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Are you turning 65? Enrolling in Medicare? How does Medicare work? Georgia Medicare Minute with Bob Vineyard. Learn with video.
You may have only one chance to get it right, so don't miss it. Watch our videos by an insurance broker. Medicare supplement plans for 2018.
What is a PDP? Am I required to enroll in Part D? How do I avoid a LEP (Late Enrollment Penalty)?
What is original Medicare? Is an Advantage plan a better choice? Where can you find the best GA Medigap rates?
Medicare terminology is often different from what you have heard when you had employer group health coverage, or even an Obamacare plan.
Deductibles, copay's and coinsurance have the same meaning but Medicare uses words and abbreviations that may be foreign to you.
Medicare Advantage, Medicare supplment and Medigap are TWO kinds of coverage, not three.
Medicare Advantage is managed care where your benefits are determined by private insurance carriers. In most cases you will have par and non-par providers, networks, out of network penalties, referrals . . . the list goes on.
Medicare supplement and Medigap are interchangeable terms, like Kleenex and tissue. Two different terms for the same thing.
Supplement plans pay AFTER original Medicare has adjudicated and approved the claim.
Original Medicare does not have networks. Neither do Medigap plans.
Finding the best rate for your supplement plan can be challenging. Currently (2018) there are about 50 carriers writing this coverage. You will NOT find all the rates on your own.
But Georgia Medicare Plans is happy to email the information to you simply by asking.
How easy is that?
In 2018 most Advantage plans issued in Georgia limit your out of pocket for approved in network health care expenses to $6700.
The American Cancer Society tells us that more than half the 1.4 million new cancer diagnoses occur in people age 65 and older. Roughly 20% of retiree deaths are a result of cancer. Medicare pays for almost half of the $74 billion spent on cancer treatment. The elderly account for 70% of cancer deaths each year.
Some cancer centers, such as Mayo Clinic, Sloan Kettering and MD Anderson may not participate in certain Medicare Advantage plans.
Not all cancer responds to chemotherapy, but 80% of cancers are treated with chemo. Those treatments occur in an outpatient setting and are covered under Medicare Part B.
Chemotherapy drugs administered in a doctor's office or clinic normally fall under Part B. Medication from a retail pharmacy or by mail fall under your PDP.
This is why most of us chose a Medicare supplement plan in 2018. Bob Vineyard, independent Medicare insurance broker in Georgia, can explain your Georgia Medicare insurance options and will allow you to decide.
We represent several carriers including Aetna, Anthem Blue Cross, Humana and more.
According to the Mayo clinic, "new cancer treatments are routinely priced at over $100,000 per year of treatment."
I enrolled in Medicare in September, 2015. Cancer is a word I know too well. My mothers twin sister and older sister died of cancer. My wife’s father and mother died because of cancer. All 5 of my father-in-laws siblings died of cancer. Two of my mother-in-laws siblings died of cancer.
I have seen what cancer can do to the human body and the misery that accompanies this dread illness. If you are diagnosed with cancer, the last thing on your mind should not be “How will I pay for my treatment?”
I know how quickly things can change. When my health changes I want to control the direction of my care. Insurance carriers are not going to give me a list of doctors and tell me this year I can only use these, and next year the list may change.
I am enrolled in original Medicare plus Medigap plan N.
You may not know it, but the Mayo Clinic does not participate in any Medicare Advantage plans.M D Anderson is another cancer treatment facility that does not accept Medicare Advantage plans.
A study from the Medicare Rights discovered the number one reason for disenrolling from a Medicare Advantage plan was “provider access problems”. Number 4 on the list was “cost sharing too high”.
You may never receive a cancer diagnosis. I hope you don’t. But one thing I can tell you with certainty is this. Original Medicare and a supplement plan provides assurance the funds will be there to pay for almost all of your care.
Shop and compare Georgia Medigap rates online. Instant quote. Up to 30 plans
FREE REPORT for over 240 different GA Medigap carriers available on request. We quote Medicare supplement rates by phone and email your custom report.
Comprehensive Part D Medicare drug plan review for new and existing clients. Learn the secret to saving hundreds on prescription drug costs.A drug plan deductible is your friend.
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Georgia Medicare Plans – Bob Vineyard