What Is Medicare
Medicare is a fee-for-service health care program for seniors, in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits (see below). However, the majority of our clients are looking for more coverage than just Original Medicare, and decide to enroll into one of the Top Rate Medicare Supplements that are available
Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.
Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
Part B (medical insurance): Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection. Examples include ambulance services, mental health care, outpatient procedures and clinical research.
Medicare Advantage: Managed Care. HMO and PPO Networks
Part D: Offers prescription drug coverage.
Why do you need Medicare?
Once you become eligible for Medicare you have reached a major milestone in your life. Quite frankly, Medicare is the best insurance offered in the United States which is why most people have to wait until they are 65 to enjoy the benefits that it offers. You no longer have to be concerned with what doctors and hospitals accept your insurance or worry about how much treatment will cost if ever faced with a medical catastrophe. When you pair Original Medicare with a properly chosen Medicare Supplement policy, you will have absolute financial security when it comes to your healthcare and unrestricted access to the best quality doctors and facilities nationwide
Contact us today to learn more about coverage options. We are happy to work with you to determine which Medicare options works best for you.
Know Your Medicare Open Enrollment Dates
Medicare open enrollment happens every fall and gives Medicare participants across the nation a chance to make changes to their health coverage.The 2019 Medicare open enrollment dates are Oct. 15, 2019, through Dec. 7, 2019. During this period, you can:
Change Original Medicare coverage plan to a Medicare Advantage Plan
Choose a different Medicare Advantage Plan
Enroll in Medicare Part D prescription drug coverage plan
Choose a different Medicare Part D plan
To enroll in a Medicare Advantage Plan, you must already be enrolled in Medicare Part A and Part B, otherwise known as Original Medicare. Seniors are eligible for Original Medicare when they turn 65 and can enroll either automatically or during what’s called an Initial Enrollment Period.
If you’re considering making coverage changes during the 2019 Medicare open enrollment period but need help reviewing your options, Medicare Solutions can help. Contact us today to discuss your situation.
Medicare Open Enrollment Period Vs. Initial Enrollment Period
If you’re coming up on your 65th birthday, congratulations! You’ll soon be eligible for Medicare health insurance coverage, a perk that millions of seniors across the United States rely on to pay their medical expenses as they age.
Breaking Down Medicare
Medicare has many facets, and it’s understandable to feel confused or overwhelmed by all the different coverage plans, enrollment dates, requirements, and restrictions. We are here to help simplify all aspects of Medicare so that seniors across the country can make informed decisions about their medical benefits.
Here’s a quick breakdown of the various aspects of Medicare:
Medicare Part A: Covers inpatient hospital care, hospice care, home health care, and inpatient (not long-term) care in a nursing facility.
Medicare Part B: Medical supplies or services that are necessary to prevent, diagnose, or treat illnesses and health conditions. Includes mental health treatment.
Medicare Advantage: This is sometimes referred to as Medicare Part C. Provided by a private insurance company, Medicare Advantage Plans feature the same coverage afforded by Parts A and B, but often with additional benefits such as dental or vision.
Medicare Part D: Covers prescription drugs.
Medicare Supplement Insurance: Covers what Medicare Parts A and B does not. There are 10 different Medicare Supplement Plans available in most states, and coverage varies from plan to plan. Policies are sold separately by individual insurance companies. We work with the top insurance carriers to match seniors to the best supplement plan for their specific health care needs.
The one recommended to us was fully covered by Mutual of Omaha. Had we chosen the Medicare Advantage plan, he wouldn’t have been able to go there. They won’t pay. the hospital person helping me was relieved to here we had straight Medicare and a supplemental.”
-Chris, Happy Customer
-Audrey (Patty) S, Happy Customer
-Carlene, Happy Customer
-Jed K, Happy Customer
I would recommend your company to anyone who is interested in getting a Medicare Supplement Plan. Thank you again for all of your help and for Mr. Fred Lewis.