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

Compare Medicare Advantage Plans

If you are under age 65 and you receive Social Security disability, you qualify for Medicare in the 25th month after you begin receiving your Social Security benefits.  You may enroll in a Medicare Advantage plan three months before your month of eligibility, during the month of eligibility, and three months after the month of eligibility. For example, if your Medicare Part A and B coverage begins in May, your Medicare Advantage IEP is February through August.
Source: clearmedicaresolutions.com

Medigap vs. Medicare Advantage Plan

Medicare Advantage comprises a variety of private health plans — most often HMOs and PPOs — that Medicare offers as a coverage alternative to the traditional program. Every plan must cover all the same benefits that traditional Medicare covers. But the plans can charge different copayments (often lower than the traditional program but not always) and offer extra benefits. Most charge a monthly premium in addition to the Part B premium, but some don’t. Most include prescription drug coverage at no additional cost. Some cover routine hearing and vision services, usually as a separate package for an additional premium. All plans, by law, have annual limits on out-of-pocket costs. Another difference from the traditional program is that most plans require you to go to doctors and other providers within their service network or pay higher copays for going out of network.
Source: aarp.org

Getting started with Medicare

Posted by:  :  Category: Medicare

There are 2 main ways to get your Medicare coverage— Original Medicare or a Medicare Advantage Plan (like an HMO or PPO). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Learn about these coverage choices and 3 steps to help you decide how to get your coverage.
Source: medicare.gov

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

Learn What to do If you Already Have Medicare Health Coverage

Yes. Coverage from an employer through the SHOP Marketplace is treated the same as coverage from any job-based health plan. If you’re getting health coverage from an employer through the SHOP Marketplace based on your or your spouse’s current job, Medicare Secondary Payer rules apply.
Source: healthcare.gov

How Long Does It take to Get Medicare Coverage Through Social Security Disability (SSD)?

However, your onset date for payment purposes can only be 17 months before your application date—that’s because Social Security allows a maximum of 12 months of retroactive benefits. (This maximum gets you to 12 months before your application date, plus five months for the waiting period, so your earliest your effective onset date can be is 17 months before the application date.) In this case, the earliest that you can become eligible for Medicare is one year after you apply for Social Security disability. But for disability applicants who apply for benefits only when they become disabled, and not before, the date that their Medicare coverage will start is more likely to be two years and five months after they apply for disability.
Source: disabilitysecrets.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

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

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

How to Get the Most out of Medicare

Your first big decision after enrolling in Medicare will be whether to stick with original Medicare plus a Medigap supplemental plan—or get your Medicare benefits through a private Medicare Advantage plan. We lay out the advantages and disadvantages of both options so you can choose the right one for you.
Source: consumerreports.org

Which Medicare Supplement is the best?

Coverage: Do you want more cost sharing for lower premiums or do you want a policy that covers all the deductibles, coinsurance and copays that are left for a Medicare beneficiary to pay.  A Medigap Plan F is the most comprehensive plan on the market and usually will be the most expensive plan available, but it does provide security that any catastrophic incidents would be covered.
Source: medicareinsurancefinders.com

Medicare Supplemental Insurance — Which policy is best?

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

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

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

How to compare Medigap policies

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

Guide to Medigap policies

If you are confused about Medigaps, how to enroll, or what policy is best for you, contact your State Health Insurance Assistance Program (SHIP). You can find the number for your SHIP by visiting www.shiptacenter.org. For additional information on Medigap policies in your state, you can also contact your State Department of Insurance.
Source: medicareinteractive.org

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

Medicare Part D Plans and Drug Price Changes

Premiums for Medicare Part D prescription drug plans will increase in 2017 by an average of 4.6 percent — the largest jump in several years — but experts say that you should look beyond premiums and pay close attention to the copays you’ll be charged for drugs. Some people will see huge price increases for certain drugs if they stay with their current plan, according to an AARP Bulletin analysis. For example, one plan that charged $7 a month for a generic drug this year will charge a whopping $352 a month for the same drug after Jan. 1.
Source: aarp.org

2017 Medicare Part D Prescription Drug Plans: Overview by State

Choose your State from the list below for an overview of the Medicare Part D Prescription Drug Plans available in 2017. Select your state below or choose from one of these links to other tools available to review 2017 Medicare Part D Plans:
Source: q1medicare.com

Medicare Part D Prescription Drug Plans

Make sure the drugs you need are on the plan’s drug list, called its formulary. A drug plan won’t help pay for medicines that aren’t on its list. Check the details carefully. Even if a drug is on the formulary, look closely to make sure it’s covered at the dose and amount you need. Also, look to see if you must get your doctor’s approval before the plan will pay for the medicine.
Source: webmd.com

Medicare Eligibility, Age, Qualifications And Requirements

Posted by:  :  Category: Medicare

You can also qualify for premium-free Part A benefits on your spouse’s work record if he or she is at least age 62 and you are at least age 65. You also may qualify on the work record of a divorced or deceased spouse. Following the Supreme Court’s 2015 ruling, people in same-sex marriages can qualify for Medicare on their spouse’s work record, regardless of where they live or where they were married.
Source: aarp.org

How to Qualify For Medicaid and CHIP Health Care Coverage

If your state has not expanded Medicaid: You may qualify based on your state’s existing rules. These vary from state to state and may take into account income, household size, family status (like pregnancy or caring for young children), disability, age, and other factors. Because each state and each family situation is different, there’s no way to find out if you qualify without filling out an application.
Source: healthcare.gov

What Are The Requirements To Qualify For Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States. If you aren’t yet 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant). Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if: You already get retirement benefits from Social Security or the Railroad Retirement Board. You are eligible to get Social Security or Railroad benefits but haven’t yet filed for them. You or your spouse had Medicare-covered government employment. If you are under 65, you can get Part A without having to pay premiums if you have: Received Social Security or Railroad Retirement Board disability benefits for 24 months. End-Stage Renal Disease and meet certain requirements. While you do not have to pay a premium for Part A if you meet one of these conditions, you must pay for Part B if you want it. The Part B monthly premium in 2013 is $104.90 per month. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months. Note: You will be eligible for Medicare when you turn 65 even if you are not eligible for Social Security retirement benefits.
Source: insurancelibrary.com

Health Insurance, Medical Insurance, Free Online Insurance Quotes, Affordable Individual, Group, Family Plans

Posted by:  :  Category: Medicare

HealthInsurance.com offers a wide variety of health plans including individual and family health insurance, group health insurance, HMOs, PPOs, POS, Indemnity plans, short-term health insurance plans, dental health insurance, and international travel health insurance. Popular health insurance companies such as Blue Cross and Blue Shield, Anthem, Aetna, Humana, Golden Rule Insurance Company, HealthNet, Assurant, Celtic, Unicare, Kaiser and PacifiCare Life and Health Insurance Company offer the plans we feature.
Source: healthinsurance.com

Health Insurance Plans for Individuals & Families, Employers, Medicare

UnitedHealthcare offers health insurance plans to meet the needs of individuals and employers. Plus we offer dental, vision and many other insurance plans to help keep you and your family healthy. 
Source: uhc.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

Your Medicare coverage choices

There are 2 main ways to get your Medicare coverage— Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Use these steps to help you decide what coverage you want:
Source: medicare.gov

Health Insurance, Medicare Insurance and Dental Insurance

At Humana, we go beyond insurance. We help provide a roadmap to a healthier you. By taking a personalized look at your life and your health, we can help you find the perfect plan and achieve your goals. Start becoming your best you. Start with healthy.
Source: humana.com

List of Medicare Supplement Insurance Companies

This section provides a summary listing of all medicare supplement insurance policy plans (A, B, C, D, F, High Deductible F, G, K, L, M, N) that are available by the respective company. The report lists the companies that offer medicare supplement insurance policy plans for individuals under 65 years of age and over 65, along with the company’s reported comments (restrictions) and consumer contact information (i.e. consumer service phone number, customer service email, and web address). 
Source: ca.gov

Health Insurance Plans for Individuals & Families, Employers, Medicare

UnitedHealthcare offers health insurance plans to meet the needs of individuals and employers. Plus we offer dental, vision and many other insurance plans to help keep you and your family healthy. 
Source: uhc.com

Medicare Advantage and Dual Advantage

Posted by:  :  Category: Medicare

or those that reside in the following counties: Albany, Allegany, Bronx, Broome, Cattaraugus, Cayuga,  Chemung, Chenango, Clinton, Columbia, Cortland, Delaware, Erie, Essex, Franklin, Fulton, Greene, Hamilton, Herkimer, Kings, Lewis,  Montgomery, Nassau,  New York, Niagara, Oneida, Onondaga, Orleans, Otsego, Oswego, Queens, Rensselaer, Richmond, St. Lawrence, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Suffolk, Tioga, Warren, Washington, Wyoming, and Yates Counties.
Source: fideliscare.org

Fidelis Care Online Medicare Application

If you are applying to a Fidelis Dual Advantage program, an additional form will need to be signed by you and sent to your county. After you have completed the Medicare Advantage application, we will contact you to have the additional form signed. Fidelis Care will be unable to submit your application to Medicare until you return the signed Medicaid Advantage form to Fidelis Care.
Source: fideliscare.org

Fidelis Medicare Advantage Flex (HMO) for Niagara County, NY

The MedicareWire.com website is available for educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help consumers research and compare:Fidelis Medicare Advantage Flex for Niagara County, NY, 2017 HMO Medicare Advantage Plan, ratings, benefits, premiums, co-pays, deductibles…
Source: medicarewire.com

Fidelis Medicare Advantage Flex (HMO) for New York County, NY

The MedicareWire.com website is available for educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help consumers research and compare:Fidelis Medicare Advantage Flex for New York County, NY, 2017 HMO Medicare Advantage Plan, ratings, benefits, premiums, co-pays, deductibles…
Source: medicarewire.com

Things to know about Medicare Advantage Plans

Medicare Advantage Plans have a yearly limit on your out-of-pocket costs for medical services. Once you reach this limit, you’ll pay nothing for covered services. This limit may be different between Medicare Advantage Plans and can change each year. You should consider this when choosing a plan.
Source: medicare.gov

Fidelis Care Online Medicare Application

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