Medicare Supplemental Insurance — Which policy is best?

Posted by:  :  Category: Medicare

Our recommendation: After picking the benefit combination (Plan A through L) that best suits your needs, buy the issue-age or community-rated Medigap policy with the lowest premium. Even though they are a bit more expensive at the start, your premiums won’t go up every year just because you get older. (AARP’s Medigap plans use a combination of issue-age and community-rated methods; their premiums don’t increase as you get older, but their younger retirees do receive a discount.)
Source: todaysseniors.com

Medicare Supplemental Insurance Quotes

Medicare supplemental insurance plans are not only ideal in the sense that they help individuals to cover loose ends that may not be covered under Medicare, but these plans also maintain the rights and protections set forth under and individuals Medicare insurance plan. Additionally, one can maintain the relationship that they have with their current doctors, even if using a Medicare supplemental insurance plan, ensuring that you are comfortable with the medical attention that you are seeking. Supplemental plans work solely to aid individuals in increasing the benefits that they have under their medical insurance, as detailed on various pages through this website. It is important that you become knowledgeable in the current cost and benefits associated with your Medicare insurance plan, as well as the additional benefits that you may eligible for under a Medicare supplemental insurance plan.
Source: medicaresupplementalinsurance.co

Compare Medicare Advantage & Supplemental Plans

Medicare Advantage insurance is offered by private insurance companies with a Medicare contract, and replaces Original Medicare Part A and Part B. You must continue to pay your Part B premiums. Medicare Advantage plans typically offer additional benefit options and have less cost-sharing than Original Medicare, and you may have to pay a monthly premium in return for the extra benefits. Medicare Advantage plans come in a variety of formats, such as HMO, PPO and PFFS plans, as well as special needs plans. Medicare beneficiaries can enroll in Medicare Advantage plans if they have Medicare Part A and Part B, but only during designated enrollment periods. These enrollment periods change from time-to-time, so please call us to get the most-up-to-date information.
Source: medicaresolutions.com

How to compare Medigap policies

Posted by:  :  Category: 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: 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

Blue Cross Medigap Supplemental Insurance

Before you purchase a Medigap policy from Blue Cross you need to know a few things: 1) Blue Cross Medigap programs, like all Medigap programs, are intended only for people who are enrolled in both Parts A and B of Medicare, and in some states only for those over 65. 2) As you know, Medicare Supplement Insurance plans (often called Medigap) are regulated, so, Blue Cross has to offer the exact same benefits as all other senior supplement insurance providers.  3) Which Medigap plans Blue Cross offer (and more importantly at what price) can vary dramatically from state-to-state.
Source: medicoverage.com

Compare Medigap Insurance Plans

Enter your ZIP code to compare quotes from top insurance companies on Medigap.com. Prices vary from company to company, so shop around for the best prices. Medicare supplement insurance is available in up to 10 standardized insurance plans. Each plan is named with a letter of the alphabet. In Massachusetts, Minnesota and Wisconsin there are different standardized plan options available.
Source: medigap.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

Medicare Supplement Plans

Some states may offer Medigap plan options to beneficiaries under 65 who qualify for Medicare because of disability or certain conditions (such as end-stage renal disease). Federal law doesn’t require states to sell Medicare Supplement insurance to beneficiaries under 65. However, depending on where you live, some states may offer Medigap coverage to beneficiaries under 65; eligibility and the specific available options may vary by state. If you’re a Medicare beneficiary under 65 and interested in purchasing Medicare Supplement insurance, contact your state insurance department to learn if you’re eligible for Medigap coverage in your state.
Source: ehealthinsurance.com

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

Posted by:  :  Category: 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

Adobe: Creative, marketing and document management solutions

Adobe is changing the world through digital experiences. Our creative, marketing and document solutions empower everyone — from emerging artists to global brands — to bring digital creations to life and deliver them to the right person at the right moment for the best results.
Source: adobe.com

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

When & how to sign up for Part A & Part B

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

Travel Guard: Travel Insurance for Trip Cancellation, Medical/Health & Accident Coverage, Flight Delays, Hurricane and Tropical Storms from TravelGuard.com

Posted by:  :  Category: Medicare

Travel Guard is committed to providing products and services that will exceed expectations. If you are not completely satisfied, you can receive a refund of the cost, minus the service fee. Requests must be submitted to Travel Guard in writing within 15 days of the effective date of the coverage, provided it is not past the original departure date. Not applicable to residents of the state of New York.
Source: travelguard.com

Medical Services Plan of B.C.

If you have already completed an application and are currently receiving Regular Premium Assistance, you do not need to apply again for January 2017. Applications for Regular Premium Assistance include a declaration of consent for Health Insurance BC to verify annual income with the Canada Revenue Agency. If you submitted a signed and completed application form and are currently receiving Regular Premium Assistance, you do not need to re-apply. We will assess your eligibility and adjust your premium rate accordingly as of Jan. 1, 2017.
Source: bc.ca

Dean Clinic, Dean Health Plan, Dean Foundation

Online Member Guide Premium Payments Member Benefits Document Center Pharmacy Services & Programs State Employee Members Medicare Members BadgerCare Plus Members Living Healthy Program All Member Resources
Source: deancare.com

Fidelis Care Online Medicare Application

Posted by:  :  Category: Medicare

Unknown Error At this time, Fidelis Care does not offer any Medicare plans in the chosen county. You must select a plan before you can continue. You must select a month to begin coverage. “First Name” is required. “Last Name” is required. “Title” is required. “Birth Date” must be in a valid format. “Birth Date” is invalid. Please verify the information entered and correct any mistakes. “Gender” is required “Home Phone No.” is required. “Home Phone No.” is invalid. Please verify the information entered and correct any mistakes. “Email Address” is invalid. Please verify the information entered and correct any mistakes. “Street Address” is required. “City” is required. “State” is required. “Zip Code” is required. “Emergency Email Address” is invalid. Please verify the information entered and correct any mistakes. “Emergency Phone No.” is invalid. Please verify the information entered and correct any mistakes. “Medicare Name” is required. “Medicare Claim No.” is required. “Medicare Claim No.” is invalid. Please verify the information entered and correct any mistakes. “Medicare Gender” is required. “Medicare Hospital (Part A)” must be in a valid format. “Medicare Hospital (Part A)” is invalid. Please verify the information entered and correct any mistakes. “Medicare Medical (Part B)” must be in a valid format. “Medicare Medical (Part B)” is invalid. Please verify the information entered and correct any mistakes. “Medicare Drug (Part D)” is invalid. Please verify the information entered and correct any mistakes. “Zip Code” is invalid. Please verify the information entered and correct any mistakes. “Mailing Zip Code” is invalid. Please verify the information entered and correct any mistakes. “Social Security No.” is invalid. Please verify the information entered and correct any mistakes. You must select a premium payment option. You must read the disclaimer and check the email confirmation box. Question 1 is required. Question 2 is required. You must enter name, ID number and group number for any addtional drug coverage. (Question 2) Question 3 is required. Unfortunately you are ineligible for Medicare Advantage and cannot proceed with the application. For more information, please call 1-888-FIDELIS (1-888-343-3547). You have selected Dual Advantage Flex, this requires you to be enrolled in a State Medicaid Program. Question 4 is required. You must enter Medicaid number. (Question 4) Medicaid number is invalid. Please verify the information entered and correct any mistakes. Question 5 is required. You must make a choice on choosing a provider. Please choose one of the three provided options. Provider information is required. Please use the search tool to locate a provider. No plans available for the chosen year. Thank you! Your application has been submitted. Here is your confirmation number: You must choose one of the senarios that best describes your situation. You must provide a description for your situation. Name is required Phone Number is required Relationship to Enrollee is required Address is required City is required State is required Zip is required Sales Rep. is required. Please select at least one option from the reasons for enrollment. Please enter a valid date for all fields requiring one.
Source: fideliscare.org

Medicare Advantage and Long

Fully Integrated Duals Advantage (FIDA), (Medicare-Medicaid Plan [MMP]). Fidelis Care FIDA Plan is a managed care plan that contracts with both Medicare and the New York State Department of Health (Medicaid) to provide benefits of both programs to Participants through the Fully Integrated Duals Advantage (FIDA) Demonstration.
Source: fideliscare.org

New York Medicare Advantage Plans with Part D (Prescription Drug) Coverage

The plans below offer Medicare Advantage and Part D coverage to New York residents. Medicare Advantage plans, also known as Medicare Part C, are alternatives to original Medicare. These plans help cover the costs of services provided by hospitals, doctors, lab tests and some preventive screenings. These plans’ Part D component helps cover prescription drugs. Even if a plan’s monthly premium is $0, you would still pay the equivalent of the original Medicare premium. Not all plans shown here will be available to you; enter your zip code to see plans in your area. You can read about whether Medicare Advantage is right for you. If you only want plans with drug coverage, browse Prescription Drug (Part D) Plans.
Source: usnews.com

ConcertoHealth, Inc. (Formerly Fidelis SeniorCare) Launches Transition to Focus on Dual

About ConcertoHealth ConcertoHealth Inc. has more than a decade of experience caring for the Medicare, Medicaid, frail and complex medical needs patient populations. The company addresses critical vulnerabilities for patients and health plans alike: expanded access to personalized primary care, chronic condition management and coordination of transitions between care settings. Through its ConcertoHealth Medical Centers, the company provides healthcare services where and when they’re needed, delivering primary care and care coordination regardless the location — be it clinic, home, hospital or post-acute settings. The company is headquartered in Irvine, Calif. For more information, please visit www.concertohealthcare.com.
Source: marketwired.com

MVP HEALTH CARE Medicare Advantage Plans with Part D (Prescription Drug) Coverage

The following MVP HEALTH CARE plans offer Medicare Advantage and Part D coverage to New York residents. Medicare Advantage plans, also known as Medicare Part C, are alternatives to original Medicare. These plans help cover the costs of services provided by hospitals, doctors, lab tests and some preventive screenings. These plans’ Part D component helps cover prescription drugs. Even if a plan’s monthly premium is $0, you would still pay the equivalent of the original Medicare premium. Not all plans shown here will be available to you; enter your zip code to see plans in your area. You can read about whether Medicare Advantage is right for you. If you only want plans with drug coverage, browse Prescription Drug (Part D) Plans.
Source: usnews.com

Physicians for a National Health Program

Posted by:  :  Category: Medicare

Business owner Richard Master knows firsthand how the dysfunctional U.S. health care system punishes not only patients, but also employers who are forced to spend more and more to insure their workers. His documentary, “Fix It,” makes a strong business case for addressing this festering problem, and includes interviews with many PNHP members. A trailer for the film can be accessed above, or you can view the full version for free by visiting the “Fix It” website.
Source: pnhp.org

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

Posted by:  :  Category: Medicare

"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 Supplemental Insurance

The first step is to understand Original Medicare and how Medicare supplemental insurance can protect you from the “gaps” in coverage. You need to learn how Medicare supplemental insurance is designed to protect you from expensive doctor and hospital bills. You can learn all about Original Medicare and Medigap policies in the About Medicare section of our web site. Second, you should request quotes from top quality insurers who offer Medicare supplement insurance coverage. After receiving no obligation quotes from at least three trusted insurance companies you should compare the plans using the plan guide in the Plans section of our site or have a professional help you. When you are ready to find a Medicare supplemental health insurance plan that is right for you and compare no obligation quotes for Medigap enter your zip code at the top of the page and we will quickly assist you. Finally, you can apply with online forms and receive priority processing and personalized care or speak to one of our Medicare specialists who can help you.
Source: mymedicaresupplementinsurance.com

Free Medigap Quote & Compare Medigap Plans!

We are committed to helping Americans, such as yourself, confidently choose the best Medigap plan. Our licensed insurance agents are paid a flat commission rate on all insurance carriers so that we can deliver 100% unbiased recommendations on the best insurance solution based on your unique health needs.
Source: gomedigap.com

Compare Medicare Supplement Insurance Plans

Every Medicare supplemental plan must follow federal and state laws designed to protect you. Medicare supplement plan insurance companies can only sell you a “modernized” Medicare supplemental plan identified by letters A through N. Each modernized Medicare supplemental plan must offer the same basic benefits, no matter which insurance company sells it.
Source: medicaresupplementplans.com

Compare Medigap Insurance Plans

Enter your ZIP code to compare quotes from top insurance companies on Medigap.com. Prices vary from company to company, so shop around for the best prices. Medicare supplement insurance is available in up to 10 standardized insurance plans. Each plan is named with a letter of the alphabet. In Massachusetts, Minnesota and Wisconsin there are different standardized plan options available.
Source: medigap.com

Compare Medicare Supplement Rate for Best Medigap Insurance Plan

And what’s better is that since Medicare Supplement Insurance is standardized from one Medicare Supplement insurance company to the next, you can get the exact same or even better coverage for lower Medigap rates. But who has time to shop dozens of Medigap (Medicare Supplement) insurance companies?  Even more, why would you want to deal with the loads of information that they send you (that is more confusing than it is helpful) or with salespeople that want to come to your home and pressure you to buy what their Medigap insurance company is paying them to sell (not what’s necessarily best for you.)  Well the good news is that you no longer have to.  With one simple phone call to Medigap 360 you will talk to a licensed Medicare Supplement Insurance Specialist.  He or she will be able to help you choose the right Medicare Supplement Plan and ensure that you are saving money and paying fair and lower Medigap Insurance rates.
Source: medigap360.com

UTAH Medicare Supplement (Medigap) Insurance Comparison

All plans are available to Medicare recipients on a guaranteed issue basis if the individual is age 65 and already on Medicare Plan B and requesting the coverage within 6 months of turning age 65; or, age 65 or older and within the 6 month period after signing up for Medicare Part B. Certain individuals could also be eligible for guaranteed issue of Plans A, B, C, F, K or L when losing other coverage.
Source: utah.gov

Social Security (United States)

Posted by:  :  Category: Medicare

Due to changing needs or personal preferences, a person may go back to work after retiring. In this case, it is possible to get Social Security retirement or survivors benefits and work at the same time. A worker who is of full retirement age or older may (with spouse) keep all benefits, after taxes, regardless of earnings. But, if this worker or the worker’s spouse are younger than full retirement age and receiving benefits and earn “too much”, the benefits will be reduced. If working under full retirement age for the entire year and receiving benefits, Social Security deducts $1 from the worker’s benefit payments for every $2 earned above the annual limit of $15,120 (2013). Deductions cease when the benefits have been reduced to zero and the worker will get one more year of income and age credit, slightly increasing future benefits at retirement. For example, if you were receiving benefits of $1,230/month (the average benefit paid) or $14,760 a year and have an income of $29,520/year above the $15,120 limit ($44,640/year) you would lose all ($14,760) of your benefits. If you made $1,000 more than $15,200/year you would “only lose” $500 in benefits. You would get no benefits for the months you work until the $1 deduction for $2 income “squeeze” is satisfied. Your first social security check will be delayed for several months—the first check may only be a fraction of the “full” amount. The benefit deductions change in the year you reach full retirement age and are still working—Social Security only deducts $1 in benefits for every $3 you earn above $40,080 in 2013 for that year and has no deduction thereafter. The income limits change (presumably for inflation) year by year.
Source: wikipedia.org

The United States Social Security Administration

Disability is unpredictable and can happen to any person, at any age. Millions of Americans live with disabilities that are the result of a sudden traumatic event or onset of a serious medical condition. Social Security disability benefits protect you…
Source: ssa.gov

Benefits for People with Disabilities

The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program.
Source: ssa.gov

Public Opinions on Social Security

With more than 59 million people receiving Social Security benefits, Americans recognize that Social Security is a critical program. Large majorities of Americans say they don’t mind paying Social Security taxes because of the security and stability the benefits provide to millions of retired Americans, disabled individuals, and children and widowed spouses of deceased workers. These findings hold true across party lines (those agreeing include 87% of Democrats, 81% of Independents, and 72% of Republicans). Americans are also willing to pay for Social Security because they value it for themselves (73%) and their families (73%).
Source: nasi.org

Social Security Disability Insurance (SSDI)

It is important to make your intent to file a claim known to the Social Security Administration (SSA) if you even suspect that you might be permanently disabled. This is because your protective filing date will be determined by when you first notified the SSA of your intent to file. There is nothing lost if you file an intent to claim Social Security Disability but then don’t need to actually file for SSDI because your condition improves, but you could lose out on a considerable amount of back pay if you don’t make your intent to file known when you are first injured or otherwise disabled.
Source: disabilitybenefitscenter.org

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

Posted by:  :  Category: Medicare

"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 Supplemental Insurance compare rates and view plans

We provide Medigap / Medicare Supplemental Insurance to all seniors throughout the United States of America. Use our website to view and compare rates of multiple plans without entering any personal information. Our Medicare Supplemental Insurance comparison chart is a great tool to aid you in identifying the best Medigap Supplemental Insurance carrier to meet your needs. Once you have identified a Medicare Supplemental Insurance plan, you can either print out a Medicare Supplemental Insurance application, or call one of our professional agents to help guide you through your Medigap Insurance application.
Source: seniorhealthdirect.com

Free Medigap Quote & Compare Medigap Plans!

We are committed to helping Americans, such as yourself, confidently choose the best Medigap plan. Our licensed insurance agents are paid a flat commission rate on all insurance carriers so that we can deliver 100% unbiased recommendations on the best insurance solution based on your unique health needs.
Source: gomedigap.com

Shopping For Medicare Supplemental Insurance

Health insurance from an employer, professional organization, government or military retiree plans. If you remain employed after your 65th birthday, you may be able to continue your group health insurance with your employer and may not need a Medicare Supplement insurance policy. Likewise, if you become eligible for Medicare but are covered by your working spouse’s health insurance, you may not need a Medicare Supplement Insurance policy. Retirees with group health plans from their employers may consider switching to individual Medicare Supplement insurance policies. If you are in this situation, it is important to review each option before making a decision.  Group retiree plans may not cost anything, or the cost may be lower than buying an individual Medicare Supplement insurance policy.
Source: vermont.gov

Medicare Supplemental Insurance by 1

 A Medicare Supplement Plan, or Medigap, is a type of medicare health insurance that is sold by private insurance companies and is specifically designed to help you by filling in the “gaps” of Original Medicare. In order to purchase a Medigap plan you must be enrolled in Medicare Part A and B, and you will continue to pay your monthly Part B premium. You would then pay your Medigap premium and as long as your premium gets paid you will have the benefit of guaranteed renewable coverage. What this means is that the insurance company cannot cancel your policy.   There are several different plan types available to consider, but it is important to note that Medigap policies are “standardized.” This means that they are required to abide by the Federal and State laws that are put in place to protect you. The standardized policies must provide you with the same benefits no matter what company sells them and generally the only difference from company to company, if it is the same plan type, is the cost. Many couples would like to be covered under the same policy, but you and your spouse must each purchase your own individual policies. In some instances you might be allowed to purchase a Medicare Supplement plan that is guaranteed issue without any medical underwriting! This means that you cannot be denied coverage. 
Source: youandmedicare.com

Medicare Supplemental Insurance Plans

Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company. If you’re considering a Medicare supplement plan, talking to an agent/producer may offer the direct assistance you’re looking for.
Source: aarpmedicaresupplement.com