​Medicare Supplement plans – also known as Medigap plans – are designed to cover some of the costs that Original Medicare doesn’t. These costs include things like copayments, coinsurance and deductibles. Some Medigap plans also offer certain benefits that Original Medicare doesn’t like emergency foreign travel expenses. Medigap plans don’t cover your costs under other health plans – including Medicare Advantage Plans – but only the costs that Original Medicare doesn’t cover.
Here’s how it works. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amount for a covered service. Then, your Medigap policy pays its share. But Medicare doesn’t pay any of the costs of purchasing the policy.
Medigap Plans differ from Medicare Advantage Plans in an important way. Medicare Advantage Plans are just an alternative way to get your Medicare Plan A and B benefits. Medigap Plans are solely designed to cover costs that Original Medicare doesn’t cover. In fact, insurance companies generally can’t sell you a Medigap Plan if you are already covered by a Medicare Advantage Plan or Medicaid. Medigap Plans are required to follow all federal and state consumer protection laws and policies must be clearly identified as “Medicare Supplement Insurance.” Medigap Plans in most states are standardized, and identified by Plan letters A through N. Each standardized state Medigap plan under the same plan letter must offer the same basic benefits, no matter what insurance company sells it. Usually, the only difference between Medigap policies with the same plan letter is the cost charged by different insurance companies… so you can comparison shop!
Let us help you with your important Medicare decisions. Call to speak to a licensed insurance agent.

​Medicare Advantage plans are an alternative to basic - or so-called Original - Medicare. Sometimes referred to as Medicare Part C or MA Plans, they are offered by Medicare-approved private companies. They must follow Medicare rules and provide Medicare Part A and B coverage. Most Medicare Advantage Plans also include Part D drug coverage.
In many cases, you can obtain the lowest plan rates by using an in-network provider in your area. Some plans do have an out-of-network option, but it will sometimes be at higher cost. An attractive benefit of Medicare Advantage plans is that they set a limit on the amount you pay out-of-pocket for covered services annually, which helps protect you from unexpected expenses.
When seeking treatment, you must present your Medicare Advantage card to receive Medicare covered treatment.
The most common types of Medicare Advantage plans are Health Maintenance Organization or HMO Plans, Preferred Provider Organization or PPO Plans, Private-Fee-For-Service or PFFS Plans, Special Needs Plans or SNPs. Each type has its own set of benefits, costs and limitations, so be sure to research your choice carefully. But no matter what plan you choose, do not discard your red, white and blue Medicare card, because you’ll need it if you ever decide to switch back to Original Medicare.
Let us help you with your important Medicare decisions. Call to speak to a licensed insurance agent.

​To get the most out of your Medicare coverage, it’s important to understand what the different parts of the Medicare program provide and what the cost is to you. The Medicare program consists of four parts: Part A - Hospital Insurance, Part B - Medical Insurance, Part C-Medicare Advantage, and Part D - Prescription Drug Coverage.
Let’s talk about Medicare Part D – Prescription Drug Coverage. Medicare Part D helps you cover the rising cost of prescription drugs after age 65. Premiums may vary depending on what plan you choose and may change each year. You may also have to pay an extra amount each month based on your income, if your adjusted individual gross income from the two years prior exceeds preset earnings limits for filing single or if married filing jointly. Social Security will tell you if you must pay this extra amount to Medicare - not to your plan – and the amount will be adjusted each year based on your most recent IRS return.
You might pay a penalty if you don’t join a drug plan when you first join Medicare and go 63 days without coverage similar in value to Part D coverage. Most plans do charge a deductible, and the amount that you pay out-of-pocket before the plan begins to pay, as well as the payment amount, will vary. Your actual costs will also depend on the drugs you take, what drugs the plan covers and the pharmacy.
As you can see, there’s a lot to know about Medicare, so why not get some help with your Medicare plan? Let us help you with your important Medicare decisions. Call to speak to a licensed insurance agent.

To get the most out of your Medicare coverage, it’s important to understand what the different parts of the Medicare program provide and what the cost is to you. The Medicare program consists of four parts: Part A - Hospital Insurance, Part B - Medical Insurance, Part C – Medicare Advantage, and Part D - Prescription Drug Coverage.
Let’s talk about Medicare Part B - Medical Insurance. Part B covers outpatient care like doctor visits and lab tests. The premium for Part B Medicare is determined by your income. The amount can change each year and you pay this premium monthly, even if you don’t receive any Part B services. You pay a Part B deductible once a year before Medicare begins to pay. Once you’ve met your deductible, you’ll pay 20% of the cost of any Medicare-covered services or items.
If you don’t sign up for Part B coverage when you first become eligible for Medicare, usually at age 65, your monthly premium could go up 10% for every 12-month period without Part B coverage. You’ll have to pay this late enrollment penalty each time you pay your premium for as long as you have Part B, and the penalty increases the longer you go without Part B coverage. 
As you can see, there’s a lot to know about Medicare, so why not get some help with your Medicare plan? Let us help you with your important Medicare decisions. Call to speak to a licensed insurance agent.

​To get the most out of your Medicare coverage, it’s important to understand what the different parts of the Medicare program provide and what the cost is to you. You become eligible for Medicare coverage when you turn 65. If you’re younger and disabled for 24 months or have certain illnesses, you can also qualify.
The Medicare program consists of four parts: Part A - Hospital Insurance, Part B - Medical Insurance, Part C – Medicare Advantage, and Part D - Prescription Drug Coverage. Let’s begin with Part A – Hospital Insurance. For most people, you pay no premium for Part A hospital coverage, because you’ve been working at least 10 years and paying Medicare taxes.
You pay a deductible each time you’re admitted to the hospital per benefit period before Medicare begins to pay. The benefit period ends after you have received no inpatient treatment for 60 consecutive days. While there is no limit to the number of benefit periods you can have, you must pay the inpatient hospital deductible each time a new benefit period begins.
The costs for inpatient hospital stays are calculated this way: For Days 1-60 you pay $0… after you pay your Part A deductible. For Days 61-90 and Days 91-150, you pay an increasing amount for each segment, while using your 60 lifetime reserve days. After day 150 you pay all costs.
As you can see, there’s a lot to know about Medicare, so why not get some help with your Medicare plan? Let us help you with your important Medicare decisions. Call to speak to a licensed insurance agent.

​Many pre-retirees are uncertain about their choices when it comes to enrolling in Medicare. There are 2 main ways to get your coverage - you can choose the traditional fee-for-service Medicare, known as Original Medicare, or a Medicare Advantage plan.
Medicare Advantage plans are similar to an HMO, which stands for Health Maintenance Organization or a PPO, which stands for Preferred Provider Organization.
Original Medicare consists of Part A - Hospital Insurance for in-hospital care, and Part B Medical Insurance for outpatient services like doctor visits and lab tests.
Medicare Advantage, known as Part C, is a managed care option that rolls all the different parts of Medicare into one.
And everyone on Medicare is eligible for prescription drug coverage either from a Part D plan or a Medicare Advantage Plan offering drug coverage.
There are many considerations that can factor into the Medicare planning process. Let us help you with your important Medicare decisions. Call to speak to a licensed insurance agent.

​Most Americans who turn 65 are eligible for Medicare, a federal program that covers many health expenses for seniors. But the program is complicated. Here are 5 important facts you need to know:
First - Medicare is not free. Of the 4 parts, Part A - Hospital Insurance - is the only one that normally has no premium. Parts B, C and D have premiums that vary.
Second - Enrollment is not automatic - you have to sign up for Medicare benefits. The exception is for those already receiving Social Security benefits. If you’re already receiving Social Security benefits, you will automatically receive Medicare Parts A and B.
Third - Late enrollment can mean expensive, and permanent, premium penalties. You have 7 months, starting 3 months before your 65th birthday month, to sign up penalty-free.
Fourth - Medicare covers a lot, but not everything. Services like long-term care, dental and vision care are not covered. People often purchase additional private coverage for these types of services.
And fifth, if you’re in a higher tax bracket, you’ll pay more. High-income seniors pay surcharges on premiums for both Parts B and D.
Let us help you with your important Medicare decisions. Call to speak to a licensed insurance agent.

Welcome to our new insurance agency blog!
 
This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you.
 
We hope you'll come to view this as a top resource for keeping your family and your finances safe.
 
Here are a few of the topics we may be writing about:

• Answers to clients' frequently asked questions.
• Helpful information about insurance shopping.
• Safety and Health Tips and Ideas.
• Local Community Information.

 
Stay Tuned!

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