Rhonda Moore


Medicare Made Easy Pt 2

Posted by Rhonda Moore on

Medicare Made Easy Pt 2

How can I register for Medicare?

You can subscribe to Original Medicare through the pension or social security board, or in one of the following ways:

• online on the social security website

• Call 1-800-772-1213 from 7:00 am to 7:00 pm Monday to Friday. Call 1-800-325-0778 to get TTY services.

• Via a personal visit to a social security office

Whenever you contact the railway board commission if you’ve ever worked in a railway, call the RRB on Monday to Friday from 9.00am to 3.30pm at 1-877-772-5772. Call 1-312-751-4701 for TTY services.

Now, If you receive social benefits or retirement benefits before the age of 65, the Medicare A and B parts will be registered automatically. You will sign up for Medicare advantage plans here http://www.medicareadvantageplans2020.orgat the same time you apply for a retirement pension, through social security or train retirement. If this applies to you and you receive retirement benefits before your sixty-fifth birthday, you will be automatically enrolled in Medicare Parts A and B on the first day of the month you turn 65.

When you reach the age of 65 at the starting of the day of the month, your health insurance begins on the first day of the previous month.

If you do not get retirement benefits at the age of 65, you must manually register with Medicare. The first 7 month registration period is the first time you can register and start 3 months before you turn 65. This includes the month in which you turn 65 and ends 3 months later.Some people are entitled to Medicare before the age of 65 if they have received disability benefits or social security from the Pensions Authority for 24 months. If you are eligible for a disability, you will receive a health insurance card by e-mail 3 months before the date on which disability benefits will expire until the 25th month. Then you will be automatically registered at the 25th month.

Some patients may also benefit from Medicare if they suffer from amyotrophic lateral sclerosis or end-stage renal failure. Authorization and registration in these situations work differently. You can register for Medicare 24 hours a day, 7 days a week, by calling 1-800-MEDICARE (or 1-800-633-4227). Since you have to pay a premium for Medicare Part B, you can choose not to register or delay the application, but you may be aware that you may be penalizing for a late registration. A few months before age 65, you will receive an email containing the information you need.

How much does Medicare cost?

The cost of Medicare depends on the type of insurance you choose. With Original Medicare, monthly premiums depend on the number of quarters of your social security credits. You will receive a free part of Medicare if you worked at least ten years (i.e. 40 quarters) and you paid for Medicare taxes during this period. If not, you may need a monthly premium for Medicare Part A. The exact amount of the bonus depends on how long you work.


Medigap Plans and Medicare Insurance Plans

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Medigap Plans and Medicare Insurance Plans

There are several ways to get the benefits of Medicare. Depending on where you reside, you can choose from additional Medicare plans, original Medicare plans, Medicare Advantage and Medicare. This article compares two types of plans, Medicare cost strategies and supplementary Medicare plans to help you choose the right one for you.

What are Medicare supplement plans?

As the name implies, supplementary Medicare insurance plans (also called Medigap) are supplementary to the Original Medicare coverage. Depending on the chosen plan, part of the expenses can be covered in accordance with parts A and B.

The plans are not separate (you must register for part A and part B to purchase Medigap). They cannot be combined with Medicare Advantage. With the standardized Medicare supplemental plans at the federal level, a policy in New York provides identical basic benefits as plan A in Wyoming. Meanwhile, some states (Massachusetts, Wisconsin, and Minnesota) have their own version of some plans.

Pay a separate monthly premium for your Medicare supplemental insurance. Some plans also provide for an annual deductible before benefits come into effect.

What are Medicare plans?

If you’ve never heard of Medicare plans, you’re not alone. These plans are only available in some areas of the country. Many of them will expire in January 2019 and will become Medicare Advantage.

In a sense, Medicare plans work like Medicare Advantage plans. Network operators must be used to be sure of the cost plan. Meanwhile, if you are no longer on the network, the original Medicare will cover the insured costs as soon as the co-insurance and deductible amount is reached.

You can subscribe to a Medicare plan even if you only have Part B and can switch from Medicare to Original Medicare at any time. The prizes are defined by the plan itself and you have to pay the premium of part B in addition to the premium calculated by the plan.

Medicare plans vary widely. For example, some include only Part B services. Plans may include prescription drug insurance Part D. You may not have an annual deductible and that the cost structure determination plan is established by plan. These plans are usually offered by trade unions or employers as part of group health insurance. Each plan has its own set of rules, exceptions and restrictions. Hence, it is imperative to discuss with your broker to know all the features of your plan in order to reach a decision.

You may be able to combine Medicare plans with a Medicare supplement plan, depending on the processing of your requests. If your plan processes requests through Medicare, you may be able to purchase a supplemental Medicare plan. However, if your plan processes requests through Medicare Advantage, you will not be able to subscribe to an additional Medicare plan. Be sure to ask your plan administrator how to handle requests if you are interested in a Medicare supplement plan.

Do you need more information on Medicare plans and supplementary Medicare plans? A broker at https://www.medicaresupplementplans2020.com/ will be glad to help you find the information you need about additional Medicare plans.


Important Information about Health Insurance Plans

Posted by Rhonda Moore on

Important Information about Health Insurance Plans

Aging is a process which occurs in the life of everyone. As far are life is concerned, it remains a coherent truth. There are advantages and disadvantages that go hand in hand with aging. However, at the age of 65, retirement is envisaged. Some think the retirement is about the end of their lives, while others say their second life has just started. At the age of 65 in the United States, senior citizens are offered a “gift” on behalf of Medicare.

Medicare is a health insurance program set up by the United States Government to cover the payment of medical expenses and appropriate health care. It offers not only people over 65 years of age, but also people who retire prematurely because of a disability or a state of health. Medicare insurance provides part of the coverage, while Medicare supplemental insurance can be purchased individually to secure the remaining part.

No additional Medicare insurance is required for all persons. Medigap, as it’s called, fills the gaps in Medicare’s policy. Some individuals already have another insurance which fills the gaps in Medicare. It may include individuals who are retiring from a former employer or who have supplementary coverage from an employer. Now, if you decide to benefit from Medicare Advantage instead of Medicare, supplemental insurance is not an option. This might be quite puzzling. To help clients understand Medicare’s insurance and policy, it is recommended that you refer to the Medicare Supplemental Coverage Comparison Tables.

Many insurance agencies offer to explain the different Medicare supplement policies, however, it is better to ask for the help of an insurance firm that scrutinizes every situation and checks for the cost and options associated with many insurance firms. Since the insurance is fully regulated by the government, the policies consist of the same insurance, the differences are put into service and the costs of the various insurance agencies. Senior Health Direct, a web based company can provide free assistance and training on Medicare & Medigap supplement insurance. The Medicare government website is another source of information easily accessible on the Internet.

The basic distribution of health insurance consists of two parts; Medicare, Part A and Part B. Now, Medicare Part A is called Hospital Insurance and Part B, often called Medicare. Both are provided by Medicare. Primary care claims that 80% of approved medical expenses, doctors and supplies are covered by Medicare Part A. Part B offers a specific amount based on laboratory services, outpatient treatment and prevention. Neither of these basic Medicare policies provide insurance against prescription drugs.

Medicare Part D is part of Medicare Supplement Insurance, which can be bought for an additional cost. This can be acquired by independent insurance companies. This is not the only service that Medicare does not provide. It is absolutely necessary to check the different options of the supplementary programs. Some of the things that may be needed but not insured include: private nurses, long-term care, cosmetic surgery, only medically necessary retirement homes, dental care, health care outside the United States, foot care routine and vision care. insured by supplementary policies and not by traditional health insurance.