Schedule Your Call Today Many questions have come in wondering what this means, who does it affect, and why. The answer to all of these is it depends on your circumstances. Medicare Plan F The Medicare Plan F is the health insurance equivalent of “Total Coverage” in car insurance. It’s a … [Read more...] about Medicare Plan F is Going Away!
While both of these programs provide medical coverage, their functions and operations are very different. Here we will break down what each of them are, how you qualify for each, and how they work together. Schedule Your Call Today What are they? Medicare A federal healthcare program … [Read more...] about Medicare vs Medicaid
Most Medicare drug plans have a coverage gap (also called the "donut hole"). This means there's a temporary limit on how much of the cost the drug plan will cover for drugs. The coverage gap begins after you and your drug plan have spent a certain amount for covered drugs. In 2019, once you and … [Read more...] about What is the “Donut Hole”?
Schedule Your Call Today Medicare Advantage Special Needs Plans (SNPs) are private companies that the federal government pays to administer Medicare benefits. Like all Medicare Advantage Plans, SNPs must provide you with the same benefits, rights, and protections as Original … [Read more...] about What are Special Needs Plans?
If you have been on an HMO insurance plan, you may have heard the term medical group. Medical groups are arguably the most important aspect of your HMO insurance, but like most you may be unaware of who they are. What is a Medical Group? Health plans contract with local groups of doctors to … [Read more...] about What are Medical Groups?
Medicare Supplement plans have a unique set of rules compared to the rest of Medicare. Every other aspect of Medicare has very rigid times when you can enroll, disenroll, or change plans. With Supplements you can make changes any time of the year. This is often surprising yet welcomed. However, this … [Read more...] about When can I Enroll into a Medicare Supplement (Medigap) Plan?
There won’t be a commercial for it. You won’t get a notice in the mail. At best, it’ll be found in the middle of the Medicare booklet they mailed you. Medicare has a few penalties for not enrolling when first eligible, regardless of need. Medicare is a program that requires everyone who is able to … [Read more...] about Medicare Penalties
Schedule Your Call Today There are specific times when you can sign up for a Medicare Advantage Plan (MAPD), a Medicare Prescription Drug Plan (PDP), or make changes to coverage you already have. It’s important to know the enrollment periods for many reasons. We’ve provided you couple of them. … [Read more...] about Medicare Part C & Part D Enrollment Periods
COBRA is a very cool name for health insurance. Much cooler than the Plan F’s or the those named after gems and metals, like Ruby and Platinum. If we were to pick a health insurance plan based solely on its name, COBRA would be my first choice! But what is it? COBRA is actually an acronym that … [Read more...] about Medicare and COBRA Health Insurance
Depending on your circumstances, you can either be automatically enrolled into Medicare, or you’ll have to sign up yourself. Much of it will be determined by: your work history, your employment status, and if you are filing for social security or not. Original Medicare has two parts to enroll into, … [Read more...] about How to Enroll into Medicare