What’s Medicare Supplement Insurance (Medigap)?

Posted by:  :  Category: Medicare

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
Source: medicare.gov

Costs in the coverage gap

Mrs. Anderson reaches the coverage gap in her Medicare drug plan. She goes to her pharmacy to fill a prescription for a covered brand-name drug. The price for the drug is $60, and there’s a $2 dispensing fee that gets added to the cost. Mrs. Anderson will pay 45% of the plan’s cost for the drug ($60 x .45 = $27) plus 45% of the cost of the dispensing fee ($2 x .45 = $0.90), or a total of $27.90, for her prescription. $57.90 will be counted as out-of-pocket spending and will help Mrs. Anderson get out of the coverage gap because both the amount that Mrs. Anderson pays ($27.90) plus the manufacturer discount payment ($30.00) count as out-of-pocket spending. The remaining $4.10, which is 5% of the drug cost and 55% of the dispensing fee paid by the drug plan, isn’t counted toward Mrs. Anderson’s out-of-pocket spending.
Source: medicare.gov

Compare Medicare Supplement (Medigap) Plans and Rates in Your Area

"Times have changed since my mother had an AARP J plan and I was totally confused by the options available. Stan walked me through the process in a very educational, methodical, friendly way, and I feel secure now that we’re making the correct decision to provide the best possible coverage for my husband." – Pat K.
Source: medigap360.com

Medicare Part D coverage gap

The Medicare Part D coverage gap (informally known as the Medicare donut hole) is a period of consumer payment for prescription medication costs which lies between the initial coverage limit and the catastrophic-coverage threshold, when the consumer is a member of a Medicare Part D prescription-drug program administered by the United States federal government. The gap is reached after shared insurer payment – consumer payment for all covered prescription drugs reaches a government-set amount, and is left only after the consumer has paid full, unshared costs of an additional amount for the same prescriptions. Upon entering the gap, the prescription payments to date are re-set to $0 and continue until the maximum amount of the gap is reached: copayments made by the consumer up to the point of entering the gap are specifically *not* counted toward payment of the costs accruing while in the gap.
Source: wikipedia.org

Medigap (Medicare Supplement Health Insurance)

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will each pay its share of covered health care costs. Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium ($96.40 in 2011 for most beneficiaries). In addition, you will have to pay a premium to the Medigap insurance company. As long as you pay your premium, your Medigap policy is guaranteed renewable. This means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium. In some states, insurance companies may refuse to renew a Medigap policy bought before 1992. Insurance companies can only sell you a “standardized” Medigap policy. Medigap policies must follow Federal and state laws. These laws protect you. The front of a Medigap policy must clearly identify it as “Medicare Supplement Insurance.” It’s important to compare Medigap policies, because costs can vary. The standardized Medigap policies that insurance companies offer must provide the same benefits. Generally, the only difference between Medigap policies sold by different insurance companies is the cost. You and your spouse must buy separate Medigap policies.Your Medigap policy won’t cover any health care costs for your spouse. Some Medigap policies also cover other extra benefits that aren’t covered by Medicare. You are guaranteed the right to buy a Medigap policy under certain circumstances. For more information on Medigap policies, you may call 1-800-633-4227 and ask for a free copy of the publication “Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare.” You may also call your State Health Insurance Assistance Program (SHIP) and your State Insurance Department. Phone numbers for these Departments and Programs in each State can be found in that publication.
Source: cms.gov

Talk to State Farm Mutual Automobile Insurance Company About Medicare Supplement Insurance

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Source: statefarm.com

Medicare: What Are Medigap Plans?

If you are going to buy a Medigap plan, the open enrollment period is six months from the first day of the month of your 65th birthday — as long as you are also signed up for Medicare Part B — or within six months of signing up for Medicare Part B. During this time, you can buy any Medigap policy at the same price a person in good health pays. If you try to buy a Medigap policy outside this window, there is no guarantee that you’ll be able to get coverage. If you do get covered, your rates might be higher.
Source: webmd.com

Texas Medicare Supplement Plans

Posted by:  :  Category: Medicare

A Medicare Supplement plan covers costs associated with Original Medicare, including copayments, deductibles, and other out-of-pocket expenses. These plans are designed to work in combination with Original Medicare and cannot be used as stand-alone health coverage. Medicare Supplement plans do not include prescription drug coverage, but beneficiaries can choose to have prescription drug coverage by enrolling in a Medicare Part D prescription drug plan.
Source: ehealthmedicare.com

Texas Medicare Supplements

Most existing beneficiaries will be "held harmless" and will pay $104.90 in 2016. Beneficiaries not subject to the “hold harmless” provision will pay $121.80, as calculated reflecting the provisions of the Bipartisan Budget Act signed into law by President Obama last week. Medicare Part B beneficiaries not subject to the “hold-harmless” provision are those not collecting Social Security benefits, those who will enroll in Part B for the first time in 2016, dual eligible beneficiaries who have their premiums paid by Medicaid, and beneficiaries who pay an additional income-related premium. These groups account for about 30 percent of the 52 million Americans expected to be enrolled in Medicare Part B in 2016. 
Source: medicare-texas.net

Blue Cross Blue Shield Medicare Coverage

You can think of Medicare as a safety net. But even a safety net can have holes. Medicare covers many of your health care expenses. But it was never designed to pay all your health care costs. If you rely only on it to cover all your medical and/or prescription drug expenses, you could come up short. Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, has options to strengthen your Original Medicare safety net with:
Source: bcbstx.com

Medicare Supplement Options

* Network restrictions apply. ** Policy forms UWMSP(A)-2010, UWMSP(F)-2010, UWMSP(F-HD)-2010, UWMSP(G)-2010, UWMSP(K)-2010, UWMSP(L)-2010, UWMSP(N)-2010, UWMSP-SEL(F)-2010, UWMSP-SEL(G)-2010, UWMSP-SEL(K)-2010, UWMSP-SEL(L)-2010, UWMSP-SEL(N)-2010.
Source: bcbstx.com

Medicare.gov: the official U.S. government site for Medicare

The page could not be loaded. The Medicare.gov Home page currently does not fully support browsers with "JavaScript" disabled. Please note that if you choose to continue without enabling "JavaScript" certain functionalities on this website may not be available.
Source: medicare.gov

Texas Medicare Supplement Plans - Compare Texas Medigap Plans

Texas Medicare beneficiaries can buy a Medicare Supplement policy from any insurance company that is licensed to sell one in the state of Texas. However, not all companies will offer all 10 standardized plans. Insurance companies have the option to choose which Medicare Supplement plans to offer; however, they must at least offer the option of Plan A. In order to offer any other Medicare Supplement plans, the company must then also offer Plan C or Plan F. For the most part, enrollment in standardized Medicare Supplement is denied for individuals under the age of 65; however, Texas requires insurance companies to offer at least one kind of Medicare Supplement policy to Medicare beneficiaries under age 65.
Source: planprescriber.com

Texas Medicare Supplement (Medigap) Specialist

On this website you will find important information about Medicare and Texas Medicare Supplements, or Medigap Policies.  You will learn what Medicare covers…. and doesn’t cover.  You will learn when and how to sign up for Medicare.  We provide information about Medicare Supplements, and explain everything in detail.  We will guide you to find the best policy for your needs.  All it takes is a phone call, email, or simply fill out a form provided, and we will automatically shop over 30 highly rated insurance companies, to find you a great rate!  Have a Medicare question, simply phone or email, for one on one personal service!  Having a real person to talk to whenever you need, will give you extra peace of mind!
Source: tx-medicaresupplement.com

Medicare Supplement Quotes in Texas

First, we hope this website provides you a better understanding of what is about to happen like the fact that regardless of what you do or don’t do most if not all seniors automatically become enrolled in Part A of Medicare, this is the part of Medicare that provides your basic coverage. Also you should know that you should automatically have eligibility in Part B of Medicare, that’s the part that provides out patient benefits like doctor charges and testing. There is a small fee for Part B that is deducted from your Social Security benefits. We have provided more detailed information on Texas Medicare Eligibility to hopefully assist in understanding more about it. 
Source: medicareinsurancetexas.com

Texas Medicare Supplement Plan F

Plan F provides supplemental Medicare coverage for hospitalization (Part A), medical services (Part B), skilled nursing facility care, hospice care and home healthcare approved services. That means Plan F pays the 20 percent remaining costs for you to receive semi-private room and board, general nursing and miscellaneous services and supplies as well as outpatient medical services, supplies and treatment, physician services, physical and speech therapy, diagnostic tests and durable medical equipment. In addition, your coinsurance for days 21-100 of skilled nursing care are covered, as are the first three pints of blood 100 percent and 80 percent of any foreign emergency care you need up to $50,000 during your lifetime.
Source: texasmedicarehealth.com

Texas Medicare Supplement Pros

Disclaimer Texas Medicare Supplement Pros is owned and operated by Stubblefield Insurance Agency, LLC, a Texas licensed insurance agency. This website is a private website and is not associated, endorsed or authorized by the Social Security Administration, the Centers for Medicare and Medicaid Services, or the Department of Health and Human Services nor do we claim to be. Medicare has neither reviewed nor endorsed this information. This site contains basic information about Medicare, services related to Medicare and services for people with Medicare and is not connected with any Government. If you would like to find more information about the US Government Medicare program please visit the Official US Government Site for People with Medicare located at www.medicare.gov.
Source: texasmedicaresupplementpros.com

Medicare Supplement Insurance

Original Medicare can be difficult to understand at best and Medicare Supplement insurance plans can be a daunting task! We are here to help! You may be asking yourself, when is the best time to buy a Medicare Supplement insurance policy? The best time to purchase a policy is during “open enrollment”, open enrollment is six months prior to your 65th birthday and lasts 6 months from the first day of the month in which you turned 65. This enrollment is extended for those who enrolled in Medicare Part B after the age of 65. During this open enrollment period insurance companies cannot use medical underwriting to turn you down for insurance, make you wait for coverage, or charge you a higher premium. An insurance company also cannot use a pre-existing condition waiting period if you have a guaranteed issue right (also called Medigap protection). For people that are past their open enrollment period you can enroll or change Medicare Supplements any time of the year.
Source: medicaresupplementtexas.com

Medicare Supplement Insurance in Texas

Medicare Supplement Specialists is not connected with or endorsed by the United States Government or the federal Medicare program. Copyright (c) 2010. medicaresupplementspecialists.com. All rights reserved.
Source: medicaresupplementspecialists.com

Texas Medicare Supplemental Insurance

Texas Medicare Supplemental insurance policies are intended to bridge some of these missing coverage areas. For those covered by both Medicare and Medigap, health care billing is first submitted to Medicare. Then, once the program has paid for its portion, the bill is forwarded to the Medicare Supplemental provider for additional payment. The patient is responsible for any amount remaining after Medigap kicks in.
Source: medicaresupplementalinsurance.com

Texas Medicare Supplement

There’s no need to spend time calling all the different insurance providers. We guarantee the best coverage and the lowest available rate. We are the only company that offers Medicare Supplement Insurance Plans from the top insurance providers with online pre-qualification and the ability to apply with or without an agent.
Source: texasmedicaresupplement.info

Texas Medicare Supplement Insurance Plans & Quotes

If you are under age 65, have been approved for Medicare due to disability and are enrolled in both Parts A and B, then you can purchase Plan A in Texas. In some areas, High Deductible Plan F will be available as well. Insurance companies are allowed to charge higher rates for those under age 65, so a Medicare Advantage plan might be a good choice as well. We can help you compare Medicare supplements with Advantage plans.
Source: ohioinsureplan.com

Texas Medicare Supplements

Medigap Companies: Admiral Life Insurance Aetna Life Insurance American Continental Insurance American National Life Insurance Anthem Life American Pioneer Life Insurance American Republic Insurance Bankers Fidelity Life Insurance Blue Cross and Blue Shield Central Reserve Life Insurance Christian Fidelity Life Insurance Combined Insurance Company Conseco Insurance Company Continental General Insurance Continental Life Insurance Company Equitable Life and Casualty Insurance Family Life Insurance Company Forethought Insurance Company Genworth Life Insurance Company Gerber Life Insurance Company Globe Life and Accident Insurance Golden Rule Insurance Company Great American Life Insurance Guarantee Trust Life Insurance Humana Insurance Company Lincoln Heritage Life Insurance Loyal American Life Insurance Marquette National Life Insurance Mutual of Omaha Insurance Company National States Insurance Company New Era Life Insurance Company Old Surety Life Insurance Company Pacificare Life Assurance Company Pennsylvania Life Insurance Company Philadelphia American Life Insurance Physician’s Life Insurance Company Provident American Life & Health Reserve National Insurance Company Royal Neighbors of America Sierra Health and Life Insurance Southwest Service Life Insurance Standard Life and Accident Insurance State Mutual Insurance Company Sterling Investors Life Insurance Sterling Life Insurance Company Unicare United American Insurance Company United Commercial Travelers (UCT) United National Life Insurance United of Omaha Life Insurance United Teacher Associates United World World Corp Insurance Company
Source: medigap360.com

Medicare Supplement Plans

To be eligible to enroll in a Medicare Supplement plan, you must be enrolled in both Medicare Part A and Part B. The best time to enroll in a plan is during the Medigap Open Enrollment Period, which begins on the first day of the month that you are both age 65 or older and enrolled in Part B, and lasts for six months. During this period, you have the guaranteed issue right to join any plan of your choice, meaning that you may not be denied coverage based on any pre-existing conditions. If you miss this enrollment period and attempt to enroll in the future, you may be denied coverage based on your medical history.
Source: ehealthinsurance.com

Medicare Supplement of Texas

You may already know that Medicare by itself was never designed to cover ALL medical expenses for its recipients. Like any other insurance program, Medicare comes with costly co-payments and deductibles on everything from office visits and hospitalizations to home health care and much more. Medicare supplement policies (aka ‘Medigap’ policies) have long been a part of protecting retirees from potentially catastrophic losses due to inadequate coverage at a time when they are likely to need it the most. Medicare Supplement of Texas is here to assist you in that process.
Source: medicaresupplementoftexas.com

Texas – Medicare Supplement (Medigap) Insurance

If you are wondering how a Texas Medicare supplement plan works, it basically will cover costs that are in association with the traditional Medicare plan. These Medigap policies will provide the coverage difference for services that Medicare covers, and they will also cover the costs of deductibles, copayments, and any other out-of-pocket medical costs that are otherwise too expensive for individuals on a fixed income to afford. Texas Medicare supplement plans cannot be used as standalone insurance coverage. These plans are only designed to supplement the benefits offered by Medicare. Prescription coverage is not offered by any of these Medigap plans. Individuals who feel prescription drug coverage to be a priority will have to purchase a Medicare Part D prescription plan.
Source: medicarefaq.com

Texas Medicare Supplement Insurance Plans

in a situation where the Part A deductible, which for 2013 is $1,184 for each benefit period, not yearly and the Part B deductible comes in at $147 yearly. Also traditional Medicare is set up for you to be responsible for heavy cost sharing when treatment exceeds 60 days, to the tune of $296 a day that would be your full responsibility as well as $596 days 91-150. You would also be forced to use a doctor or hospital that accepts Medicare Assignment, otherwise you would also be charged for any and all excess charges. Medicare Assignment means the provider has agreed to take whatever fee the government pays them. The ideal solution would be to have a plan that paid ALL of the charges over what your Medicare plan pays, leaving you owing nothing, you can do this through supplements.
Source: medicareinsurancetexas.com

Texas Medicare Supplement

Texas Senior Benefits specializes in medicare supplement insurance, medigap insurance, life insurance, long term care insurance and also retirement, wealth and income protection. Texas Senior Benefits is a full-service, independent insurance agency specializing in quality insurance products designed to protect and insure the health, life, long term care and retirement needs of today’s Texas senior.
Source: texasseniorbenefits.com

Texas Medicare Supplemental Insurance – State Farm®

El siguiente contenido aún no está disponible en español. Nuestras disculpas por cualquier inconveniencia que esto pueda causar. Este contenido estará disponible en español en un futuro cercano.
Source: statefarm.com

Talk to State Farm Mutual Automobile Insurance Company About Medicare Supplement Insurance

El siguiente contenido aún no está disponible en español. Nuestras disculpas por cualquier inconveniencia que esto pueda causar. Este contenido estará disponible en español en un futuro cercano.
Source: statefarm.com

Medicare Supplement Insurance

“My experience with Russell Noga and Medisupps.com has been so wonderful I have to share it! My aunt and uncle needed new insurance with their move to a new state. My uncle is hearing impaired, and my aunt struggles with English. His patience and professionalism was beyond measure! He found them the very best coverage to fit their individual needs and at the best rate possible. Russell was so thorough, extremely kind, and made the entire process painless. I can’t express how grateful we feel to have found him to work through the insurance process. Thank you, Russell! Medisupps.com ROCKS!” ~ Norma Vally a.k.a Toolbelt Diva (Discovery Home Channel)
Source: medisupps.com

Texas Medicare Supplement

What is Medicare?It is a federal health insurance program referred to as Original Medicare, which includes people 65 years of age, or older, certain people with disabilities who are under age 65 and those with end-stage renal disease (permanent kidney failure). It pays for a large portion of the health care expense but not all of it. The portion that Medicare does not pay is what the individual must pay for out of pocket such as coinsurance, co-payments, and deductibles.  The gaps in Original Medicare coverage are commonly filled by a Medicare Supplement plan. Medicare in Texas and Texas Medicare plans are the same as Medicare in any state because it is a federal government that defines what the benefits are. Medicare has four parts: •Texas Medicare Part A:  This covers area such as inpatient hospital, inpatient skilled nursing facility, home health, and hospice services. Most people do not have to pay for Part A due their contributions over 10 years. •Texas Medicare Part B: provides covers outpatient and physician services. It also pays for other areas such as durable medical equipment, prosthetic devices, supplies incident to physician’s services, and ambulance transportation. Most people pay monthly for Part B. •Texas Medicare Part C: Are Medicare Advantage plans are offered by private insurance companies that serve as an alternative to Medicare. These plans can cover medical only or medical and dental. These plans are subsidized and regulated by the Federal government. •Texas Medicare Part D: Prescription Drug Coverage plans are offered by private companies to provide coverage for prescription drug costs. These plans are subsidized and regulated by the Federal government. Can you tell me more about Medicare Part A and Part B? Part A referred to as hospital insurance, helps pay expenses for inpatient hospital care, some skilled nursing facility care, hospice care, and some home health care. The medical costs you incur with Medicare Part A include a large deductible per benefit period and copays if you are in the hospital for over 61 days.  The benefit period for part A is your time in the hospital including 60 days after you are release.  Part B referred to as medical insurance, helps pay for outpatient hospital care, doctors’ services, and some other medical services and supplies when they are medically necessary that Part A does not cover. The Part B deductible is based on a calendar year and is generally affordable. After the deductible is met you will be responsible for 20% of your Medicare Part B expenses. This can be quite expensive if you have any major medical treatments. What is a benefit period? A benefit period starts on day one of a Medicare approved inpatient stay and ends when you have been out of the hospital for 60 consecutive days. This also applies to a skilled nursing facility. After that a new benefit period begins and the beneficiary must pay a new inpatient hospital deductible. There may be as many as five benefit periods in a calendar year.
Source: texasmedicaresupplementplan.com

Medicare Supplement Plans

This material is for information only. This is a solicitation to sell Aetna Medicare Supplement insurance. A sales representative may call. Benefits and costs may vary depending upon the insurance plan. Insurance plans are subject to exclusions, limitations and eligibility requirements. Neither Aetna Life Insurance Company nor any of its agents or Medicare Supplement insurance plans are connected with or endorsed by the U.S. or state government, Social Security or Federal Medicare program.
Source: aetnamedicare.com

Texas Medicare Supplement Insurance

Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.
Source: medicare-supplement.biz

Humana Medicare Supplement Plans in Texas

A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the “gaps” in original Medicare coverage. CDA Insurance LLC is an agency that sells Medicare Supplement plans to medicare beneficiaries. Submitting our online quote request form does NOT affect your current enrollment, nor will it enroll you in a Medicare Supplement plan or other Medicare plans. To apply for coverage you must submit an application for the company and plan that you want.
Source: medicare-texas.net

Original Medicare (Part A and B) Eligibility and Enrollment

Posted by:  :  Category: Medicare

To be eligible for premium-free Part A, an individual must be entitled to receive Medicare based on their own earnings or those of a spouse, parent, or child. To receive premium-free Part A, the worker must have a specified number of quarters of coverage (QCs) and file an application for Social Security or Railroad Retirement Board (RRB) benefits. The exact number of QCs required is dependent on whether the person is filing for Part A on the basis of age, disability, or End Stage Renal Disease (ESRD). QCs are earned through payment of payroll taxes under the Federal Insurance Contributions Act (FICA) during the person’s working years. Most individuals pay the full FICA tax so the QCs they earn can be used to meet the requirements for both monthly Social Security benefits and premium-free Part A.
Source: cms.gov

Medicare Eligibility Rules

If you are age 65 and currently receiving Social Security or Railroad Retirement Benefits, you are eligible for Medicare and you will be automatically enrolled in Medicare Part A and Part B. However, because Part B has a premium, you have the option of declining Part B coverage. In addition, Part B does require payment of a monthly premium of $104.90, barring certain exceptions, for individuals enrolling in Part B January 1, 2015 or later. These premiums can change on an annual basis.
Source: planprescriber.com

Does Medicare or Medicaid Come with Disability?

Do you get Medicare coverage if you were approved for SSI? Claimants who are approved for SSI only typically receive Medicaid coverage in most states. And like SSI, Medicaid is subject to income and asset limitations. Medicaid is a needs-based, state- and county-administered program that provides for a number of doctor visits and prescriptions each month, as well as nursing home care under certain conditions. Can you ever get Medicare if you get SSI? Medicare coverage for SSI recipients does not occur until an individual reaches the age of 65 if they were only entitled to receive monthly SSI disability benefits. At the age of 65, these individuals are able to file an uninsured Medicare claim, which saves the state they reside in the cost of Medicaid coverage. Basically, the state pays the medical premiums for an uninsured individual to be in Medicare so that their costs in health coverage provided through Medicaid goes down. 
Source: disabilitysecrets.com

If You Are Approved for Social Security Disability Do You Also Get Medicare & Medicaid?

If you file an application for Social Security disability and are approved, you will become automatically eligible for the Medicare program, which helps cover medical appointments, hospitalization and prescription medications. Before you can enroll in the Medicare program, however, Social Security imposes a waiting period of twenty-four months from the onset of your disability, as well as a five-month waiting period. For example, if you win your disability case and are judged to have been disabled two years ago, your eligibility begins five months after you are approved for disability.
Source: ehow.com

Medicare and Social Security Disability Benefits

You can get financial help from Social Security and Medicare if you’re permanently disabled or if you have Lou Gehrig’s disease or kidney failure. To be considered “permanently disabled,” your doctor must confirm that you are unable to work for at least 12 consecutive months. Being “unable to work” means you cannot perform your job functions because of the disability, and you cannot find a new line of work because of age, education, or impairment. You must follow your doctor’s prescribed treatment plan to continue to qualify. It’s a good idea to keep up-to-date medical records.
Source: planprescriber.com

How to Check Medicare Eligibility Online

Read over and analyze the results. If you are qualified for Medicare, it will explain exactly how and when you are eligible and any actions you need to take to access your benefits. This information is separated into three sections: General Enrollment, Part A Specific and Part B Specific. General Enrollment will give you essential enrollment information that you need to know, such as how to enroll if you are outside of the country, the dates you are eligible to enroll (called enrollment periods) and a quick summary of the Medicare benefits available to you. Part A and Part B Specific explain whether you are qualified for Part A and Part B and at what cost. It also specifies any regulations or stipulations that must be followed for enrollment purposes, such as enrollment periods or whether you may be at risk for a premium penalty if you delay enrollment. If you are not eligible immediately, the tool will tell you your prospective date of eligibility. For example, if your birth date is May 18, 1957 and you do not have a qualified disability, the tool will tell you that you are qualified for Medicare beginning May 1, 2022.
Source: ehow.com

Centers for Medicare and Medicaid Services

Posted by:  :  Category: Medicare

The Centers for Medicare & Medicaid Services (CMS), previously known as the Health Care Financing Administration (HCFA), is a federal agency within the United States Department of Health and Human Services (HHS) that administers the Medicare program and works in partnership with state governments to administer Medicaid, the State Children’s Health Insurance Program (SCHIP), and health insurance portability standards. In addition to these programs, CMS has other responsibilities, including the administrative simplification standards from the Health Insurance Portability and Accountability Act of 1996 (HIPAA), quality standards in long-term care facilities (more commonly referred to as nursing homes) through its survey and certification process, clinical laboratory quality standards under the Clinical Laboratory Improvement Amendments, and oversight of HealthCare.gov.
Source: wikipedia.org

Medicaid and Medicare: Learn the Basics and Pros & Cons

Inheritance and bequests are usually wonderful gifts, but for a beneficiary on Medicaid, these funds can jeopardize their eligibility for benefits. There are ways to receive this money and not be penalized, but they require plenty of careful preplanning.
Source: agingcare.com

More Medicare Information

If you live in Puerto Rico you will not receive Medicare Medical Insurance (Medicare Part B) automatically. You will need to sign up for it during your initial enrollment period or you will pay a penalty. To sign up, please call our toll-free number at 1-800-772-1213 (TTY 1-800-325-0778). You also may contact your local Social Security office. You can find your local Social Security office by using our Office Locator.
Source: ssa.gov

Difference between Medicare and Medicaid

In order to get Medicare coverage for a nursing home stay, you must be in an approved skilled nursing facility, have been in the hospital for at least three days prior to entering the facility, and to be deemed by Medicare to be medically benefiting from that skilled nursing. Custodial care is not covered. Technically, there is a maximum of 100 days of nursing home benefit. In actuality, the requirement about medically benefiting usually limits the benefit to a period of 10-20 days for rehabilitation.
Source: medicaidhelp.com

The Difference between Medicare and Medicaid

Medicaid is a federal program that is administered separately by each state. This is not the only difference between it and Medicare, however. Medicaid covers low-income people who do not have the financial means to afford healthcare, while Medicare applies to everyone who has paid into the system and reached the point of eligibility.
Source: findlaw.com

How to Enroll in Medicare

Posted by:  :  Category: Medicare

Fill out the Initial Enrollment Application Package. You will need to provide your social security number, income, retirement status, marital status and information about other health benefits you may be receiving. You will fill out this application during your appointment. Bring along a photo ID. You may want to bring along a copy of your most recent tax return as well in order to provide information about your income.
Source: ehow.com

When to Enroll in Medicare

U.S. citizens and legal permanent residents (residing in the U.S. for five continuous years) who are within three months of their 65th birthday may enroll in Medicare Part A. If you already receive Social Security benefits or the Railroad Retirement benefits, then you will be automatically enrolled in Medicare Part A the first day of the month in which you turn 65 years old. Your Medicare card will be mailed to you about three months before your 65th birthday. You are also eligible to enroll for Medicare Part B the month in which you turn 65, although because you pay a monthly premium for this coverage, you have the option to opt out of it when you receive your “Welcome to Medicare” packet (which arrives with your Medicare card).
Source: planprescriber.com

Enroll in Medicare Part D

Cigna-HealthSpring Rx’s pharmacy network offers limited access to pharmacies with preferred cost-sharing in rural Alaska. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including pharmacies with preferred cost-sharing, please call 1-855-391-2556 (TTY 711) or consult the Online Pharmacy Directory.
Source: cigna.com

Medicare Supplement Leads and Medicare Advantage Leads

Posted by:  :  Category: Medicare

Over 65 Medicare Supplement leads cannot be overlooked. There are so many Americans paying more than they need to. They understand the process. They are NOT bombarded with mail. If you sell one of the top two lowest carriers in your market, this is a remarkable marketing tool.
Source: targetleads.com

Medicare Supplement Leads, Senior Health Insurance Leads and Medicare Leads

All Web Leads simplifies the process when your agency wishes to buy senior health or Medicare leads. Our easy to use system is fully automated and highly customizable so you can target your search results by location, age, or coverage needs. There has never been an easier solution to your need for Medicare supplement insurance leads or other senior health insurance types. Every lead you receive will adhere to the filters you have selected, which also increases your chances of improving sales for your agency. As soon as we have identified a fresh lead that meets the needs of your agency, All Web Leads will contact you via email or your mobile device so you have fast access to the information you need to make a sale. 
Source: allwebleads.com

Medicare Supplement Leads

Delivering  your continuous stream of targeted direct mail Medicare leads is much easier with an in-house printer! Communications are fast and accurate, new product changes can be implemented easily, and adjustments to deliver just the amount of leads you need can be managed swiftly.  Your Medicare leads from EQUITA are never purchased from outside sources, nor are they ever sold to other companies.  When you are an EQUITA agent, your leads are produced by us alone, from areas you specify, by our in-house printshop, solely for your benefit.
Source: equitamedicaresupplementleads.com

Direct Mail Leads for Medicare Supplement, Final Expense and More

Send a mailer to the names available on our accurate and qualified lists using our turn key lead services. Names to mail with age and income selection, forms, printing, bulk rate outgoing shipping, response postage and handling, scanning, uploading and data entry into TLLM are all included in the price you are given. If you would like to select additional demographics or duplicate lists we can add those options to your order. All leads returned are EXCLUSIVE to you and your order. The households (not just the names) you mail are also protected for at least 90 days giving you plenty of time to receive and work your leads.
Source: targetleads.com

Get Medicare Leads, Exclusive Medicare Supplement Insurance Leads › Benepath

I absolutely love the Benepath exclusive leads. This program consistently brings me high quality leads who not only know that I am calling, they are typically eager to speak with me! Not only this, but Benepath truly stands behind what their system and acts as a real partner. Since starting on the Benepath program my business has really picked up and I spend less time prospecting and more time selling. I would highly recommend the Benepath exclusive leads program to any agent.
Source: benepath.net

Medicare Supplement Insurance Leads

All our Exclusive Medicare insurance leads come with attentive customer service from the lead generation experts at Parasol Leads, and we offer a very fair return policy. It is our goal to equip agents with the tools and exclusive Medicare insurance leads they need to take their businesses to the next level.
Source: parasolleads.com

Supplements & other insurance

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Source: medicare.gov

Nevada Medicare Supplements

Posted by:  :  Category: Medicare

Most existing beneficiaries will be "held harmless" and will pay $104.90 in 2016. Beneficiaries not subject to the “hold harmless” provision will pay $121.80, as calculated reflecting the provisions of the Bipartisan Budget Act signed into law by President Obama last week. Medicare Part B beneficiaries not subject to the “hold-harmless” provision are those not collecting Social Security benefits, those who will enroll in Part B for the first time in 2016, dual eligible beneficiaries who have their premiums paid by Medicaid, and beneficiaries who pay an additional income-related premium. These groups account for about 30 percent of the 52 million Americans expected to be enrolled in Medicare Part B in 2016. 
Source: medicare-nevada.com

Medicare.gov: the official U.S. government site for Medicare

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Source: medicare.gov

Noridian Healthcare Solutions, LLC

Part A claims processing covers services provided through hospitals and post-hospital care. Noridian administers Part A for ‘)” onmouseout=”UnTip()”>Jurisdiction F and ‘)” onmouseout=”UnTip()”>Jurisdiction E.
Source: noridianmedicare.com

What is Medicare? What is Medicaid?

Posted by:  :  Category: Medicare

Medicare Part A, or Hospital Insurance (HI), helps pay for hospital stays, which includes meals, supplies, testing, and a semi-private room. This part also pays for home health care such as physical, occupational, and speech therapy that is provided on a part-time basis and deemed medically necessary. Care in a skilled nursing facility as well as certain medical equipment for the aged and disabled such as walkers and wheelchairs are also covered by Part A. Part A is generally available without having to pay a monthly premium since payroll taxes are used to cover these costs.
Source: medicalnewstoday.com

The Medicare & Medicaid Center: What’s the Difference Between Medicare and Medicaid?

Insurance companies are constantly trying to improve the level of service they provide to customers even if it means a lot of work on new products and services. In 2012 Medicare is trying to improve service on their website with the “Blue Button” that should help with navigation. Your information and previous records will be much easier to access with this tool. You can logon from anywhere at any time and be able to access your medical history, health care providers and medications. Continue reading
Source: medicare-medicaid.com

Medicare.gov: the official U.S. government site for Medicare

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Source: medicare.gov

More Medicare Information

If you live in Puerto Rico you will not receive Medicare Medical Insurance (Medicare Part B) automatically. You will need to sign up for it during your initial enrollment period or you will pay a penalty. To sign up, please call our toll-free number at 1-800-772-1213 (TTY 1-800-325-0778). You also may contact your local Social Security office. You can find your local Social Security office by using our Office Locator.
Source: ssa.gov

Get Medicare Part D Quotes in Seconds

Posted by:  :  Category: Medicare

As could be expected, prices for Humana policies rocketed for the 2015 calendar year. Mean premiums for Humana Part D jumped from $21.80 to $38.70. Medicare Part D is priced at $41.55 and Part D Medicare comes in at the slightly lower price of $38.80. Humana’s standalone market share coverage has dropped to 18.6% whereas their Medicare Part D policies have increased to a market share of 12.8%.
Source: medicareaide.com

What’s Medicare Supplement Insurance (Medigap)?

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
Source: medicare.gov

Medigap (Medicare Supplement Health Insurance)

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will each pay its share of covered health care costs. Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium ($96.40 in 2011 for most beneficiaries). In addition, you will have to pay a premium to the Medigap insurance company. As long as you pay your premium, your Medigap policy is guaranteed renewable. This means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium. In some states, insurance companies may refuse to renew a Medigap policy bought before 1992. Insurance companies can only sell you a “standardized” Medigap policy. Medigap policies must follow Federal and state laws. These laws protect you. The front of a Medigap policy must clearly identify it as “Medicare Supplement Insurance.” It’s important to compare Medigap policies, because costs can vary. The standardized Medigap policies that insurance companies offer must provide the same benefits. Generally, the only difference between Medigap policies sold by different insurance companies is the cost. You and your spouse must buy separate Medigap policies.Your Medigap policy won’t cover any health care costs for your spouse. Some Medigap policies also cover other extra benefits that aren’t covered by Medicare. You are guaranteed the right to buy a Medigap policy under certain circumstances. For more information on Medigap policies, you may call 1-800-633-4227 and ask for a free copy of the publication “Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare.” You may also call your State Health Insurance Assistance Program (SHIP) and your State Insurance Department. Phone numbers for these Departments and Programs in each State can be found in that publication.
Source: cms.gov

Supplements & other insurance

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Source: medicare.gov

Medicare Supplemental Insurance Plans

With a variety of standardized Medicare supplement insurance plans available, it’s important to know your options. Learn about the benefits and how a Medicare supplement insurance plan could be the right fit for you
Source: aarpmedicaresupplement.com

Precision Senior Marketing

Posted by:  :  Category: Medicare

Located in beautiful Austin, Texas, Precision Senior Marketing, LLC is a full-service, national insurance marketing organization dedicated to recruiting, servicing, and supporting the best senior market insurance agents in the United States. PSM provides its agents with only the market’s best products that include Medicare supplements, life insurance, annuities, long term care insurance, final expense insurance, and other insurance products that provide security and a peace of mind for the nation’s exploding senior population.
Source: psmbrokerage.com

A Guide to Medicare Supplemental Companies

Christian Fidelity Life Insurance Company was established in 1954 and specializes in Phoenix, AZ providing life and health insurance coverage to the senior citizens. The company is located in and functions as a subsidiary of Oxford Life Insurance Organization. Christian Fidelity Life is actually a superb quality Final Expense Life Insurance and Medicare Supplement dispensing insurance company with excellent sales workforce, outstanding service and highly competitive premiums. Presently, about 30,000 insured persons being offered individual Supplemental Medicare insurance products. The company owns assets worth $90,802,891, a capital equaling $3,630,000 and a net surplus amounting to $41,934,621. Christian Fidelity Life Insurance Company has been graded with B++ (GOOD) rating by the A.M.Best Company. The two main insurance products provided by Christian Fidelity Life are Medicare Supplement and Life Insurance. The Supplemental Medicare plans offered by the company helps in covering the expenses left behind by Medicare, for example: Medicare Part A deductibles & co-payments, doctor services, outpatient services & supplies, emergency health care (outside U.S.), ambulance services, skilled nursing facility, speech therapy and extended hospital care. The other main type of insurance, provided by Christian Life is Life Insurance with a special whole life insurance plan known as Assurance Final Expense. This whole life policy is offered to the individuals aged from 50 to 85 years. The policy gives coverage for the funeral costs and other expenses when the insured person passes away.
Source: bestmedicaresupplement.com