Medicare Health Plans

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Posted: Nov 2, 2017

Medicare and Medigap: Top Tips for a Perfect Fit

When it comes to your Medicare Supplement Insurance, there are some top tips to be mindful of. At Medicare Health Plans, we strive to make understanding the currently laws and all the available plans as clear and simple as possible.

Tip #1

Sign up for your Medicare insurance coverage on time!

Did you know that you have a six-month window to sign up for Medicare? Failing to do so can result in higher payments for the rest of your life. That’s right, the rest of your life! So mark your calendar, set an appointment and make certain that you don’t miss your enrollment deadline.

Tip #2

Medigap plans are not doctor or network regulated!

Unlike some insurance plans, with a Medigap plan, you can use any doctor or hospital you choose. You are not limited to a set doctor or limited to only one or a few hospitals. The choice of who to use is completely up to you. This brings immense peace of mind, knowing that the set pricing paid is not bound to a provider that you many not feel comfortable with.

Tip #3

Medigap plans only cover one person!

Currently, there is no “family plan” for Medigap insurance. If you are married or in a committed relationship, you will need to have a separate Medigap plan for each person. If you have a significant other who will be turning 65 soon: see Tip #1! Many Companies offer “household discounts” that will reduce your premiums – be sure to ask!

Tip #4

Pre-existing conditions are exempt only at certain times!

Medigap companies are not allowed to deny anyone coverage during the initial enrollment period. After that period; however, a Medigap company can either turn you down or rate your premiums for health conditions. There are some exceptions to the rule but the ideal time to enroll in a Medigap plan is when you are in your first six months of eligibility.

Tip #5

Buy a Medigap plan through a reputable, local insurance broker!

Unlike some other forms of insurance where you can sign up via government plans, to enroll in a Medigap plan, it’s best to contact a trusted, local insurance agent. And that is where we are here to help!

Did you know, since 1966, Medicare Health Plans has been helping individuals and families with their insurance needs? It’s true! Our reputation for providing quality insurance plans, primarily focusing on Medicare Supplement plans has made of one of the industry leaders in knowledge and expertise. We understand that insurance questions can be confusing and we work hard to give each person the time and attention they deserve to come to a full understanding of the benefits and advantages that various plans offer each person’s unique situation.

If you have questions, or would like more information regarding Medicare Supplement Plans, we would love to speak with you, either via phone or email.

Call us toll free at 800-844-0066.

Or, you can reach us via email at info@MyMedicareHealthPlans.com.

We welcome your follow on our social media platforms. Find, follow and join the conversation with us on Facebook at Medicare Health Plans or on Twitter at Medicare Health Plans.

At Medicare Health Plans, we firmly believe that Medicare coverage does not need to be hard or expensive!

 

Medicare Health Plans Focuses on Affordable and Easy Medicare Coverage

Posted: 10/2017

With these uncertain times of medical coverage, more and more Americans are choosing to add a Medigap supplement plan to their roster of health care plans for added coverage.

For many individuals, the task of figuring out and deciphering which plan works best for their needs can be overwhelming and intimidating. That’s where the family-owned Medicare Health Plans team comes to the rescue! For more than 50 years, Medicare Health Plans has been working with people from all across the country and providing solid, affordable medicare coverage options from a variety of nationally recognized providers.

There are currently close to 12 million Americans who have a Medicare Supplement Plan, also known as Medigap. According to Medicare.gov the optimal time to purchase Medigap coverage is when you first become eligible to enroll in Medicare. It is during this open-enrollment six-month window that you are qualified to purchase Medigap with no added restrictions.

Turning 65 can have many advantages and one of those is qualifying for the health care program that you have been contributing to your entire life. Medicare Supplement insurance is a way to add an extra layer of protection for yourself and your budget. Don’t let the process intimidate you: we here at Mature American Advisors are here to help!

Did you know, since 1966, Medicare Health Plans has been helping individuals and families with their insurance needs? It’s true! Our reputation for providing quality insurance plans, primarily focusing on Medicare Supplement plans has made of one of the industry leaders in knowledge and expertise. We understand that insurance questions can be confusing and we work hard to give each person the time and attention they deserve to come to a full understanding of the benefits and advantages that various plans offer each person’s unique situation.

If you have questions, or would like more information regarding Medicare Supplement Plans, we would love to speak with you, either via phone or email.

Call us toll free at 800-844-0066.

Or, you can reach us via email at info@MyMedicareHealthPlans.com.

We welcome your follow on our social media platforms. Find, follow and join the conversation with us on Facebook at Medicare Health Plans or on Twitter at Medicare Health Plans.

At Medicare Health Plans, we firmly believe that Medicare coverage does not need to be hard or expensive!

 

Medicare Supplement Plans and Medicare Health Plans: a Recipe for Success!

Posted: August 22, 2017

What’s the recipe for a sound health plan if you are a mature American? We have some excellent recommendations for you to consider as a helpful starter. First, let’s use the analogy of cooking up something tasty for our family table, like a piping, hot dish of lasagna. At the end, we’ll give you our favorite version of the recipe: it’s the perfect food for rainy, damp weather.

So, like the children wandering into the kitchen saying, “What’s for dinner?” Today, your question is: “What is Medigap?” Good question! Like the layers of ricotta cheese in our favorite pasta dish, Medigap is a simple name for Medicare supplemental insurance. It is an added insurance to help cover the gaps that Medicare does not pay for fully. This includes co-pays, and certain tests and procedures. In baking terms, it is the needful filling. For a person on a budget, it helps keep medical expenses more manageable.

Now, in the kitchen, you can’t bake a dish of lasagna on filling alone. The same holds true with Medigap. As you may know by now, in your research, a supplemental “Medigap” plan does not replace Medicare. You still need to sign up for full Medicare. We recommend both Medicare A and Medicare B plans be in place: that way you are fully eligible for a supplemental Medicare plan. We can call your Medicare A plan, your pasta layers, and Medicare B your meat. If you don’t have both of those, you’re missing out on something important.

Another proven ingredient in our success is that we carry reputable, nationwide carriers rated A+ by AM Best for our Medicare supplemental insurance. Providers who are trusted and have stood the test of time. Like a seasoned chef, we would never recommend inferior products! This is our secret sauce! And since our Medicare supplemental insurance plans start at only $85/month, they are incredibly affordable.

For those of you who cook, you may be thinking in your mind, “There is still something lacking from this recipe.” And, of course you would be right! For what lasagna would be complete without a full pound of mozzarella cheese? And how does that correlate to Mature American Advisors? Well, we like to think of that as our staff! We’re the best part of the dish and make you want seconds or even thirds! Medicare Health Plans is a family business: husband Mike, wife Debbie, and daughter Lindsey are all closely involved in the day-to-day running of helping meet their customer's’ needs. In addition, longtime staffers Cindy and Laurie work hard to ensure the office runs smoothly and efficiently and that no client’s needs are overlooked.

 

Our Team at Medicare Health Plans


Since 1966, Medicare Health Plans has been helping individuals and families with their insurance needs. Our reputation for providing quality insurance plans, primarily focusing on Medicare Supplement plans has made of one of the industry leaders in knowledge and expertise. We understand that insurance questions can be confusing and we work hard to give each person the time and attention they deserve to come to a full understanding of the benefits and advantages that various plans offer each person’s unique situation.

We hope this article has helped take away some of the mystery of Medigap. If you have questions, or would like more information regarding Medicare Supplement Plans, we would love to speak with you, either via phone or email. We can be reached via phone toll free at 800-844-0066 or via email at info@MyMedicareHealthPlans.com. If you’d like to call us and go over any additional questions or have us pull a no-obligation quote for you, we would be honored to meet with you.

We know your time is valuable, so we’ve gathered together our favorite recipes for every month of the year into a complementary cookbook: yours just for stopping by! As promised, our recipe for our favorite version of homemade lasagna is here for you to enjoy as well. Happy Cooking!

And finally, we welcome your follow on our social media platforms. Find, follow and join the conversation with us on Facebook at Medicare Health Plans or on Twitter at Medicare Health Plans. We firmly believe that Medicare coverage does not need to be hard or expensive!

Our Favorite Lasagna Recipe from our cookbook: Fun, Food, & Fellowship at your Family Table by Debbie Greenhill! Call us to set up your free Medicare plan review and receive your free cookbook! Happy Eating, Friends!

 

Moving Across State Lines:

Will your Medicare and Medigap plan still work?

Posted: July 13, 2017

Do you have a move coming up in the near future that involves crossing state lines? Perhaps you have wondered, or even been worried, if your Medicare or Medicare supplement (Medigap) plan will still work? Good news! Moving around the country in the U.S. and even around our territories will not affect your Original Medicare Part A and B coverage.

Original Medicare is a national program that is not affected by state lines, even if you were to relocate to opposite ends of the country. You will, understandably, still want to contact your current Insurance Agent and inform them of your upcoming relocation. Medicare supplement plans, known as Medigap plans, for most states are not affected. However; it is important to ask if your premiums will change based on location.

What happens if your medicare supplement plans is not transferable? Most reputable insurance Agents, such as Medicare Health Plans, carry multiple, nationwide providers of Medicare supplemental insurance and can work with you to find a new Medigap plan that will meet your needs. These respected agents carry well-regarded providers such as Mutual of Omaha, Cigna, Aetna, and United Health Care.

Moving can be an extremely stressful adventure. Decisions on what to keep and what to toss can, at times, feel overwhelming. There is no need added anxiety over whether your Medicare and Medicare supplemental insurance plan will lag in benefit payments or be unusable. A quick call to can easily answer all your questions and give you the reassurance you need that you are covered and there will be no delays or causes for concern.

Since 1966, Mature American Advisors has been helping individuals and families with their insurance needs. Our reputation for providing quality insurance plans, primarily focusing on Medicare Supplement plans has made of one of the industry leaders in knowledge and expertise. We understand that insurance questions can be confusing and we work hard to give each person the time and attention they deserve to come to a full understanding of the benefits and advantages that various plans offer each person’s unique situation.

If you have questions, or would like more information regarding Medicare Supplement Plans, we would love to speak with you, either via phone or email. We can be reached via phone toll free at 800-844-0066 or via email at info@matureamerican.com. And we welcome your follow on our social media platforms. Find, follow and join the conversation with us on Facebook at Mature American Advisors or on Twitter at Mature America. We firmly believe that Medicare coverage does not need to be hard or expensive!

Limit the Risk to your Health and Pocketbook with Medicare Supplement Plans

June 20, 2017

According to recent health statistics, the average cost of a three-day hospital stay is $30,000. Even a simple procedure, such as fixing a broken leg can have a bill of nearly $7,500! Care to guess what the cost of an average ambulance ride is? The bottom rate starts at $400, plus mileage. These numbers do not reflect more serious or chronic health concerns, where the costs can skyrocket to $100,000 or more. Through Medicare supplement plans, you have ways to limit the risk to your health and pocketbook. Have you ever heard the phrase “Medigap” and wondered what exactly does that mean? Or, if you are already on Medicare, wondered why it would be actually necessary to have a Medicare supplemental insurance plan?

A Medigap or Medicare supplemental insurance plan is a cost-effective way to help defray the costs of tests, procedures, and co-pays that are not normally (or fully) covered under your traditional Medicare plan.

Understand: a supplemental plan does not replace Medicare. You can not just purchase one of those items without first having full Medicare. You still need both Medicare A and Medicare B plans in place to be able to fully qualify for a supplemental Medicare plan. The wonderful benefit of adding a supplement plan is that once you have a plan in place, you are automatically eligible for renewal of your Medicare supplement plan. This is true no matter what turns in health you may face over the course of a calendar year. If you have the coverage, you are guaranteed the right to continue coverage. As long as you pay your premiums, you can not be denied renewing your existing coverage.

This simple solution greatly increases your peace of mind, especially if you live on a fixed income, such as a retirement plan and Social Security benefits. You simply have a line-item for your insurance needs and then can not be overwhelmed by staggering medical bills. Similar to many “Roadside Assistant” insurance programs which, for a small monthly fee, help you in the event of an automobile breakdown (or even simply running out of gas or having an unexpected flat tire), a Medicare Supplemental insurance plan can help bridge that gap between affordable health care and bankruptcy. By having a stable monthly premium, you are better able to see a doctor sooner and obtain possibly a more positive outcome, rather than delaying being seen and the long-term effects running the risk of being more detrimental.

Most reputable insurance agencies, such as Mature American Advisors, carry multiple, nationwide carriers of Medicare supplemental insurance. Well-regarded providers such as Humana, Mutual of Omaha, Cigna, Aetna, and AARP/UnitedHealthcare. These offer a variety of plans to choose from that best fit your needs and also your pocketbook. For many of these companies, you can simply fill out an online form to gather some basic information to begin the process of inquiry without adding concern about committing to something or signing up for something without properly understanding it. Questions can be asked, such as “Does this coverage apply only to myself, or I can extend it to my spouse?” or “Does this plan also cover long-term care?” These questions and many more can be asked in a secure, comfortable setting.

Since 1966, Mature American Advisors has been helping individuals and families with their insurance needs. Our reputation for providing quality insurance plans, primarily focusing on Medicare Supplement plans has made of one of the industry leaders in knowledge and expertise. We understand that insurance questions can be confusing and we work hard to give each person the time and attention they deserve to come to a full understanding of the benefits and advantages that various plans offer each person’s unique situation.

If you have questions, or would like more information regarding Medicare Supplement Plans, we would love to speak with you, either via phone or email. We can be reached via phone toll free at 800-844-0066 or via email at info@matureamerican.com. Please follow our social media platforms. Find, follow and join the conversation with us on Facebook at Mature American Advisors or on Twitter for MatureAmerican. We firmly believe that Medicare coverage does not need to be hard or expensive!

National Minority Health Month: Bridging Observance and Action to Achieve Health Equity

By Cara V. James, PhD, Director, CMS Office of Minority Health

Each April we observe National Minority Health Month. This year’s theme is, Bridging Health Equity Across Communities. This theme acknowledges the important role that social determinants of health play in individual and community well-being. It also evokes action and activity around health equity. For it is not enough for us to simply observe National Minority Health Month and share statistics on long-standing health and health care disparities. We should strive to move the needle by reducing these disparities and improving health care quality and outcomes for all. As this National Minority Health Month comes to a close, we still have work to do, and I’m hoping each of us can take a moment and consider the following question:

What will it take to achieve health equity?

CMS has adopted a health equity framework that focuses on increasing understanding and awareness of disparities, developing and disseminating solutions, and implementing sustainable action. As we have sought to implement this framework, we have identified a number of areas that need to be considered when addressing a specific disparity– the social determinants of health, data, and the seven “A’s”.
First and foremost, we need to acknowledge there is a problem to be addressed. We need to agree on the goal and identify what resources will be necessary to meet it. Resources can be difficult to come by, so determining how the goal aligns with existing priorities may be key. Next we must decide what actions do we need to take to achieve our goal? Are we already doing some or all of them?

Seven A’s for Addressing Health Equity

  1. Acknowledge there is a problem to be addressed.
  2. Agree on the goal, and identify what resources are necessary to meet it.
  3. Align the goal with existing priorities.
  4. Determine what actions are needed to achieve the goal.
  5. Create alliances to implement the actions.
  6. Analyze progress, and adjust the plan as necessary.
  7. Have shared accountability for reaching the goal.

 

We know that health equity cannot be achieved by a single individual or organization, so forging alliances and working together is critical. We also know that we must be able to measure our progress. Having data and doing analysis of it are important for the development, assessment, and revision of our health equity plan. The last of the A’s requires us to be accountable and ask the question – what happens if we do not reach our goal? There shouldn’t be one person or organization responsible for the success or failure of a plan, but a shared accountability.

While we are considering each of the seven A’s, we must also consider the myriad of social factors that influence health and well-being of individuals and the communities in which they reside. Whether we refer to them as social risk factors or social determinants of health, we know that things such as socioeconomic position, race, ethnicity, cultural context, gender, social relationships, and residential and community context affect our health more than the care we receive from our health care providers. We must consider these factors as we think about our goals, the actions we need to take, and the alliances we forge.

The CMS Office of Minority Health is helping to embed these actions across CMS and HHS. For example, we routinely share HEDIS and CAHPS quality measures stratified by race, ethnicity, and gender, providing health plans with actionable data to innovate and prioritize health equity and quality improvement activities. Organizations participating in the Accountable Health Communities Model will be monitoring disparities as they link beneficiaries with community services. We are working with our sister agency, the Health Resources and Services Administration’s, Federal Office of Rural Health Policy on a Chronic Care Management Education and Outreach Campaign. The campaign is focused on professionals and consumers in under-served rural areas, and racial and ethnic minorities. We are also collaborating with organizations outside the federal government to help reduce re-admissions among racially and ethnically diverse beneficiaries, and to develop their own plans for achieving health equity.

As we continue on our path to equity, we encourage you to consider the seven A’s, the role of social risk factors, and the importance of data in your day-to-day activities. Recommit every day to the ultimate goal of achieving health equity by bridging observance and action during the remainder of National Minority Health Month and throughout the year.

To learn more about achieving health equity and other activities underway at the CMS Office of Minority Health, visit: go.cms.gov/omh.