We Offer the Following Medicare Supplement Plans:
|Plan A||Plan B||Plan C||Plan D||Plan E & F*|
|Basic, including 100% Part B coinsurance||Basic, including 100% Part B coinsurance||Basic, including 100% Part B coinsurance||Basic, including 100% Part B coinsurance||Basic, including 100% Part B coinsurance|
|Skilled Nursing Facility Coinsurance||Skilled Nursing Facility Coinsurance||Skilled Nursing Facility Coinsurance|
|Part A Deductible||Part A Deductible||Part A Deductible||Part A Deductible|
|Part B Deductible||Part B Deductible|
|Part B Excess (100%)|
|Foreign Travel Emergency||Foreign Travel Emergency||Foreign Travel Emergency|
|Plan G||Plan K||Plan L||Plan M||Plan N|
|Basic, including 100% Part B coinsurance||Hospitalization and preventive care paid at 100%; other basic benefits paid at 50%||Hospitalization and preventive care paid at 100%; other basic benefits paid at 75%||Basic, including 100% Part B coinsurance||Basic, including 100% Part B coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER|
|Skilled Nursing Facility Coinsurance||50% Skilled Nursing Facility Coinsurance||75% Skilled Nursing Facility Coinsurance||Skilled Nursing Facility Coinsurance||Skilled Nursing Facility Coinsurance|
|Part A Deductible||50% Part A Deductible||75% Part A Deductible||50% Part A Deductible||Part A Deductible|
|Foreign Travel Emergency||Foreign Travel Emergency|
|Out-of-pocket limit $4940; paid at 100% after limit reached||Out-of-pocket limit $2470; paid at 100% after limit reached|
* Plan F also has an option called a high deductible Plan F. This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2140 deductible.. Benefits from high deductible Plan F will not begin until out-of-pocket expenses exceed $2140. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.
Turning 65 is a milestone to be celebrated! Upon turning 65 you are eligible to receive Medicare benefits and your Open Enrollment period will begin 3 months before and end 3 months after your birthday. This is your Guaranteed Issue Period. During this time companies CANNOT refuse you coverage due to pre-existing conditions.
What is Medicare exactly? There are several parts to consider when making your health care insurance choices. Understanding Medicare and how it works will allow you to choose the best plan to fit your needs. Here is a brief summary of Medicare coverage:
- Part A is Hospital Insurance. It includes inpatient care in hospitals, nursing homes, skilled nursing facilities, and critical access hospitals. Part A does not include long-term or custodial care. If you meet specific requirements, then you may also be eligible for hospice or home health care. Before learning about what Part A covers, you should also know that Medicare does not cover everything, nor does it cover the total cost for many of the covered services or medical supplies. Coverage amounts are based on which Medicare plan you have. Part A helps cover only the medically necessary services.
- Part B is Medical Insurance. It covers doctor and other healthcare provider services, outpatient care, durable medical equipment and home health care. Most people have to pay a premium for Part B. You can check to see if you are qualified to receive help from your state to pay for premiums or deductibles. Otherwise, the premium is usually deducted from a Social Security, Railroad Retirement or Civil Service Retirement check. The Part B premium can also be paid every quarter or through the electronic payment option, or Medicare Easy Pay.
- Part C is also known as Medicare Advantage. This plan offers options from Medicare-approved private insurance companies. Advantage Plans are a way to get benefits and services covered under Parts A, B and D and they may include additional benefits for an additional cost.
- Part D is Medicare Prescription Drug Coverage and helps cover the cost of prescription drugs. This plan can help lower those costs and protect against higher costs being passed onto you. There are two ways to join the Medicare prescription drug coverage plan. The first is by adding it to your Original Medicare Plan or some Medicare cost plans, private fee-for-service plans, and Medical savings account plans. The second way is to join an HMO or PPO plan that includes Part D coverage. You will usually have to pay a monthly premium that will vary according to the plan you choose.
Medicare Advantage Plans are offered by private insurance companies, and provide Part A and B benefits and often prescription drug coverage all in one tidy package. Some plans include extras like vision, hearing and dental coverage too.
They often have low premiums — or none at all — but charge co-pays for doctors’ visits, and might restrict your choice of providers.
If you are lucky enough to be a healthy senior who doesn’t go to the doctor much and you’re comfortable with working with a network of doctors and providers, then a Medicare Advantage plan might be a great choice for you.
You probably have plenty of questions regarding the different benefits for some of the plans mentioned above and the different companies who offer Medicare Supplemental Insurance, such as United American, Blue Cross Blue Shield, and Mutual of Omaha, just to name a few.
That’s where we come in. Choice Plus Benefits specializes in helping seniors with these important decisions and have been doing so for over 35 years.
With over 34 different prescription drug plans to choose from Medicare Part D can be overwhelming. Choice Plus Benefits will help you select the best plan for your needs, and manage it for you at no cost.
The Affordable Care Act also expands existing coverage for seniors, including preventive care and wellness visits without charging you for the Part B co-insurance or deductible. Seniors will no longer need to put off preventive care and check-ups, and will receive better access to cancer screenings, wellness visits, flu shots and much more.
With so many choices and so much information to absorb, let us clear it all up for you. Call Choice Plus Benefits today to begin your free benefits review.
A Message From John Stamper
Hello and thank you for taking your time to visit Choice Plus Benefits. If you decide to place your Medicare Insurance with one of our companies, Choice Plus Benefits will help you with any of the 34 drug plans that are right for you and we will do this each and every year.
Please feel free call us at 972-850-0680 or fill out the form below and a Customer Specialist will be standing by to help you.