Confused? Overwhelmed By Medicare?
Do You Know the Differences in Original Medicare, Medicare Advantage, Medicare Supplement, & Prescription Drug Coverage?
To make good decisions, you need the right information. It is very important for everyone eligible for Medicare to get accurate information about coverage and delivery options, including Original Medicare, Medicare Supplements, Medicare Advantage, and Prescription Drug Coverage. Attention to these issues will help you avoid serious and costly problems later. When you are fully informed, you feel more confident about taking action. And taking the right action is the key to protecting the quality of your healthcare in the coming years.
Medicare options can be difficult to understand, especially if you are turning 65 or enrolling in Medicare for the first time. If you feel like you are spinning your wheels, wondering how to make the best Medicare decision, you are in the right place. The good news is, you don’t have to do this alone.
Our Certified Medicare Advisors can be extremely helpful and can turn a confusing situation into a rather easy process. There are lots of insurance agents who can sell you a policy. But there are almost none offering the extensive back-end support and value-added benefits you will find with our Certified Medicare Advisors. See What Our Senior Friends are Saying.
Your Two Medicare Choices.
You have two Medicare choices for receiving your Medicare coverage. You can get your Medicare coverage through Original Medicare OR Medicare Advantage. Understanding the differences between Original Medicare and Medicare Advantage is the first step in getting the coverage that is right for you and protecting your healthcare now and in the future. Currently, 51 million beneficiaries are enrolled in the Medicare program. Enrollment is expected to rise to over 80 million by 2030. See Video on Your Two Medicare Choices.
- Original Medicare is a health insurance program run by the federal government. Under Original Medicare, the government pays healthcare providers directly for the services you receive. With Original Medicare, there are no network restrictions. That means you have the freedom to choose any doctor, specialist or hospital anywhere in the USA when you need care. When enrolled in Original Medicare you do not need to get prior approval, referral or permission from Medicare or from your primary care doctor when you need care.
- Medicare Advantage is a health insurance program run by private insurance companies contracted by Medicare. If you enroll in a Medicare Advantage Plan you will automatically be dis-enrolled from Original Medicare and you will NOT be able to use your red, white, and blue Medicare card. If you enroll in a Medicare Advantage Plan, there are network restrictions. This means you are required to see the healthcare providers in the Medicare Advantage network; plus, in most cases, you will need to get prior approval when you need care, except in case of an emergency.
Medicare Supplement Plans
By federal law, all Medicare Supplements are standardized and offer identical benefits from all companies. Medicare Supplement Insurance is offered by private insurance companies. Medicare supplement insurance covers some of the gaps not paid by Original Medicare Parts A and B. Plan G and Plan G High Deductible are two popular plans. With a Medicare Supplement, you have the freedom to choose any doctor, specialist or hospital anywhere in the USA when you need care. With a Medicare Supplement, you are protecting the quality of your healthcare NOW and in the FUTURE. Medicare supplement insurance provides choice, control, freedom, flexibility, and great value for your healthcare needs. With a Medicare Supplement, you don't have to worry about provider access problems, coverage denials for medical services, coverage denials for prescription drugs, limitations of the plan networks, limited treatment, and denials for advanced cancer treatment. For your information, a NEW Medicare supplement Plan G High Deductible is available for as low as $30 per month. Compare Plan G and Plan G High Deductible Rate Online Instantly.
Medicare Advantage Plans
A Medicare Advantage plan is a private health insurance plan approved by Medicare. You may opt to get your Part A, B and D benefits from a Medicare Advantage plan instead of traditional Medicare. Originally called Part C, these Medicare private insurance plans usually have an HMO or PPO network of doctors. Beware of insurance agents, celebrities, and football players on TV with sales pitches for enrolling in Medicare Advantage-related insurance. It happens every year during Medicare open enrollment: Older Americans’ mailboxes and TV screens fill up with sales pitches for enrolling in Medicare Advantage-related insurance. If you call the number on the ad, you’ll likely end up talking to a licensed insurance agent. The bad news is that you could be stuck for a whole year with a policy that’s inappropriate for you – not only being stuck with a bad plan for an entire year but also you may NOT be eligible to switch to a Medicare Supplement policy the following year if you develop health issues. Good Morning America - Beware of Medicare Advantage Plans
Due Diligence: Again, to make good decisions, you need good information. We want to make sure YOU do your "due diligence" on Original Medicare and Medicare Advantage so YOU can determine the right fit for YOU. Although some individuals may benefit from a Medicare Advantage, we want YOU to know why many Medicare Experts and Consumer Advocates DON'T LIKE Medicare Advantage Plans.
The Real Truth About Medicare Advantage Plans from Consumer Advocates- Beware
Ralph Nader, a consumer advocate, lawyer, and author said, “the advertisements for Medicare Advantage stress that you can sometimes get perks—gym memberships, hearing aids, eyeglasses, and home-delivered meals as enticements, but they AVOID telling you they are not so ready to cover serious needs for critically ill patients.” or even less serious needs like a broken back.” Good Morning America - Beware of Medicare Advantage Plans
Chris Cuomo, ABC News, said, “these plans are available in every state. However, Medicare Advantage plans are not the best fit for many Medicare beneficiaries. These plans promise big savings and better benefits, but there are some SERIOUS CONCERNS. Medicare beneficiaries who enrolled in a Medicare Advantage plan don’t fully understand the impact of their decision.”Good Morning America - Beware of Medicare Advantage Plans
Judy Gray, the former Outreach Coordinator for the Department of Insurance, said, “some Medicare insurance agents are providing BAD financial advice and misleading seniors into buying Medicare Advantage plans that are not accepted by many doctors and hospitals. Also, seniors don’t realize doctors and hospitals can opt-out of a Medicare Advantage plan at any time during the year.”
Medicare Rights Center, a national non-profit consumer service organization, said, “seniors don’t realize that Medicare Advantage plans have provider ACCESS PROBLEMS, coverage denials for medical services, COVERAGE DENIALS for prescription drugs, LIMITATIONS of the plan networks, limited treatment and denials for advanced cancer treatment including specialty facilities, hospitals, and cancer specialist referrals, agent marketing fraud, and erroneous claim by the insurance company that premiums have not been paid by the insured.”
American Cancer Society, a nationwide voluntary health organization dedicated to eliminating cancer said, “if you are diagnosed with cancer BEFORE scheduling any type of doctor’s appointment or test—you should first ensure that the healthcare providers you’ve chosen accept your Medicare advantage insurance plan. If they don’t, you may be required to pay some or all of their costs upfront”.
Kiplinger’s Retirement Report, said, “the evidence on health care access and quality care decidedly FAVORS Original Medicare over Medicare Advantage, according to a Kaiser Family Foundation review of 40 studies published between 2000 and 2017.”
Don’t Be Fooled by Medicare Advantage Plans
Beware of celebrities, insurance agents, and football players on TV with sales pitches for enrolling in Medicare Advantage-related insurance. It happens every year during Medicare open enrollment: Older Americans’ mailboxes and TV screens fill up with sales pitches for enrolling in Medicare Advantage-related insurance. If you call the number on the ad, you’ll likely end up talking to a licensed insurance agent. The bad news is that you could be stuck for a whole year with a policy that’s inappropriate for you – not only being stuck with a bad plan for an entire year but also you may NOT be eligible to switch to a Medicare Supplement policy the following year if you develop health issues
Safe, Secure and Easy Enrollment Process!
We have one of the most secure, safe and unique Medicare Supplement Rate Comparison and Quote Engines website. We offer you the security of discussing your needs with one of our Medicare Advisors, who have been approved, certified and authorized by the Association. You can compare premium rates, get a free quote online, apply online, submit an e-app online, apply by phone, apply by mail, or make an appointment online. FREE ONLINE MEDICARE SUPPLEMENT PREMIUM COMPARISON.
So Let's Get Started!
To make good decisions, you need good information. Asking questions can make the issues surrounding Medicare easier to understand. When you are fully informed, you feel more confident about taking action. And taking the right action is key to saving on healthcare costs. Selecting your Medicare coverage should be a simple and easy process, but unfortunately, in most cases, it’s not. We help simplify this process for you.
Our Certified Medicare Advisors have the knowledge and experience to help you compare your Medicare options. When you enroll with one of our Certified Medicare Advisors, you get value-added benefits such as help with your Medicare prescription drug plan; dental and vision protection. We will help you learn the major pitfalls to avoid and help you enroll in the plan of your choice.
We have been helping seniors enroll in Medicare plans for more than 40 years. Give us a try – we provide exceptional, straightforward no-hassle service. We consistently hear from our senior friends that our Medicare Advisors are the first people they have spoken with that have finally helped them make some sense out of Medicare. There is NO COST to you for our services. See What Our Senior Friends are Saying.