Turning 65

Are you turning 65 or older?­ Are you losing your group coverage? ­ If so, there are special enrollment period rights where all Medicare Supplemental insurance companies have to accept you and cannot ask any health questions. ­If you are turning 65, you have until 65 1/2 to enroll on a guaranteed issue basis.­ ­If you are losing your group coverage, there is a 63-day period where your group coverage ends and you need to enroll on a guaranteed issue basis.­If you need medical or hospital care, Medicare does a good job but you will still need to pay deductibles and copays. ­This is where a Medicare Supplement plan can come in handy. ­ A supplemental plan can cover these deductibles and copays so you have no out of pocket expenses. ­ You can expect to have.......­

  • Coverage from day one with no waiting periods for pre-existing conditions

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  • No health questions asked with guaranteed coverage

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  • Freedom to choose your own doctors and hospitals

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  • Virtually no paperwork of claims to submit

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  • Medicare Part D drug plans also available

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  • Hospitalization Coverage - Plans F, G and N pay the $1,364.00 Medicare hospitalization deductible and all hospital copays. ­You pay nothing.­

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  • Medical Coverage­- After a $185.00 medical deductible is met, Medicare pays 80% of your medical expenses for the remainder of the year. ­ Plans F, G and N will pick up the other 20%. ­This includes office calls, specialist visits, emergency and urgent care, diabetic supplies, MRIs, X-rays, ambulance charges, chiropractic care, preventative care, physical and speech therapy and outpatient ­treatments and surgeries.­ Under Plan N, there are up to $20.00 copays for office calls and $50.00 for emergency room visits.

­­If you want a Medicare Supplement plan that takes care of all ­deductibles and copays for medical and hospital care, then­ Plan F Medicare Supplemental Coverage is an excellent option. You will basically have zero copays on medical and hospital care such as:­ office calls, specialist visits, preventative care, physical therapy, ambulance charges, chemotherapy, chiropractic adjustments, inpatient and outpatient surgery.­If you don’t mind a once-a-year $185.00 deductible, then a Plan G ­Medicare Supplement plan may be for you. ­You can meet ­your deductible through ­office calls or medical expenses. ­Once the deductible is ­met, then for the rest of the year, Medicare covers your medical expenses at 80% and Plan G picks up the remaining 20%. ­You pay zero copays on office calls, specialist visits, preventative care, and inpatient and outpatient surgery after the $185.00 deductible is met.A Plan­ N Medicare Supplement plan is very similar to a Plan G. ­You ­still have a $185.00 once-a-year deductible and then Medicare covers ­your medical expenses at 80% ­and the Plan N picks up the remaining 20%. ­­With a Plan N, however, you would have up to a $20.00 copay on office calls and $50.00 ­copay for emergency room visits. ­The $50.00 copay is waived if you're admitted into the hospital. ­ The Plan N Medicare Supplemental Plan usually has much lower premiums than a Plan G or Plan F Coverage.**Starting January 1, 2011, yearly wellness visits and preventative care services are not subject to the $185.00 deductible or the $20.00 copay. ­­These will be covered 100%. ­ That’s part of the new health care reform bill that just passed.If you would like a free price quote and/or information by mail ­on Plans F, G and/or N, please contact us at 800-847-9859 or fill out our online form with absolutely no obligation.­