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I have a hmo,did’nt know i had a choice.some doctors tell you they no
longer take hmo’s,they pay to slow so what do you do?i’m surfing to web to
compare info,i hope that will help me ,turning 65 so confuseing
+Cynthia Strahan I just saw this post you made several months ago about
your frustrations with Medicare and turning 65. Obviously, I don’t know
your current situation, but if you still want to see what choices might be
available for you and if you qualify to save money then click here >>>
http://medicaresupplements4you.com/ for a free quote.
I just got off the phone with Optima Medicare Advantage who told me I still
have to pay part B separately. In this video you say Advantage plans cover
part B. Which is it?
+John Dozier Medicare Advantage plans also cover part B services or
benefits, but you still have to pay the Part B premium due whether you go
the original Medicare route or the Med Advantage route. The only exception
to that would be if a person were on their state’s Medicaid program because
of low income, then the Medicaid program might pay a portion or all of the
Medicare Part B premium. Hope that helps clear it up John.
Yes, Thanks.
a
When a person presents their insurance card, how am I to know if it’s a
medigap plan or an advantage plan? To be clear, is the Medigap “in addition
to” Medicare A/B and are the advantage plans a replacement to Medicare A/B?
Usually a Medigap plan will have a letter A through N. Most common Medigap
plans are plan F, G or N. An advantage plan will often times display
deductible, copayment and coinsurance amounts on the card or it will say
HMO. If in doubt, you can always call the insurance carrier’s phone number
on the back of the card. Medigap is “in addition” to Medicare A/B. It picks
up the “gaps” left by A/B. If you get an advantage plan, even though you
still pay for the monthly Part B premium you technically are replacing
Original Medicare Part A & B. Once you are covered by an advantage plan,
you will receive coverage within a network whereas with Medicare Part A&B
plus a Medigap you can receive coverage anywhere in the US, any doctor who
takes Medicare including specialists and you do not need a referral. Some
Medigap policies will cover foreign travel at 80% in case of emergencies.
Hope this is helpful. If you have questions, please visit
http://www.medicareline.org and contact me directly.
it shouldn’t be this complicated .
I need my medicare card