Modernized Medicare Supplements begin June 1, 2010!

Thank Goodness we now have some better choices for your Medicare Supplement Coverage. Many of you are getting rate increases on your Medicare Supplements.  Some of you are losing your coverage with your Medicare Advantage Plans and/or want to get off of them.

There are NEW plans now with NO UNDERWRITING, GUARANTEED ISSUE no matter what your health conditions.  You can still go to any doctor or hospital of your choice with no network to choose from.

Even though they don’t begin until June 1, you can go ahead and get your application.  Just fill out our worksheet online or give us a call today!    866-752-1795   We are so excited to be able to offer this to you!

How many of you feel confused about your Medicare benefits?  Well, join the crowd!!  I get so many emails everyday from people just like you who read this blog and wonder…am I getting the most for the money I spend on my Medicare coverage?

March 31st is the last day you can change from one Medicare Advantage Plan to another Medicare Advantage Plan.  After that you are stuck until the Annual Election Period which begins November 15 and ends December 31st of every year.

RED ALERT: If you joined a Medicare Advantage Plan within the past 12 months and do NOT like it, or you feel it does not meet your needs or that you were mislead by a salesperson or company, you can get OFF of the Medicare Advantage Plan within the first 12 months!!!  If you keep it longer…you may not be able to get on a Medicare Supplement because of the underwriting or health questions.   Call us to check on your options!

ORANGE ALERT:  If you are NEW TO MEDICARE and you joined a Medicare Advantage Plan and don’t like it, you are still within your open enrollment period and cannot be turned down because of health issues.  You can get back on Original Medicare which pays 80% of all doctor and hospital costs and take out a Medicare Supplement that pays the other 20%.  With a Medicare Supplement your only expense is your monthly premium.  There are NO co-pays, NO NETWORKS of doctors you must use.  You can go to any doctor or hospital of your choice! If you are NEW TO MEDICARE, PLEASE, PLEASE start out with a Medicare Supplement and Stand Alone Part D Plan.  We can help you!

GREEN ALERT: If you are losing your Retirement Plan Group Coverage and need to know what Medicare Supplement plans have the lowest premium, we also do a comparison of Medicare Supplement plans along with a comparison of the more than 50 different drug plans in your state!  You do NOT want to join a Medicare Advantage Plan!  All the Medicare Supplement plans include the same benefits…a Plan F is a Plan F, no matter what insurance company you buy it from.  The ONLY difference is the price they will charge you.  Why pay more?

The ugly truth of the matter is many Insurance Salespeople will try their best to get you to join a Medicare Advantage Plan because they get paid double the commission to do so!  Don’t fall for it!

So, that is the what’s up about the March Madness of Medicare!  Call our toll free number or go to the form on this page or go to www.MyPartDusa.com and fill out the form to get assistance.

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ARE YOU ON MEDICARE DISABILITY?

• What do you have to help you with your doctors and hospitals?

In some states, a Medicare Supplement may not be available to you based on the affordability, your eligibility, or your existing health conditions may prevent you from getting through underwriting.

You still need good affordable, quality health insurance, and a Medicare Advantage Plan may be best for you.  The only health condition that would prevent you from obtaining this valuable coverage is ESRD. (end-stage renal disease)

There are many different types of Medicare Advantage Plans, some would include your drugs, dental, and vision benefits.  For more information, please call the Medicare Advantage Plan enrollment center to talk with someone about all your options.

866-752-1795 – Advantage Plans

Please visit MyPartDusa.com for your Medicare Drug Plan Comparison.  We hope you find it helpful in making an informed decision for your 2010 drug plan selection.

As you all know our policy is that the best coverage is a Medicare/Medigap Supplement and stand alone drug plan.  However, for people on disability or who absolutely cannot afford the premium on these plans or they do not have a Supplement for disability available in their state…a Medicare Advantage Plan is the only option.

As I was watching yet another ad on TV for Medicare Coverage I came across another company who I cannot name but I think you know who I am referring to as the double A.  I do commend them often for their exceptional marketing techniques.  However, they were talking about and had the words MEDICARE SUPPLEMENT on the TV screen. I called the number and requested the information for Medicare Supplements ONLY!!

DO YOU KNOW WHAT I GOT?

Medicare Advantage Plan Information

Please beware….these companies will try absolutely anything to get you on a Medicare Advantage Plan.  Please read my other blogs in the catagory section on the left hand side of this blog under “Medicare Advantage Plans” about why you should not consider this option.

THOUGHT FOR THE DAY: When you are arguing with a fool, make sure he isn’t doing the same thing.

I know that everyone is so sick of all the Medicare commercials on TV.  We are ALL familiar with the Big H, I cannot say the name because they will have lawyers sending me letters.  I saw one this morning as I was getting ready to come into the office.  It had me in stitches…laughing, yet crying that these big insurance companies think Seniors and people on Medicare are so stupid.  Yet again, it also is simply criminal that they have made Medicare plans so confusing that we actually feel “stupid” when trying to get a drug plan comparison or decide between going with a Medigap/Medicare Supplement or a Medicare Advantage Plan.

This particular company actually had huge pieces of Swiss cheese to help us understand the “holes” in Medicare. The first piece of cheese had lots of holes in it showing what Original Medicare does not cover.  The second piece of cheese had less holes when you purchase a Medicare Advantage Plan, and the third piece of Swiss cheese only had one hole left for Part D drug coverage.  They were trying to help you understand that if you get their Medicare Advantage Plan that you will have NO HOLES IN YOUR MEDICARE PIECE OF CHEESE.

I WILL GIVE YOU A FEW MOMENTS TO STOP LAUGHING!

#1 – Original Medicare Parts A & B pay 80% of your doctor and hospital costs.  If you get a Medicare Supplement this covers the other 20%.

#2 - If you get a Medicare Part D drug plan comparison and choose a stand alone Part D plan you will have no more holes in your cheese.

The 2 options above are the only 2 things you need to have the best, most comprehensive, choice oriented coverage the Medicare system has to offer.

When you join a Medicare Advantage Plan you have no network of doctors or hospitals that may or may not take the coverage.  They aslo try to intice you with gym memberships, wellness care, dental care…etc….But, folks, THESE ARE JUST TEASER OPTIONS.  The actual benefits are not worth the risk you take in joining Medicare Advantage plans…….UNLESS

#1. You cannot afford the premium on a Medicare Supplement/Medigap plan

#2. You are disabled and there is no Medicare Supplement offered in your state or you cannot afford the premiums.

DON’T GET CAUGHT IN THE SMELL OF AN INSURANCE COMPANY CUTTING THE CHEESE ON YOU!

 A HUGE Thank You

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Family Business dvd goes out to all the great General Motors Retirees we met in Niles, Youngstown, and Lordstown, Ohio.  We had a really good meeting there.  The first person to speak was a local pharmacist who talked about how important it is to get a Part D drug comparison.  He also mentioned about buying your generics OFF your drug plan at Wal-Mart or another large retailer’s $4 list so you don’t go into the “dreaded donut hole” as quickly in 2009. 

The main thing we tried to get across was:

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DO NOT JOIN A MEDICARE ADVANTAGE PLAN FIRST!!!! Palindromes trailer The Man from Earth movie Stepfather II dvd

If you think you may want to try a Medicare Advantage Plan, join a Medicare Supplement first.  That way you will be buying yourself a “12 month security of choice guarentee”.  Medicare states that if you get off a Medicare Supplement to join a Medicare Advantage Plan and decide you don’t like the Medicare Advantage Plan FOR ANY REASON, YOU HAVE 12 MONTHS TO GET BACK ON YOUR SUPPLEMENT WITH NO UNDERWRITING OR HEALTH QUESTIONS ASKED.  If you join a MAP first you may be STUCK WITH IT, because you will have to go through underwriting and you will have no guarantee of coverage.

The Medicare Advantage Plans DO NOT TELL YOU THIS!!!!

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PLEASE MAKE SURE YOU TELL EVERYONE YOU KNOW ABOUT THIS VERY IMPORTANT INFORMATION.

You may ask yourself why some insurance agents are recommending Medicare Advantage Plans?  The commission earned on a Medicare Advantage Plan is more than double what they would get if they recommended a Medicare Supplement and a Stand Alone Part D Drug Plan, which is what the GM retirees really need!!!!  Many other agencies say that Medicare Advantage Plans are better than Original Medicare….BUT, they DO NOT compare Medicare Advantage Plans against Original Medicare combined with a Medicare Supplement and a Stand Alone Drug Plan!!!!  Read my other blogs on this topic.

We have been working with GM Retirees all over the country and we have had some great meetings.  They are so glad that someone out there is providing the best information available so they can make the best decision about their healthcare.  We thank you for all the kind words and appreciate the opportunity to assist you all with such a very important aspect of your retirement. 

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A Home at the End of the World movie If we didn’t answer all your questions in the meeting, please write to me and I will find an answer for you ASAP!!  IT WAS AN HONOR TO MEET EACH AND EVERY ONE OF YOU. Stand Up film

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QUESTION:  I am retired from American Airlines and they are cancelling our retirement health drug plan and I know the health coverage will soon follow.  I have been wondering what to do about choosing between a MEDICARE ADVANTAGE PLAN or a MEDICARE SUPPLEMENT.  Could you please help me?

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ANSWER:  I would be happy to explain the differences between these two choices you have for your health coverage with Medicare.  I will begin my answer with the Medicare Advantage Plans:

MEDICARE ADVANTAGE PLANS

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IMPORTANT WARNING:   IF YOU JOIN A MEDICARE ADVANTAGE PLAN FIRST, INSTEAD OF A MEDICARE SUPPLEMENT, DURING YOUR 63 DAYS OF OPEN ENROLLMENT, YOU MAY NEVER BE ABLE TO GET A MEDICARE SUPPLEMENT, YOU WILL FORFIT YOUR RIGHT TO HAVE A CHOICE, EVEN IF YOU ARE NOT HAPPY WITH  THE MEDICARE ADVANTAGE PLAN.  AFTER YOUR 63 DAYS OF GUARENTEED ISSUE OPPORTUNITY ON THE PLAN OF YOUR CHOICE, YOU WILL GO THROUGH THE UNDERWRITING PROCESS IF YOU WANT TO CHANGE YOUR PLAN, AND YOU MAY BE TURNED DOWN FOR HEALTH REASONS.  OUR ADVICE IS TO ENROLL IN A MEDICARE SUPPLEMENT FIRST, THEN IF YOU WANT TO TRY A MEDICARE ADVANTAGE PLAN YOU CAN DO SO, WITHOUT RISKING YOUR OPTIONS TO CHANGE. 

This is the ruling from the Centers for Medicare. 

The Medicare Advantage Plans do not tell you this!! 

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Medicare Advantage Plans do not travel well.  You have many hoops to jump through to see a specialist and your doctor can choose not to take this coverage at any time he chooses.  You may have trouble finding a doctor that will take a Medicare Advantage Plans form of payment, because Medicare does not make the payment for your services.  You are not really using your Medicare benefits, because the insurance company is paying your bills.

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Also, they usually have a built in drug plan with formularies that are inferior.

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Please read my other blogs about Medicare Advantage Plans by clicking on that catagory on the left side of this page!!!

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Medicare Supplements or Medigap Coverage

By choosing a Medicare Supplement policy combined with a Stand Alone Part D Drug Plan, you get the most comprehensive coverage and maintain your choice in drug plans.  As you know, Medicare pays 80% of your doctor and hospital coverage.  You need the Supplement to pay the other 20%.  The only out of pocket costs you will have is your monthly premium.  You can go to any doctor or hospital all over the USA, see any specialist at any time you wish, and there are no “extra hoops” to jump through.  All you need to do is get a comparison of prices for supplements.  A Plan F is a Plan F, no matter what company you choose as all these benefits are regulated by the Centers for Medicare and are exactly the same!  The only difference is one company will charge you a higher premium than another one will.  There is no need to pay a higher price for your coverage!! 

Then you will need a comparison of all the drug plans available to you based on your individual medications!  That way you will always have the best drug plan, saving you the most on co-pays and premiums. 

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If after you read all the other blogs I have written about MAPD plans and Medicare Sups, and you still have a questions about your specific situation, please call my toll free number and I would be most happy to talk with you! A Crude Awakening: The Oil Crash divx

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This time of year your mailbox is probably full of materials from Medicare Advantage Plans. Most of the drug companies that offer MA’s will be advertising for you to switch from your Traditional Supplelment to a Medicare Advantage Plan.

Please be so careful because you may not be able to totally believe everything the salesperson tells you. They will tell you that Medicare Advantage Plans are as good or better than Original Medicare. Well, that statement can be quite deceiving. They do NOT COMPARE MEDICARE ADVANTAGE PLANS AGAINST A TRADITIONAL SUPPLEMENT!!!

Medicare pays 80% of your doctor and hospital costs. Your Traditional Medicare Supplement pays the other 20%. With a Medicare Advantage Plan you actually are not using your Medicare benefits, but all your bills go through the Advantage Plan company. It may sound better because the premiums are lower, but you may have co-pays for many things. There are many more hoops to jump through to see a specialist, and they just don’t cover every illness as comprehensively as a Traditional Supplement does.

One of the biggest problems people are having is that their doctor that they have seen for years will NOT accept the terms of payment from the MA company. We always tell people, especially if they have an ongoing illness, DO NOT SWITCH TO A MEDICARE ADVANTAGE PLAN.

These are the reasons to consider a Medicare Advantage Plan:

*If you are on disability and can NOT get any other coverage

The Last Mimzy dvdrip *If you are in excellent health and want to risk staying in excellent health

REMEMBER:

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IF YOU JOIN A MEDICARE ADVANTAGE PLAN AND DO NOT LIKE IT, FOR ANY REASON, YOU HAVE 12 MONTHS TO GET BACK ON A TRADITIONAL SUPPLEMENT WITH NO UNDERWRITING. IF YOU WAIT AFTER THE 12 MONTHS, YOU WILL HAVE TO ANSWER HEALTH QUESTIONS, AND YOU MAY NOT BE ACCEPTED BACK ON A TRADITIONAL SUPPLEMENT.

So, readers, please all this this in mind, when you hear the very attractive sales pitch of the Medicare Advantage Plan salesperson.

I am NOT against Medicare Advantage Plans.

Turn the River buy We recommend them to some people everyday. YOU JUST NEED TO MAKE SURE THAT THIS IS THE COVERAGE FOR YOU AND GET THE FACTS!!!

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If you have any questions, just call me, Karyn Blake, toll free at 866-752-1795.

If you would like a Senior Consultant to call you to discuss your options, call us or go to the website and fill out a worksheet at: Wuthering Heights hd The Muppets Take Manhattan movie download Hold That Ghost hd

www.MyPartDusa.com