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Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ Medicare Supplement Plan N – Medigap Plan N Coverage: Doctors and Co-pays The Medicare Supplement Plan N is a true Medicare Supplement, which means that Medicare is your primary insurer. So as long as the doctor or hospital accepts Original Medicare, they will accept the Medicare Supplement Plan N and you can keep your doctor. The Medicare Supplement Plan N does come with a few co-pays. The co-pay for doctor’s visits is UP TO but NO MORE than $20.00 per visit and a $50.00 co-pay for the ER (emergency room). These co-pays are not paid in the traditional sense, where you would pay your doctor or the ER at the time of the service. These co-pays will be mailed to your home and you will pay them that way instead of in office. Medicare Supplement Plan N is also called Medigap Plan N. Medicare Supplement Plan N is a great option for people that want the benefits of having a Medicare Supplement Plan, however want to keep a lower m

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ We have all seen commercials on TV or mailers that appear to advertise $0 premium Medicare Supplement plans. The reality is, there is not such thing as a $0.00 premium Medicare Supplement Plan. If this is the case, than why do we all see commercials that advertise a $0 premium? Those advertisement are actually referring to Medicare Advantage Plans. Here is how the Advantage Plans work, the Plans that are advertised as $0.00 premium are actually the same price as Medicare, so you will still pay the $135 for your Part B Premium. The reason that some Medicare Advantage Plans are the same prices as Medicare is because these plans to not actually pay the bills that Medicare charges, instead the Plan replaces what Medicare Part A and B would charge, with that Plans own set of bills. Here are some examples: When you go the hospital, Medicare will require you to pay the first $1364 (Part A Deductible). Well, a Medicare Advantage

This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 70, in Cleveland County, Oklahoma (zip code 73160). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $185. As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that. You may ask, “Why do these companies charge diff

   Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 70, in Tulsa, Oklahoma (zip code 74133). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $185.  As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement cov

   Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ Medicare Supplement Plan G - Plan G Benefits - Plan G Quotes The Medicare Supplement Plan G is the second most comprehensive Medicare Supplement plan available. The coverage with the Medicare Supplement Plan G is some of the best coverage you will ever have in your life. The Medicare Supplement Plan G covers all of your Medicare out-of-pocket costs except for the Medicare Part B annual deductible ($185 for 2019).  The Medicare Supplement Plan G covers the following services:  · The Medicare Part A hospital deductible – if you are hospitalized with the Medicare Supplement Plan G, you will have no hospital bill.  · Medicare Part B coinsurance or co-payment – there are no co-pays with the Medicare Supplement Plan G. · Blood (the first 3 pints) · Medicare Part A hospice care coinsurance or co-payment · Skilled nursing facility care coinsurance · Medicare Part A coinsurance and hospital costs up to a

   Click Here to Shop Part D Plans: https://www.seniorhealthcaredirect.com/2018-medicare-part-d-finder-form/ The Medicare Part D updates are here and here is your sneak peek! One very exciting announcement is with the passing of Obamacare, the Donut Hole (Coverage Gap) will be discontinued in 2020. In this video I will be breaking down the Medicare Part D drug plan updates for 2020 by going over each individual level of the four levels for next year. These levels are The Deductible Level (unless your plan does not have a deductible), The Initial Coverage Level, The Coverage Gap which no longer exists but we will continue to refer to it as the Coverage Gap until another name can be decided and lastly The Catastrophic Coverage Level.  1. The Deductible Level · The new deductible for 2020 is $435. For those of you that have a tier deductible and take a tier 1 (preferred generic) or tier 2 (non-preferred generic), this deductible does not apply. These medications will most likely range from $1.00 t

 Medicare Supplement Plan F is the most comprehensive Medicare Supplement Plan that you can buy. The coverage with the Plan F is amazing. With the Plan F you can keep your Doctor and go to any hospital in the Country that accepts Medicare.   Medicare Supplement Plan F pays the Medicare Part A Deductible.   Medicare Supplement Plan F pays the Medicare Part A per day hospital charge that starts day 90.   Plan F will also pay for an additional 80 days in a Skilled Nursing Facility.   Medicare Supplement Plan F pays the Medicare Part B Deductible.   Medicare Supplement Plan F pays the 20% that Medicare Part B does not pay.   Medicare Supplement Plan F benefits are not changing in 2020. There is speculation that due to no one that turns 65 after January 2020 will be able to purchase the Plan F that the premiums could be raising substantially due to an increase. This could happen, however the Medicare Supplement Plan F will not be able to require all

   This Rate Watch Wednesday is focused on the Medicare Supplement High Deductible Plan F for a male and female, ages 65 and 70, in Palm Harbor, Florida (zip code 34683). Medicare Supplement High Deductible Plan F is the best value for a Medicare Supplement Plan in the state of Florida and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement High Deductible Plan F, after the premium, is $2,300. That number may sound intimidating but Medicare still pays 80% of your medical bills so you would only be paying 20% of your medical bills until you reach $2,300 for the year. After that deductible is met, you have full coverage.  As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement with one carrier over another because the letter of the plan dictates the

   We are half-way through 2019 and most people have received or will receive their Notice of Increase from their Medicare Supplement carriers. It’s a very common misconception that you can only change your Medicare Supplement once a year starting in October. However, that is untrue. The October to December annual enrollment deadline only applies to Medicare Part D drug plans and Medicare Advantage (Medicare Part C) plans. If you have a Medicare Supplement plan, you can shop your plan all year long. One very important thing to remember about Medicare Supplement plans is that they are federally regulated plans. The letter of the plan dictates the coverage, not the carrier, so there is no reason to pay more with one carrier over another. So, if you received your Notice of Increase in the mail and you’re unhappy with the increase amount, you can contact your broker and have them shop the other carriers in your area for a better rate with the same exact coverage. You wouldn’t have to change your doctors

   Cancer Policies are fairly affordable plans (with premiums around $30 to $60 a month). If you have a Cancer Policy and are diagnosed with Cancer, the insurance carrier will send you a lump sum amount to use towards your treatment. That amount depends on what benefit package you choose. For example: If you have a Cancer Policy that provides a $10,000 benefit with your Medicare Advantage Plan and you are diagnosed with Cancer, you would file a claim with the insurance carrier and the carrier would send you a check for a lump sum of $10,000 to use towards any service or medications. If you have a Medicare Advantage Plan, a Cancer Policy will truly benefit you. The biggest hole in any Medicare Advantage Plan is cancer. If you have a Medicare Advantage Plan you will have to pay 20% up to your maximum out-of-pocket for cancer treatments. This does not include costs such as your medications and many chemotherapy drugs are now being classified under Medicare Part D so there is the risk of falling into th

   This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 70, in Prescott, Arizona (zip code 86313). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $185.  As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that.  You may ask, “Why do these compa

   This Rate Watch Wednesday is focused on Medicare Supplement Plan G for a male and female, ages 65 through 70, in Toledo, Ohio (zip code 43604). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that.  You may ask, “Why do these companies charge different prices if they are all the same?” That’s a great question. Carriers have different administrative costs and they have different profit goals. There’s tons of different reasons why these big companies charge different prices. What you need to know is, just like in your Medicare book, Medicare Supplement Plan G is the same with every carrier.  If you hav

   Medicare Supplement Plan D, is a true Medicare Supplement that works with Medicare to fill in the gaps to Medicare Parts A and B and pay the bills that Medicare does not pay.  It should not be confused with Medicare PART D, which are prescription plans that are specifically designed to cover your medications.  Medicare Supplement Plan D is a very comprehensive plan. If you compare it to Medicare Supplement Plan F, which fills in all the holes to Medicare, there are only two differences to Medicare Supplement Plan D and Medicare Supplement Plan F. The Medicare Supplement Plan D does not cover Medicare’s very small Part B annual deductible of $185.00 for 2019. After you pay that Part B deductible, you’ll have no co-pays or any other out-out-pocket costs for Medicare covered services. Like all Medicare Supplement plans, the Medicare Supplement Plan D does not have any networks. You have the freedom to go to any doctor or any hospital in the country that accepts Original Medicare. The last

   Medicare Part C is also known as a Medicare Advantage Plan, and it is not a Medicare Supplement Plan. It is a private alternative to Medicare. If you have a Medicare Advantage Plan, your Medicare Part B premium will go to the carrier that you have your plan with instead of Medicare and this is why there are very low or zero premium plans. As far as coverage, the Medicare Advantage does not work like a Medicare Supplement. It does not cover the 20% that Medicare does not cover. Medicare Advantage Plans replace what Medicare Parts A and B would charge with their own set of co-pays, deductibles and co-insurance. Because Medicare Advantage Plans replace your Medicare, you can no longer go to any doctor or hospital that you choose. Most Medicare Advantage Plans (HMO plans) have a network of doctors and hospitals that you must choose from, however some plans such as PPO plans will allow you to choose any doctor or hospital that you want but you will have to pay more for their services. Here is a breakd

   This Rate Watch Wednesday is focused on Medicare Supplement Plan G for a male and female, ages 65 through 70, in Cincinnati, Ohio (zip code 45207). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that.  You may ask, “Why do these companies charge different prices if they are all the same?” That’s a great question. Carriers have different administrative costs and they have different profit goals. There’s tons of different reasons why these big companies charge different prices. What you need to know is, just like in your Medicare book, Medicare Supplement Plan G is the same with every carrier.  If you

   If you have a Medicare Advantage Plan and are unable to purchase a Medicare Supplement because of health issues or maybe it’s not the time of year you are able to switch, there are a couple, separate plans that you can purchase that will help offset the costs you have with a Medicare Advantage Plan and your exposure with a Medicare Advantage Plan. The two most popular are the Hospital Indemnity Plan and a Cancer Policy. The two biggest holes in a Medicare Advantage Plan are hospitalization and Cancer treatments. Most Medicare Advantage Plans are going to charge you anywhere from $250 to $400 a day you’re in the hospital for each day, days 1 though 7. A Hospital Indemnity Plan will protect you from this charge. How it works is if you are hospitalized, you would pay the co-pay to the hospital that your Medicare Advantage Plan requires you to pay. After that, you would submit a claim to the insurance carrier and the Hospital Indemnity Plan would then pay you per day that you were in the hospital. Fo

   This Rate Watch Wednesday is focused on Medicare Supplement Plan G for a male and female, ages 65 through 70, in Cleveland, Ohio (zip code 44105). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that.  You may ask, “Why do these companies charge different prices if they are all the same?” That’s a great question. Carriers have different administrative costs and they have different profit goals. There’s tons of different reasons why these big companies charge different prices. What you need to know is, just like in your Medicare book, Medicare Supplement Plan G is the same with every carrier.  If you

   The Medicare Supplement Plan M is a plan that Medicare insurance agents rarely about, however I feel that it may be the plan of the future. There are many talks on how the Medicare Supplement Plan N is the plan of the future with all the MACRA changes that are coming to the Plan F and the Medicare Supplement Plan N is a great plan. However, I just want to touch on the Medicare Supplement Plan M, what it covers and why I think it’s the Medicare Supplement Plan of the future.  If you are looking into your options for coverage and you don’t quite see the value in spending the higher premiums for a Medicare Supplement plan such a Medicare Supplement Plan F, Medicare Supplement Plan G or Medicare Supplement Plan N but you also do not want the restrictions of Networks with Medicare Advantage Plans like with HMO’s and PPO’s; the Medicare Supplement Plan M might be the plan for you. The Medicare Supplement Plan M gives you the flexibility of a Medicare Supplement without dictating what doctors you c

   SilverScript has brought it to our attention that there has been an issue with Medicare Part D’s billing. For those you that do not know, SilverScript is a Medicare Part D drug plan which is through CVS Caremark. They have brought it to our attention that anyone that selected to have their premium drafted for their Medicare Part D drug plan from their Social Security check or Railroad Retirement check may not have had the premiums drafted properly. They found that the issue with the premiums started February 1st. We do not know any information as to how the problem started or who was affected by this issue. Most people may not have noticed due to the fact that the premiums are fairly low. This issue has not affected everyone however it has affected all carriers. SilverScript will be sending out information in the next two weeks explaining where the mistake was made with how your premiums were processed. Starting February 1st 2019, Medicare Part D premiums were not being taken out properly. They h

   This Rate Watch Wednesday is focused on Medicare Supplement Plan G for a male and female, ages 65 through 75, in Greenville County, South Carolina (zip code 29601). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that.  You may ask, “Why do these companies charge different prices if they are all the same?” That’s a great question. Carriers have different administrative costs and they have different profit goals. There’s tons of different reasons why these big companies charge different prices. What you need to know is, just like in your Medicare book, Medicare Supplement Plan G is the same with every carr