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Seniors
Are you lost in the
Medicare Maze?
WE CAN HELP!
Arnold Hunter
We charge no fees for our service and high pressure sales tactics are not tolerated. We are loyal ONLY to you, not to the insurance company and will help with service after the sale.
Find out what questions you need to ask before signing up with any plan.
SPECIAL NOTICE - The Medicare Advantage Dis-enrollment period runs January 1 and continues to February 14. During this time you can terminate your current Advantage plan and go back to original Medicare with a stand alone Part D plan. You may also elect to get a Medicare Supplement if qualified. Contact us for assistance finding a new plan.
ORIGINAL MEDICARE
Medicare is a federal health insurance program for people 65 years of age or older, or for those under 65 and are disabled or have End Stage Renal Disease. It pays for much of your health care, but not all of it. Such costs could be; prescription drugs, deductibles, coinsurance.
When you take into consideration the deductibles and co-insurance, Medicare pays on average 57% of your total health care costs.
See what the 2012 Premium and coinsurances are for Part A & Part B.
Find the major Medicare Publications and other links to information here.
ADDITIONAL COVERAGE
We will now begin to guide you out of the Medicare Maze. Find out what additional coverage options are available to you by clicking the following links.
To start, you may choose to read my white paper which explains how to choose a plan.
A Definitive 3 Step Approach to Choosing the Best Medicare Plan While Avoiding the Pitfalls
MEDICARE ADVANTAGE PLANS
These are the "pay as you go" plans with lower premiums but higher usage cost.
MEDICARE SUPPLEMENTS
These are the "all you can eat" plans with higher premiums but little to no usage cost.
PART D DRUG COVERAGE
This is a must have even if you don't use medications.
SPECIAL NEEDS PLANS
Medicare Advantage plans for people with specific illnesses or low income.
MEDICARE AND HEALTHCARE REFORM
Who ????????? Knows
LONG-TERM CARE INSURANCE
One of the biggest and most costly mistake people make about Medicare is thinking that it covers long-term care. It will only cover short term stays (up to 100 days) in a skilled nursing facility after a 3 day hospital stay. Visit my page on Long-Term Care for more information.
Other information of interest to Seniors |
