Plan A Explaination of Core Benefits also Included in all Plans

Medicare Supplement Plan A

Plan A - Elementary Core Benefits, also found in all Medicare Supplement Plans

Medicare Supplemental Insurance plans are standardized in most states. This means that no matter which

company a Medicare Insurance recipient chooses for their Medicare Supplemental Insurance, the coverage

will be the same from company to company. The list below describes the additional benefits that may be

included in plans B through N.

•  Part A Medicare Deductible:
• Medicare Part A co-insurance for days 61-90 in the hospital are as follows: ($296 per day in 2013)
• Skilled Nursing Facility Care:
• After hospitalization coverage for Skilled Nursing Facility care is $148 per day for days 21-100 in 2013. After 
• lifetime reserved days have been used, the plan covers an additional 365 days in the skilled nursing facility.
• Medicare Part B Deductible:
• Some of these plans cover the Medicare Part B deductible ($147 in 2013).  Medicare Part B is doctor coverage.

 

 

             Medicare Supplement Plans/Rates, Just A Click Away

                                                                    OR

                           Call Now for Medigap Supplement Insurance Quotes

                                                         888.502.5553

• One Hundred Percent of the Medicare Part B Excess Charges:
Plans F & G cover any excess charges that are allowed by CMS and the state law.

• Medically Necessary Emergency Care in A Foreign Country:
Not all plans cover travel in a Foreign country.  Those that do include a $250 deductible and also has an 80 % co-insurance  benefit and will cover up to $50,000 lifetime maximum.  Please see chart below that shows plans that allow for travel coverage.

 

Medicare Part D

Prescription Drug Coverage

Prescription drug coverage was at one time included with some Medicare Supplement Policies.  That is no longer the case.  Most individuals purchase a Part D Prescription Plan to go along with their Medicare Supplement.

Pre-Existing Conditions

When selecting a Medicare Supplement Plan Pre-existing conditions do not apply if you were previously enrolled in a Group Plan, had Individual coverage or are coming from another qualified Medicare Plan.

Cost for Medicare Supplement Policies

The pricing for Medicare Supplement policies often vary.  Pricing can be based on your age and most companies charge a higher rate if you smoke.  Rates may also vary depending upon where you live.  If you have a Medicare Supplement policy and change your address, your rate may change depending upon the insurer's claims experience within that location.  

Some companies offer discount.  United Healthcare, Mutual of Omaha and various other states offer discounts for dual eligible households in certain states.

                Medicare Supplement Plans/Rates, Just A Click Away

                                                                    OR

                           Call Now for Medigap Supplement Insurance Quotes

                                                         888.502.5553

How About Those who Already Have Medigap Policies?

They do not have to make any changes, and their coverage remains in effect as long as they pay premiums. The 1990 policies may, however, become more expensive over time as the number of policy holders declines.
The NAIC's model regulation allows for, but does not require, companies to offer existing policyholders an opportunity to switch to one of the new Medicare Supplement policies without medical underwriting.

 

Benefits	A	B	C	D	F	G	K	L	M	N
Medicare Part A Hospital Coinsurance
Lifetime Reserve Days
365 More Hospital Days
Medicare Parts A and B Blood							50%	75%
Medicare Part B Coinsurance							50%	75%
Medicare Part A Hospice Coinsurance							50%	75%
Skilled Nursing Coinsurance							50%	75%
Medicare Part A Deductible $1,184 in 2013							50%	75%	50%
Medicare Part B Deductible $147 in 2013
Medicare Part B Excess
Foreign Travel Emergency
Preventive Care Coinsurance
Out of Pocket Limit							$4,800	$2,400

 

                Medicare Supplement Plans/Rates, Just A Click Away

                                                                    OR

                           Call Now for Medigap Supplement Insurance Quotes

                                                         888.502.5553

Considerations When Choosing or Changing Your Medicare Coverage

What is Medicare Coverage?
Medicare Coverage are the services that you need covered in your Medicare Plans.

Other Coverage that you have - Do you have other types of health or prescription drug coverage? If yes, make sure you know how that coverage works with Medicare Insurance. If you have employment-related coverage, or get your health care from an Indian Health or Tribal Health Program, talk to your benefits administrator or insurer before making any changes.

Medicare Costs – You should know, How much your premiums, deductibles, and other expenses in your Medicare Supplemental Plan are costing you? How much do you pay for services like hospital stays or doctor visits? Is there a yearly limit on what you could pay out of pocket for medical services? Make sure you understand any medicare coverage rules that may affect your costs.

Your Choice for Doctor and Hospital - Do your doctors accept the coverage? Are the doctors you want to see accepting new patients? Do you have to choose your hospital and health care providers from a network? Do you need to get referrals?

Prescription Drugs - What are your drug needs? Do you need to join a Medicare drug plan? Do you already have creditable prescription drug coverage? Will you pay a penalty if you join a drug plan later? What will your prescription drugs cost under each plan? Are your drugs covered under the plan's formulary (drug list)?

Quality Care Assurance - The quality of care and services given by Medicare Plans and other Medicare providers can vary. See Medigap 4 Seniors Medicare Plans and compare plans by states and providers.

Convenience - Does the plan include the doctors you see and the pharmacies you use? Can you get your prescriptions by mail? Do the doctors use electronic health records or E-prescribe?

Travel Facility - Will the plan cover you if you travel to another state?

If you're in a Medicare plan, review the Evidence of Coverage (EOC) and Annual Notice of Change (ANOC) your plan sends you each year. The EOC gives you details about what the plan covers, how much you pay, and more. The ANOC includes any changes in coverage, costs, or service area effective as of January 2012. If you don't get an EOC or ANOC, contact your plan.

                Medicare Supplement Plans/Rates, Just A Click Away

                                                                    OR

                           Call Now for Medigap Supplement Insurance Quotes

                                                         888.502.5553

What's ON your mind?

Generally, we experienced that our clients think about three situations when they are going to shop Medicare Supplements. Below are the three situations, where we describe what these individual shoulds should be doing.

You are going to shop your first Medicare Supplement

You are choosing your first Medicare Insurance Plan and don’t know enough about medicare. Don’t worry... you have a lot of rights and privileges that make it very simple for you to ensure you get the right plan for your Medicare Supplement. You are in a good situation, where you can choose any Medicare insurance plan, and with any of the insurance companies, that are providing you the best coverage. However, there are few things that you need to remember before choosing the medicare supplemental plan.

Make a decision on how you treat your Medicare benefits. ie... get them through original medicare (Plan A or Plan B) or deal with the Medicare Advantage Plan (Plan C)

In Summary, Original Medicare allows you to see a greater number of doctors and medical facilities, but you will still need to get a Medicare supplement policy and a Part D drug plan, and taat's where our agents can be of great help.

If you go with Medicare Advantage plans, you have less number of doctors and medical facilities in the network and, although they have outlines of coverage, it has been proven that they will sometimes make decisions on medical bills based on whether they feel a particular treatment was necessary and can surprised you.

Medicare supplements are standardized with plan letter designations from A-L. However, there are only 3-4 medicare plans are popular in most people. In 2011, Medicare Supplemental Plan F is the most popular plan on the market. This is probably because plan F covers:

• Part A and Part B Deductibles
• Part B Excess
• Part B and Hospital Coinsurance
• Skilled Nursing Coinsurance
• 365 Additional Days Hospitalization Coverage
• Blood Deductible Coverage
• Travel Facilities

Another supplement plan that was introduced June 2010 is Medicare supplement Plan N, which is proving to be wildly popular due to its lower cost. Medicare supplement plans do not include Part D coverage and it must be purchased separately.

After figuring out all the details, you can take two approaches to shop the medicare plan. First, you can do all the research on your own, and figure out which companies provide which kinds of coverage in which plans. This method is very frustrating and time consuming, and can lead to a less favorable choice anyway. The second approach would be to contact a Medigap4Seniors agent to help choose you choose the correct plan for you. Our agents work with all major medicare insurance providers and can find the right medicare plans within 10 min for you. A Medigap4Seniors agent can also help you to re-evaluate your coverage and help you save hundreds of dollars over your lifetime.

 

 

                Medicare Supplement Plans/Rates, Just A Click Away

                                                                    OR

                           Call Now for Medigap Supplement Insurance Quotes

                                                         888.502.5553

Have a Medicare Supplement Plan, but looking for Better Rates?

It's a very common situation that a medicare insured be experiencing. We have found, in many cases, where medicare agents do not re-evaluate the provided Medicare Insurance Plan. That’s why the Medigap rates may go up, without the client being aware. This leave the client in search of another looking for other, less costly, Medicare Supplemental Plan.

Medigap4seniors agents can help you to find another Medicare provider that can provide the same plan that you currently have, and possibly at a lower cost to you. In any case, It will be best rate available for you. Your Medigap4seniors agent can make the process of switching insurance companies very easy for you, and your agent will handle all situations for you over phone. Simple and convenient.

Go with a Medigap Rates and Policy

It's simple to purchase a Medigap Plan, you can receive an application by mail, fill it out and send it back to the agent that you are working with, or you can complete it over the phone with the agent, this is called an electronic application. For more details and Medigap Rates, you can visit our Medicare Supplement Guide and call Medicare4seniors agents at 888.502.5553.