Changes to Medicare With the Affordable Care Act

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However, many Medicare Advantage plans are also reducing the size of their provider and pharmacy networks. Or they may increase what you pay in copays or coinsurance. That’s why it’s important to shop for plans each year during the Annual Election Period. Given ongoing changes to plan details, it’s a good idea to make sure the coverage you have now continues to be the best one for you.
Source: webmd.com

How Medicare Advantage Plans work

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Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You’ll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare.
Source: medicare.gov

America’s Health Insurance Plans

The Coalition for Medicare Choices is a rapidly growing organization of Medicare Advantage beneficiaries. More than 1.4 million Americans in 50 states have joined the Coalition to protect the benefits they receive through their Medicare Advantage plan. Together, we are working to show Congress that Medicare Advantage plans provide critical benefits and lower out-of-pocket costs to millions of beneficiaries. As Congress debates potential changes to Medicare Advantage, we will make certain that your voices are heard. The Coalition for Medicare Choices is administered by America’s Health Insurance Plans, the national association representing nearly 1,300 member companies providing health insurance coverage to more than 200 million Americans.
Source: ahip.org

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

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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

Medicare Information, Help, and Plan Enrollment

Humana is a Medicare Advantage [HMO, PPO and PFFS] organization with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share may change on January 1 of each year.
Source: medicare.com

What’s Medicare Supplement Insurance (Medigap)?

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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

How to compare Medigap policies

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Source: medicare.gov

Quest Diagnostics : Medicare Limited Coverage Policies Reference Guide

Please note that local policies are determined by the performing test location. This is determined by the state in which your performing laboratory resides. The state links below provide a quick reference tool. Please click on the state where your testing is commonly performed. For example: If your office is located in Indiana but testing is sent to Cincinnati, choose Ohio. If your office is located in Indiana, but testing is sent to Auburn Hills Michigan, choose Michigan. If your office is located in Indiana and testing is sent to Indianapolis then select Indiana.
Source: questdiagnostics.com

Medicare locations in the US, online health care directory 2016

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MedicareLocations.com is your fast online health care companies, hospitals and doctors directory. Our directory consist of more than 1,000,000 physicians, 400,000 hospitals and heath care agencies all across the United States of America.
Source: medicarelocations.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

Browse Any 2011 Medicare Part D Plan Formulary

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- Copay / Coinsurance – These figures apply to the initial coverage phase of your plan. This is the phase after the initial deductible has been met and before you reach the Coverage Gap (Donut Hole). Plans often cover drugs in “tiers”. Tiers are specific to the list of drugs covered by the plan. Plans may have several tiers, and the copay for a drug depends on which tier the drug is in. The drug Tier is shown to the left of this column. These cost sharing figures DO NOT necessarily apply to the Coverage Gap. The plan may have a separate copay/coinsurance for the same drug while in the Coverage Gap. There are two figures shown under this “Cost Sharing” category:
Source: q1medicare.com

Contact Information and Websites of Organizations for Medicare

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Source: medicare.gov

MedSuppForAgents.com offers agents the resources and information they need to sell more Medicare Supplement Insurance!

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This self-help web site provides insurance agents with 24-hour access to Medicare Supplement product information. Just click on one of the carriers above to view key information such as rates, plans available, contracts, underwriting rules, lead programs and more. Call us at 1-877-888-9996 and speak with one of our experienced and licensed Marketing Coordinators. Over the years, MedSuppForAgents.com has earned a reputation for integrity, leadership and performance with insurance companies, producers and consumers.
Source: medsuppforagents.com

Get Medicare Supplemental Insurance Plan Quotes

As long as you enroll during this six-month Medigap Open Enrollment Period, the insurance company cannot refuse to sell you a Medigap policy, charge you more because you have health problems, or make you wait for coverage to begin. However, you may have to wait up to six months for coverage of a pre-existing condition. Original Medicare will still cover that health problem even if your Medicare Supplement plan doesn’t cover your out-of-pocket costs.
Source: ehealthmedicare.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

Medicare Supplement Plans & Quotes

Turning 65 is stressful, and the amount of information people receive leading up to their birthday is astounding. From the stacks of mail piling up on your desk, to the seemingly endless phone calls and quotes from insurance companies and agents, the task of gathering honest, unbiased information can feel impossible. Our goal is to offer what nobody else will, which is why we provide medicare supplement quotes, financial ratings, benefit information, application fee data, price history, and pricing methodology for all supplemental insurance companies in one clean, concise report. Our free, no obligation service is designed to give you the information you need regarding Part D and Medicare Supplement Plans in order to make an educated purchasing decision. In addition, we offer continued support for all of our customers to ensure they have no claims or billing issues. On an annual basis we review all medicare supplement insurance quotes and plan options in an effort to notify our customers of any new or better plans that may be available.
Source: medicaresupplementshop.com

Medicare Supplement Insurance

A Medicare Supplement Policy (MSP), sometimes referred to as “Medigap”, is a health insurance policy issued by a private insurance company and is designed to fill in some of the gaps in Medicare, gaps attributable to deductibles, co-payment requirements and benefit periods. They are not provided or administered by the federal government, but federal regulations do require the plans to meet certain requirements which eliminate questionable marketing practices and provide a degree of consumer protection. The protections assure that the private insurance companies may not discriminate in pricing or availability of coverage based on health status, claims experience, receipt of health care or medical condition.
Source: tcuinsurance.com

Pyramid Life Insurance Company

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Pyramid Life Insurance Company has been meeting America’s insurance needs since 1913. Today, the company remains dedicated to helping older Americans and people with Medicare obtain valuable insurance coverage.
Source: universalamericaninsuranceplans.com

Pyramid Insurance Company Medicare Plans

Pyramid Life Insurance and Pyramid Life Medicare has been in the insurance and medicare industry helping the senior citizens across the United States. Today the Pyramid insurance company is still one of the top leaders in valuable insurance companies and gap insurance since 1913.  Reliable support and experienced agents are what is backing this company.  For nearly a century now, Pyramid Life  has provided specialty health and life insurance to American Citizens.
Source: medigapgroup.com

Costs for Medicare Advantage Plans

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If you’re in a Medicare plan, review the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC) your plan sends you each fall. 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 that will be effective in January.
Source: medicare.gov

Medicare Advantage Premiums & Costs

Remember that a Medicare Advantage plan may have more costs than its monthly premiums alone. Beneficiaries may have copayments, coinsurance, and deductibles associated with doctors’ visits, hospital stays, and other health-care services. Beneficiaries also have out-of-pocket expenses associated with medications, including deductibles and copayments. In general, Medicare Advantage plans have a maximum allowable deductible that they can charge, but they also have the option to reduce or eliminate this deductible.
Source: planprescriber.com

Medicare Advantage Insurance Costs

In addition to paying your Part B premium, you may also be responsible for paying a Medicare Advantage premium. Some Medicare Advantage plans may have premiums as low as $0, while other plans may have higher monthly premiums, You may want to compare all available plan options in your area to find a plan with costs and benefits that meet your needs. Remember, even if your service area offers a Medicare Advantage plan with a $0 premium, this doesn’t mean that that plan won’t have other costs. You’ll still need to pay the Medicare Part B premium, along with any copayments, coinsurance, or deductibles required by the Medicare Advantage plan. Always be careful to evaluate all costs related to any Medicare Advantage plan you’re considering, not just the premium.
Source: ehealthinsurance.com