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How to Find & Compare Medicare Part D - Prescription Drug Plans
http://www.SeniorSavingsServices.com See how to find and compare Medicare Part D Prescription Drug Plans. With plans changing for the upcoming calendar year it is a wise choice to learn how to compare plans. Review plan options yearly during Open Enrollment, which is October 15th thru December 7th. Have you had medication changes? Is your medication covered by a Part D plan? What do you need to have to compare Part D plans? What should you look for when comparing Part D plans? This video was created to educate and answer these questions and more. See more about the Medicare Part D Enrollment Penalty by viewing: https://www.medicare.gov/part-d/costs/penalty/part-d-late-enrollment-penalty.html Some Medicare Part D changes for 2018 include a maximum deductible (if a Part D plan has) of $405.00. $3,750 Initial Coverage Limit before the Donut Hole, and $5,000 in True out-of-pocket expenses. The Donut Hole percentages are decreasing where you will spend 35% of the cost of name brand drugs and 44% of the cost of generic drugs.* See an illustration on how the Donut Hole works by viewing http://http://www.seniorsavingsservices.com/what-is-the-donut-hole/. *Applies only to drugs covered by Part D plan. Don’t assume medications that were covered this year will be covered next year for the same cost. Compare Part D Plans so you can find the right coverage for yourself.
Просмотров: 8380 John Bush
How to Choose a Medicare Drug Plan - 1-877-88KEITH (53484)
How to Choose a Medicare Drug Plan. Complete Medicare Resource Center here: http://www.MedicareonVideo.com 1-877-88KEITH (53484) Important Points to Know about Obtaining Medicare Drug Coverage When enrolling for Medicare you can get coverage for prescription drugs. Medicare drug coverage is available through private insurance companies approved by Medicare. There are different ways to obtain the coverage with associated costs that vary depending on other coverage used with this plan. It is important to know how this works with other insurance you have in order to get the best coverage. Here is what you need to know about this option. How Do You Get Coverage You have two options to get drug coverage including through Medicare Part C Advantage Plan or through Part D Prescription Drug Plan. The most common way is through Part D. This plan can be used with original Medicare and other plan option such as a Medical Savings Account (MSA) or Medicare Cost Plans. Part C or Medicare Advantage Plan includes using a PPO or HMO along with benefits similar to Part A and B. You may be required to sign up for Part A and B in order to obtain Part D with Part C. Medicare drug coverage options may vary and could change depending on what Part C covers. Associated Costs and Getting Help Your income will determine how much you pay toward prescription drugs. If you receive Social Security you can have costs deducted from your Social Security payment. You may be required to satisfy an annual deductible before the drug coverage starts to pay. You may be required to pay a copay or coinsurance after paying a deductible (if your plan has this requirement). There are drug plans with different tiers that show how much you could pay depending on related costs. Generic drugs may have cheaper copay than name brand. The copay can be anywhere from a few dollars to $10 or so. The coinsurance is roughly a percentage of what the beneficiary pays before Medicare insurance covers costs. An example may be 20 or 25 percent. When you pay for drugs you are paying for a month supply unless stated otherwise. There is potential for out-of-pocket costs to be paid by the beneficiary if the insurance does not cover the cost, but in few cases this is rare. Additional Tips on Drug Coverage You can get help paying for Medicare drug coverage if you qualify. You may need to provide proof of documentation to show your eligibility for assistance. Such options may allow you to pay just a few dollars for medicine. You can obtain help when you are receiving medication and before your supply runs out for the month. The amount you pay for your plan varies based on drugs used, plan option, where you go to obtain prescriptions, if the drug is on the formulary approved by Medicare, and whether you qualify for assistance in paying for drug costs. You may qualify for assistance by your state if you receive Medicare Part A and/or Part B coverage. Enroll for coverage during the initial period to avoid paying penalites. Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn Watch My Most Recent Video Here: https://goo.gl/jzN8Rn ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Просмотров: 20755 Keith Armbrecht
Medicare Part D | Easy Steps to Find the Right Part D Plan
https://www.remedigap.com | 888-411-1329 Medicare Phone Number: 1-800-633-4227 www.medicare.gov Dealing with the thought of Medicare Part D might seem overwhelming, but today I’m going to show you how easy it is to find the right Part D plan using Medicare’s Plan Finder Tool. So, why is it important to use Medicare’s plan finder tool, instead of just buying the Part D plan your friend, spouse or neighbor uses? Well, there are more than 20 part D plans available and they’re not a one size fits all type of insurance coverage. Just because your friend’s plan works well for them, doesn’t mean it will work for you and your medications.The point is to find a Part D plan that covers your existing medications for the least amount of money. And, thankfully, The Plan Finder tool provides you with an annual estimate of costs based on your medications..so you can make an informed decision about your Part D Plan. To learn more about Medicare, sign up for my free Medicare eCourse -- you learn on your schedule. I cover all the parts of Medicare, enrollment periods, deadlines, penalties, Medicare Supplement insurance and more. Our Medicare eCourse can be found by clicking on the link below: https://www.remedigap.com/ecourse/
Просмотров: 21816 REMEDIGAP
Medicare Part D - 5 Things To Know Before You Enroll in a Part D Plan
Call (888) 310-0376 to Compare all Medicare Part D Plans in Your State. Get Instant Access to my Medicare mini-course. Visit: http://medicare-mini-course.com In this video I explain 5 things you should know about Medicare Part D before you enroll. There have been significant changes to the Part D program since its inception in 2006. Visit http://affordablemedicareplan.com and get access to hundreds of articles on Medicare Part D, Medicare Advantage and Medicare Supplement insurance. There have been changes to enrollment periods, how premiums are calculated as well as adjustments to the Standard Benefit Model. Some things haven't changed such as who is eligible to join and how plans work. Here are 5 things you should know about the Medicare Part D program and Part D plans in particular. One. You need to know what Part D is and how it works. So what is Medicare Part D? Part D is optional prescription drug coverage for Medicare beneficiaries who are enrolled in both Medicare Parts A and B. Although Part D is optional, you should enroll when you first become eligible or potentially be subject to the Part D penalty which will have an impact on what you pay for as long as you are enrolled in a plan. Part D is offered by private insurance companies and is not part of original Medicare. Plans are offered by service area and you must live in a service area to be eligible for a plan. You can get Part D in one of two ways; you can enroll in a stand-alone plan (PDP) or you can enroll in a Medicare Advantage Plan that includes drug coverage. Plans are effective for one calendar year. Two. Understanding the terminology of Part D is important. Medicare Part D Premiums -- Premiums are paid monthly and have ranged in the low to mid $30 range for the past few years. Part D Deductible -- The deductible is the amount you may be required to pay prior to your plan paying a share of prescription drugs. Part D copayment / Coinsurance -- This is the amount you pay at the pharmacy. Drugs are place in tiers and normally a plan has four or five tiers. Initial Coverage Limit -- This amount is set annually by Medicare and will be the same for all plans. It is the amount both you and your plan will pay prior to you reaching the Part D coverage gap. Medicare Part D Donut Hole -- This is the coverage gap that you may enter if you exceed the initial coverage limit. Part D Catastrophic Coverage -- This phase is reached after you have spent a fixed amount in the Donut Hole, currently $4750. During this phase you will pay very small copayments or coinsurance amounts for your drugs. Third. You should understand the Medicare Part D enrollment periods. There are 3 types of Part D enrollment periods. When you first become eligible you have a seven month window to submit an application. If starts three months before the month you turn 65 or if you will receive Part D due to a disability it will start 3 months prior to your 25th month of disability. The Part D Annual Election Period is the time to compare Part D Plans because you are able to switch, drop or enroll in a plan. Part D Special Enrollment Periods are time that you can enroll in a plan, normally due to a change in your individual circumstances. Such as, moving from a plan's service area or losing other creditable drug coverage like from an employer or union (including (COBRA). If you live in a nursing home you also are entitled to a Special Enrollment Period. The 5 Star Special Enrollment Period allows you the opportunity to switch into or enroll in a 5 Star-rated plan once per year. Plans are rated from one to five stars by Medicare and are a reflection of the experience people who have been in enrolled in the plan have had. You are allowed to enroll between December 30th and November 8th. If you qualify for Medicare extra help you can change plans anytime. Fourth. You must know how to conduct a thorough comparison of Medicare Part D plans. You can see all available plans for your service area at the Medicare Plan Finder at medicare.gov. But don't choose a plan based on premium alone. There's a lot more to plan cost than the monthly premium. Start your search for the best plan by exploring the Medicare Part D formulary for each plan. The formulary is the list of drugs which are covered by a plan. There is no universal Part D formulary, each plan will be unique. Formularies are either Basic or Enhanced. Making sure all your drugs are covered is your number one goal. Also compare: Plan Deductibles Copayments and Coinsurance amounts Pharmacy Networks Part D Mail Order benefits Fifth. You should be aware that your Part D premium may not be what is published at medicare.gov. Premiums are now tied to your annual income. If you qualify for Medicare extra help, you may pay $0 premiums, but if you earn over $85,000 as an individual or over $170,000 filing jointly, you are going to pay more.
Просмотров: 187164 David Forbes
Silverscript Part D vs. Humana vs. AARP & Other Medicare Prescription Drug Plans
Call 1-800-892-7981 or visit http://medicarefriend.com/ Hi there, I'm Glen with the Medicare friend. I have given advice to thousands of folks that are turning 65 and getting onto Medicare for the first time, and what I tell them is conveniently located below for you: Silverscript Part D vs. Humana vs. AARP & All Other Medicare Prescription Drug Plans You're getting ready for Medicare and you are wondering how in the world are you going to get your prescriptions covered and everybody is starting to mail you stuff. Silverscript and AARP and Humana- Humana is so hot right now! AARP is the one that your sister or brother or friend or mother or neighbor has and they love it so is that the best one for you? The correct answer is Maybe... Here's why- unlike Medicare supplements that are all standardized and have to offer identical benefits- Medicare Part D prescription plans can be very different. Each of these Insurance Companies gets to decide how much your specific prescription that you're taking is going to cost. Here's where it gets a little shifty- if a company is boasting that they have a $0 deductible that doesn't mean anything because they may have a much higher co-pay then the next one. And the company with the higher deductible could say that your prescriptions are in a lower-tier on their formulary. And ultimately you would end up paying less for the company with the higher deductible. Better yet some companies with high deductibles can say for your prescriptions, the deductible doesn't apply to them in the first place. And best of all some of the part D plans offer free 3 month supply prescriptions through the mail order. Each person that our team helps gets a thorough analysis on medicare.gov so they will know to the penny what they will pay on one plan versus another. So you can make sure you have the Best Plan! And another nice thing is every year we revisit this with you and make sure you are still in the Medicare Part D plan that saves you the most money overall. So if you get more prescriptions later, you're not stuck, you can switch to a plan that covers your new prescriptions the best. Call us now for a free consultation- We make this SO Easy for you! Talk to you soon. Here at the Medicare friend, we shop the entire market for you, because all we want is to see you happy, with great coverage, and keeping as much money in your pocket as possible. We have NO OTHER MOTIVATION than to give you the best of the best. Call us now or visit us at Medicarefriend.com to schedule a free consultation. Watch this video as well about finding the right Prescription Drug Plan: https://www.youtube.com/watch?v=00L_u7mGMPY&list=PLTdiZbMaqckKnSydt7Z_ROR4bUynHY9vl&index=3 Remember to subscribe to our channel for more valuable information. You can first visit our channel at: https://www.youtube.com/channel/UCoh8cpq6xjK567cg6pJ2Fng Visit our playlist: https://www.youtube.com/playlist?list=PLtQT-O3RJCf-1f-ObY4bzfQxso4LGkE4P Also searched: silverscript part d formulary Humana medicare drug plan affordable
Просмотров: 5237 The Medicare Friend
Medicare Prescription Drug Coverage: What Do I Need to Know?
Learn what you need to know about Medicare prescription drug plans (Part D) before you choose a plan. Learn more about Medicare Part D at https://www.aetnamedicare.com/en/understanding-medicare/medicare-prescription-drug-plans-need-to-know.html.
Просмотров: 538 Aetna
Medicare Part D Prescription Drug Plan (Mistakes to Avoid)
Medicare Part D Prescription Drug Plans. What you need to know about Medicare Part D prescription drug plans and the mistakes you must avoid. Making a mistake with Part D can be the most expensive mistake you make in Medicare. https://medigapseminars.org An independent Medicare Insurance broker 800-847-9680 FSee also: https://youtu.be/eIO9hg755zk See all our free Medicare educational videos here: https://medigapseminars.org/on-demand-webinar/ This video reviews what you need to know about Medicare part D prescription drug plans. We discuss the two ways you can get a prescriptions drug plan, when you can enroll and penalty. best part d drug plan when turning 65 best part d drug plan for 65 year old best medicare drug plan for 65 medicare drug plan search search part d plans
Просмотров: 10316 MedigapSeminars.org
How to Compare Part D Plans Using Medicare.gov - 65Medicare.org
Step-by-step guide to comparing Medicare Part D (prescription drug plans) on Medicare.gov. https://65Medicare.org
Просмотров: 286 Secure Medicare Solutions Inc.
Which is Better Plan F Plan G Plan N | Medicare Supplement
Whats changing in 2020? I'll go over that What is Medigap Plan G? I'll show you. What is Medigap Plan F? Come watch and see! What is Medigap Plan N? Find out Like us on FB: https://www.facebook.com/Medigap-You-166716423989752/ This video shows the difference between Plan F Plan G and Plan N, and why Plan F might not be your best choice. Medicare Supplement Quotes for Turning 65 Turning 65 Medicare Plans Medicare Supplement Quotes for North Carolina Best Medicare Plan for Turning 65 65 year old best medicare plan Medigap plans for 65 year olds Best Medicare Supplement for seniors medicare supplement plans medicare supplement plans NC medicare supplement cost medicare supplement comparison medicare supplement coverage best medicare supplement medicare supplement insurance plans aarp medicare supplement medicare supplement best medicare supplements compare medicare supplements medicare supplement plan G mutual of omaha medicare supplement best medicare supplements plan g aarp medicare supplement plan humana medicare supplement aarp medicare supplement insurance plans federal regulations on medicare supplement plans medicare supplement insurence medicare part d and rx supplement cards medicare supplement leads medicare supplement a a r p medicare supplement health insurance quotes which is the best insurance company that covers medicare supplements medicare supplement insurance cost medicare supplement rates
Просмотров: 2271 Michael Ferrara
Medicare Prescription Drug Plans
Medicare Prescription Drug Plans Gordon Marketing - http://gordonmarketing.com Medigap Central - http://medigapcentral.com Medicare prescription drug plans also known as Medicare Part D can be one of the most confusing parts of Medicare. Deciding if the least expensive plan in your area is really the best one for you will depend on several factors. Going with the least expensive plan can often end up costing you more in the long run. You will need to work with your local insurance agent to carefully look at your options to see which plan will benefit you the most in the long term. That may well be the least expensive plan, but we would not suggest that you purchase the least expensive plan automatically for the reason mentioned above. Your agent will be able to guide you and help you determine the best plan for you. Gordon Marketing 20224 Hague Rd Noblesville IN 46062 (800) 388-8342 https://youtu.be/WSTZXruSWpY Medicare Prescription Drug Plans
Просмотров: 109 Medicare For Dummies
How Medicare Part D Works in 2019
People new to Medicare are often bewildered when trying to understand how Medicare Part D works. While an optional pharmacy card seems like it should be fairly simple, it isn't. Medicare Part D has four stages: the deductible, initial coverage, the coverage gap (or donut hole) and catastrophic coverage. Medicare has a standard model which all Part D plans must follow, but within that model, they can set some their own premiums, copays and deductibles. This means that plans vary. One plan might have no deductible, while another might have a $100 deductible and another might have a $415 deductible, up to whatever limit that Medicare allows for that year. You will pay out of pocket for your medications up until you have reached that deductible, and that's when your plan will kick in and begin to pay some benefits toward your medications costs. This is called the Initial Coverage Level and during this stage, you will pay just a copay or coinsurance toward the cost of your covered medications. Each drug plan will have its own formulary (list of covered drugs) and usually there are 5 tiers: preferred generics, non-preferred generics, preferred brands, non-preferred brands and specialty medications. Each tier will have a set copay or coinsurance percentage that you pay whenever you will fill a prescription for one of the drugs in that tier. Medicare tracks your spending and the insurance plan's spending. When the total drug spending between you and the insurance company together reaches $3820 in 2019, then you will enter the coverage gap. During the gap, your plan can charge you up to 25% of the cost of your brand-name drugs and up to 37% of the cost of your generics. So you may find that during the Initial Coverage level you pay one copay for your brand name drugs and then during the gap, you will pay as much as 25%. This may increase or decrease what you pay out of pocket depending on the retail cost of the drug. While you are filling medications in the gap, or donut hole, Medicare continues to track all Part D spending. When that spending plus insurance company discounts reaches $5100 for the year, you then enter catastrophic coverage. At this state, the Part D insurance company must pay 95% of the cost of your drugs for the rest of the year. This protects you from catastrophic drug spending on very expensive medications. In my opinion, the catastrophic coverage is the most important reason for buying a Part D drug plan. We never know when we might fall ill, and this coverage can protect you. Boomer Benefits provides free claims support for life for all of our Medigap and Medicare Advantage policyholders so that you are never alone in dealing with Medicare. We also hand the annual Part D analysis for our policyholders for free as long as they have their Medigap or Medicare Advantage plan. New to Medicare? Attend our FREE Medicare 101 Webinar: https://boomerbenefits.com/webinars Get our FREE 6-Day Medicare Video Email course with bonus Medicare cost worksheet: http://boomerbenefits.link/mini-course To learn about Medicare and Employer Coverage: https://boomerbenefits.com/new-to-medicare/medicare-and-employer-coverage/ Join our 75,000 Fans on Facebook: http://www.facebook.com/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Subscribe for NEW YouTube Videos! Be sure to hit the bell to be notified whenever we publish them: https://boomerbenefits.link/subscribe ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Просмотров: 1657 Boomer Benefits
Why and How to Compare Part D Plans on Medicare.gov
This video shows you why and how to compare Medicare Part D plans using Medicare.gov
Просмотров: 390 Secure Medicare Solutions Inc.
Medicare Part D and Prescription Drugs
http://www.MedicareMadeClear.com - Are your prescription drug costs covered? For Medicare recipients, this is where Part D plans can help. Whether by itself or part of a Medicare Advantage plan most Medicare recipients need Part D plans to help reduce out-of-pocket drug expenses. Y0066_101101_095633 File & Use 11062010
Просмотров: 112290 Medicare Made Clear
Best Medicare Supplement (2018) - Find the Right Plan
Best Medicare Supplement Plan {2018} Complete Medicare Resource Center here: http://www.medicareonvideo.com 877-88KEITH (53484) Best Medicare Supplement Plan: https://www.youtube.com/watch?v=WGqCGQNF5mw Medicare Plan N - https://www.youtube.com/watch?v=vORbZsWDrzg Best Medicare Supplement Plan 2017 and How to Find the Right Option for You The best Medicare supplement plan 2017, also known as Medigap policies, will help you get the most coverage when used with your Medicare healthcare insurance plan. Since there are so many options it can be challenging to find the right one for your needs. Beneficiaries can do their homework to find the best options and to understand how they work with their healthcare plans. Most who apply will choose from standardized policies with specific details to pay attention to. Beneficiaries in Massachusetts, Minnesota, and Wisconsin have different regulations in place affecting how their policies are standardized. Why Are Supplement Plans Standardized and What Makes Them Unique? When seeking the best option to accompany your Medicare program healthcare insurance, it is important to understand these details. The standardized policies have provisions to help protect patients. The policies must meet regulations set by federal and state standards. Such standards help define it as Medicare supplement insurance. The policy is identified by its letter (A through N). Most policies offer the same protection but some offer more than others. Insurance companies provide options to beneficiaries regarding supplement policies to offer. There are a few things to keep in mind when finding best Medicare supplement plan 2017 to consider. Insurance companies offering them have regulations by the state to follow. The company may not be obligated to sell each type of supplement policy. The company is obligated to provide Plan A when giving other policy options. They should provide Plan C or Plan F when other plans are offered. Supplement polices may provide coverage for coinsurance if you have paid the deductible. In some cases the supplement policy provides coverage for the deductible. Tips for Comparing Best Medicare Supplement Plans 2017 There are various sources online people can use to compare their options. It is important to use credible options that provide detailed information about Medigap policies. Seek websites providing in-depth information on healthcare coverage options including Medicare, Medicaid, and other forms of health coverage that work with supplement policies. There are several aspects to compare that can help you understand how to cut down your options to focus on. When comparing plans take notes on what the plan covers and up to what percentage. Some plans may offer up to 100% coverage. Pay attention to services and benefits the plan offers. Learn each part the policy offers and what coverage is available. If you have Medicare Part A or Part D, compare services they cover and how much the supplement policy will pay. Some policies have a high-deductible and you may be required to pay up to a certain amount in a calendar year before your supplement policy kicks in. Services to pay attention to in regards to supplement policy options include hospital costs, hospice care, and care from skilled nursing facilities. Pay attention to doctors and hospitals in your network. There are trusted health news organizations offering there take on good Medicare supplement plans based on star ratings and in-depth comparisons. ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Просмотров: 42587 Keith Armbrecht
Compare Medicare Part D Plans NC 2016 & 2017: Formulary Drug List
http://www.medicareforher.com/part-d-prescription-drug-plans ... In today’s episode we guide you on the best way to go about comparing medicare part d prescription drug plans for the years 2016 and 2017, and how to find the formularies and drug lists. We are based in North Carolina, but conduct business all over the country, so this information is applicable to your state as well. Here is the conversation written out, for all of my visual learners out there :) Wendy: So in today's episode we have Deborah, she has written in and she is asking “Tripp can you please tell me exactly what I need to know about prescription drug plans, the Part D.”. So just to kind of fill you guys in, we have done a few episodes on traditional original Medicare and that encompasses Parts A and Parts B. So once you kind of learn that and get familiar with that, now we are to the point where we have to talk about Part D and how that plays. Tripp: Part D is for your medicines or your drug plan…that’s what it’s for. Wendy: Okay so we basically are at the point in somebody's decision where they have to decide now that I have Parts A and B, am I going to go with a Medicare Advantage that typically includes a drug plan…? Tripp: Most of the time, correct. Wendy: ...Or Medicare Supplement that normally doesn't, you have to go separately. Tripp: Right. They call it a stand-alone PDP prescription drug plan. So you would have original Medicare, your Medicare supplement to fill in the gaps… Wendy: Right, that twenty percent. Tripp: Yes, and then you have a stand-alone prescription drug plan for all your medicines. Wendy: And at first sound of that I think, well wouldn't that seem like a Medicare Advantage would always be the way to go, just a one stop shop where it includes the drug plan? But you have to take a moment and look at all the parts as a whole and all the benefits. Tripp: You would be surprised. Refer back to our video, maybe put a link or so. And look we did one on the differences of Medicare Supplements versus a Medicare Advantage. Real quick suffice it to say, if my parents were living they would have a Supplement. End of discussion for the day. I know we are not talking about that but and I am just telling you they would have a Supplement. Wendy: And so because of that, we need to talk about the Part B prescription drug plan. So if you do go the route of a Supplement, what do you do for your drug plan? Tripp: Yes and kind of a caveat, or if you stay with original Medicare; I have got clients and I don't know why they just want to stay with original Medicare and then just do a drug plan and they are responsible for that twenty percent. I don't necessarily like it or agree with it, but it is their money. So the prescription drug plans are run by private insurance carriers or private insurance companies that have been approved by Medicare to offer these drug plans to the Medicare market. So the government is not selling the plans, it is individual carriers and that's the challenge. There are hundreds of companies offering these prescription drug plans and within the hundred companies there is three four or five plans within each company, so then you might have a thousand different prescription drug plans to choose from and it can be a daunting task to kind of go through them. Wendy: Right and I know you have shared with me it is just something you choose not to get involved with because you like to be excellent at whatever you do and you just simply don’t have the time to learn about all the different caveats and… Tripp: That’s exactly right. So I'm at expert in Medicare Supplements and Medicare Advantage plans, so for me to try to remember or study a thousand different drug plans is just not feasible. It's kind of like that old saying “Jack of all trades master of none.” I don't want to be that guy so I’m here to help you on your Supplement more than anything. But the drug plans again, we can lead you in the right direction which we're going to do on this video. Wendy: Right. Okay so let's say somebody has Medicare Part A, do they need to get Part B in order to get Part D? TO CONTINUE READING, OR TO REGISTER FOR OUR UPCOMING WORKSHOP THIS WEEK, CLICK HERE: http://www.medicareforher.com/part-d-prescription-drug-plans CONNECT WITH US ON FACEBOOK HERE: http://facebook.com/medicareforher #medicarepartdplansinnc #comparemedicarepartdplansfor2016 #comparemedicareprescriptiondrugplans #medicarepartdformulary #medicareformularydruglist
Просмотров: 217 Medicare For Her
Medicare Prescription Plan Advisor with eHealth | Walgreens
Walgreens has teamed up with eHealth to make it easy to answer any questions you have for free about Medicare during the enrollment process. Their helpful team of advisors can provide personalized advice based on your specific prescriptions and will help you find the plan with the lowest total out-of-pocket cost. To speak with a Medicare Advisor, call toll-free today: 844-280-4950
Просмотров: 1507 Walgreens
The A, B, C’s of Medicare Prescription Drug Plans (Part D)
The A, B & C’s of Medicare Prescription Drug Plans (Part D) explained by Tim Hanbury and Jason Mackey, authors of Medicare Blueprint. This part of Medicare is the most complex of “Part” of Medicare because it’s so different than what you have with an employer or individual plan. Part D is broken down into four levels. You have a Deductible level, the Initial Coverage level, then the Coverage gap or the “donut Hole”, then you have the Catastrophic level. The good news is that most people won’t get past the Initial Coverage Level. Level one is the deductible level. These plans can have up to a $405 annual deductible. Except for some generic medications, you will pay the full cost of your medications until your deductible is met. Next is the initial coverage level. In this level, you will have either a copayment amount or you may pay a percentage of the cost depending on the medication and the insurance company offering the plan. You will have different costs for a generic medication, a preferred brand name and non-preferred brand name and specialty medications. You will continue in this level until your Total costs have reached $3,750 in 2018. At that point, you will transition into the Coverage gap or Donut hole. Once you meet the donut hole, your cost for medications will be 35% for the cost of brand name medications and 44% for the cost of a generic medications. You will continue in this level until your total costs meet $5,000 in 2018. They will apply the discount that pharmaceutical manufacturers are required to give on the cost of brand name medications. In 2018, they are required to provide a 50% reduction in the cost of a brand name medication. In 2019, this goes up to 70% of the cost of a brand name medication. What this means is that in 2018, you pay 35% of a brand name medication but 85% of the total cost is applied to the donut hole. In 2019, this will go up to 95% of the total cost is applied to the donut hole, but your cost goes down to 25% of the cost of a brand name medication. There are some costs that will not be counted in the donut hole. The most notable is that the discounts on Generic medications. Once your total costs have exceeded $5,000 in 2018 and $5,100 in 2019, you will then be in the Catastrophic level. In this level, your cost for a generic medication will be $3.35 in 2018. The cost for a brand name will be either $8.35 in 2018 OR 5% of the cost, whichever is greater. You stay at this level for the rest of the year. If you don’t sign up for Part D plan when you are first eligible, they will apply a penalty based on each month you didn’t have coverage and it’s a permanent penalty that will increase each year. While this penalty isn’t as large as the penalty under Part B of Medicare, it can add to your cost as this is “in addition” to the plan premium that you will pay. In most states, there are inexpensive plan options that are between $15 to $20 dollars. As with Part B of Medicare, if you areconsidered a “higher income” individual, there will be an Income Related Monthly Adjustment Amount based on your income from 2 years ago. Again, like with Part B, if you have a situation where you will be making less money once you are on Medicare, like retiring and not earning a wage, you can apply for a “Life Event” change form and ask for a new initial determination. How do I pick from the dozens of plans that are available? Medicare.gov has an excellent tool to help with this. When you go to Medicare.gov, on the home page you will find a green box called “Find Drug and Health Plans”. When you click on the box, it will take you to the plan finder tool. There are also other ways you can do this. You can work with an agent who can do this with you, you can call the insurance company that is offering the plan, or you can call Medicare directly and they will do the work for you. Here are the things you need to know when you are looking at coverage. You must review the listing of the covered medications, to make sure your medications are covered under the plan. You need to do this prior to signing up for a plan and then each year after because the formulary can and will change each year. You need to look at what pharmacy you want to use. This can have an impact as the pharmacy you want to see may not participate with the plan you are considering, and some pharmacies will have lower costs for your prescriptions. We recommend that you get a prescription plan when you are first eligible for coverage. You never know when you may need to get a prescription, one antibiotic can cost hundreds of dollars. Free Offer Complimentary Copy of Medicare Blueprint https://medicareblueprint.com/get-your-book/ Helpful Resources Medicare & You Guide https://goo.gl/qE5t1A Medicare Premiums: Rules for higher-income beneficiaries https://goo.gl/jtfGCm Medicare Blueprint Advisors MedicareBlueprint.com Facebook: https://www.facebook.com/MedicareBlueprint/ YouTube Channel: https://goo.gl/qcHBJH
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Medicare Part D - Prescription Drug Plans Explained for (2018 Medigap Coverage)
CLICK HERE http://seniormarketsolutions.com - 1-800-784-8969 Compare all Medicare Part D Plans in Your State with our Medicare experts. Medicare Part D is Medicare prescription drug coverage, offered through private, Medicare-approved insurers. Understanding what Medicare Part D covers and whether you should enroll in a Medicare Part D plan can be complicated, but we can help with all your Medigap choices. GET OUR FREE 2018 MEDIGAP AND YOU GUIDE JUST TAKE OUR QUIZ: Which Medigap Plan Is Best For You? CLICK HERE------https://www.qzzr.com/c/quiz/455510/wh... Let us help you with your Medicare Insurance Options, our services are 100% FREE to you. Keep Up With Medicare and Medigap Plans 24/7, Connect WIth Us Today! Medicare & Medigap Hotline: 1-800-784-8969
Просмотров: 96 Best Medicare Solutions for Seniors
How to Read your Medicare Drug Plan comparison (PDP comparison)
Did you create or receive a Medicare Prescription Drug Plan Comparison, but don't know how to read it? Watch this video to learn how to read it, and what to look out for.
Просмотров: 31 Kathe from MedicareQuick
Medicare How To Find The Best Part D (Prescription Drug Plan)
Medicare Part D Prescription drug Plan. How To Find The Best Medicare Part D Prescription Drug Plan Shop for the best Medicare Part D Plan. Call us at 800-847-9680 Our other YouTube Videos: https://www.youtube.com/channel/UC4vgYKig-7gkHDsBTIlR_3A https://medigapseminars.org An independent Medicare Insurance broker See our other educational Medicare videos here: https://medigapseminars.org/on-demand-webinar/ https://www.medicare.gov Have questions? Call us at 800-847-9680 How to shop for the best Medicare Part D Plan for you, using Medicare.gov. Never just accept a broker or agent recommendation for a Part D drug plan! They are all different and the cost difference can be substantial! Use Medicare.gov to shop for the best plan. It is the only resource that lets you compare all the plans available. We take you on a step-by-step guide through the process so that you can be confident you have the best plan and lowest price available ....all via Medicare.gov best part d drug plan when turning 65 best part d drug plan for 65 year old best medicare drug plan for 65 medicare drug plan search search part d plans
Просмотров: 12633 MedigapSeminars.org
How to Compare Medicare Drug Plans Online
================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.MedicareHero.com/ Facebook: https://www.facebook.com/Medicarehero/ LinkedIn: https://www.linkedin.com/company/medicare-hero YouTube Channel: https://www.youtube.com/channel/UC76BF06WxgcKZXrK4O438MQ
Просмотров: 156 Medicare Hero
How To Compare Medicare Part D Plans For 2016
Call (888) 310-0376 to Get Quotes on Top Rated Part D Plans. Here's how to compare Medicare Part D Plans for 2016. Pointers apply to enrolling in a stand-alone Part D plan or a 2016 Medicare Advantage plan which includes Medicare drug coverage (MAPD). Confused about your Medicare options? Get my Free 8 Part Video Mini-Course. Get Instant Access: http://free-mini-course.com When considering a 2016 Medicare Part D plan, keep in mind that the drug formulary is the key to finding the best Part D plan for your circumstances. The formulary is the list of a plan's covered drugs and which tiers they are placed in. A universal Medicare Part D formulary does not exist. All plans have their own formulary. Your goal when comparing plans is to find plans that include all your prescription drugs. Keep in mind that there are drugs that are not included in any plan formulary. If you have drugs that are not included, you will need to pay out-of-pocket or find manufacture's or community assistance programs to help cover the costs. Using a look-up tool, either at medicare.gov or a plan's website will help narrow your list of plans to consider and also give you an idea of annual costs. Because there are many factors that contribute to a Part D plan's annual costs, it's a good idea not to compare plans based on monthly Part D premiums alone. Costs are determined by; which drugs you are prescribed, Part D deductible, coinsurance and copayment amounts, Part D premium, whether there is extra gap coverage and if you reach the Part D donut hole. WATCH: Medicare Coverage Gap -- Tips to Avoid the Medicare Part D Donut Hole - http://www.youtube.com/watch?v=q83pNdCqTj8 Your goal is to find a 2016 Medicare Part D plan that includes all your medications and has the lowest cost. Once you have found suitable plans you can research the pharmacy networks and Part D mail order options. Part D plans are rated at medicare.gov with one to five stars. This Medicare star rating is based on other people's past experience with a plan and ratings may not have a bearing on which plan is best for you. The best Medicare Part D plan for 2016 is the one that includes all your drugs and has the lowest overall annual cost.
Просмотров: 30581 David Forbes
How you compare Medicare Drug Plans
When you need to check your drug plan? It is always good to see what your plan is doing year after year. Every year on October 1, you will be able to view what plan is going to help pay your prescriptions the best. A good tip is to look for the number to the right where you put in you list your medications and remember the date in which you enter them. Each year you will be able to load up your prescriptions by that number and date. If you make any changes, it will remember your changes and you will lose your any medications you wish to take off. If you move in the middle of the year, you may need to update your prescription dug plan. You will also need to update your list with your new zip code and let the system know it is your new zip code. If you run into more questions, please feel free to subscribe to our channel, use our site as your help desk and our email subscription as your resource on updates. Our site: Www.benefitsmedicare.com Site to compare drug plans: http://tinyurl.com/2c6o5fh
Просмотров: 9 Benefits Medicare
Compare Medicare Prescription Drug Plans - Bridgeport, CT
http://ctmedicarehealthplans.com - 1757 E Main Street, Suite C Bridgeport, CT 06610-2001 Call (203) 916-1840 or fill out form to request a quote - https://ctmedicarehealthplans.com/insurance_quotes.html#request_quotes medicare rates for ct Medicare advantage medicare supplement medicare medical insurance compare medicare plans medicare supplement premiums medicare insurance plans medicare supplement costs Prescription Drug Plan Medicare Part C Medicare Part D For More Information on Connecticut Medicare Insurance: http://blog.ctmedicarehealthplans.com/2016/10/medicaid-vs-medicare.htm http://blog.ctmedicarehealthplans.com/2016/09/medicare-open-enrollment-for-2017-plans.htm http://blog.ctmedicarehealthplans.com/2016/09/medicare-for-low-income-individuals-and-couples-in-connecticut.htm
Просмотров: 1 Best Plans
Medicare Supplement Plan G vs F vs N (What's Changing?)
Are you new to Medicare? https://medigapseminars.org/new-to-medicare/ Medigap Plan G. I discuss what you need to know about Medicare supplement Plan G vs Plan F and Plan N. I also compare Medicare supplement Plan G vs Plan N and Plan F. I compare Medicare supplements (aka Medigap Plans) to help you make an informed decision about which Medicare supplement is best for you. For most people turning 65, Medicare supplement Plan G will offer the best value today. However, there are changes in the relationship between Medicare supplement Plan G and Medigap Plan F and Plan N that you should be aware of before you make a decision. In this video, I will show you these changes and discuss how they may impact your decision making as you decide if the Plan G Medicare supplement is right for you. SUBSCRIBE to get a list of all my videos on Medicare: https://www.youtube.com/channel/UC4vgYKig-7gkHDsBTIlR_3A Call us 800-847-9680 email: info@medigapseminars.org Get a free quote comparison: https://medigapseminars.org/medigap-plans-independent-medicare-insurance-broker/m-quote-request/ In addition, I will also talk about the differences between the most popular Medicare supplement Plan choices today; the Medigap Plan G and the Medicare supplement Plan N and Medigap Plan F. Plus a simple technique you can use to evaluate which plan is right for you. Call us at 800-847-9680 Contact Us: https://medigapseminars.org/contact-us/ Visit: https://MedigapSeminars.org Our YouTube Channel: https://www.youtube.com/channel/UC4vgYKig-7gkHDsBTIlR_3A/featured Medicare Supplement Benefits Table 2020: https://medigapseminars.org/wp-content/uploads/2017/01/2020-Table.jpg Medigap Plan G is quickly becoming the most popular Medicare supplement in the country. This is for two reasons – first; because the previously popular plans Medicare supplement Plan F and Plan C are being phased out as of January 2020. Second, Medicare supplement Plan G is usually a lower premium AND a better value. Most people shopping for a Medigap Plan today find Medicare supplement Plan G as their best value. Let’s take a quick look at the Medicare supplement plans so you can see why: For example; Medigap Plan F show 100% coverage in each category all the way down. That means that Medicare supplement plan F covers 100% of all the co-pays and deductibles that you would normally have to pay with Medicare Part A (inpatient hospital coverage) and Medicare Part B (outpatient coverage). It’s a great plan and would be an easy decision for many people entering Medicare, except that it is being phased out in January 2020 and Plan G usually offers equal benefits for less money. Take a look -- Medicare supplement Plan G has all the same benefits except this row right here: Medicare Part B deductible. That is a calendar year annual deductible. It resets every January 01. It can change every year. In 2017 it’s just $183. We expect it to increase to $250 over the next five to seven years. That’s it. All you pay is the annual Medicare Part B annual deductible and your premium. Other than that, Medicare and your Medigap Plan G pay all your Medicare related in-patient and outpatient expenses. The math here is simple, if Plan G is $183 less in premiums per year, then it would be exactly equal to Plan G. You pay the $183 deductible out of pocket, then you have all the same benefits as a Plan F. However, Medicare Supplement Plan G is usually $300 to $400 a year less in premiums than a Medigap Plan F. That means you can pay the $183 Medicare part B deductible out of pocket and have money left over. That makes it a better value. People considering a Medigap Plan G often compare the price and benefits to a Medigap Plan N. Plan N usually cost much less than Plan G, but there is a catch! In fact, Medicare supplement Plan N can cost 25% to 35% less than a Medigap Plan G. However, Plan N has less coverage and an asterisks you need to be aware of. Just like with Medigap Plan G, with Medigap Plan N you pay that Medicare Part B deductible out of pocket. The asterisks indicate that you will also pay a small co-pay of up to $20 when you see a doctor, $50 for an emergency room visit. Medicare supplement Plan G is for those who want peace-of-mind. Once you have a Plan G you don’t have to worry about co-pays or excess charges or anything. You can see any doctor, whether they charge excess charges or not. You pay a little extra, but you have peace-of-mind that your healthcare is taken care of. for Part D drug plan info visit: http://www.medicare.gov Also visit : https://en.wikipedia.org/wiki/Medigap Get your Medicare Guide to supplements here: https://www.medicare.gov/Pubs/pdf/02110-Medicare-Medigap.guide.pdf And your Medicare & You Guide here: https://www.medicare.gov/pubs/pdf/10050-Medicare-and-You.pdf #MedigapPlanG #MedicareSupplements #Medicare #MedigapSeminars #MatthewClaassen
Просмотров: 45578 MedigapSeminars.org
Medicare Prescription Drug Plan (Part D): The Basics
All Medicare Prescriptions Drug Plans function that exact same way. It doesn't matter whether they are Stand Alone Drug Plans or attached to a Medicare Advantage Plan. This video will show you how they function and give you the good, the bad and the ugly of Medicare Prescription Drug Plans. www.graham.life
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How to find the best Part D Drug Plan
http://SeniorSavingsNetwork.org 1-800-729-9590 This explains how to find the BEST Part D drug plan for seniors when turning 65 or during the Annual Election Period. For complete, unbiased help in obtaining the lowest total cost Part D plan, you really must go through the Medicare.gov Plan Finder tool OR (better) use their call center which is open 24 hours a day. The best tip is to call the call center late at night, so that you do not have to wait on hold. best part d drug plan when turning 65 best part d drug plan for 65 year old best medicare drug plan for 65 medicare drug plan search search part d plans I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Просмотров: 141302 Christopher Westfall
Medicare Supplement Plan N vs Plan G (& Plan D)
Medigap Plan N, Medicare Supplement Plan N or Plan N vs Plan G and Plan D. In this video, I am going to review Medicare Supplement Plan N and compare the benefits and cost to Medicare Supplement Plan G and Plan D. Independent Brokers licensed in almost every state in the country. Subscribe to see all my Medicare videos! Call us at 800-847-9680 email: info@medigapseminars.org Get a free quote comparison of Medigap plans: https://medigapseminars.org/medigap-plans-independent-medicare-insurance-broker/m-quote-request/ Link to the Medicare Supplement benefit table for 2020: https://tinyurl.com/ycfnwlj5 Subscribe to Our youtube channel: https://www.youtube.com/channel/UC4vgYKig-7gkHDsBTIlR_3A or visit https://MedigapSeminars.org Medicare supplement Plan N can be a better value than Medicare supplement Plan G. This is especially true in states that have specific laws reducing the value of Plan G. In addition, some insurance companies are preparing for Medicare Supplement Plan D to be one of the top selling plans in Medicare. To be clear, I am referring to the Medicare Supplement Plan D and NOT Medicare Part D prescription drugs. Medicare supplement Plan D is a direct competitor to Medicare supplement Plan N. Is Medicare Supplement Plan N the right plan for you? Let’s take a look. When comparing Medigap Plan N vs. Plan G, people that prefer the Plan G to the Plan N tend to be people who would rather pay a little extra each month and avoid having to do the extra work to avoid excess charges. The plans are identified by letter across the top row. The category of Medicare services are in the left hand column. In the column below the Plan letter you can see the percentage of insurance coverage offered by that plan. You can find this table on our website and in various Medicare publications. With Medigap Plan N we see that it covers 100% “Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used up.). Notice that all the supplements have this coverage. Also, notice down here that Medicare Supplement Plan N pays the Medicare Part A deductible. In 2017 that deductible is $1,380 per event. It will change every year, but with a Medigap Plan N that doesn’t matter. Your supplement will pay it. Without a supplement you pay the deductible up front, then have 60-days of hospital coverage before you start paying a copay. With Medicare supplement Plan N you can be an inpatient in the hospital for more than 365 days with 100% coverage. You will have no out of pocket costs for Part A. The asterisks indicate that you have the Medicare supplement Plan N copay. You will be required to pay up to a $20 co-pay for every doctor visit and a $50 copay for every emergency room visit unless you end up an inpatient in the hospital. Then the $50 copay is waived. The important qualifying words here are “up to”…$20. Here is what you can expect. So notice that with Medicare supplement Plan N you have 100% coverage until you get down to this line item referring to the Medicare Part B deductible and Medicare Part B excess charges. Here Medigap Plan N has no coverage at all. You are expected to pay those fees out of pocket. That’s important. Later in this video I am going to go over a real life example using a common joint replacement that will clear up some of the most common questions and misunderstandings about Medigap Plan N. In order to evaluate if Medicare supplement Plan N is right for you, you need to know what the Medicare Part B deductible is and what it is expected to be in the future. It’s also critical that you understand Medicare Part B excess charges. So let’s focus on these and then go over a real life example to show you how Medicare supplement Plan N works with office visits, hospital stays and physical therapy. If a doctor or hospital does not accept Medicare assigned rates, they are paid 5% less from Medicare, but allowed to charge you 15% more. The amount the doctor or hospital charges you that is more than what Medicare pays the doctor for that service is called an excess charge. Excess charges are only allowed on Medicare Part B services. Those are outpatient and physician services. There are also some states that either forbid or severely restrict Medicare Part B excess charges. These state laws are called Medicare Override Measure or MOM laws. If you live in either Connecticut, Massachusetts, Minnesota, New York, Pennsylvania, Ohio, Rhode Island or Vermont your state either forbids or limits Medicare Part B excess charges. for Part D drug plan info visit: http://www.medicare.gov Also visit : https://en.wikipedia.org/wiki/Medigap Get your Medicare Guide to supplements here: https://www.medicare.gov/Pubs/pdf/02110-Medicare-Medigap.guide.pdf And your Medicare & You Guide here: https://www.medicare.gov/pubs/pdf/10050-Medicare-and-You.pdf
Просмотров: 23140 MedigapSeminars.org
2016 Medicare Prescription Plan (Part D)
Phil Dougherty, President of OnlyHealthInsurance, provides a detailed description of Medicare's Part D Prescription Drug Program. Understanding and navigating through the world of Medicare can be a daunting task. Phil helps clear up any confusion about the Part D program by providing information and recommendations to help you choose a prescription drug plan. www.onlyhealthinsurance.com
Просмотров: 552 OnlyHealthInsurance
Best Medicare Part D Plan
Best Part D Plan with Medicare! Get Free help: http://medicaresavingsolutions.com/ 1-800-663-5707 Hi my name is Devon West and I run Medicare Saving Solutions. I thought I’d put a video together to show you how to pick the best Medicare Part D Prescription Drug plan. It’s a lot easier than you might think, stay tuned. The easiest way to find the best medicare part d prescription drug plan is to go to Medicare.gove and click on the find health and drug plans button. Then you go to the medicare plan finder and you put in your zip code. We’ll put in 98335 here and click find plans and here it gives you a bunch of different options. Um you answer how do you get your medicare coverage? How do you, do you get help from your state to get help paying for your Medicare Prescription drug costs. I just pick a couple answers here to get on to the next thing. Then you go and it says enter your prescription drugs and down here you’ll type your name of your prescription drug. We’ll use simvastatin for this one and it lets you put in your dosage, quantity, frequency, and Pharmacy type if you want to do mail order. And we’ll do another one here we’ll do Advair and we’ll do the Advair inhaler and click find drug and it’ll let you do all the other options as well and add drug. And then click my drug list is complete and it’ll go to the next page here which is your pharmacy selection page and we’ll pick bartell drugs as well as Safeway pharmacy to see what the costs are there and continue to plan selections or results sorry. Takes a minute. Ok so here you can refine your plan results and you want to pick prescription drug plans um then you can choose the other two options, those are for Medicare advantage plans. So then you refine those plans and then it shows you the prescription drug plans starting at the top is the lowest cost plan over the year as you can see that one is 717. I believe that’s what It says, its kinda blurry on my end. Then it shows you your monthly premiums deductibles copays um whether or not your prescription drugs are on the formulary or any prescription drug restrictions. So we’ll click on the first one First Health Part D value plus because that’s what it shows is the lowest for these two medications and it’ll give you the plan details here in a second. So you’ll want to make sure the tab is highlighted drug costs and coverage and it shows how to contact the plan with the phone numbers up there. Um and then it shows bartell drugs and safeway and mail order and the differences between them all. Um if you do safeway it is a little bit less because they are a preffered retail cost sharing instead of bartells which is standard. Then the mail order pharmacy also gives you uh the option to do that but it costs a little bit more over the year. Then you can go back and select the your plan results button again and look at all the plans that are available to you and compare them. There are a few different ways you can go about choosing a plan, you can go to medicare.gov and go through plan finder which is what we just did and might be the easiest way for a lot of people. Or you can call Medicare at 1800medicare or you can just call us for free help choosing a medicare part d prescription drug plan or a medicare supplement plan. Again this is Devon West with Medicare Saving Solutions, if you choose to contact us we will help you choose a plan and we will not only help you at that time, but we will become your agent year after year to make sure you are always taken care of. Now let us help you choose the best Medicare Supplement Plan: https://www.youtube.com/watch?v=d_zcfcfRS7g Is plan F or plan G better?
Просмотров: 2715 Medicare Saving Solutions
Medicare Made Clear {2018}  - All You Need to Know About Medicare
Medicare Made Clear {2018}- All You Need to Know About Medicare. Complete Medicare Resource Center here: http://www.medsupsavings.com/ 877-88KEITH (53484) Best Medicare Supplement Plan: https://www.youtube.com/watch?v=4xUu2mM0aM4 Medicare Part D - Drug Coverage https://www.youtube.com/watch?v=jAxTxSg_dBI&t=6s Part D Penalty Video https://www.youtube.com/watch?v=iDXAhEi1Sd0&t=1s Video Sections: 08:33 Getting Ready for Medicare 10:55 Medicare Options 14:35 Part A 21:44 Part B 30:38 Part C 35:05 Part D Drug Plan 37:29 Medicare Supplement Plans 40:44 Enrollment Windows 42:01 Switching Plans edicare Made Clear Makes It Easy for You to Understand Medicare Options Medicare Made Clear is an health plan imitative by United Healthcare. It includes easy understanding information about Medicare and healthcare options available to you. As an information guide it offers comprehensive insight about healthcare coverage options through Medicare. The Medicare program is complex and this guide helps reduce fears and feelings of confusion in understanding coverage options available. A Good Place to Start Learning about Medicare Options Millions of seniors benefit from the federal government healthcare program Medicare. People qualify for coverage at age 65 or if they have a disability. The program offers different options to help you receive health care. Using an informative guide such as Medicare Made Clear can assist in understanding how your health care needs will be met. The guide is useful for people on any budget. There are details that can help you choose a plan for yourself, spouse or loved one you are helping to care for. What Information Do You Learn about Medicare? The guide answers a wide variety of questions about the Federal government health coverage program. The guide breaks everything down by offering definitions, descriptions, video tutorials, and an overall view of what Medicare can do for you. The following points offer a basic summary of what you will learn using Medicare Made Clear. • Differences between Medicare plans. Medicare offers 4 parts including Part A, Part B, Part C, and Part D. Each part provides coverage for health care including hospital stays, doctor’s visits and prescription drug medicines. Learn which part is best for you and your needs. • What you need to know before enrolling. The guide provides multiple things you should know about Medicare including plans through private companies, how they work, and services covered. • Differences between Part A and Part B. These parts often lead people to asking all sorts of questions about what they cover. Part A is hospitalization and Part B covers doctor services. Learn about services covered and which one has a monthly premium you need to pay. • Detailed overview of Medicare Advantage or Part C. This plan allows individuals to choose a plan through a private company approved by Medicare. This gives people an option to bundle different services together including preventative care and prescription medications. • Detailed overview of Medicare prescription drug coverage, also known as Medicare Part D. Parts A and B do not offer drug coverage. There is a deadline that applies for this coverage you will learn about. Plus, there are different coverage options you can choose from and get details on when it is the best time to enroll. • Medicare supplement plans aka Medigap. Medicare provides about 80 percent of health care coverage. This supplement option is another plan you can purchase to cover expenses not covered by Medicare. This gives you protect as it relates to “gaps” in your coverage. • Additional information you will learn includes how to choose a Medicare plan, how to save money with your plan, basics relating to Medicare and retirement and much more. ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Просмотров: 123903 Keith Armbrecht
Part D Prescription Plans In NJ for Medicare recipients
www.newjerseyinsuranceplans.com in Absecon, NJ 08201 How to find the best Part D plan for you in NJ.Video will show specifically how to use the free resources on Medicare.Gov and the State of NJ website to search for plans, save your results for later use and modify your results to get the best prices.
Просмотров: 131 Mike Sheeran, CFP®
How to Find the Best Medicare Plan; Medicare Advantage vs Medicare Supplement 2018
So which plan is right for you? Which plan fits your budget and healthcare needs. In Medicare Advantage vs Medicare Supplement 2018 we discuss your options and give you suggestions of what might work best for you and why. Please visit our site at http://nationalseniorsavings.com or call 800-708-5810 for additional information.
Просмотров: 18584 Mark Garrett
Medicare Tips: Medicare Advantage plans with $0 monthly premium?
Understand how a Medicare Advantage Prescription Drug plans can be zero dollars ($0) or have no premium. - All Medicare Advantage plans offer, at a minimum, the same coverage as Original Medicare, Part A and Part B. - These plans offered by private insurance companies can set their own prices and must be approved by the Centers for Medicare and Medicaid Services before anyone can enroll. - With a $0 plan, you’re getting Medicare Advantage for the same amount you would pay for Medicare Part B - And, the government pays the insurer an additional amount. - What you get with a Medicare Advantage plan, that you don’t get with Original Medicare is a cap or limit on your out-of-pocket costs of $6,700 or less. - In addition, many Medicare Advantage plans include a Medicare Part D prescription drug benefit – these are typically called Medicare Advantage Prescription Drug plans (MA-PD)s. And, these plans may also be available for a $0 monthly premium" Medicare has neither reviewed nor endorsed this information. _ _ _ _ _ _ _ _ _ _ _ _ _ _ Follow eHealth at: Facebook: https://www.facebook.com/eHealth Twitter: https://twitter.com/eHealth _ _ _ _ _ _ _ _ _ _ _ _ _ _ Get your Medicare questions answered by licensed professionals: http://medicare.com _ _ _ _ _ _ _ _ _ _ _ _ _ _ Get quotes and compare plans now at: http://www.ehealthmedicare.com
Просмотров: 719 eHealth
The A, B, C’s of Medicare Advantage Plans (Part C)
The A, B & C’s of Medicare Advantage Plans (Part C) explained by Tim Hanbury and Jason Mackey, authors of Medicare Blueprint. The first thing to know is that when you choose a Medicare Advantage plan, you are replacing or Transferring Original Medicare Parts A & B to a private insurance company. Because of that, all the benefit and claims payments are handled by the insurance company, not the Centers for Medicare and Medicaid Services. Under Original Medicare, all benefits and claims payment are made by CMS, not the insurance company. Under a Medicare Advantage plan, this is reversed. What Medicare does is it pays the private insurance company what they would normally spend, on average, for a person who is on Medicare. Insurance companies are required by CMS to cover the same items as Original Medicare. They may also cover additional items that are not normally covered by Medicare, like dental or vision services. Advantage plans, like most employer plans, are network-based plans. You are still required to pay your Part B premium under ALL Medicare Advantage plans. In addition, you must live in the “service area” that the plan is offered in. Most advantage plans offer prescription drug coverage as part of the Medicare Advantage plan. Keep in mind that the prescription coverage under a Medicare Advantage plan has the same structure as a separate Part D prescription plan. The way they cover prescriptions is no different under a Medicare Advantage plan than if you purchased a separate Part D prescription plan to go with a Medigap plan. Medicare Advantage plans usually have low premiums, less than $50 per month and there may be several “Zero” premium plans available. These plans have a single price which is not based on your age nor can they exclude pre-existing conditions. However, you must renew these plans each year as they will change. Prices for the plan and for services can change, doctors will go in and out of the network and prescription they cover can change yearly. Medicare doesn’t allow you to have both a Medigap and a Medicare Advantage plan at the same time. There are two main types of Medicare Advantage plans, HMOs and PPO’s. With an HMO plan, you must make sure the physician’s you want to see are participating with the plan. If they are not and you didn’t get permission from the health plan to see them, then the Advantage plan will not pay the claim. You will be responsible for the costs. Also, most HMO plans will require a referral from your primary care or family physician to see a specialist. A PPO or preferred provider organization allows you to see physician and hospitals who participate with the plan, but you can also see non-participating physician and hospitals, however there can be some additional costs to do so. In addition, most PPOs won’t require you to get a referral to see a specialist. Be aware that in many plans, expensive services such as MRIs and Chemotherapy drugs require you to pay a percent of the cost up to the maximum out-of-pocket amount. With many plans, you would pay 20% of the cost up to the maximum of $6,700. Plans can have lower maximums so be sure to look at this when evaluating different plans. You can join a Medicare Advantage plan when you are turning 65 or during a Special Enrollment Period. You can switch to any other Advantage plan each year during the Annual Enrollment Period or AEP which is from Oct 15 until Dec 7th each year. This year, CMS has changed what they called the “Medicare Advantage Disenrollment Period” to what they now call a “Medicare Advantage Open Enrollment Period”. They have extended that from January 1 to March 31st. If you switch back to Original Medicare, you can also join a Stand-alone Part D prescription plan. What’s new here is that this change also allows you to have a one-time only chance to switch from one Medicare Advantage plan to another during this 3-month period. You need to look and make sure the physicians and hospital you want to see are participating with the plan you are reviewing. If it’s an HMO plan, make sure your doctors are participating otherwise you may be paying for these visits yourself. If it’s a PPO, you should still check to see who is participating with the plan so that you know what your costs will be. The other item is to check the list of covered prescriptions or what is called a “Formulary”. Make sure your current prescriptions are covered and what the costs will be. Failure to check this can cost your thousands of dollars or you may simply not be able to afford the medication. Free Offer Complimentary Copy of Medicare Blueprint https://medicareblueprint.com/get-your-book/ Helpful Resources Medicare & You Guide https://goo.gl/qE5t1A Medicare Blueprint Advisors MedicareBlueprint.com Facebook: https://www.facebook.com/MedicareBlueprint/ YouTube Channel: https://goo.gl/qcHBJH
Просмотров: 4357 Medicare Blueprint Advisors, LLC
Medicare Advantage | Questions about Medicare Advantage Plans
http://www.MedicareAdvantageToday.com CLICK Here for more information or CALL now at: 800-350-5358 We'd like to talk to you about Medicare Advantage plans and how to choose a plan that suits your needs. During Medicare annual election period you will receiving mail from many insurance companies, asking you to join up with them. And that's where the confusion and hassle starts. Which plan should you choose? How do you go about reading and understanding all the different benefits and co-payments? Is my own doctor covered? Are my current prescriptions covered? Here are the most important questions you need to ask before you enroll in any Medicare Advantage plan. 1. Is my Primary care Physician contracted with the plan? 2. Is my Specialist contracted with the plan? 3. Are my Primary care Physician and Specialist under the same Medical Group? 4. Are my prescriptions covered and how much are the co-payments? We understand that it is difficult and time consuming to a choose a Medicare Advantage plan and we can solve all your Medicare problems for you. Here is what we do for you. We compare all the plans that are available in your area and make sure your doctor and specialists are on those plans. We check all your medications one by one to see if they are covered and then find out the cost. You then will be able to make an educated decision on which plan is the best choice for YOU. At your request, we will even set up an in-home appointment to meet with you personally in the comfort of your own home. To find out more on how to make the best decisions on YOUR Medicare Advantage plan, visit our website at: www.MedicareAdvantageToday.com If you'd like to discuss your own personal situation with one of our friendly Medicare specialists, call us NOW at: 800-350-5358. We at Medicare Advantage Today look forward to hearing from you soon. You can view our Medicare Supplement Video here: http://www.youtube.com/watch?v=f8Lk8CFSfTE Music: Kevin MacLeod (incompetech.com) Licensed under Creative Commons "Attribution 3.0"
Просмотров: 5053 HealthInsuranceToday
Medicare Part D Prescription Plans, do I get coffee with the donut hole?
You’re turning 65 and concerned about Medicare Benefits. This series is titled, Medicare, What's it All About? This is video 3 of 3, “Part D Prescription plans, do I get coffee with the donut hole”. Part D is prescription drug coverage that is offered through private Medicare-approved insurance companies. Every Medicare Prescription Drug Plan has its own list of drugs, called a formulary, for which it will provide coverage. A formulary is divided into different tiers according to the cost of the drug: drugs on a lower tier will generally have lower copayments than drugs on a higher tier. As Parts C and D are provided by private insurance companies, the monthly premiums of these policies depend on the extent of their coverage and can vary between companies. However, although the cost varies from plan to plan, the payment structure for Part D often can create a gap in coverage. Essentially, you pay monthly premiums for Part D all year, and with most plans you pay 100 percent of your drug costs until you reach your deductible amount. After your deductible, the cost of your drugs is split between you and your plan. However, once you and your plan have spent $3,310 on covered drugs, you’ve entered the coverage gap, and now will have to pay 58 percent of the price of generic drugs and 45 percent of the price of brand-name drugs. You will not exit the coverage gap until you’ve spent out-of-pocket $4,850 (Troop – true out of pocket expenses) on prescription drugs. At that point, you will qualify for “catastrophic coverage” and will only have to pay a small copayment for covered drugs for the rest of the year. You might have heard that Medicare and Social Security referred to as entitlements. Well you earned them with all your years of hard work. They are not gifts from the government. Grab your copy of “Turning 65 – The 5 Medicare Key Tools. https://rogersnmammano.leadpages.co/t65medicare/ You’ve been bombarded with tons of material in your mailbox and on TV. The terminology can seem confusing. This guide can help you. Know when you should sign up for Medicare? Why being early is better. You have options regarding your Medicare coverage. Do you want co-pays, deductibles, and choice of doctors? Learn the following: how to enroll in Medicare. Enrollment is not always automatic. What do all those Parts and Letters mean? Who pays for what? Why you need Medicare. You may not know this but there is a perk to turning 65 and it's called Medicare. I know who would have thought that. In today’s world it's pretty good medical coverage. And in the videos we want you to learn how to maximize your benefits. Don't forget to get your Free copy of "Turning 65 - The 5 Medicare Key Tools. https://rogersnmammano.leadpages.co/65medicare/ What you need to know about Medicare. A guide, to aid you in understanding the basics of Medicare Parts A, B, C & D and a whole lot more. Frequently Asked Questions What is Medicare supplement insurance? Medicare supplement (Medigap) insurance is sold by private insurance companies and helps cover the costs that Medicare doesn't cover. Can I purchase a Medicare supplement insurance plan? You are probably eligible to purchase a Medicare supplement insurance plan if you are enrolled in Medicare Parts A or B. If you are in your Open Enrollment period, insurance companies that offer Medicare supplement plans must allow you to purchase. Open enrollment is over. What now? You may still apply for Medicare supplement insurance at the company of your choice. However, they will review your medical history and current health using their application process. How do I pay for Medicare supplement insurance? You pay the insurance company that provides you coverage. You can typically pay for your insurance monthly, quarterly, semi-annually, or annually. This cost is in addition to your Medicare Part B expense. Will my premium ever change? It is likely your premium will change with the rising cost of healthcare claims. Each year, you may be subject to both an age increase due to your birthday and an increase due to the medical claims the insurance company has to pay out for policies like yours. Does Medicare supplement insurance limit my choice of doctor? No, you may select any doctor that accepts Medicare. Does Medicare supplement insurance cover prescriptions? No, Medicare supplement insurance does not cover prescription expenses. You will need to enroll in a separate Medicare Part D drug plan for coverage.
Просмотров: 134 Rogers & Mammano Financial Group, Inc.
Medicare Part D Drug Plan --- How to get the best one.
Everyone will need a Medicare Part D drug plan. Should you go with Humana, Blue Cross or ont of the others. In this video I will show you how to do it on your own, With the right Medicare Drug plan you may be able to stay out of the donut hole. The best way to get a drug plan that will cover all your drugs is to go to http://www.Medicare.gov or call the Medicare call center (800-633-4227) and speak to a plan counselor. They are open 24/7. James Grude 800-275-1844 http://www.SeniorsOnMedicare.com I tell my clients to call late at night or very early mornings. If you follow the way I show you I will guarantee that you will get the best drug plan in your area. Every senior needs to select a prescription drug plan. There is a way to check if your prescriptions will be covered by a plan. Not all plans are the same. You need to check if a plan covers all your prescriptions. Learn how to get the best plan at the lowest cost.
Просмотров: 3485 Seniors On Medicare
Compare Medicare Advantage Plans - Tips To Enroll In Your Best Plan
Call (888) 310-0376 to Compare Top Rated Medicare Advantage plans. Compare Medicare Advantage Plans by following these helpful tips to enroll in your best Medicare Advantage Plan option. Visit http://affordablemedicareplan.com to get access to hundreds of articles on Medicare Advantage, Medicare supplements and Part D insurance. The first tip to help you get the best plan is to compare Medicare Advantage Plans every year during the Annual Election period. Medicare Advantage Plan benefits, out-of-pocket costs and provider directories can undergo changes every year. Your current plan may suit your needs in every respect but may not for the following calendar year. and even if it seem like it will be suitable, there may be changes to another plan that by by-passed the previous year, that will make it your best plan option. When you compare Medicare Advantage Plans you should carefully review 3 plan documents for any Advantage Plan that you are considering. 1. The Summary of Benefits - All plan benefits and their respective costs will be outlined in detail. Do not enroll in a Medicare Advantage Plan only after reviewing the outline of benefits which is really just a top level view hitting the highlights. When you review the plan's Summary of Benefits, become familiar with what is covered, how much it will cost and what your annual maximum out-of-pocket amount is. Review the extra benefits like dental and vision so you're not disappointed when you plan on using them. Many dental and vision benefits are merely discounts and not insurance. Be particularly mindful of dental networks, as Medicare advantage Plans are notorious for skimpy dental networks. 2. The Medicare Advantage Plan Provider Directory - Too many people jump into a plan because their primary care provider is in network, only to be disappointed later when the lab or hospital that they prefer is not included. Be sure that your specialists, preferred hospital and ancillary facilities are in network as well. 3. The Part D Formulary - The formulary will list every drug covered by a specific plan. It will also indicate which tiers those drugs are placed in. Your goal is to find a plan that included all your drugs. To learn more about Medicare Advantage and Medicare supplement plans Get my Free 8 Part Video Mini-Course. Visit http://free-mini-course.com Lessons include: 1. What you need to know about Medicare Advantage before you enroll 2. The differences between the 6 types of Medicare Advantage plans and why it matters 3. Medicare Advantage Special Enrollment Periods you may have never heard of 4. The best time to buy a Medicare Supplement 5. How to buy a Medicare Supplement Guaranteed... regardless of your current health 6. The difference between the 10 standardized Medicare Supplements 7. What you should consider when choosing between Medigap & Advantage 8. Little known criteria you should consider when choosing a plan Get Instant Access Now... http://free-mini-course.com
Просмотров: 13236 David Forbes
Medicare Prescription Drug Plans - 2011
An overview of Medicare Prescription Drug Plans (Part D) and the requirements for enrolling. http://http://www.arkansasbluecross.com/LookingForInsurance/MedicarePlans/
Просмотров: 447 arkbluecross
Turning 65? How to Find the Best Medicare Drug Plan Video
Turning 65? How do I compare Medicare Part D plans? How do I avoid making a mistake? How does the deductible work? Video explains https://youtu.be/LaA9NnFeBXI Am I required to buy a drug plan? How often can I change my Medicare Part D? How much does Part D cost? Where do I find prescription drug plans? How much will my medications cost? site:http://www.georgia-medicareplans.com medicare part d A popular consumer magazine suggests using Medicare.gov to review plans. That’s all well and good but navigating the Medicare Part D maze is perhaps more difficult than any other topic. Here are a few terms you should familiarize yourself with before tackling drug plans by yourself. ICL - Initial Coverage Level Deductible Donut hole Catastrophic coverage Preferred pharmacy’s vs standard pharmacy’s Extra Help Drug List ID and Password Date Too often consumers purchase a drug plan based on the lowest premium. Or they will only consider plans that do not have a deductible. Another common mistake is believing your best choice is to buy your Part D coverage from the same carrier that sold you a Medicare supplement plan. My best advice is, “Don’t do that”. Don’t buy a drug plan based on the lowest monthly premium Always consider Part D plans that have a deductible Shop your drug plan separately from Medigap coverage Remember, Medicare Part D can be changed every year without regard to medical underwriting. If your agent does not review your drug plan options during AEP (Annual Election Period) perhaps it is time to find a new agent. Call me. I want to help. (404) 252-5859 Visit our secure website at Georgia Medicare Plans - https://www.georgia-medicareplans.com/ #GeorgiaMedicarePlans #GAMedigapQuotes #Turning65 Original Medicare has 4 parts. Medicare Part A covers hospital inpatient charges and has a per admission deductible Medicare Part B is for outpatient health care treatment. Doctor visits, labs, X-rays, MRI, CT scan (CAT scan), ambulance, ER, outpatient clinics, etc. Essentially any Medicare approved health care received outside the hospital setting. Treatment considered medically necessary under Medicare guidelines. Medicare Part B has a calendar year deductible. Once satisfied, Medicare pays 80% of the approved charge, you are responsible for the remaining 20%. Most seniors worry about hospital stays, but your major expenses will more than likely fall under Medicare Part B outpatient expenses. Original Medicare stand alone has no cap on your out of pocket expenses. You pay until you run out of money, get well or die. Medicare Part C is now referred to as Medicare Advantage. More on that later. Medicare Part D covers outpatient prescription drugs. Some Advantage plans have drug coverage built into the plan. 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. Shop and compare Georgia Medigap rates online. Instant quote. Up to 30 plans http://gamedigapquotes.com FREE REPORT for over 240 different GA Medigap carriers available on request. We quote Medicare supplement rates by phone and email your custom report. No obligation. 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. 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. How do you find the best Medicare drug plan? Ask us. We can help. Bob Vineyard and Georgia Medicare Plans offers advice on Part D every day of the week. Open enrollment is coming up. Find the drug plan that is right for you.
Просмотров: 42 Georgia Medicare Plans
Find a Part D Prescription Drug Plan
For med supp quotes, call us at 1-888-832-3132 or click here: http://saferetirements.com/medsuppquote. Please like this video and subscribe to our channel! This video will show you exactly how to use Medicare.gov to find the right Medicare Part D Plan (Prescription Drug Plan, or PDP) for the prescription drugs you are currently taking. Still have questions? Call us at 972-734-5858 to schedule your Medicare Consultation. Or, you can go to http://saferetirements.com/medsuppquote to get your quote for a Medicare Supplement Plan F, Plan G, or Plan N. Learn how to save your drug search and retrieve it later, learn about the late enrollment penalty if you miss the deadline, and how to compare all drug plans based on your current list of prescription. You will also find out how to see if a drug needs prior authorization or has quantity limits that your doctor needs to get involved with, learn how to select a preferred pharmacy, see mail order costs, and find out if or when you will go into the donut hole.
Просмотров: 417 Robb Rothrock
Part D Options When You Don't Take Prescription Drugs
Call us at 888-411-1329 https://www.remedigap.com/ecourse https://www.remedigap.com/medicare-supplement-videos/ https://www.facebook.com/Remedigap/ Medicare: 1-800-633-4227 https://www.medicare.gov/ I often get calls from beneficiaries wondering if they have to buy a Part D (drug) plan...especially, if they don’t take any medications. While it’s not required by Medicare, there can be consequences for not buying a Part D drug plan when you’re first eligible for Medicare. Join me in this video to see what options are available if you don’t need (or want) a Medicare drug plan. Option # -- if you don’t take any prescription drugs is to not buy a Part D plan right now, but wait until you actually need one. Now, that seems like a common sense approach..and perfectly logical, however, there are some things to keep in mind if you choose this option. At some point, you will probably need a part d plan, and when this happens,you can’t just buy it and have it start right away. Because, Once you’re out of your enrollment period, you have to wait until the Annual Election Period (10/15-12/7) to enroll and then wait until January 1 for the plan to start. You may also be hit with a Medicare Part d late enrollment penalty. Now, this isn’t a one time fee. It’s a monthly add on penalty...so, just like it sounds, it’s added to your Part D premium every month for as long as you have a Part D plan. Now, there are some individuals that are not subject to the late enrollment penalty. And, that includes anyone who is eligible for Extra Help also know as Low-Income Subsidy and anyone who had “creditable coverage”. This is drug coverage through your job, spouse’s job, retiree coverage or VA...and, what’s important is that your current coverage is as good or better than Medicare’s...this is the only way it’s considered Creditable Coverage. Now, keep in mind that you can’t just tell Medicare you had creditable coverage….you actually have to have proof...and it must be submitted to the Part D company within 30 days of their request. Let's say you don’t fall into these two categories and you decided not to get a Part D plan when you were first eligible, so you know a penalty is coming your way. And for example sake, Let’s also say that you went 40 months without coverage and now you’re signing up for a Part D plan. Your penalty is calculated by multiplying 1% of the “national base beneficiary premium” which just means it takes all the Part D premiums and comes up with the average...(so, in 2017 the average Part D premium is $35.63). So, 1% of 35.63 is .36 multiplied by the 40 months you went without coverage. Your Part D penalty is $14.40. Remember, this is a monthly add on penalty to your Part D premium and it will stay with you for as long as you have a Part D plan. And, it’s important to note that Medicare recalculates this penalty every year with the new base beneficiary premium. And as it increases, so will your Part D penalty. The second option is to buy a Part D plan when you're first eligible. Since you don't take any medications, it’s not necessary to pay a high premium for a plan. The point is just to have a plan in place to avoid a penalty when you do decide to buy a plan. Now, with that said, Part D plans are not a one size fits all. Some Part D plans cover certain drugs better than others. So, if your doctor has mentioned the possibility of you taking a particular medication in the near future, you might want to take that into consideration when choosing a plan. But, for most people a low premium plan is the best option. And, in this video I'll provide the steps you need to find the lowest monthly premium Medicare Part D plan.
Просмотров: 13090 REMEDIGAP
Medicare Advantage Plans Pros and Cons
Medicare Advantage plans are an alternative to Original Medicare and Medigap. Learn the PROS and CONS of this type of coverage. When you enroll in Medicare Advantage, you join a private Medicare plan that will pay your healthcare bills instead of Medicare. You agree to use the plan's network, and you'll pay for services as you go along. In this video, we share feedback from our own policyholders on the things they liked or didn't like about their Medicare Advantage plan. Be sure to check out this video before you enroll in any coverage. Get our FREE guide: Medicare Advantage vs Medicare Supplements: https://boomerbenefits.link/medigap-vs-ma-guide Boomer Benefits provides free claims support for life for all of our Medigap and Medicare Advantage policyholders so that you are never alone in dealing with Medicare. New to Medicare? Attend our FREE Medicare 101 Webinar: https://boomerbenefits.com/webinars Get our FREE 6-Day Medicare Video Email course with bonus Medicare cost worksheet: http://boomerbenefits.link/mini-course To learn about Medicare and Employer Coverage: https://boomerbenefits.com/new-to-medicare/medicare-and-employer-coverage/ Join our 40,000+ Fans on Facebook: http://www.facebook.com/BoomerBenefits ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Subscribe for NEW Youtube Videos whenever we publish them: https://boomerbenefits.link/subscribe ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ -~-~~-~~~-~~-~- Please watch: "Do I Need a Medigap Plan? " https://www.youtube.com/watch?v=IviJE3Yi_cw -~-~~-~~~-~~-~-
Просмотров: 40213 Boomer Benefits
Medicare Part D - the Prescription Drug Plan - is Working for Seniors
Washington got it right. Medicare Part D - Prescription Drug Plan - is working for seniors! Part D provides patients access to medicines at affordable prices. Better yet, patients' monthly premiums will average $30 in 2012...that's a 44% decrease from original projections (HHS). And Part D is saving money on other healthcare services! Part D saves Medicare about $1,200 / year in hospital, nursing home and other costs for each senior who previously lacked comprehensive prescription drug coverage (Harvard Researchers). But that's not all. Part D is already costing 41% less than initially projected (CBO). And patients like it. 84% of seniors enrolled in Part D are satisfied with the program (Medicare Today). Let's keep a good thing going! Medicare Part D keeps costs low and delivers high-quality, comprehensive coverage to seniors. Let's preserve it and the 4 million American jobs that the biopharmaceutical industry supports.
Просмотров: 1081 PhRMAPress
Medicare Advantage Plans 2019 - Unhappy With Medicare Advantage? How To Leave Your Plan In 2019
Medicare Advantage Plans 2019 Are Now! Learn how to choose the right policy when faced with hundreds of options to choose from. A Complete Medicare Resource Center https://www.MedicareonVideo.com Phone: 1-877-88KEITH (53484) Medicare Choices Made Easy Medicare Supplement vs Medicare Advantage plans - what is the difference What Does Medicare Cost in 2019? Everyone want to know about Medicare. Pre existing condition Medicare supplement insurance · Medicare drug plans comparison · enrollment period for Medicare · threshold for additional Medicare tax are other complicated without help. Do you want to learn how to sign up for Medicare if you have coverage through the Health Insurance Marketplace? Can I switch from Medicare Advantage to Medigap? Search our online video libraries, we have many videos answering all you r questions and can help you through the process if needed. A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover. Copayments are one of those things. You must stay informed because upcoming 2019 Medicare Advantage changes happens quickly. Medicare on Video is insurance agency specializing in Medicare supplement plans Medicare advantage plans and Medicare part d plans…actually we are a complete Medicare resource center. if you are unhappy with your Medicare advantage plan and want to go back to traditional Medicare this video shows that there are many options outside of the annual enrollment period that could allow you to leave your plan. If you are interested in changing your coverage from a Medicare Advantage to a Medigap plan it cannot be initiated without completing a medical questionnaire. For those who reside in a chronic care facility or have received a diagnosis of end stage renal disease you will not be eligible to enroll for the Medicare advantage plan at this time. one thing that is happening more and more to people on PPO Medicare advantage plans is someone can start out on a PPO Medicare advantage plan they have it for a few years. PPO’s still exist and if you purchase a PPO Medicare Advantage plan that does mean you won't have to deal with managed care but that's the only upside. Call 1-877-88KEITH (53484) for free quote on your Medicare supplement or for any advice on Medicare Advantage vs Medicare Supplement. When your Medicare cost plan passes you can acquire a special election period to join in a Medicare Advantage plan if you wanted to do that. Many people still choose to go with a Medicare Advantage plan. Medicare Supplement, or Medigap, insurance plans fill in “gaps” in basic benefits left behind by Original Medicare, Part A and Part B, such as deductibles, coinsurance, and copayments. Watch My Most Recent Video Here: https://goo.gl/jzN8Rn Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn QUICK AND EASY MEDICARE SUPPLEMENT QUOTES https://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Su... Twitter: https://twitter.com/medsupsavings.com LinkedIn: https://www.linkedin.com/pub/keith-ar... YouTube Channel: https://www.youtube.com/user/BigHealt... © Best Medicare Supplement Plans 2019 By Medicare On Video - All Right Reserved.
Просмотров: 2601 Keith Armbrecht
How to Use Medicare.gov's Prescription Drug Plan Finder Tool
Choosing the right Medicare Part D plan for your clients begins with their prescriptions. Using the Plan Finder on Medicare.gov, we teach you how to search for prescription drug plans. Download the Prescription Drug Plan Search Form shown in the video at: https://agentsurvivalguide.com/pdf/Prescription%20Drug%20Collection%20Form.pdf Interested in more articles, videos, and podcast episodes? Visit agentsurvivalguide.com #medicare #prescription
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Medicare Supplement Plans Texas
Medicare Supplement Plans in Texas | 844-528-8688 To compare rates https://mymedicaresupplementplan.org/medicare-supplement-plans-texas/ Find a doctor that is Assigned by Medicare https://www.medicare.gov/physiciancompare/ Medicare Supplement Plans in Texas The best way to make certain that you are getting the best rate on Medicare Supplement Plans in Texas is to call the Medicare Solutions Team 844-528-8688. We are independent insurance professionals that represent all of the Medicare Supplement Plans in TX and will help you select the Medicare Supplement plan that delivers the most benefit for your premium dollar. Some things that can affect the pricing of a Medicare supplement plan in Texas: 1. Household discount 2. Spousal discount 3. Tobacco usage (Texas allows for an up charge during your open enrollment period) Texas Medigap insurers offer the standardized Medicare Supplement plans that have been approved by Medicare. This means that each Medicare Supplement insurer must offer the benefits selected by Medicare as a minimum. Although Original Medicare provides comprehensive insurance coverage, there are gaps in the Part A and Part B coverage that must be paid out-of-pocket. By having a Medicare Supplement Plan (Medigap), you can reduce or eliminate these out-of-pocket expenses and be assured that you have complete health insurance coverage. The Top 3 Medicare Supplement Plans in Texas Insurers in Texas report that the top 3 Medicare Supplement plans are Plan F, G, and N because these plans offer the most comprehensive coverage for the premiums charged. Here are the coverage that each plan provides. Medicare Supplement Plan F Plan F fills all the gaps found in Original Medicare Part A and Part B except for prescription drug coverage which is a stand-alone coverage plan D. Medicare Supplement Plan G The Texas Medicare Supplement Plan G covers the same gaps that Plan F covers except Plan G does not cover the Medicare Part B deductible and is therefore priced lower than Plan F. Since the Medicare Part B deductible is only $185, the North Carolina plan G may be the best deal depending on your health circumstances. Medicare Supplement Plan N The Texas Medicare Supplement Plan N provides a little less coverage than Plan F or Plan G but comes in at a much lower monthly premium, making it the cheapest Medicare supplement plan in Texas. With the Texas Supplement Plan N, the policyholders are responsible for a $20 copay for doctor visits and a $50 copay for the ER. Plan N also does not cover the Medicare Part B deductible of $185 and does not cover any Medicare Part B excess charges which are allowed in Texas. Shopping for the best Medicare Supplement Plans in Texas can be confusing since there are currently ten plans to choose from. This is why we encourage you to contact the Medicare Solutions Team so we can thoroughly explain all of the options available to you. _________________________________________________________________ **Dont miss a single Medicare Supplement video Click Below to SUBSCRIBE** https://www.youtube.com/channel/UCpeawY2B_hUuZhV26QAwRuQ?sub_confirmation=1 _________________________________________________________________ Loran Marmes Medicare Solutions Team https://mymedicaresupplementplan.org/ Facebook: https://business.facebook.com/medicaresolutionsteam
Просмотров: 74 Medigap TV
Medicare Plan Finder Tool Training - Plan Comparison #1
See Plan Comparison #2: http://youtu.be/Tjw2pwMsUno
Просмотров: Angela Zeek