Medicare Supplement Insurance fills in the "gaps" left by Original Medicare by paying for things such as copayments, deductibles, and coinsurance. A high deductible choice is available with some Medicare Supplement policies. The premiums for high-deductible Medicare Supplement Plans are lower than those for regular plans, but the coverage threshold is higher. If the premium…
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What is Medicare Supplement Plan Underwriting?
Medical underwriting is a process health insurance companies use to decide how risky you are to insure and how much your premium should be. If you’re eligible for Medicare and want to also add a Medicare Supplement Plan to your Original Medicare coverage, the private insurance company you choose may require you to go through…
Reasons to Work With A Medicare Agent
You can technically enroll in Medicare and Medicare products on your own. You can do all your own research on Medicare, Medicare Advantage, and Medicare Supplement Plans. Or you can look into all of the providers available. You can even search for quotes for these plans on your own. However, is this the best way…
Medicare Supplement Plan G vs Plan F
Original Medicare, which is made up of Medicare Parts A and B, pays for a portion of the health care services you may need. However, it does not cover the cost of everything, and you may have to pay some things out of pocket. Thankfully, Medicare Supplement plans can help with this. These plans fill…
Medicare Supplement Vs. Medicare Advantage
Part A (hospital insurance) and Part B (medical insurance) pay for a lot of your healthcare needs, but they are not able to cover everything. Before your insurance kicks in, you'll have to pay a deductible. After that, you'll have to pay other fees, like coinsurance, which is a percentage of certain costs. Also, Original…
How To Maximize Your Medicare Budget
Medicare is an essential program for seniors over 65, however, many of its benefits are underutilized or misunderstood. Consider the annual “wellness” visit. During which a physician will assess your health risks, take your blood pressure and other routine measurements, test for cognitive impairment, and provide personalized health advice. It’s Free! Nonetheless, a surprising number…
Most Common Medicare Mistakes
Medicare is the nation’s health insurance program for seniors 65 and older. It also provides coverage for younger people who meet specific eligibility criteria. Medicare Parts A, B, C, and D cover a large variety of your major medical expenses. It’s a great program but it can be difficult to read through all of the…
Medicare Myths Debunked
Your Initial Enrollment Period (IEP) is an important time if you're considering your Medicare options. It’s natural that everyone has their own opinions regarding Medicare and the best coverage. While advice from family and friends can be helpful, when it comes to Medicare, there are a lot of myths passed around. Maybe you’ve come across…
Everything You Need To Know About Premiums & Deductibles
There are a lot of moving parts involved in health insurance. As well as a lot of terminology to learn in order to understand your plan and its costs. Two of the most important terms to understand are premiums and deductibles. These are the two out-of-pocket expenses associated with your health insurance plan that will end…
Will Medicare Cover Your Home Health Care?
Americans spent more than $129.1 billion on home health services in 2022. With home health care being so expensive it’s important to have all of the facts. For example, if you’re on Medicare and the need arises for home health care, will you be covered? What services will be covered? What won’t be covered? All of…
Medicare Part B Premiums to Drop 3% Next Year
The government has finally announced the new standard monthly premiums for Medicare Part B. And after all the speculation about rate hikes, rates will actually be decreasing a little bit next year. Not only that, but the annual deductible for Medicare Part B will also be lower next year. With many Medicare beneficiaries struggling with…
Have Pre-Existing Conditions? Your Guide to Getting a Medicare Supplement Plan
Having a pre-existing condition used to be a serious problem for people looking for health insurance. Fortunately, the passage of the Affordable Care Act in 2010 changed that for people purchasing private insurance. But what about Medicare beneficiaries? Medicare Parts A and B cover anyone who paid into these programs, but what about Medicare Supplement…
Missed the AEP? Find Out What You Can Do
If you’re a Medicare beneficiary, you have a few opportunities throughout the year to enroll in, change, or drop your Medicare plan. One of the opportunities to do so is the Medicare Annual Enrollment Period (AEP) which runs from October 15th to December 7th. Because this period is such a short amount of time, many…
Is Medicare at 60 Coming?
President Biden has been on a mission to reduce the age of Medicare enrollment to 60. During the 2020 election, he mentioned numerous times the importance of lowering the Medicare eligibility age to 60 as part of his healthcare reform platform. The reasoning behind lowering the age is that doing so will provide healthcare to…
The AEP Is Almost Over! Have You Done Everything You Need to Do?
The Medicare Annual Enrollment Period (AEP) is the time to review your current plan and ensure it will still work for you for the coming year. But the AEP ends December 7, leaving you with a little less than a week to make any changes to your Medicare plan. Before this time is over, it…
Top 2023 Medicare Supplement Plans
Medicare Supplement Plans are a popular go-to for Medicare beneficiaries because they help save a lot of money on out-of-pocket costs. Since we are in the middle of the Medicare Annual Enrollment Period (AEP), you might be looking into a Medicare Supplement Plan for just that reason, and you might be wondering what your best…
What Medicare Part A’s Belly-Up Date Means for You
According to the June 2022 Medicare trustees report, the Medicare Hospital Insurance trust fund will run out of money in 2028 if things continue at their current pace. If this trust fund is depleted, and Medicare does go “belly up”, the program will not have enough revenue to cover all of its operating costs. This…
Do’s And Don’ts for Medicare’s Annual Enrollment Period
Medicare’s Annual Enrollment Period (AEP) has begun, and it will be over before you know it: it ends on December 15. This time period is your chance to enroll in or make changes to your Medicare plan, including your Part D prescription drug plan, for next year. It’s very important that you’re prepared and know…