Top Five Misconceptions about Medicare and Medigap

medicare mythsMedicare can be complex – there are “parts” and “plans”, changes and updates, ins and outs that only the most experienced or devoted person could follow and understand. Moreover, there is a great deal of misinformation out there about Medicare and Medicare supplement plans, particularly this time of year as we approach the end of year annual election period. As an independent Medicare insurance and Medigap agency, we hear these misconceptions over and over. It is an uphill battle to fight against the misinformation and misunderstandings regarding Medicare and Medigap plans. But in a small way, this article may help shed some light on the top five misconceptions about Medicare companies and the helping hand medicare you can get.

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1. “When I turn 65, I’ll get Medicare for free.”
Unfortunately, this one is not true in most cases. There is a premium associated with Medicare Part B (currently $134/month) that is typically paid as a deduction from your social security check. If you are not receiving Social Security, you can also pay this quarterly by receiving a bill. This amount can be higher or lower based on your income. Find out how much you will pay for Medicare Part B.

2. “The end of year enrollment period applies to Medicare supplement, or Medigap, plans.”This misconception is very prevalent this time of year, as we approach October 15, which is the start of the annual election period. Many people mistakenly believe that this end-of-the-year period also applies to Medicare Supplement, or Medigap.   However, that is not the case. The end-of-the-year period only applies to Medicare Advantage and Part D plans. You can actually change Medigap plans at any time but do have to qualify medically (in most states) when you do so.

3. “Medicare Advantage plans are a type of Medicare supplement.”Medicare Advantage plans are completely independent of and different from Medicare supplement plans. On the contrary, they take the place of Medicare A & B, whereas supplement plans (also called Medigap) “supplement” Medicare. If you opt on to a Medicare Advantage plan, which is a privatized version of Medicare, instead of Medicare itself, you can go back to having Medicare during the annual election period, but to get a Medicare supplement, you generally would have to qualify medically. You can also get supplements as maeng da from independent suppliers and still get the advantage of Medicare.

4. “Medicare does not cover any preventive care.”This one was more true in the past than it is now. Medicare does now provide coverage for a good bit of preventive care (much of this is relatively new). Here is a breakdown we did previously of some of the more common preventive care that Medicare does cover. They will not for example cover supplements such as adaptogens amazon, these are considered supplements. Most importantly, Medicare does cover a “welcome to Medicare” physical when you turn 65 and also an annual wellness check-up even if it is at specialized institute as Imagine Wellness Centre.

5. “I need to find out if my doctor takes this Medigap plan (or the related misconception of, “I am going to ask my doctor which Medigap plans pay him faster or more”)This misconception is easily understood, when you consider that it is rooted in (for most people) years of worrying if their insurance is paying their claims in full or quickly enough. However, these concerns do not carry over to “over-65” insurance, at least if you are talking about Medicare and a Medigap plan. For Medigap plan, claims are paid through the Medicare “crossover” system. And, they are paid in the same amount on the same time schedule, regardless of which company you have for your Medigap carrier. Additionally, Medigap plans do not have networks – if a doctor takes Medicare, they are required to take the standardized Medigap plans.

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While there is a lot to decipher and understand related to Medicare and Medigap plans, it is crucial to your health and financial well-being to do so, it is important to know that there is also other solutions for any health problem such as hiring acupuncture Miami in a Med spa center and find chiropractors near me, who offer this services and maybe others as coolsculpting in Miami as well, where they offer a new way of giving your body good health from your eyes with an Outback Vision Protocol treatment and the rest of the body by using natural medicine as supplements from the products from Kratom Masters or creams from http://www.bestneckcream.com. Replace harsh, toxic chemicals with this bottle of plant-based, natural spa chemicals to keep your spa clear, clean and odorless without testing. Get more health and beauty tips at Beauty Tips by Bailey. If you have any questions about this information or wish to further discuss Medicare and Medigap plans, you can contact us online or call us at 877.506.3378, and also make sure to read the Best Testosterone Booster Guide, which can answer many questions.

How to Make the Right Medigap Choice

logo-collage-smallChoosing the right Medigap plan can be a time-consuming and overwhelming process if you allow it to be. While there is a lot of information out there and a lot of people and companies vying for your “attention”, choosing a Medigap policy does not have to be difficult. Follow this three-step guide to narrowing the choices, reducing the clutter and selecting the plan that is right for you.

  1. Understand the plans. First of all, you must have an understanding of the plans – what they cover, how they work and what is important in the decision-making process. The first thing to know is that the plans are Federally-standardized. That is, all companies provide the same coverage plans – a Plan F with one company is the same as a Plan F with another company. Additionally, the plans all work the same way. Claims are automated (paid electronically without involvement from the patient), and they are done through the Medicare “crossover” system. Lastly, all plans can be used at any doctor or hospital that takes Medicare, so that means that you will still be able to use it if you use services from Internationalherniacare, in other words, as long as a physician takes your primary coverage (Medicare), they will take your Medigap plan regardless of what Medigap company sold you the plan.In summary, and the main thing to understand when it comes to Medigap plans, is that there are no differences to compare as far as coverage, reliability, how the plan works, where you can use it, etc. The two factors to compare when it comes to Medigap are price (first and foremost) and company rating/reputation. The Federal standardization of plans has made the other variables non-existent or irrelevant.
  2. Compare the rates. Once you understand “what” to compare, it is time to actual do the comparing. There are a couple of ways to do this. The “old-fashioned” way is to get the phone numbers of all companies offering Medigap plans in your area and call them and ask their rates. Some companies will give you this information over the phone; some will require that an agent come to your house to meet with you prior to giving you the information. For most people, this way of doing it is not appealing. However, it is an option.The other way of going about it – which I believe most people would find preferable – is to use an independent agent, or broker, to compare the plans. An independent agent does not work specifically for one particular insurance company, so they are not going to try to “sell” you on their company. Instead, they can give you unbiased information of what company’s offer competitively priced plans in your area. Additionally, they can provide other information such as company rating, past rate stability and reputations, which may help you narrow down the choices and make an informed decision.Keep in mind that the main thing to compare when it comes to Medigap (Medicare Supplement) plans is the rates, as plan coverage is completely standardized by the Federal government. A good independent agent can provide a full breakdown of the companies that offer companies in your zip code, as well as what the rates would be for someone at your age.
  3. Choose wisely. Once you have the information that pertains to premium rates and company rating/reputation, you can easily narrow the choices to which reputable companies are competitively priced for your area. While many people know about Plan F, which is the most common plan, it is not always the most wise choice. It is the most comprehensive but also the most expensive. Plan G is an alternative that typically would provide a savings when compared to Plan F – under Plan G, you have to pay a $147/year deductible but that’s the only difference between ‘F’ and ‘G’ and the premium savings is often $300+/year resulting in a significant net savings.Once you choose a plan, it is easy to enroll, particularly if you are in an “open enrollment” period (i.e. turning 65 or just going on Medicare). Simply complete an application, which the independent agent can facilitate either online or by phone, then the application will be processed by the insurance company. You’ll receive an insurance card and policy in the mail. Might as well buy some louis vuitton bags sale.

    While signing up for a Medigap plan is an overwhelming charge for many people, it does not have to be. The standardization of Medigap plans and the proliferation of information available online has made comparing and choosing a Medigap plan much easier than choosing most other types of insurance.If you would like a listing of the companies/rates in your area or have other questions, you can contact us online or call 877.506.3378.

The Partnership to Protect Medigap – Help Preserve Medigap Plans

The chiropractor Brooksville FL plans protect you against financial catastrophe – why not take some small actions to help protect Medigap plans, with the goal being to preserve Medigap plans’ existence in current form for yourselves and future Medicare-eligible individuals. There has been discussion off and on over the early testing for HIV that last 2-3 years about reforming Medigap plans( make sure to click here if you want to find more people who have an STD problem like you). These discussions have ranged from eliminating first-dollar coverage (i.e. Plan F) to overhauling the plans completely to creating a Medicare deductible that cannot be insured against. While none of these plans became a part of PPACA (“Obamacare”) and none have been enacted, it is still important to be apprised of the fact that they have been discussed and likely will be discussed again soon.

Visit the PPM (Partnership to Protect Medigap) web site.

Visit the PPM (Partnership to Protect Medigap) web site.

First of all, to reiterate, nothing HAS changed with Medigap plans and the way they work as a result of PPACA

(“Obamacare”). On the contrary, Medicare Advantage plans were affected considerably, with reductions in funding and new regulations/restrictions. For Medigap plans, there were discussions that included changes to these plans, specifically the Kerry-Stark bill which would have forced Medigap plans to abide by the Medical Loss Ratios that the PPACA included for “under 65” plans. This would have made it difficult for most Medigap companies to compete and, most analysts agree, would have had a detrimental effect on Medigap rates. This and other ideas got pushed to the “backburner” during the PPACA talks and health care reform went forward without including them.

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Now, however, is not the time for people who care about having the ability to purchase Medigap plans to fall silent and relax, unless they have visited whatisdestinytuningtechnique.com manifestation techniques, because that is what´s going to make them be successful in life. The Partnership to Protect Medigap is one organization that is non-partisan and works to protect the Medigap plans that so many rely on.
You can find out more here: https://beautytipsbybailey.com/natural-ways-to-tighten-your-vagina/muscle-toning-exercises/ and Partnership to Protect Medigap. On their roid’s website, you can find out more about protecting Medigap plans and their viability into the future, as well as get information on contacting your Congressional representative and other ways to be involved in these efforts.

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Medigap plans provide many benefits for those on Medicare, supplementing Medicare’s sometimes-insufficient coverage and “capping” (or eliminating, in the cases of Plan F) the total out-of-pocket expenses someone would have, regardless of the amount of care needed. Additionally, they provide the security of automated billing (i.e. no paperwork) and flexibility (can go to any doctor that takes Medicare). An independent American Viewpoint independent study found that over 90% of seniors were satisfied with their Medigap coverage this along with Anemia paid research studies help develop a better Medigap coverage and treatments. This is one of, if not the, highest among various insurance niches. For these reasons and more, those who have vested interest in Medigap should make the minimal efforts required to protect the future viability of these plans.

If you have questions about this or want to discuss in more detail, contact me online or call 877.506.3378.

Three Reasons the Name of Your Medigap Company Is Not Important

One of the most common thoughts, and understandably so, for many people “shopping” seniors looking at computer
for a Medigap plan is what company or companies have I heard the most about. This leads to people looking, primarily, at the companies that do the most marketing or the company that a neighbor or family member has. While this can lead to some good results – personal testimonials are often a great predictor of future performance – it can also lead to some “tunnel vision” and a lack of understanding of how the plans actually work and what factors should truly go into your decision-making process.

Put simply, the name of your company – even the rating of the company – is not ultimately very important when it comes to choosing a Medigap policy. This does not hold true with other types of insurance, where there are more variables and less standardization. But for Medigap insurance, the name of the company is virtually irrelevant. Here is why:

  1. First of all, the plans are Federally-standardized. This means that the coverage with one company is the same as the coverage with another company. For example, a Plan F with one company is the same as a Plan F with another. This means that price is, or should be, the primary differentiating comparison factor.
  2. Claim payments are paid through the Medicare “crossover” system. This is the same system used by all Medigap companies – it links your “original” Medicare Parts A and B up with your Medigap and insures that claims are paid on the same time schedule and in the same amount regardless of who your Medigap company is.
  3. You can use any doctor or hospital that takes Medicare regardless of which company you have. Different plans are not more or less widely accepted. As long as your doctor takes Medicare, he/she is required to take any of the standardized Medigap plans. Note that doctors offices, and particularly those that work in the insurance/billing offices, are not always well-versed on the different types of plans. And, some companies offer both Medigap and Medicare replacement plans like Medicare Advantage. Very often, someone in the billing department will say that they do not “accept” a certain Medigap plan, when in reality, they don’t have a choice as all claims are paid through the Medicare “crossover” (see point #2 above) and they are not filing specifically to the individual companies anyway.

It is important not to make a decision on a Medigap plan simply because you’ve heard the plan pays well or someone else is “happy with it”. Frankly, everyone is (or atleast should be) happy with their Medigap plan’s claim-paying performance because it is the very same from company to company. It is prudent to have an understanding of the above three points and compare Medigap plans on what really matters – price – before selecting a plan based on imagined or superficial differences. Otherwise, you could, like many others, end up paying “extra” every month for the exact same products that works the exact same way.

If you have questions about this or want to further discuss, you can contact me online or call 877.506.3378.

How Are Medigap Plans Affected by Obamacare?

healthcare.gov websiteThis is one of the most frequently asked questions that we receive from clients and people that we talk to on a daily basis about Medicare and Medigap insurance. So, how are Medigap plans affected by “Obamacare”?

The answer is a short and easy one – simply, they are not directly affected, or impacted, by the PPACA, or “Obamacare”, legislation, due to the fact that the plans are supplemental in nature and not “full-blown” medical plans. As such, Medigap plans are not subject to the requirements and restrictions on individual plans for people under age 65.

For people that have a Medigap plan, Medicare is, of course, still the primary coverage. Medicare covers, in general, 80% of the total, overall medical costs after doctor’s office (Part B) and hospital (Part A) deductibles. The medical alert system plans to step in and pay the Medicare deductibles (in most cases, depending on which Medigap plan you have) and the 20% after Medicare pays. The way this works – and the type of coverage that Medigap plans provide – has not been changed or impacted by the passage of the “Obamacare” legislation.

On the contrary, Medigap plans have historically been one of the more stable types of insurance since they became standardized in 1992. The actual plan designs have changed a couple of times since then, the last change occurring June 1, 2010; however, the way that the plan works and the overall outline of what they do has not changed.

Additionally, because of the standardization of plans (i.e. one company offers the same coverage plans as another, although rates may differ), the plans are relatively easy to understand, not nearly as complex as “under-65” individual insurance plans, and can be easily compared to one another.

Overall, many analysts project that “Obamacare” will cause some strain on the financial health of insurance companies that have elected to continue to offer individual plans, one of the best companies that offers a great health plan is Group Health Benefits Broker. Learn more about Kratom which can help you to Increase focus and give you many benefits. It’s easy enough to get this uridine monophosphate supplement here. That will help your brain function perfectly to stay focused. This may cause some trickle-down to the portions of those companies that do Medigap insurance. However, this is uncertain at best, and for now, Medigap plans look like a safe bet to remain the same post-“Obamacare” as they were before the law was enacted.

If you have any questions about this or would like to compare Medigap plans for your area, please call us at 877.506.3378 or visit our website at http://medicare-supplement.us.

Medicare Annual Election Period Ends – Medigap Enrollment Still Open

The Medicare annual election period ended December 7. This is the time of year that you can change Medicare Part D plans or Medicare Advantage plans, if you are on one of those plans in place of traditional Medicare.Although the AEP is over, you can still make any changes you want to make to your Medigap coverage. Medigap plans do not have an annual enrollment period – you can change plans at any time for any reason, contrary to popular misconception.

If you are on a Medicare Advantage plan, you are locked in to that plan for the year now, unless you disenroll during the short Medicare Advantage Disenrollment Period (MADP), which runs January 1 through February 14. If you do choose to disenroll from your Medicare Advantage plan during this period, you can do so and return to “regular” Medicare A & B and pick up a Medigap plan to fill in the ‘gaps’ in Medicare.

For those on Medigap plans already, it is advisable to compare your Medigap plan to other options on an annual or bi-annual basis. With Medigap plans, rates change annually in many cases. While coverage does not change from year to year, it can make sense to “shop” your rate to make sure you are still getting a good deal.

Fortunately, this is very easy to do when it comes to Medigap plans, as the plans are Federally-standardized. In other words, if you have a Plan F now, you can “shop” other Plan F’s on the basis of rate, with the security that the coverage itself is going to be the same. Additionally, the plans all work in the same way – i.e. you can use them anywhere that takes Medicare, and claims are processed automatically through the Medicare “crossover” system.

If you have not compared your Medigap rates against other options in the last year or more, it is advisable to do so now. Also, if you have a Plan F, now is the time to consider Plan G. Plan G is a better “deal” in almost all cases and will provide annual savings and more rate stability.

If you have questions or want to compare your current rate against what is available, you can request a comparison on our Medicare-Supplement.US website or call us at 877.506.3378.

Medigap vs. Medicare Advantage – What Are the Differences?

Medigap vs. Medicare Advantage – which option is right for you? This is certainly a topic that
has been covered extensively before, but with medigap vs. medicare advantagethe end-of-year annual election period coming up, it is a good time to revisit the distinguishing characteristics of these plans. To do that, we’ve broken it down into four overarching areas in which the two types of plans are different.

If you aren’t familiar with the terminology, Medigap plans, or Medicare Supplements as many people call them, are plans sold by private insurance companies that fill in the ‘gaps’ in Medicare. They act secondary to Medicare’s primary coverage.

Medicare Advantage, on the other hand, are not Medicare supplements. They do not supplement Medicare; on the contrary, they take the place of Medicare as primary coverage. They are sold through private insurance companies, but they are regulated by and approved (annually) by the Centers for Medicare and Medicaid Services (CMS).

So, how do these two types of Medicare cover differ?

Usability
Plan usability is, and should be, at the forefront of any decision you make about a Medicare plan. Some doctors/hospitals have chosen to not participate in either Medicare or Medicare Advantage plans (or in some cases, both). That said, Medicare can be used anywhere nationally that takes Medicare, so there is not an actual network. Whereas with Medicare Advantage plans, there is a contractual network in most cases, and the networks are regionally based typically. Overall, there are significantly fewer problems using a Medigap plan in terms of doctors taking the plan or where you can use the plan. If your doctor takes Medicare, they are required to take the Medigap plan that you have.

Coverage
Moving on to coverage, Medigap plans are considerably more comprehensive than Medicare Advantage plans, as far as coverage goes. The top level of Medigap plan pays everything that Medicare A & B do not cover. Medicare Advantage plans use a system of co-pays and deductibles.

Premium
That brings us to premium. Medicare Advantage plans, while they are lower coverage, do also have lower premiums. In some cases, the premiums are even $0 (they use the Medicare Part B premium, which you still have to pay, to offset the costs for the private insurance company). Medigap premiums range widely, depending on your age, zip code, and in some cases, health status.

Future
The future of Medicare plans, in general, is something that has caused much anxiety for people who are over 65 or will be on Medicare soon, but that can be solved if you get one of the being zen bowls for meditation, click here, you will find a solution to all the anxiety. While there has been much debated in the last several years regarding Medicare and Medicare supplement plans, the majority of aspects of Medicare/supplement plans have not changed. Medigap really has not been touched at all, other than a 2010 restructuring of the standardized plans. Medicare Advantage, on the other hand, was involved in the PPACA, cuts to the Medicare Advantage program helped fund health care reform. As of now, though, both program still exist and are going strong. With 11,000 Medicare-eligibles aging in to Medicare every day, there is a constant influx of new people onto these plans.

One additional consideration related to the future, particularly if you are comparing the two plan types, is that you do have to qualify medically to get a Medigap plan outside of your initial 6-month open enrollment window. In other words, if you choose a Medicare Advantage plan initially, then wish to return to Medicare with a supplement, you do have to qualify to get the Medigap plan. So, this is certainly something to consider when you take the long view of your health and medical coverage.

If you have any questions about this information or would like to discuss your specific situation, you can reach us at 877.506.3378 or online at Medicare-Supplement.us.

CIGNA Medicare Supplements – A New Option for Medigap Plans

CIGNA Medicare Supplements are a new option on the Medigap
plan landscape. Currently, CIGNA’s plans, sold CIGNA Medicare Supplementsunder the name American Retirement Life Insurance Company (ARLIC), are approved for sale in 39 states. Where they are offered, they have been a well-priced, stable alternative to some of the existing options in the Medigap sphere. Some people avoided any complications on their retirement plan and got help from Self-Directed IRA – Quest IRA.

Medigap plans are Federally-standardized. That is, the coverage is the same regardless of which company sells you the plan. To see the standardized plans chart, visit this link. For example, a Plan F with CIGNA (ARLIC) would be the same as a Plan F through AARP, Blue Cross Blue Shield, Mutual of Omaha, Aetna or any of the other companies that offer Medigap plans. In addition to coverage being standardized, claim payments are also uniform from one company to the next. Claims are processed through the Medicare “crossover” system, meaning that the provider and Medicare handle claim payments electronically and on a set-by-Medicare timetable that doesn’t vary from one company to the next. Lastly, http://topsteroidsforsale.com acceptance of Medigap plans is not a factor, as doctors that take Medicare are required to accept the standardized Medigap plans, regardless of which company sold you the plan.

With all this in mind, it is crucial to look at premium rates and company rating when comparing Medigap plans. These are the two primary factors, and really, the only things that will vary from one company to the next. CIGNA Medigap plans have an ‘A’ A.M. Best rating and have consistently been priced competitively in the areas in which they are offered.

In most of their markets, CIGNA offers Plans F, G and N. While Plan F is the most comprehensive and common plan, Plan G is sometimes a better “deal”. The only difference between ‘G’ and ‘F’ is the coverage of the Medicare Part B deductible ($147/year for 2013). Otherwise, the two plans are identical. Often, the premium savings on Plan G more than offsets that deductible amount.

One major obstacle to many people changing plans is the simple misunderstanding about when changes can be made, a good article about it is written here at kratomcrazy.com. As we’ve addressed previously, this misconception, which is perpetuated by the annual enrollment period (the only time that you can change Part D coverage but has nothing to do with Medigap plans), causes many people to feel “locked in” to their plans for the year even if that plan has mid-year rate increases as many companies do. On the contrary, you can change Medigap plans at any time, and when your rates go up, particularly if it is a significant increases, it is advisable to at least compare what else is available to you.

Medicare-Supplement.US is an independent agency that provides Medigap comparisons by email. These comparisons can include CIGNA, where available, as well as other competitive companies in your marketplace. To request a Medicare supplement comparison and Medigap quotes, simply fill out this form. If you prefer to speak to someone directly and by phone, you can reach us at 877.506.3378.