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 good 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.
Your 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
1. 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.
2. 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.
Beware of Medicare Insurance Agents who tell you ONLY the Good and NOT the Bad
Beware of former football players and coaches 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 if the person works exclusively for one insurer, you could be stuck for a whole year with a policy that’s inappropriate for you. Now, the really bad news, - not only being stuck with a bad policy for a whole year that's inappropriate but also you may NOT be eligible to switch to a Medicare Supplement policy the following year if you have developed health issues.
There are many Medicare insurance agents who can sell you a Medicare Advantage policy with a "0" premium. The insurance company and agents make a lot of commission. An agent makes more than twice the commission on a new Medicare Advantage enrollee as they do with a Medicare Supplement. You may be stuck with a Medicare Advantage for your entire life because the ONLY time you can enroll in a Medicare supplement policy without answering medical questions is when you're turning 65 or enrolling in Medicare Part B for the first time.
As you grow older, a "0" premium plan may not provide you the protection you really want and need when it really counts - at claim time. You should carefully get accurate information about coverage and delivery options offered by the "0" premium plans. Don't be fooled or mislead by the "extra benefits" offered by Medicare Advantage plans. IMPORTANT: If you enrolled in a Medicare Advantage Plan and would like to switch back to Original Medicare, we can help you SWITCH.
Why Many Medicare Experts and Consumer Advocates - Don't Like 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". A few years ago, UnitedHealthcare dismissed thousands of physicians from their Medicare Advantage networks, sometimes telling their patients before telling their physicians.
Ralph Nader, a consumer advocate, lawyer, and author, said "Medicare Disadvantage would be a more accurate name for the programs, as insurance companies push to corporatize all of Medicare, yet keep the name for the purposes of marketing, deception, and confusion. The advertisements for Medicare Disadvantage 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. Medicare beneficiaries that enroll in a Medicare Advantage will experience its often merciless denials when they get sick. AARP reportedly receives a commission for new enrollees on top of the premiums seniors pay for a Medicare policy from United Healthcare," writes Nader. "This money—about seven hundred million dollars a year—is a significant portion of AARP’s overall budget." Good Morning America - Beware of Medicare Advantage Plans
Eleanor Laise, the senior editor of Kiplinger’s Retirement Report, said, “the evidence on health care access and quality decidedly favors Original Medicare over Medicare Advantage, according to a Kaiser Family Foundation review of 40 studies published between 2000 and 2014.” Most Medicare beneficiaries don't realize they are automatically dis-enrolled from Original Medicare when they enroll in a Medicare Advantage. Beware of former football players and celebrities on TV with sales pitches for enrolling in Medicare Advantage-related insurance.
Medicare Rights, a national nonprofit 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. Good Morning America - Beware of Medicare Advantage Plans
Joseph Kelly, the former President of the America Senior Citizens Association, said "we have received an increasing number of calls from Medicare beneficiaries who enrolled in a Medicare Advantage plan without fully understanding the impact of their decision. These plans promise big savings and better benefits but there are some really serious concerns. There are network restrictions, prior approval requirements, and you are automatically dis-enrolled from Original Medicare. Plus, you can NOT use your red, white, and blue Medicare card".
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, though that is how they are often presented by insurance agents. Don't be fooled. Get the facts. Good Morning America - Beware of Medicare Advantage Plans
Your Best Choice - Medicare Supplement Insurance
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.
Plan G and Plan G High Deductible are Two Popular Medicare Supplement Plans
Plan G and Plan G High Deductible are two popular Medicare Supplement Plans. Both plans cover 100% of the same Medicare benefits! The ONLY difference is the PRICE and DEDUCTIBLE. Plan G has a calendar-year policy deductible of $198 (2020) and Plan G High Deductible has an annual policy deductible of $2,340 (2020). Plan G and Plan G High Deductible provide choice, control, freedom, flexibility, and great value for your healthcare needs. Plan G High Deductible premium rates are as low as $30.00 per month. Compare Plan G and Plan G High Deductible Rate Online Instantly.
Plan G High Deductible - A Great Alternative to a Medicare Advantage
Plan G High Deductible is a great low-cost alternative to a Medicare Advantage. Plan G High Deductible premium rates are as low as $30.00 per month. The plan provides choice, control, freedom, flexibility, and great value for your healthcare needs. It is a great value now and for the future for your healthcare needs. We can help you compare the leading Medicare supplement companies in your area. You can also compare the premium rate, financial rating, and household premium discounts ONLINE for the plans in your area. Compare Plan G and Plan G High Deductible Rate Online Instantly.
Plan G High Deductible - A Great Cost-Sharing Plan
Plan G High Deductible is a great cost-sharing plan. The concept of cost-sharing means you share in the cost of your medical care along with your insurance company. In exchange, you pay lower policy premiums. So, if you’re relatively healthy and can afford to pay a portion of your health care costs, Plan G High Deductible may the right fit for you. If you don’t anticipate needing a lot of health care services, Plan G High Deductible has the potential to lower your overall costs. You pay a lower premium for your Medicare supplement policy. And out-of-pocket costs for deductibles, coinsurance and copayments are based on your actual health care usage. 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. See What Our Senior Friends are Saying
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. There is NO COST to you for our services.