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Medicare Advantage Info
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. You may also enjoy other options in addition to your Part A and B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage. By adding a prescription component the coverage becomes a Medicare Advantage Plan with Prescription Drug coverage also known as MA-PD. If you'd like a plan that offers both health and drug coverage, fill out the form above to request a quote on a Medicare Advantage Plan today.
Medigap Plans Info
Medicare covers a lot of health care expenses, but it doesn't cover everything. That's where Medigap Plans - also known as Medicare Supplemental Insurance - come in. Medigap Plans are private health insurance plans that cover the difference or "gap" between what Medicare covers and the total amount charged. That should help answer the question, "What is Medigap?" To get more details on this supplemental insurance option see below. Who is eligible for a Medigap Plan? To be eligible to purchase a Medigap Plan, you have to be enrolled in Medicare Part A and B. You can sign up for a plan during the Medicare Open Enrollment Period which begins within 6 months of your turning 65 or enrolling in Medicare Part B at 65 or older with no medical screening required. If you enroll outside of Open Enrollment, the insurance company may require you to be screened and if necessary get a statement from your physician. Important things you should know about Medigap Plans. Medigap Plans charge a monthly premium and an individual plan can only cover one person. As long as you pay your premiums, your coverage cannot be cancelled by the insurance company. Medigap Plans and Medicare Advantage Plans are mutually exclusive. You can have one or the other but not both. If you'd like to find out what Medigap Plans are available to you, and at what prices, fill out the form above to request a quote from e-TeleQuote today. See how different Medigap Plans stack up. So you've decided you want the extra coverage of a Medigap Plan. But which one? The good news is that every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as "Medicare Supplement Insurance." All policies offer the same basic benefits but some offer additional benefits. It's smart to compare the plans and benefits so you can choose which one meets your needs. And just so you know, a Medigap policy covers coinsurance only after you've paid the deductible (unless the Medigap policy also pays the deductible). Call our licensed insurance agents to get a better picture of your Medigap options.
Medicare Part D Info
It's important to know that neither Part A nor Part B of the Original Medicare program includes prescription drug coverage. So if you'd like that coverage you'll need to add Medicare Part D which provides prescription drug insurance for anybody who qualifies for Part A or Part B regardless of health status or income level. There are Two Ways to get Prescription Drug Coverage. Medicare Advantage Plans, which are offered by Medicare-approved private companies and cover both prescription drugs and medical care so long as you have both Part A and Part B. Part D Plans, which you enroll in addition to your traditional Medicare coverage. You don't have to get Part D coverage unless you are currently getting your drugs through Medicaid or if you have prescription drug coverage through another service. You Have to Pay Extra for Part D Coverage. While Part D coverage is not included in your traditional Medicare coverage, there are subsidies available for people with limited incomes. Part D plans vary in cost and coverage by region and by carrier, so it is important to determine which plan is right for you. Watch out for the Coverage Gap. Many Part D plans have a coverage gap, which means they will only cover up to a certain dollar amount for your prescription medication. Once you spend more than that amount, you must pay the full cost of your prescription drugs until you reach the out of pocket obligation. After that, you are only responsible for a co-payment. Not all Part D plans cover all the prescription drugs that you may be taking. Your copayment will vary depending on your income and on the types of medication that you need. Only Medically Necessary Drugs are Covered. Part D plans don't cover cosmetic prescriptions, over the counter drugs, weight loss, or other drugs that are not deemed medically necessary. Drug cost and coverage varies from plan to plan, so it is important to select a plan based on your own personal needs. If you want prescription drug coverage in addition to your Medicare coverage, request a quote on a Part D or Medicare Advantage plan today.
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