Reasons for not fearing Medicare

Shifting from employers insurance to Medicare can be intimidating. It might seem like a cumbersome job to look for policies and find the one suitable for it. Medicare is one of the biggest insurance programs and hence is safe and secure.

Here are a few reasons for trusting Medicare:  Find out more at

Huge Network:

Most of the physicians participate in Medicare. All healthcare providers, doctors, and Insurance companies are integrated together under this system. All the same, providers are available even if a person has applied for Medicare supplement plans as it does not matter if the Medicare insurance provider and Medicare supplement plan insurance provider are different. Moreover, all the doctors under Medicare will provide treatment irrespective of the Medigap insurance company.

Medicare supplement plans 2019

Medicare and travel:

People travel extensively after retirement. Most of them spend months in different states to visit and spend time with their children and grandchildren. It is more common among people who have families living in different states. But this does not pose a problem because the Medicare and Medicare supplement plans are national social programs and can be put to use anywhere. The only problem could be if the person has Medicare advantage subscription because it usually has network restrictions and treatment received outside the permitted location might not be covered under the policy. But any other policy including the Medigap plans does not pose location restrictions.

No referrals necessary:

Under certain policies such as the HMO it is necessary to get a referral from a doctor to get treated by a specialist but when it comes to Medicare, referrals are not necessary. The subscriber has the liberty to choose any specialist to get treatment. Only certain services might require authorization so that maximum coverage could be ensured. Moreover, the liberty to choose the insurance provider is also beneficial.

Maximum coverage:

Plan F covers all of the expenses. Medicare original plans may not be able to cover copayments or deductibles. But the Medicare supplement plans cover the rest of the cost and relieving the subscriber from paying even one dime. Since plan F is will be no longer sold from 2020, Plan G might be the next option as it offers the exact same benefits except for an annual part B deductible to be paid.

Medicare and Pre-existing conditions:

Pre-existing conditions mean that the person has health issues prior to shifting to any plan. There might be a worry among such people that these pre-existing conditions might not be covered if they transition to Medicare. However, this is not true. Medicare Parts  A and B cover it and there is no waiting period. It is, however, necessary to enroll in some Medicare supplement plan so that the benefit continues.

Convenient Way to Manage the Health Care by Medicare Supplement Plans with Complete Medical Coverage

The life insurance is an integral part of every individual of this generation. The insurance companies are introducing many policies for every section. These policies help and support in many ways in order to maintain the balance and betterment in life. The growing competition and stress are leading people to the state many medical deficiencies and disorders. Hence according to the survey of insurance companies more than 60% of people prefer to have the medical insurance of themselves as well as their family.

Information on supplement and advantage plans can be found at

There are several Medicare supplement plans which make an individual feel comfortable. These plans help in paying the hospital bills for facilities and the supplement too. There are certain guidelines in these plans which are often helpful in for the people taking insurance. These plans are also the part of Medigap insurance with some useful variations. The people feel helpful due to this variation because many helpful facilities are present in the additives.

The Medicare supplement plans have the similar listings of medical institutions for the payment criteria but in a different manner. The overseas travel is included in these plans due to health reasons in order for the treatment. The payment section which was not present in the original Medigap plan is present in this plans which includes:


The co-payment is among the new additive facility in the Medicare supplement plans. The copayment is the outward pocket payment for the medical need for the individual health care. It covers the payment for the visit to the doctors for any type of health care issues. This copayment structure includes the various tests like blood test urine test or X-ray. The copayments are the fixed payments from the insurance company and the healthcare service must not exclude the limits.


These amounts are somewhat similar to the copayment facility. These include the health care payment of the plan holder. But the twist in the coinsurance is its no limit strategy. The coinsurance varies their percentage scale as per the facility and treatment varies with the individual. The coinsurance ensures to pay the all the balance amount if the treatment costs more than the expectation.


These are an integral part of any type of insurance plan. The premium payment of Medicare supplement plans have the flexibility to fix is as per the convenience of the policyholder. The premium includes complete drug coverage with hospital visits and health care additives.

Medicare Advantage – A Personal Story

The following account provided excerpts from a seniors perspective of the medicare advantage. According to him, he had recently turned 65, and was being barraged with information on what type of Medicare plan to choose. After just about three months on Medicare he was happy so far with a Medicare advantage plan. He chose the advantage plan with secure horizons, that is, no additional premium after the charge for Medicare part B has been deducted from my Social Security check.

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It is vital at this point to hear his actual account as it sort to shed light on several issues while simultaneously answering several questions. “My co-pays with this plan are as follows: $15 for a visit to my primary care physician… $30 to see a specialist (I needed a referral from my primary care physician to see a specialist) As well as $175 for an outpatient surgical procedure. In 2011, my co-pays will be $10 to see a primary care physician and $35 to see a specialist. The co-pay for an outpatient surgical procedure remains the same at $175”.

The next point he raises seemed to provide more of an idea on the procedure – “If I had a Medicare supplement plan, called Medigap plans, I would pay an extra $123 a month. For this extra premium I would eliminate the office co-pays, surgical copayments,and the co-pays or special procedures not covered in my Medicare advantage plan. For instance, he required a CAT scan, and got a surprise when he went to have the CAT scan performed as CAT scans are not covered under my Medicare advantage plan. Asides this surprise I was glad with the coverage that I receive with my Medicare advantage plan.

If you are a healthy person, it is recommend you stay on the Medicare advantage plan. If you see the Dr. a regular basis I would take a strong look at a Medigap plan, which eliminates all your co-pays and would’ve take care of my CAT scan. You have to do something extra as well to get your drugs covered with a Medigap. Prescriptions under Medicare advantage have usually been under $10.

Firms tend to offer an early enrollment discount for those who enroll in their plan within a certain time period after turning 65. This discount usually is reduced over time; however, when enrolling at or near age 65, the discount can make one company’s rates better than another.

Understanding Medicare


Ever heard of the statement – a Medicare Supplement is the “Cadillac” of Medicare health plans because of its outstanding health coverage (bases on Medicare Supplement Plan F ), predictable costs, and the freedom to choose almost any doctor, specialist, and hospital that you need or want. For many seniors is it vital to understand this article as it basically gives a good idea of knowing if you have made the right choice or not. With only Medicare, you are subjected to paying approximately 20% of all medical costs. With a Medigap plan, however, you can greatly reduce or, with some plans, completely eliminate your out of pocket costs.

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If you are on Medicare, are 65 years of age or older, and are on a fixed income, then a Medicare Supplement Plan is definitely something you should consider looking into. These additional benefits have proven to be extremely beneficial time and time again, so why not take advantage of the offer? Work with a Medicare supplement brokerage to help evaluate and, if it makes sense, apply for a new Medicare Supplement Plan today to get the cheapest most affordable rate with the best rated company available to you based on your heath. You always have the option to change your plan later on. Assess and think about the other options even after you’ve chosen and signed up for a specific plan.

Most noticeably is the flexibility of a plan to adapt to life’s ups and downs and, take on extra expense. To be able to uncover the most effective Medicare Supplement Plans, consequently, you’ll want to take benefit of an agent as they will be in the most beneficial feasible position to locate the most effective feasible policies that will be suitable for you. Typically this is a much far better selection than going straight to a huge firm and via an independent broker you may be able to find the very best alternatives obtainable.

Once a Medigap plan has been decided upon, it’ll be pretty effortless to sign up; it is the process to acquiring there which take the time. But it’s time well spent, as the plan will most likely be needed by means of the years, and there are some awful stories from individuals who have not had adequate cover. Once signed, coverage will commence straight away, and you’ll be able to move on doing what you take pleasure in, understanding you’ve got the valuable safety net at your back



Medicare Supplemental Plans – Options (Part 2)

When thinking about medical supplement plans, it is vital to understand the accessible options to interested individuals. There is naturally a lot of talk that Medicare advantage will be on the chopping block as the national health plan goes into effect. If you believe that healthcare costs are going to go down with a national health care plan, you are delusional. The insurance companies are not stupid, and paying for more people and allowing for pre-existing conditions is going to cost someone and that someone is going to be you… Just be prepared… and you won’t be surprised.

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Now, the bottom line, all the plans my friend are the same. Did you hear that, all the plans are the same? It is like a flat screen TV that is being sold by multiple stores. It is the same product but it may be less expensive with one store verses another. So, you should shop price, price, and more price. That is the way you win this game. Do not be fooled by the agent when they tell you their product or value is better. That is not possible. Their price may is lower, and that is something you can hang your hat on.

Are the plans easy to comprehend? No, you will have to do a lot of research by yourself. Also if you are interested in a Medigap plan, you will eventually end up speaking to a salesperson, you can bypass the salesperson if you choose a Medicare advantage plan.

Something to keep in mind, if you choose a Medicare advantage plan, is to let the doctor know the name of your plan on making your appointment… The advantage plan is an insurance contract with a third-party, that is assigned the premium, deducted from your Social Security check. The insurance company stands in place of Medicare coverage. This is somewhat confusing, but helpful nurses will show you the way to cut through the clutter.

Therefore, calm down, and be cool by this entire information overload that you will get. Compare prices and go with the best priced plan. Do not think that a national carrier is more reliable and pays more that is non-sense. Each carrier has to be certified each state that they want to do business in. They would not be doing business if they were not up to standards of the Insurance Commission as expected from us.