Jul 31, 2019
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Get the best Medicare Supplement Plan at the best available rate. we work with over 30 providers
Is Medigap for you?
Think a Medigap policy might be right for you? Then you have one more round of decision-making to complete. Here’s some guidance to help you choose wisely.
The catch
And it’s a big one. When you first enroll in Medicare (that is, during the seven-month initial enrollment period, or IEP), insurers offering Medigap policies cannot deny you coverage or charge you more for any preexisting conditions. After that, anything goes. For example, if you don’t buy a Medigap policy during your IEP but decide a year later that you want one after all, insurers may be able to turn you down based on your health status, or set prices higher due to a preexisting condition.
The message: To guarantee stable, ongoing Medigap coverage for years to come, the time to buy is when you first enroll in Medicare.
The choices
The government has created 10 Medigap benefit designs. Each varies slightly in what it covers. To compare, go to medicare.gov and, under the Supplements & Other Insurance tab, click on How to Compare Medigap Policies. Details are there on a single chart.
Don’t get confused by the way these policies are named: You have your choice of Medigap policies A, B, C, D, F, G, K, L, M or N. These designations have nothing to do with which Medicare program you chose.
Medigap plans are standardized, meaning that (for example) an A or F plan sold by one insurer covers the same things as an A or F plan sold by another insurer. Medigap plans are consistent in all but three states: Massachusetts, Minnesota and Wisconsin have their own standard policies.
So how do the 10 policies differ? “Some are high deductible, some require higher cost-sharing and some cover more costs,” explains Mary Mealer, life and health manager in the Missouri Department of Insurance, Financial Institutions & Professional Registration. Consumers should “evaluate their individual situation as to what plan meets their needs and what they can afford,” Mealer says.
The Medicare Review Department invites you to book an appointment with a licensed Medicare Benefit Specialist and have your questions ready. Visit us on facebook
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Medicare 101
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Whether you’re new to Medicare, getting ready to turn 65, or preparing to retire, you’ll need to make several important decisions about your health coverage. If you wait to enroll, you may have to pay a penalty, and you may have a gap in coverage. Use these steps to gather information so you can make informed decisions about your Medicare:
Step 1: Learn about the different parts of Medicare
The different parts of Medicare help cover specific services. Medicare Part A (Hospital Insurance) covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Medicare Part B (Medical Insurance) covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Step 2: Find out when you can get Medicare
There are only certain times when people can enroll in Medicare. Depending on the situation, some people may get Medicare automatically, and others need to apply for Medicare. The first time you can enroll is called your Initial Enrollment Period. Your 7-month Initial Enrollment Period usually:
Begins 3 months before the month you turn 65
Includes the month you turn 65
Ends 3 months after the month you turn 65
Get an estimate of when you can enroll in Medicare.
If you don’t enroll when you’re first eligible, you may have to pay a Part B late enrollment penalty, and you may have a gap in coverage if you decide you want Part B later.
Step 3: Decide if you want Part A & Part B
Most people should enroll in Part A when they turn 65, even if they have health insurance from an employer. This is because most people paid Medicare taxes while they worked so they don't pay a monthly premium for Part A. Certain people may choose to delay Part B. In most cases, it depends on the type of health coverage you may have. Everyone pays a monthly premium for Part B. The premium varies depending on your income and when you enroll in Part B. Most people will pay the standard premium amount of $135.50 in 2019.
Learn more about whether you should take Part A and Part B.
Step 4: Choose your coverage
If you decide you want Part A and Part B, there are 2 main ways to get your Medicare coverage — Original Medicare or a Medicare Advantage Plan (like an HMO or PPO). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap).Most people who are still working and have employer coverage don’t need additional coverage. Learn about these coverage choices.
Step 5: Sign up for Medicare (unless you’ll get it automatically)
Some people automatically get Part A and Part B. Find out if you’ll get Part A and B automatically. If you're automatically enrolled, you'll get your red, white, and blue Medicare card in the mail 3 months before your 65th birthday or your 25th month of disability. If you don't get Medicare automatically, you’ll need to apply for Medicare online.
Step 6: 6 things to look for when choosing Medicare drug coverage
Prescription drug coverage can vary by cost, coverage, convenience, and quality. Here are 6 common situations to consider before making a decision about Medicare drug coverage.
Step 7: Learn about 5 tasks for your first year with Medicare
Our licensed Medicare benefits specialist will walk you through any and all things Medicare. Our service
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https://g.page/MedicareReview. Their benefits specialist are very helpful whether you are joining Medicare or have been on Medicare for years.
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Common Medicare Questions?
By William AdcockMedicare
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Medicare 101
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The Top 10 List
-William Adcock
Medicare Review Department
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I spend most of my days answering Medicare questions at the Medicare Review Department. That is the biggest part of my job and is one that I enjoy immensely. Educating Medicare beneficiaries and soon-to-be Medicare beneficiaries is rewarding in that I get the opportunity to illuminate confusing aspects of the mysterious, overwhelming world of Medicare. With that in mind, I’ve compiled a list of the top 10 Medicare questions that I have received:
1. How Do I Sign Up for Medicare?
how to enroll into medicare questions
As with most of these Medicare questions, the answer is dependent on your particular situation. If you are already receiving Social Security, you will be automatically enrolled in Medicare Parts A and B when you turn 65. You should receive a “Welcome to Medicare” packet and a red, white and blue Medicare card 2-3 months prior to the month that you turn 65. You do not have to take any action to enroll in Medicare. It will start the 1st day of the month that you turn 65.
If you are NOT receiving Social Security but DO want to enroll in Medicare, you will need to proactively enroll in Medicare Part B (you’ll be automatically enrolled in Part A). To sign up for Part B, your options are to go to a local Social Security office or to call Social Security at 800.772.1213. Alternatively, you can enroll for Medicare online. (Our Benefit Specialist will walk you step by step through exactly what to expect when joining Medicare)
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2. How Much Does Medicare Cost?
Again, the answer is dependent on your situation. There is no cost for Medicare Part A (hospital) as long as you have worked 40 quarters/10 years in your working life, thereby paying into “the system” through payroll taxes.
For Part B, there is a premium. For 2017, the standard Medicare Part B premium is $134/month. This is typically taken as a deduction from your Social Security check.
There are, however, certain situations that could cause you to pay more or less for premiums. These situations are largely dependent on your income as reported by the IRS from two years ago. This is called the Income-Related Monthly Adjust Amount (IRMAA). Medicare.gov
Also, if you have been on Medicare for a few years, you may be “grandfathered in” to a lower premium amount, which could be between $104 and $134, depending on what year you started Medicare and your specific situation.
Once you know the Medicare costs, the Medicare Review Department will run the rates of all Medicare Supplement Plans and providers side by side to by zip codezipcode to get you the best rate for your area.
3. Does Medicare Cover Preventive Care?
Contrary to popular misconception, Medicare does cover a good bit of preventive care now. This article details specifics about Medicare’s coverage of preventive care.
In general, Medicare covers a “Welcome to Medicare” physical within the first 12 months of going on Medicare. After that, it covers an annual wellness exam and many other screenings/tests on Medicare-established schedules. These include, but are not limited to, bone mass measurements, cardiovascular screenings, breast cancer screenings, colorectal cancer screenings, glaucoma tests, flu shots, lung cancer screenings, prostate cancer screenings, and many more.
4. What is the Difference in Medigap and Medicare Advantage?
These are the two options you have when you go on Medicare. It is very important to understand the differences, as there are many and they are significant. In general, Medigap plans supplement Medicare, whereas Medicare Advantage plans take the place of Medicare. Medicare Advantage is a “privatized” version of Medicare.
Typically, Medicare Advantage plans have lower premiums in exchange for a lower level of coverage and more restrictions (i.e. networks, annual plan changes, pre-approvals, etc).medicare questions medigap or medicare advantage
The other big consideration is that you have to be approved to get a Medigap plan if you are not in your initial open enrollment period or a valid “guaranteed issue” period. This makes your initial selection important, as you can be “stuck” on an Advantage plan unable to “qualify” for a Medigap plan if you have pre-existing conditions.
Find out how much Medigap costs where you live.
5. Do I Have to Get a Part D (Rx coverage) Plan?
This is one of the Medicare questions for which you will receive a wide variance in answers.
Medicare questions part d enrollment period
The short answer is “No”. However, if you elect not to get a Part D plan, you will be subject to the Part D late enrollment penalty if/when you sign up for it at a later time. This penalty is 1% of the standard Part D premium per month that you did not have a plan. So, if you wait 5 years to sign up for a Part D plan, you’ll pay 60% more than someone else who didn’t wait.
With this in mind and with the consideration that Part D plans start at $15-20/month in most markets, it’s not a bad idea to get a plan when you are first eligible regardless of whether you “need” it at the time or not.
6. How Do I Decide Which Part D Plan to Get?
If you are not on any/many medications, you may want to base the Part D decision primarily on the plan premiums. In other words, if you are buying a Part D plan solely to avoid the Part D late enrollment penalty, you can base your decision on the cost of the plan and upgrade later if your needs or the plan changes.
If, however, you are like most people over age 65, you take some medications. In that case, it is crucial to compare the plans based on your specific medications. Co-pays can vary dramatically from one plan to another for the exact same medication. The Medicare.gov website has a Part D comparison tool that enables you to do this very easily by entering your zip code, medications and preferred pharmacy. If you are one of our clients, we can provide this comparison information for you.
7. Which is the Best Medigap Company or Plan?medigap coverage chart
Once you get your Medicare questions answered, you may be ready to move on to discussing Medigap plans. Everyone wants the most coverage for the least amount of money, obviously. With Medigap plans, that is relatively easy to find because the plans are Federally-standardized. Coverage with one company is the exact same as coverage with a different company for a “like” plan (i.e. one Plan F is the exact same as another Plan F with the only difference being premium and company reputation).
So, “best” company is a function of price since all other comparative factors are the same with Medigap plans. So to find out what is the best Medigap plan for you, get Medigap? Medicare Review Department Call 1.800.999.7340
(use code T65)
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We work for the Medicare member getting all providers quotes and letting the membersmember decide. Compare the prices and company reputations/ratings and make an informed choice.
8. What Doctors Will Take My Medicare Supplement Plan?
This question is related to #7. With Medicare Supplement (Medigap) plans, you can go to any doctor or hospital nationwide that accepts Medicare patients. There are no networks on Medicare Supplements (Medigap plans), so if your doctor takes Medicare (your primary coverage), he or she will also take your Medicare Supplement.
Do not confuse this with Medicare Advantage plans – many people call those plans Medicare Supplements although they are not. Those plans have networks and are either PPOs or HMOs.
9. Why Do I Have to Answer Medical Questions to Get a Medigap Plan?
This has been one of the Medicare questions that is increasing in frequency since the passage of the Affordable Care Act (ACA), which eliminated pre-existing conditions as a way to exclude people from getting a health care plan.
However, the ACA did not/does not apply to Medicare or Medigap plans. Since Medigap plans are supplemental in nature, they are not affected by the legislated reforms. Generally speaking, any time you change Medigap plans or enroll in a plan outside of your initial open enrollment window you do have to “qualify medically” by answering health questions.
10. What is the Best Way To Enroll in a Medicare Supplement Plan?
Medicare questions medicare enrollment form
I’m glad you asked! Seriously, enrolling in a Medicare Supplement/Medigap plan is easier than ever. The first step is comparing the plans/rates for your area. Rates are based on zip code, gender and age. Whether it is us or someone else, it is highly advisable to use a Licensed Benefit Specialist at the Medicare Review Department to compare multiple options in a centralized place. This does not cost you anything but can save you hundreds of dollars a year as well as giving you a direct representative to contact if you ever have any problems or questions. we will help you with your part D. Dental health and vision are three things that no Supplement Plan will cover so if you need additional coverage we have the rates of all the carriers on those as well. We know it's a confusing time!
Medicare Review Department
www.bestmedicare2019.site.live
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Was your question not covered? Have other follow-up questions? Secure Medicare Solutions is a leading, compare medigap plaplansindependent brokerage that has been in business for 10 years, working with thousands of Medicare beneficiaries on these questions and more. Visit joinmedicare123.com click the BOOK NOW, or call us at 1.800.999.7340
Common Medicare Questions: The top 10 commonly asked questions about Medicare and Medicare insurance.
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The Medicare Review Department will help you make the most out of your Medicare supplement with a Medicare benefit optimization session. and we're licensed Medicare benefits specialist Milwaukee through exactly what to expect when you join Medicare.
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