Author: Creative Programs and Systems - page 173

Why Medicare Supplemental Plans Succeed

Posted on by Creative Programs and Systems - Updated

When you retire, you are faced with some important personal decisions.  That is why the state of Tennessee and POMCO are working together to make one of those decisions, Medicare Supplemental Healthcare, easier for you.  As a retiree, you may be eligible for the Tennessee plan.  This plan is designed specifically for retired state employees, teachers, and local government employees and their eligible spouses and dependents.

The Tennessee Plan can help fill the Medicare Coverage Gap.  If you have Medicare coverage, you likely need The Tennessee Plan to help cover some of the expenses that Medicare does not.  The Tennessee Plan helps fill most of the coverage gaps that Medicare creates.

If you are eligible, you can enroll in the Tennessee Plan coverage, commonly known as Medigap coverage.  The Tennessee Plan is a standard Medicare Supplemental Policy designed to fill in the coverage gaps in your Medicare Part A and Part B coverage.

What kind of gaps do Medicare Parts A & B have?

In 2010, some of the charges Medicare requires you to pay include the following:

  • A $1,100 deductible out of your own pocket each time you are hospitalized.
  • Then $275 a day for the 61st to the 90th day in the hospital and $550 a day thereafter up to a 60 day lifetime reserve maximum. Plus a $155 deductible for approved doctors’ bills and outpatient expenses and then you must pay an additional 20% of the Medicare approved charges after that.

You may be responsible for any amount over the Medicare approved charges from providers who do not accept Medicare assignments.  Even with Medicare coverage, your out-of-pocket expenses can add up fast and cause financial difficulty.  Coverage under The Tennessee Plan can help fill some of these gaps.  There are ten standardized approved, by federal law, Medicare Supplemental Policies that can be offered.  The Tennessee Plan offers benefits comparable to the Medicare Supplemental Standard Plan D.

Who is eligible to enroll?

Any retired state of Tennessee employees or local education certified teaching staff receiving a monthly retirement allowance from the Tennessee Consolidated Retirement System, or higher education optional retirement plan who is eligible for Medicare Part A may apply for coverage under this plan.  Retired Local Education support staff and local government participants eligible for Medicare Part A who receive a monthly retirement allowance from the TCRS are also eligible to apply for coverage.  Your legal married spouse and eligible dependents may also apply.  If you qualify and enroll for coverage within 60 days of your initial eligibility, you cannot be denied coverage because of your age or health.

 

Who administers the Tennessee plan?

The Tennessee Plan features Medicare Supplemental coverage sponsored by the state of Tennessee with claims administered by POMCO.  The plan offers you quality coverage at lower group premium rates.  Since the monthly premiums are not based on age, they will not increase just because you get older.  Premium rates may increase due to increasing costs, which would happen with any plan.  Best of all, if you have more than 15 years of service as a State of Tennessee employee or teacher, the State of Tennessee will pay part of your cost for your Plan coverage.

Less Paperwork: Because providers file claims with the plan, you don’t need to worry about paperwork!  Most claims are filed by you by your doctors and hospitals if they have your Medicare and The Tennessee Plan member identification numbers.  Claims are then sent directly to POMCO after Medicare has completed their part.  This works out well for everyone.  The providers are paid quickly and you avoid all the paperwork.

The Tennessee Department of Commerce and Insurance has made it easy for you to save money and get discount health insurance.  In Tennessee, there are eight basic kinds of health coverage:

  • Major Medical: Covers most health care services
  • Short Term Major Medical: Covers everything included with major medical except pre-existing health conditions: short term major medical usually lasts for six months
  • Hospital and Surgical: Covers inpatient and some outpatient hospital and surgical care” doesn’t include prescription medication coverage
  • Hospital Indemnity: Covers a predetermined amount of the daily cost of a hospital stay
  • Hospital, Medical, & Surgical Indemnity: Offers a mixture of what hospital & surgical indemnity policies cover; doesn’t cover major medical emergencies
  • Cancer, Heart Attack, & Stroke: Covers only those three conditions and shouldn’t be used as your only medical policy
  • Accident: Covers accidental injuries and shouldn’t be used as your only health insurance policy
  • Supplement: Supplement policies act to cover everything that isn’t covered by your major medical or hospital coverage, as well as Medicare

How does having this information benefit you?

Well, it’s much easier to obtain Tennessee affordable health insurance premiums if you first know what kind of policy you need.  For example, if you’ve just lost your medical benefits due to being laid off from work, you might want to search inexpensive health care quotes in Tennessee for short term major medical policies.  If you can’t yet afford a major medical plan but want protection against the unexpected, you may want to try to save money and get discount health insurance in Tennessee for accident coverage.

In Tennessee, affordable Medicare Supplemental health insurance premiums are just around the corner when you already know what medical coverage you want.  Armed with this knowledge, you can begin your search for quotes in Tennessee with a call to a Medicare Supplemental Insurance Broker at 888.452.7949 or visit our website http://www.emedicare-supplemental-insurance.com/tennessee-medicare-supplement-plans.

 

Medicare Supplemental Insurance- Tennessee

, , ,

Tips When Purchasing Linear Accelerator Parts

Posted on by Creative Programs and Systems

There are several considerations to take into account when you are purchasing parts for radiation equipment including linear accelerators.  Radiation equipment is critical and essential in running an oncology department and it is also quite costly and complicated.

One of the major decisions that you will need to make is whether to buy new or refurbished parts to repair and maintain your radiation department’s equipment.  Refurbished linear accelerator parts are suited for both repairs and maintenance.  The costs of replacement parts for radiation equipment are lower when purchasing refurbished parts.  Refurbished equipment is ideal for medical companies that are starting out, purchasing additional pieces, research companies, veterinarians, and industrial purposes.

Advantages of Refurbished

Some of the reasons for buying refurbished linear accelerators and refurbished parts for radiation equipment include:

  • To Grow a Practice: Refurbished linear accelerator and refurbished parts free up resources and minimize costs as you upgrade your practice whether that involves opening a new center, a new treatment room, or spare equipment to have on hand.
  • Manage Expenses: Refurbished linear accelerators and refurbished parts help manage the risk of investing in costly new equipment during turbulent periods and help you stay afloat in times of financial constraints.
  • Flexibility: Refurbished linear accelerators and refurbished parts provide you the flexibility of having a backup system that you can fall back on when your existing system develops a problem.

What To Think about when Purchasing

There are many factors to consider when buying radiation equipment and parts for linear accelerators, CT scanners and other oncology equipment.

  1. Proper Planning – There are several factors that go into the planning aspect as you make your buying decision. You need to identify and understand what your clinical goals are and what type of technology you will require delivering quality service. Factors to consider include whether you plan on going fully digital to the type of defined treatment field you want to achieve.

Site planning requirements is another factor to consider because installation of linear accelerator parts for radiation equipment requires important considerations such as room dimensions, power, local permits, water supply and future equipment technology.

The timeline for completing your project is critical for planning and executing milestones such as installation dates, equipment acceptance testing dates and going live with the linear accelerator parts. It is important to factor in some level of flexibility in your project timeline so as to account for unforeseen developments and challenges.

Your budget will determine the technology, manufacturer, and age of your equipment acquisition. A limited budget can influence you to go for refurbished linear accelerator parts for your radiation equipment. This also ensures available resources to effectively carry out other essential operations of your practice.

  1. An Experienced Team – The successful implementation of linear accelerator parts requires good cohesion with various experts ranging from the equipment provider to the physics support team to the IT integration team to the clinical implementation team.

Have A Professional Do Install

It is important to ensure that the experts who are handling this implementation are specialists in their own field and have the requisite experience and expertise to execute. Perform due diligence background on the equipment provider for your linear accelerator parts for the radiation equipment to ensure maximum reliability and vendor accountability. Invest in an equipment provider that not only sells you the equipment but also provides post-installation support.

Learn more about Radparts and the variety of services and parts they offer to repair medical equipment including: linear accelerators parts, CT scanners parts, linac parts, and radiation oncology equipment at www.radparts.com.  To contact one of our medical equipment repair specialists for parts or service call toll free 877.704.3838 for 24/7/365 support.

RadParts

, , , ,

Quality Pool Plastering Services

Posted on by Creative Programs and Systems

The process of constructing a pool with the best materials and the most reliable finish is definitely one that takes time and money. This is the reason why it is so important to be able to choose the best pool plastering services available. The best thing to do if you choose to use a pool plastering service, is to look for the most reliable providers in your area and then make an informed decision about which one you are going to be using.

Need Repair On Your Pool

There are many pools that are finished, but they need to get pool plastering repairs because the current work wasn’t up to standards. You should start by conducting some research regarding the best options available for pool plastering in your area. This is going to make the process a lot easier for you and that is going to be essential for you to get results faster.

Check Quotes With Multiple Companies

Pool plastering services have all kinds of costs depending on each situation and this means that you have to be very careful about the kind of services that you choose. Most companies will provide a free quote by visiting your location and coming up with a great quote for your needs. Be sure to call a couple of good choices and have them give you their best quote and timeframe to get the job done. You will be glad that you took the time to do this as it will give you more time to choose the best service.

Each Repair Is Unique

Pool plastering repairs are often as complicated as initial plastering services, so always consider this before you decide to start any kind of project. A good service provider is always going to evaluate the kind of damage that your plastering has and they will give you an estimate on the costs and the time it takes to repair them. Some cases require that new plastering is applied to the entire pool, but this will depend on the situation and the quality of the work that was done before yours.

Taking proper care of a pool is now an easy job because it requires maintenance and it needs to be repaired with quality plastering in order for this to be as long lasting as possible. That is the essential thing to always consider when you hire a service for this purpose. Get results that last and get them with efficient services that provide a guarantee of the work they do for your pool.

Learn more about Pound Pool Plastering and their numerous pool plastering options including: pool resurfacing, plaster surfacing, commercial pool plaster, residential pool plaster, plastering swimming pools, tiling swimming pools, coping swimming pools, and more at www.pound-pool-plastering.com.  To contact our pool plastering specialists call 248.476.4544 today.

Pound Pool Plastering

, , , , , , ,

Purchasing Reconditioned Electrical Supplies

Posted on by Creative Programs and Systems

Making sure that proper electrical supplies are used in any kind of electrical repairs or upgrades around your home or business it is important to get the optimal result. It is nearly impossible to replace electrical supplies that are well used when equipment is older as the replacement parts have become obsolete.  When you aren’t able to find new electrical components for older equipment the best and only way to navigate is with refurbished electrical components.

Needing Parts for Older Equipment

When you have obsolete circuit breakers, bus ducts, transformers, switches, and any other supplies that are no longer viable you run the risk of ending up with an electrical problem that could be dangerous.  However if you are unable to find the parts new that could be a problem.  This is why companies specialize in reconditioning obsolete electrical components.  Reconditioned electrical supplies need to meet the quality standards that will ensure peace of mind when any types of electrical repairs are done inside your home or business.

There are many cases of electrical issues that are caused by worn electrical supplies and this is not something that should be happening with options available such as reconditioning obsolete or used electrical components.  This is the main reason why such a large number of facilities look into refurbished electrical components when electrical work is done.

Safety Matters

Any work that is related to electricity needs to be taken seriously if you are to get the most reliable results when you get it done.  This is definitely important and it will ensure that you can create a very safe environment for your home or place of business.  Proper electrical components and supplies can mean the difference between a safe place and one that is a constant risk.

Finding The Right Fit

Finding the best possible refurbished transformers, circuit breakers, switchboards, disconnects, and fuses are definitely an essential part of repairing equipment electrical components and electrical repairs.  Quality refurbished electrical components provide the best outcome and help you avoid any dangerous setups that could cause fires and damage to your equipment at home or in your office.

A large inventory of refurbished electrical components is available online at www.jpelectricalcompany.com. You will find that the prices and the number of available products match the quality that you can expect from every purchase. Fast, reliable and packed with the features you need for a truly successful result. Reliability, durability, and quality are the main reasons why this is the best place to shop for electrical supplies.

Learn more about J & P Electrical Company and their vast line of new, surplus, and refurbished industrial electrical components including: circuit breakers, bus ducts, bus plugs, disconnects, fuses, panel switches, tap boxes, and transformers at https://www.jpelectricalcompany.com/products.php.  To contact one of our product reconditioning specialists call 877.844.5514 today.

J & P Electrical Company

, , , , , , , , , ,

What Is There To Know About Cataract Surgery?

Posted on by Creative Programs and Systems

As we get older our eyes go through a process of aging.  You may first start to notice your near vision getting a bit worse and that you need to hold things a little closer.  Then you may need to start wearing reading glasses; this is called presbyopia.  This is where the lens within the eye cannot flex as well as when we are young and unable to bend into focus and the lens starts to get cloudy.

How Cataracts Can Affect You

As our eyes age further the lens becomes stiff, rigid, and very cloudy, this is called cataracts.   If not detected early, cataracts can get so bad you may not be able to see through them and you lose the ability to see clearly, navigate, distinguish between colors and lose contrast.

Ideally, before it gets that bad we would recommend performing cataract surgery to restore your vision.  The main aim of cataract surgery is to remove the old lens and replace it with a new artificial intraocular lens (IOL) to improve your vision.  A lot of people know about cataracts but aren’t clear on what the surgery actually involves.

Cataract Surgery

The initial stage of cataract surgery is for the eye surgeon to clean and numb the eye and to also dilate the pupil; this is to help the eye surgeon see the cataract clearly.  The eye is held open throughout the procedure with a speculum.

Most people are awake during surgery and anesthetic is usually given via eye drops that take seconds to work.  You shouldn’t be in any discomfort but may feel pressure and will see a bright light.  The surgeon will then make a minute incision, which can be less than 2.2 mm.

A substance called viscoelastic is introduced to stabilize the eye and maintain pressure.  The lens capsule is where your natural lens sits, the surgeon will open up a small portion of this to be able to remove the old lens and insert a new lens.  Depending on how bad the cataract is, the surgeon may first need to segment the cataract prior to removal.

The removal of the lens is called phacoemulsification (phaco), this is where the eye surgeon will use a machine with an ultrasonic hand piece.  The tip of the hand piece vibrates at an ultrasonic frequency which makes the lens substance emulsify which is then irrigated and aspirated out.  If needed, the surgeon may then polish the capsule prior to inserting the new intraocular lens.  The new lens is usually folded within an injector.

The injector places the lens within the capsule and as it unfolds the surgeon guides it into place.  The viscoelastic is them removed via aspiration.  Once this is done the eye surgeon will check over the eye to ensure everything is perfect and that the incision is watertight and then apply an antibiotic and steroid eye drop.  The use of stitches is not normally needed as the incision is so small and self-sealing.  The surgeon will then place an eye shield/patch over the eye to protect it and the surgery is complete.

After The Surgery

If both eyes need surgery they will normally be treated on separate days to prevent the risk of infecting both eyes and to also see how the first eye heals.  The surgery takes an average of twenty minutes per eye and you can expect to leave within an hour or so after the surgery.  Your vision should improve gradually over the next twenty four to forty eight hours.  Full visual recovery and achieving final outcomes might take up to four weeks.

If you are looking to reduce or even get rid of your eye glasses and/or contacts let us at Rohr Eye & Laser Center help you! We offer several types of LASIK eye surgery including PRK, AK, CK, Cataracts surgery and more. We perform all these eye laser treatments with state of the art equipment. We are a leader in laser vision correction, and our goal is to help you achieve superior vision. Contact us today or view our website http://www.michiganlasik.com/  to schedule an appointment.

Michigan Lasik

, , , ,

Texas Medigap Enrollment

Posted on by Creative Programs and Systems

Some Texas beneficiaries may find their Original Medicare out of pocket expenses and monthly premiums are too high for their budgets.  Original Medicare consists of Medicare Part A and Medicare Part B, which is the health insurance plan sponsored by the U.S. Federal Government for qualifying individuals who have reached 65.  Medigap Insurance Plans in Texas may help cover some of those expenses, which may make basic health-care benefits more affordable.

 Medigap plans cover costs associated with Original Medicare, including copayments, deductibles, and other out of pocket expenses.  These plans are designed to work in combination with Original Medicare and cannot be used as a standalone health insurance plan. Medigap plans themselves do not include prescription coverage however by enrolling in a separate Medicare Part D, prescription drug plan.

Texas Medigap Supplemental Insurance Plan Choices

It is important to note that Medigap plans offering lower premiums may have higher out of pocket expenses.  When comparing plans it is important to weigh both factors to find the best plan for your needs.

Companies offering Medigap Insurance plans in Texas may offer one or more of ten different plan categories.  Each plan type is designated with a letter of the alphabet, which is standardized under Medigap.  This means that each state offering Plan A in Texas offers identical basic benefits.  However, the cost and out of pocket expenses will vary from insurance company to insurance company and even from location to location within the state.

Selecting Medigap In Texas

Each company and county will provide a different selection of Medigap plans.  Consider all of the options available in your area to find the best plan type for your specific needs.  Basic benefit levels vary between plan types.  For example one Medigap Plan C may charge higher premiums but cover more copayments and out of pocket expenses than another type of Medigap Insurance Plan.

Search Around For Best Plan

It is also important to compare costs of monthly premiums and out of pocket expenses between different companies since these can fluctuate.  Get quotes from a number of different companies in your area to see which plan will be the most affordable for you.  If prescription drug coverage is a concern, consider enrolling in Medicare Part D, prescription drug coverage to receive these basic benefits with your Original Medicare and Medigap Plans.

Learn more about Medigap plans & rates in Texas at http://emedigap-plans.com/texas-medigap-insurance.plans.php.  Our Texas Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Texas today.  To talk to an expert in Texas Medigap coverage call toll free 888-452-7949 today!

Medigap TX

, , , , , , ,

Choosing a Medigap Plan In Michigan

Posted on by Creative Programs and Systems

The only two new Medicare Supplemental Plans to be added to the list of Medigap Insurance Plans this year boasted lower premiums than some plans that were already on the market.  Medigap Plans M and N keep premiums low by requiring you to pay a portion of Medicare’s charges.

Plans M and Plans N

Medicare Supplement Plan M only covers 50% of the Medicare Part A’s $1, 100 deductible which needs to be met before Medicare starts to pick up your hospital bills.  If hospitalization is unlikely this policy might make sense for you.  Plan N reduces premiums by requiring you to pay for part of your Medicare’s Part B co-insurance amounts for doctor’s services.  This plan could work well if you typically spend little on Medicare Part B co-insurance.

Beyond these new low-cost plans one of the biggest names in health insurance has actually proposed cutting Medicare Supplement Premiums where the need is the greatest.  A name you don’t often think of as being a leader in low-cost health insurance, Blue Cross Blue Shield, wants to offer larger discounts on Medicare Supplement Plans to Michigan seniors with the lowest incomes.

How Does The Blue Cross Plan Lower Medicare Supplemental Insurance Premiums?

As the largest insurer in Michigan, Blue Cross already uses 1% of what it collects in premiums to help lower the price for people with Medigap Insurance to supplement their Medicare coverage.  Blue Cross representatives say that this translates into a 39% discount which is currently being evenly distributed to those with Michigan Medigap Policies.  Blue Cross is requesting to skew that distribution in order to make the largest discounts available those who need the most help.

All seniors would still benefit from discounts of at least 25% but those with the greatest need in Michigan would get extra assistance.  For example, the Blue Cross plan would mean that a senior with an income of $16,245 would need to pay only half of the $191 monthly premium.

If this change is approved by the state Office of Financial and Insurance Regulation more than 200,000 Michigan seniors could see a change in their Blue Cross Medicare Supplement Premiums.  If you have an income above $32,600 you would see an increase but all others would get a reduction in their premiums.  Is it possible this idea will spread to other states beyond Michigan?

How Can Participants Reduce Their Medicare Insurance Premiums?

No matter what state you live in there is a simple way to keep your premiums low.  One of the easiest ways to be sure you are getting the best Medicare Supplement value is to request an annual review where independent agents compare your needs to other Medigap Policies.

If your health makes it simple to change policies you may find a lower priced plan that works better for you.  It is a good idea to request such a free policy review once a year so you don’t miss out as new plans become available.  If your needs change, of course, anytime is the right time to see if a different Medicare Supplement can save you money.

Learn more about Medigap plans & rates in Michigan at http://emedigap-plans.com/michigan-medicare-supplement-plans.  Our Michigan Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Michigan today.  To talk to an expert in Michigan Medigap coverage call toll free 888-452-7949 today!

Medigap MI

, , , , ,

Finding the Right Medicare Supplemental Insurance Coverage In Texas

Posted on by Creative Programs and Systems

In Texas finding the best Medicare Supplemental Insurance for your health care and budget needs can take some time and patience.  There was a time not too many years ago when Medicare Supplemental Policies were the only choice for recipients of Medicare.  Choosing a good Medicare Supplement would give policy holders the widest coverage nationwide.  Participants could go to any doctor or health care facility in the United States that accepts Medicare.  This is helpful to snowbirds and those who travel extensively for months at a time.

Monthly Premiums

Unlike Medicare Advantage, Medicare Supplemental Policies come with a monthly premium.  Many insurance companies offer a “teaser” premium to start that is used to attract new enrollees that are about to or have recently turned sixty-five.  The cost of Medicare will vary between insurance companies however the coverage will be exactly the same no matter where is being purchased.

With all difference options with in Medicare what exactly should recipients be looking for?   Seniors should be looking for companies with:

  • A track record of verifiable financial stability
  • Excellent customer and bill paying services
  • A history of consistent premium cost free of huge increases

Where To Start your Research

This important information is not readily available to enrollees.  That is why consulting with an independent Medicare Insurance Broker is a good starting point in finding the best Texas Medicare Supplement Policy.

Of the ten standardized Supplemental Plans only two should be considered by most Medicare recipients Medicare Plan F and Medicare Plan G.  Plan F is the most popular supplement plan as it guarantees to cover an enrollee up to the maximum allowed by Medicare for any Medicare approved service.

This leaves little to chance and a policy holder will know that they should never receive a bill unless they have had a non-Medicare approved service or procedure.  An example would be a face lift.  Supplemental Insurance Plan G is a little different in that it will not pay for excess charges allowed by Medicare.  A person with Medicare Plan G must be vigilant that their health care providers will accept Medicare assignment.

Getting The Best Insurance Agent

Finding the best Texas Medicare Supplement is not easy.  It is about as easy as finding a dependable independent insurance agent to get real insight into different insurance companies that you are considering.  A good independent insurance agent will lay out the facts and enable enrollees to make educated decisions.

Learn more about Texas Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/medicare-supplement-plans-texas.  Our Texas Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Texas.  To talk to an expert in Texas Medicare coverage toll free 877-202-9248 today!

Medicare Supplemental Insurance- Texas

, , ,

Supplying Medicare Supplemental Insurance to Michigan Enrollees

Posted on by Creative Programs and Systems

 Michigan Medicare Supplemental Insurance Plans cover coinsurance, deductibles, and other out-of-pocket expenses that Medicare doesn’t pay for.  Benefits for skilled nursing care, emergency foreign travel, and blood work are a few of the plan features.  Supplements are standardized.  They offer a comprehensive overview of all supplemental plans and benefits offered in the state of Michigan.

Michigan Medicare Supplemental Insurance Plans

In order to have a supplement plan you must have Medicare Parts A and B, Original Medicare, and be 65 years old.  These plans do not include prescription drug coverage.  In order to have prescription drug coverage you will need to enroll in Medicare Part D which provides prescription drug coverage since supplemental insurance plans do not.  Also, it is important to note that supplemental plans are not available when participants are enrolled in Medicare Advantage Plans.  You will want to be sure that you compare all of the different Medicare Plans to ensure you’ve taken advantage of all that is available to you.

It is common for a Medicare beneficiary to have 3 different plans in order to maximize their coverage:

  • Original Medicare Part A and Part B
  • Prescription Drug Coverage, Plan D
  • Medicare Supplemental Insurance Plans

The total number of Medicare beneficiaries in 2015 was just under 2 million in the state of Michigan that is 19% of the state’s total population.  In 2016, an average of 19% was disabled and the other 81% had reached the age of 65.  The total amount of Medicare beneficiaries that were disabled with ESRD was just under 7,700 and the total amount of beneficiaries that were not disabled, but reached age 65, was just under 7,900.

 Can you get denied coverage?

You can be denied coverage for Michigan Medigap plans if you are fewer than 65 and don’t have a qualifying illness or disability.  You can also be denied coverage if you have a pre-existing condition and are enrolling outside your Open Enrollment period.  This period lasts for the six months and starts the first day of the month you are enrolled in Medicare Part B and are 65 or over.  You cannot be denied coverage for any reason if you are enrolling during this six month time frame, if you don’t enroll during this period you can be denied coverage, your benefits may be delayed, or you could be charged a higher rate because you must meet the underwriting requirements.

Plans Available for Medicare Recipients Under 65 Years Old

Not all states offer supplemental insurance to those under 65.  There are some available Michigan Medicare Supplement health insurance options if you are under 65.  They offer Medicare Part A and Medicare Plan C but keep in mind that the rates will not be the same compared to the rates for recipients over 65.

Can the insurance company cancel my policy if my health changes?

The insurance company cannot cancel your policy if your health changes as long as you continue to pay your premium and enrolled during your Open Enrollment Period.

What carriers offer plans in Michigan?

There are dozens of carriers that offer supplemental plans in Michigan.  Since all plans are standardized each carrier must offer the same benefits for each letter plan.  This means that regardless of the carrier, the letter plan you choose will have the same benefits.  The only difference is the cost of each letter plan; each carrier can charge their own amount.  That is why it is important to consult with a senior Medicare agent to compare rates with all the top carriers.

Michigan Medicare Supplement Subsidy

Beginning in January of 2017, the Michigan Health Endowment Fund administered the Michigan Medicare Supplement Subsidy program.  The program will directly pay your insurance provider and is based off your total household annual income.

Learn more about Michigan Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/michigan-medicare-supplement-plans.  Our Michigan Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Michigan.  To talk to an expert in Michigan Medicare coverage toll free 877-202-9248 today!

 

 

 

Medicare Supplemental Insurance- Michigan

, , ,

Shopping For Medicare Plans in Arizona

Posted on by Creative Programs and Systems

Many Arizona seniors approaching their sixty fifth birthdays that are enrolling in Medicare are searching for the best Medicare Supplemental Insurance Plans.  In today’s crowded Arizona Medicare market, enrollees have many choices when it comes to supplemental plans and insurance companies to purchase coverage from.  The correct choice is different for each person depending on their health objectives and economic realities.

Know Your Options In Medicare

Looking at the big picture seniors have a few options in Medicare.  The first is to enroll in Original Medicare and purchase one of ten standardized Medicare Supplemental Policies.  The second is to enroll in a good Medicare Advantage Plan.  Either choice can be a sound choice depending upon your personal health care needs.  For now let’s look at some important factors to consider when shopping for Medicare Supplement Insurance Plans in Arizona.

Before you can begin shopping for affordable supplemental health insurance in Arizona you should understand the process and plans that are available.  Medicare Supplemental Insurance Plans are purchased by private insurance companies that the government has chosen to sell the standardized plans.  These private insurance companies can choose to offer these plans at a rate that they specify however each plan is the exact same.  This is why it is important for enrollees to shop and compare Medicare Supplement Insurance before settling on a plan and company to purchase it from.

Insurance Companies Have The Choice

Insurance companies decide which policies they will sell.  Companies that do decide to sell Medicare Supplemental Policies:

  • Don’t have to offer every plan
  • Must offer Medicare Part A if they are going to sell Medicare Supplemental Insurance Plans
  • If they offer any plans they must also offer Medicare Plan C or Plan F

When You are Enrolled In Medicare

Enrollees in Medicare and a supplemental plan can go to any doctor or provider in Arizona that accepts Medicare.  Here is some essential information to know when enrolling in government sponsored health insurance plans:

  • Enrollees need to be enrolled in Medicare Part A and Part B in order to purchase a Supplemental Plan
  • Enrollees in a Medicare Advantage Plan can apply for Supplemental Insurance however you must leave the Advantage Plan before the Supplemental Plan begins
  • Private insurers are paid a monthly premium for the Supplemental Plan in addition to the premium they pay for Medicare Part B
  • Medicare Supplemental Insurance only covers one participant. If a married couple has Medicare Insurance they must both have separate coverage
  • Supplemental Insurance can be purchase from any insurance company that is licensed to sell insurance in Arizona

 

Learn more about Arizona Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/arizona-medicare-supplement-plans.  Our Arizona Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Arizona.  To talk to an expert in Arizona Medicare coverage toll free 877-202-9248 today!

Medicare Supplemental Insurance- Arizona

, , ,