Month: September 2020

Medicare Supplements

Which Medicare Supplements Have the Most Comprehensive Coverage

Medicare Part A and Part B don’t pay for all your healthcare needs, which can leave you on the hook for out of pocket costs. Fortunately, Medicare Supplements, also known as Medigap, are sold through private insurance companies that contract with the Medicare program, which helps fill the gaps in Original Medicare plans. Medigap plans …

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Medicare Advantage PPO

How Does a Medicare Advantage PPO Work?

Shopping for the right Medicare Advantage (MA) plans doesn’t have to be complicated. Most people mainly choose between PPOs (Preferred Provider Organizations) and HMOs (Health Maintenance Organizations).  We will help clarify what Preferred Provider Organizations are and help you establish whether this is the right plan for you. What is a Medicare PPO (Preferred Provider …

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Automatically Enrolled in Medicare

How to Be Automatically Enrolled in Medicare

The process of enrolling in Medicare can be tricky, but thankfully most people are automatically enrolled in Medicare when they turn 65. This is because many beneficiaries meet the enrollment requirements to receive Medicare Part A automatically and qualify for premium-free Part A. While some beneficiaries are also automatically enrolled in Medicare Part B, several …

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Premium-Free Medicare Part A

Do I Qualify For Premium-Free Part A

Medicare is a federal government health insurance program that covers several different aspects of healthcare. The program consists of four parts, including Original Medicare (Medicare Part A and Part B). Medicare Part A is hospital insurance that covers room charges, nursing services, diagnostic services, meals, and rehab therapy administered by a skilled nursing facility or …

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Medical Underwriting With Medicare

Do I Have to Go Through Medical Underwriting With Medicare?

Medigap (Medicare Supplement) plans are a great way to cover the lapses in Medicare Part A and Part B. However, the application process for enrolling can be complex, and the most challenging part for many people is answering the questions. This part is known as medical underwriting. Medicare Supplement underwriting is usually needed when you …

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Late Enrollment Penalties with Medicare

Late Enrollment Penalties with Medicare

Medicare has several enrollment periods during which a beneficiary can enroll, cancel, or change their Medicare coverage. When you sign up outside of these enrollment windows, a late enrollment penalty may be applied by Medicare. CMS aims to prevent Medicare beneficiaries from signing up late to have their health coverage when required. Medicare usually penalizes …

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Employer's Insurance with Medicare

How Does Employer’s Insurance Work with Medicare?

Eligibility for Medicare starts at the age of 65. Some people who are still actively working even after turning 65 may also have employer’s insurance. Due to this, you can have both Medicare and employer’s insurance after age 65. For these people, employer insurance and Medicare can work together to ensure that your healthcare costs …

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Dental, Vision, & Hearing Coverage with Medicare

How to Get Dental, Vision, & Hearing Coverage with Medicare

As people sign up for Medicare, many beneficiaries forget to make a note of the insurance program limitations. While Original Medicare helps pay for medically necessary care, it is a different story when it comes to covering dental, vision, and hearing procedures. Vision, dental, and hearing care are not viewed as necessary, medically. Original Medicare …

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HMO and PPO Medicare Plans

What is the Difference Between HMO and PPO Medicare Plans?

Medicare Advantage (MA) is a common option for Medicare beneficiaries who want all their Medicare coverage options under one policy. There are several types of MA plan options, including the Preferred Provider Organization (PPO) plans and Health Maintenance Organization (HMO) plans. In this post, we’ll explore the differences between Medicare Advantage HMO vs. PPO plans. …

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