights the consequences of the flawed way we care for older adults:  Medicare does not pay for personal assistance yet those who need it are likely to be very high users of medical care, which Medicare does pay for. The study results imply that we could reduce Medicare’s medical costs if we provide cost-effective personal care for older adults.

The numbers are striking: In 2011, Medicare spent an average of about $7,100 on enrollees who had no need for long-term supports and services but about $20,200 for older adults who needed significant help with personal care and were living at home.

Since people who need supports and services tend to be older, the researchers broke down their analysis by age. The pattern was the same: Medicare spent an average of $5,300 on people age 65-74 with no need (or low levels of need) for personal assistance but nearly $19,500 on those living in the community who did need help with daily activities. For those aged 80 and over, Medicare spent about $10,000 on those without personal care needs and more than $21,000 on those living at home who did need assistance.

Not just dual eligibles

The study also looked at whether the story changed for those dually enrolled in both Medicare and Medicaid. While the variation of spending was somewhat different, the basic story was the same. Among those living at home, Medicare spent nearly three times as much for non-Medicaid recipients with personal care needs (roughly $19,800 v. $6,600). For those on Medicaid, Medicare spent a bit less than twice as much for those who needed help with daily activities ($21,100 v. $11,200).

This suggests that policymakers who are looking for ways to better integrate long-term supports and services with medical costs need to broaden their focus beyond just those on both Medicaid and Medicare. Until now, almost all policy initiatives have been focused on those dual-eligibles.

This study shows that looking for ways to provide personal assistance to those eligible for Medicare only may also be a fruitful way to reduce program costs. It suggests that policy changes such as the Senate-passed bill called the CHRONIC Act, which for the first time would allow Medicare to provide some supports and services, may be one way to go.

For data geeks, a quick word on the study:  It was based on fee-for-service care only, thus excluded Medicare managed care. It matched Medicare claims with the National Health and Aging Trends Study (NHATS) for 2011. It defined those with personal care needs as those who need assistance with two or more Activities of Daily Living (such as bathing, dressing, toileting, eating, and transferring). This is roughly equal to a level of need that would trigger private long-term care insurance or Medicaid benefits.

The LTQA study is the latest evidence that dividing personal care and medical treatment raises health care costs. And it suggests we ought to keep looking for ways to better integrate care, which could both save money and improve people’s quality of life.

Original Source: https://www.forbes.com/sites/howardgleckman/2017/10/30/medicare-spends-far-more-on-older-adults-who-need-personal-assistance/#21f673ce73cb

Original Date: Oct  30 2017

Original Author: Howard Gleckman

WHAT IS THE COST OF MEDICARE SUPPLEMENTAL INSURANCE IN TEXAS?

Fоr senior citizens, the chances of medical expenditure are rising at a very high rate. As our body’s age we are more prone to illness. In addition, to maintain good health we require checkups. For those who are retired and depending on a pension, this can easily deplete our governmental Medicare plan and force us to use hard-earned savings to meet medical bills. This is where Medicare supplemental insurance comes in. Supplemental insurance has many names, Medigap is the most commonly used name.

Why Get A Supplemental Plan?

The Medicare plans only cover part of one’s inpatient and outpatient cost. There are also many other items they do not cover. For this reason, most people will probably require supplemental coverage, which is what Medigap offers.

A key concern among many of those who seek supplemental health care coverage on top of that which Medicare provides is “How much is the cost of Medigap?” Researching for the exact coverage provided by each of the Medigap policies is easy as these are standardized via law to be the same regardless of the state or company offering the policy. However, the cost of Medicare Supplemental Insurance in Texas is a little more difficult to obtain. Medigap are offered by insurance companies. The cost of Medicare supplement insurance will therefore depends on several factors. Medigap policies are offered by independent insurance companies.

Shop Around For Companies

One factor that affects the cost of Medicare supplemental insurance is the company, as they charge different premiums. These premiums may vary quite significantly from company to company and it is important for anyone seeking a policy to carefully review several polices before settling for a particular one. Although the prices vary, the chosen plan will have the exact same coverage with every company. This means іt is wise to shop around.

There are about 10 Medigap plans and the cost will depend on which plan you choose. Each plan has its specialty and its specific benefits. When you decide to take a supplemental plan, be sure to explain your specific needs to the insurance agent to enable them to help you identify the most appropriate plan for you. At eMedicare Supplemental Insurance we help recommended the best plan for your needs.

Another factor that affects the cost of Texas Medicare supplemental insurance is the method used to determine the premiums. There are three methods. For the attained-age premium, the amount paid increases with age. This means that at registration, the premiums are fairly low but by the time a citizen attains the age of 80, the amount will have increased significantly. According to the Kaiser Family Foundation (KFF), the majority of Medigap policies issued in Texas are attained-age rated. For community-rated premiums all the people in a specific geographical region are charged the same premium, regardless of age. The premium is determined by perceived health risks in the area. Issue-age premiums are determined by the age at the time of enrollment. Enrollment at an advanced age attracts higher premiums but they do not increase with age after that.

Inflation

There are other factors that also impact the Medigap cost. Hеаlthсаrе inflation іѕ one example. Inflation is almost inevitable and it impacts all categories of insurance policies. Other factors that influence the premium costs include the results of your medical underwriting, geographic location and any discounts offered. Additionally, enrolling for a policy during the six month open enrollment can be more cost effective because you have more choices available to you, and the insurance provider cannot deny you coverage based on health issues or tack on additional charges.

The best advice for anyone concerned about and looking for Texas Medicare Supplemental coverage is to call us. We are Medicare experts and will be able to recommend the right plan for your needs. This could save you a large sum of money over the years. The rates are not government imposed, so there is competition with the insurance companies however, we shop around with the main companies to bring you the best supplemental insurance price!

You can contact us at 877-202-9248 or visit our website at www.emedicare-supplemental-insurance.com. We are located in the United States and are licensed to sell Medigap in Texas.

 

MEDICARE SUPPLEMENTAL INSURANCE PLANS IN MICHIGAN

Medicare services are a privilege that you have earned a right to enjoy. However, Medicare supplement insurance plans in Michigan do not cover all healthcare services and supplies. You would have to pay some coinsurance and deductibles before a Medicare pays its share, but certain costs such as emergency travel are covered in Medicare supplement insurance plans in Michigan. These plans are easily assessable depending on your zip code, so having an idea of the services Medigap covers in Michigan would help you select a plan that best fits your health and budget needs.

The 10 Plans Of Medicare

Michigan Medicare supplemental insurance plans are designed to cover the costs of Medicare beneficiaries for Part A and B (Original Medicare) which are associated with costs including deductibles, coinsurance, and copayments. However, these plans do not cover Part C (Medicare Advantage) costs. There are 10 approved and standard Medicare Supplemental insurance plans available in the 47 states of the United States, including Michigan, and each Medicare plan is identified using one of 10 letters (A, B, C, D, F, G, K, L, M, and N)with supplement plans of the same letter offering the same Medicare services.

Be Aware Of The Open Enrollment Period

In order for you to be eligible for any Medicare Services in Michigan, you would have to be enrolled in Original Medicare which includes Part A and Part B. The best time to enroll for Original Medicare is your Medigap Open Enrollment Period and this period starts on the first day of the month that they are both 65 years old and are enrolled in Medicare Part B. The enrollment period usually lasts for six months during which you would have a guaranteed-issue right which would allow you enroll in any Medigap plan available in your area. While you cannot be denied medical coverage altogether due to your health status or be required to undergo a medical underwriting process, you may be denied medical coverage if you try to enroll or switch medical plans outside the Medigap Open Enrollment Period except you have guaranteed-issue rights.

Original Medicare Still Matters

Understanding that Medicare insurance plans are meant to supplement Original Medicare and not to replace it would help you seize the opportunity the plan offers. It is important that you remain enrolled in your hospital’s Original Medicare and medical coverage and continue paying your Medicare Part B to sustain this medical coverage. Also take note that Medicare plans in Michigan do not offer coverage for prescription drugs, so if you need such coverage, it would be best to consider enrolling in a stand-alone Medicare Part D Prescription Drug Plan.

We can help you with any Medicare or Medigap related questions you might have. We can even recommend a plan right for your needs. Give us a call at 877-202-9248 or visit our website at www.emedicare-supplemental-insurance.com.

How to Apply for Medicare Supplemental Insurance in Tennessee

Medicare Supplement Insurance, also known as Medigap is part of the American Medicare insurance plan that is not covered in the first part known as part A and B. For Medicare insurance beneficiaries in Tennessee that currently enjoy the Medicare Supplement Insurance (Part A and B) would notice that these plans do not cover their entire health expenses, hence the need to enroll for Medicare Supplement plan.

Medigap beneficiaries in Tennessee would have to benefit from expenses such as copayments, coinsurance, deductibles, and possibly other out-of-pocket expenses. Fortunately for you reading this article, Medigap policies are peculiar to each state. So if you are in Tennessee and planning to apply for medical supplemental insurance, you’re better placed reading this article because you are in the right place.

How to Enroll in Medicare Supplemental Insurance if you are from Tennessee

The best way to enroll in Medigap in Tennessee is to apply during your six-month Medicare Supplemental Insurance Enrollment Period. This starts from the first day of the month when you clock the sweet old age of 65 and enrolled in the Medicare Part B plan.

At this point in time, you would still be eligible to apply for Medigap Tennessee even if you currently have health problems. There wouldn’t be any need for medical underwriting.  Premiums are also not high when looking at with pre-existing conditions. Also you would be given the opportunity to apply for a Medigap plan of your choice.

However, after the six-month period, it’s left for you to reapply for Tennessee Medigap. But in the case of re-application, you may be required to undergo a medical underwriting. And the issue with this is that: there are possibilities that you may end up paying more or the worst case be denied coverage due to a pre-existing condition.

See Different Medigap Plans in Tennessee

Supplemental plans in Tennessee vary based on the provider and the area in which the recipient is located. But the plans remain consistent within the letter in which they exist.

Pro Tip: wherever you live, it’s good that you seek for information regarding Medigap policies that best fit  your location, your income range,  and your health condition. We can help with this.

Also, it is vital that you fully evaluate Medicare Supplement Insurance Plans. When you shop for a plan that covers your Medigap needs as established above, which include: the lettered criteria, your health condition, and your location. All these put together will help you achieve a better supplemental insurance choice that would offer you the best of all options in Tennessee.

Always Here to Help

With all these, if in any case you aren’t clear with which option is best for you, you could as well get in touch with us with your zip code and some credentials which we will require as regarding your health condition for assistance so we could come up with the best Medicare supplemental insurance policy that’s best for you.

Feel free to call us at 877-202-9248 or browse our website at www.emedicare-supplemental-insurance.com. We can help answer your Medicare and Supplemental health questions.

ENROLLING IN ARIZONA MEDICARE SUPPLEMENTAL INSURANCE

A Medicare Supplement Insurance plan in Arizona is designed to assist you in the payment of some health care costs that are not covered by Original Medicare such as coinsurance, copayments, and deductibles. Unlike Medicare Advantage Plans, Medicare Supplement Insurance Plans in Arizona are meant to supplement Original Medicare and not stand alone. For those who desire to get stand-alone Medicare coverage other than Original Medicare, they may already have been considering taking advantage of a Medicare Advantage Plan.

Plans Available through the States

Beneficiaries of Arizona Medicare Supplement Insurance plans may select from a variety of available plans which are classified using a letter, with 10 letters (A, B, C, D, F, G, K, L, M, and N) in all and same applies to all 47 states. Medicare plans with the same lettered patterns offer the same medical coverage and benefits. While medical coverage may include traveling outside of the country, other additional benefits such as dental, vision, and hearing are not generally included.

Open Enrollment Period

Medicare beneficiaries may choose to enroll in a Medigap plan in Arizona during the Medigap Open Enrollment Period which lasts for six months. During this enrollment period, companies cannot deny medical coverage or charge higher premiums to Medicare beneficiaries as a result of pre-existing health conditions. It is still possible to enroll in a Medicare Supplement Plan after the Medigap Open Enrollment Period; however, there would no longer be protections for pre-existing health conditions.

Varying Premiums

Although Medicare plan coverage in Arizona may be similar, the costs for the Medicare plans may vary. Factors that some companies take into account which could lead to varying costs of plans include health, age, smoking status, and gender. Some Medicare Insurance companies offer a discount if a married couple has the same carrier. Others offer a discount for Medicare beneficiaries who choose to key into Electronic Fund Transfer (EFT) in order to have premiums directly withdrawn from a checking account. So it is important to consider the plans and their coverage so you can select the plan that best fits your needs.

Thinking Of Choosing Plan F

Medigap Plan F is the most common plan in the country and it is available in Arizona. However, this plan has a high deductible option which leads to a significant decrease in monthly premiums. While this may look appealing, the plan should be considered carefully as it may not be ideal for an individual with a medical condition that demands frequent lab visits. Also take not that the deductible must be met before the benefits associated with Medigap plan F can be utilized. Also there is talk that in year 2020 they will no-longer offer plan F. In any of the plans you decide to work with in Arizona, careful consideration is important.

Research is key to finding the best Medicare supplemental plan for your needs. If you are not sure where to start, give us a call at 877-202-9248. At eMedicare Supplemental Insurance we are dedicated to bringing you the best customer service and satisfaction. We are fully licensed insurance brokers located in USA. Don’t wait call us today! Visit our website at www.emedicare-supplemental-insurance.com

6 Tips For Enrolling In Medicare

The annual Medicare Open Enrollment season opened Sunday, Oct. 15 and runs through Thursday, Dec. 7. Unfortunately, Medicare is a maze with more twists and turns than an Agatha Christie novel.

So what follows is below are my six tips for finding your way through it this year or in the future once you’re 65 or older. With a deliberate, careful approach, you can master the program’s terminology and the rules and get all the Medicare benefits to which you’re entitled.

Two essentials to know:

1. Everyone signs up for Medicare through the Social Security Administration, and that agency will be your contact point for questions as well as your actual registration.

2. If you are already receiving retirement benefits from Social Security before you turn 65, you won’t have to do anything — you’ll be automatically registered for Medicare Part A (covering clinics, hospitals and other medical facilities) and Part B (covering physicians and other service providers) starting on the first day of the month of your 65th birthday. But if you aren’t getting Social Security benefits yet and are 65 or older, you’ll have to take the initiative yourself and sign up on your own.

Now, my six tips:

1. Start early and don’t procrastinate. You can begin the process of applying for Medicare up to three months before you turn 65. At that point, you can contact Social Security by phone, visit your local Social Security office or sign up for benefits online, depending on your preference.

But it’s a good idea to begin educating yourself about Medicare at least three or four months before you apply. That way, when the time comes, there will be no confusion and you’ll be ready to select the Medicare plan or set of plans you really want.

2. Study each type of Medicare plan and try to gain a clear understanding of all of them. The plans you’ll need to research include:

  • Plan A (covering medical facilities)
  • Plan B (covering medical providers)
  • Plan C (Medicare Advantage plans, which mimic private insurance plans and function as an alternative to a Plan A/Plan B package)
  • Plan D (prescription drug plans, used to supplement coverage gaps)

Familiarize yourself with the terminology they use, so you’ll have clear ideas about what you’re signing up for and why some choices are better than others.

The government’s Medicare site is a good place to start looking for information, but don’t limit yourself to just once source. Seek out a user-friendly site that takes an “everything you’ve always wanted to know about Medicare” approach to the subject. (Personal plug: My company’s site, Medicare on Video, is one.)

3. Find someone to assist you with your research (if you think that would help). A trusted family member or friend might be a valuable aide, especially if he or she is someone who’s already had dealings with Medicare and health insurance issues. A person like this could be a good resource if you feel confused or intimidated by Medicare’s labyrinth of coded lingo and convoluted regulations.

4. Call Social Security with any specific Medicare questions before you sign up for Medicare. If there is something you don’t understand or you are unsure how the rules would affect you, phone Social Security and ask. Stay on the line until all your questions have been answered and all your doubts erased. The phone number is 800-772-1213.

5. Pick the right time to call so you can avoid long delays. The busiest times for Social Security (and the hardest times to get through) are on Mondays, Fridays, early in the morning and on, or near, the first of the month.

The best time to call for information or to let Social Security know about your Medicare plans is from Tuesday through Thursday, preferably between 10 a.m. and 3 p.m. ET. If you do get put on hold during those times, it shouldn’t be for long.

6. Above all, don’t get stressed. Applying for Medicare coverage and benefits is not as scary or difficult as you think. Beneath all the bureaucracy and confusing terminology there is a logical, rational system that can be understood once you break through the initial walls of obfuscation.

Original Source: https://www.forbes.com/sites/nextavenue/2017/10/16/6-tips-for-enrolling-in-medicare/#6037aef3a777

Original Author: Keith Armbrecht

Original Date: Oct 16 2017

How And Why Medicare Supplemental Insurance in Texas Is For You

People who have sought Medicare for their family would be aware of its potential prospects and its benefits. They would be taking adequate steps in making sure that they go for Medicare as soon as possible in their lives. Since this is one effective way to save money on healthcare expenses. There are two Plans of Medicare- Plan A and Plan B and both have undeniably important roles to play.

Still, there may be clauses that Medicare might not be covered in these two plans, and this is why today there is a plethora of Medicare supplemental insurance in Texas. These policies are available locally in each state, and their clauses and premiums would vary too. Yet, these supplemental insurance policies are in great demand by those who are nearing sixties or in their mid-sixties. We shall now check on the areas that Medicare cover and the ones that require Medicare supplemental insurance.

What are the areas that Medicare plans usually cover?

Medicare Part A would cover hospitalization, nursing and even home health care services cost. This you would get automatically if you have Medicare Part A. Medicare Part B is for covering doctor bills, and for purchasing regular medical supplies. Part A would work without your monthly premium while Part B would require you to pay the monthly premium. There is no necessity for you to select both the plans compulsorily at all. Many organizations, public and private encourage their staff to go for these but there are certain areas, which do not cover under these two plans. That is why today Medicare supplemental insurance in Texas come up to fill in the void.

What are the areas that Medicare plans do not cover?

From custodial long-term care to eye related and dental related examinations and cosmetic surgeries, acupuncture, hearing aids and even foot related ailments do not fall under any of the two plans. Medigap or Medicare Supplemental plans come in here offering 10 standardized plans. These plans are numbered as A, B, C, D, F, G, K, L, M and N. People, who have crossed the age of 65, and eligible for Social Security or Railroad Retirement benefits, are also qualified for these Medigap plans.

Further, those who are at the end stage of the renal disease also are eligible to get the Medigap plans. However, from Medicare itself, you would be able to get an information booklet where all the details and further FAQ’s would be there to answer even other queries.

How to Select the right Medicare Supplement Plan

From the Medicare’s official website itself, one can get the names of the popular Medicare supplemental insurance in Texas and they can pick the right one from here. While a few people might take time and read through individually all the policies, many others might simply prefer to compare the plans and then opt. Yes, right under the heading of “Supplements and Other Insurance” one would be capable to get “How to Compare Medigap Policies”. This would be able to offer detailed comparisons between all the policies in your state.

We can also help in comparing Medicare Supplemental Plans with some basic information about you. Call us today at 877-202-9248 for free supplemental Medicare plan recommendations. You can also visit our website for more information at www.emedicare-supplemental-insurance.com.