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Seniors

Are you lost in the
Medicare Maze?

WE CAN HELP!

We are Proud Members of the
Society of Certified Senior Advisors(CSA)®

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.

ORIGINAL MEDICARE

Medicare is a federal health insurance program for people 65 years of age or older. 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 2010 Premium and coinsurances are for Part A & Part B.

 Find the major 2010 Medicare Publications here 

MEDICARE ADVANTAGE PLANS

Medicare Advantage plans have recently been approved by the Federal Government as an alternative to Medicare and Medicare Supplements. The premium for these plans start out at $0 but you have to be eligible for Medicare and continue to pay your Part B premiums.

We'll compare the top companies and find the right fit for you. Just fill out our on-line Medicare Advantage Quote form.

We carry the major companies for Arizona. They are;

 
AARP MedicareComplete
Aetna
APIPA
CareMore
Cigna
Desert Canyon
Evercare
Health Net
Humana 
Secure Horizons 
Unicare
Universal

Most of these plans pay your Part A and Part B deductibles for you and have doctor co-pays of $0 to $30. Many plans also include the Part D prescription drug coverage. Some plans have a "maximum out of pocket" limit to protect you financially. These plans compare favorably to Medicare Supplement Plan F.

Some of the Medicare Advantage plans will require you to select a primary care physician who will also refer you to a specialist if needed. You pay the co-pay for both doctors. Some people don't like this type of plan so other Medicare Advantage plans are available that do not require a referral. Still other plans allow you to see any doctor that will accept Medicare and the plans payments.

You can apply with Unicare on-line by following these Links.

DRUG COVERAGE

The Part D prescription drug coverage is a must for all seniors. Although you do not have to sign up for it there are penalties for not doing so, also you may not be able to sign up for it when you need it. The only time you can sign up is every year from November 15 to December 31. The penalty is 1% of the national average of all Part D plans for each month you were eligible for but did not sign up for Part D.

Medicare Part D guidelines permit a yearly deductible of $310 before you receive benefits. You will then pay approximately 25% for your medication until both you and the insurance company has paid $2830. You will then go into the "Donut Hole" where you pay 100% of the discounted medication cost. After your out of pocket cost have reached $4550 you will then go into catastrophic coverage and pay approximately 5%.

Many of our plans do not have a deductible and some even offer some coverage through the Donut Hole.

Some Medicare Advantage plans have Part D coverage included. We have stand-alone Part D plans starting at $10.30 per month. 

MEDICARE SUPPLEMENTS

Medicare Supplements are health insurance policies sold by private heath insurance companies to fill the "gaps" in Medicare coverage. We have plans A through L available.

We carry the most competitive plans available for Arizona. They are:

AARP
American National
American Republic
Blue Cross
Conseco
Lincoln Heritage
Medico
Mutual of Omaha
Unicare 

There is much too much information about these plans to go into more detail here. For more information or to get a quote, fill out our online Medicare quote form.

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.