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This year's Medicare Open Enrollment is from October 15 to December 7.

During this time you have the opportunity to do things like shop for a new Part D drug plan, switch from Original Medicare to a Medicare Advantage plan, or vice versa. The changes you make during the enrollment period will take effect on Jan. 1.


Recent research discovers that people with Medicare Part D prescription drug coverage should be able to lower their costs by shopping among various plans each year. As an example - another Part D plan in your area may cover the drugs you take with fewer restrictions and charge you less.


Our goal is to make the process of identifying and selecting a Medicare Supplement plan simple and hassle-free. You will be working with licensed insurance agents representing top, reputable insurance carriers. Our service is easy to use, free and with no obligations to purchase - ever.


Do I Really Need a MediGap Plan?

Medicare Supplemental Insurance Plans

Recent Articles about Medicare Enrollment

Medigap - Medicare Gov


Medicare open enrollment 2015 season starts Oct. 15, 2014.


And beneficiaries have a variety of choices of subsidized prescription plans. But you can shop for Medigap Insurance Policies on this site anytime. Medicare coverage is fairly comprehensive.


However, if you need a lot of care - Medicare can leave you with significant out-of-pocket costs.


That is why most people have some kind of supplemental insurance (MediGap) to help cover the costs that Medicare doesn’t.


Medicare Advantage Plans are offered by private insurance companies, which are usually Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs). Advantage plans combine hospital insurance, medical insurance and often prescription drug coverage in one neat package. Some plans include extras like vision, hearing and dental coverage.








Shopping For a Medicare Supplemental Insurance Plan Is Critical.


Seven of the top ten Medicare Supplemental Insurance plans are raising their premiums in 2015 by 11 to 23 percent, according to a recent report by Avalere Health. Shop around and SAVE.


Medicare Supplemental Insurance Plans - Medigap


What is Medigap Insurance?

Medicare Supplement Insurance also known as Medigap is an insurance, which is sold by private companies, that will help you pay some of your heath care costs that Original Medicare does not cover. Deductibles, copayments, and coinsurance are some of the costs Medigap can cover.  MORE INFO

My Medicare - Medicare Gov


The Medicare Part D 2015 Open Enrollment


Medicare Part D Open enrollment starts on October 15th to December 7th. At this time you can join, switch, or add a Medicare Drug Plan. Also during this time you can join, switch, or drop a Medicare Advantage Plan.

The new coverage on these plans will start on January 1, 2015.


Private insurance companies provide Medicare Supplemental Plans that pays for medical expenses Medicare WILL NOT PAY FOR. You need to choose the plan you like the best. Should I sign up? It depends on how good your current coverage is.


You can get a Medicare supplemental plan only if you have Original Medicare. Medigap covers Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). It does not cover Medicare Part C (Medicare Advantage Plans), Medicare Part D (prescription drug plans) or any other private health insurance, Medicaid, Veterans' Administration benefits, or TRICARE.


Why Purchase a Medicare Supplemental Insurance Plan (MediGap)?

People under the age of 65 may have difficulty purchasing a medical supplemental insurance plan. The Law states that it is a right duly given to elders age 65 and above only after they have enrolled in Medicare Part A and Medicare Part B.


NEW: With the ObamaCare plan that goes into effect in 2013 - there will be a New Medicare tax for high earners. 2 Medicare related tax rates are affecting high earners. People who earn over $200,000  - or $250,000 for couples jointly filing their tax return - will see their Medicare payroll taxrate increase from 1.45% to 2.35%. They will also pay a brand new 3.8% Medicare tax on unearned income - including investments, interest, dividends, annuities, rent, royalties, certain capital gains and inactive businesses


How Medicare works with other insurance companies


When you have Medicare coverage and other health coverage as well, each type of coverage is called a "payer." In the case there is more than one payer, "coordination of benefits" rules decide which one pays first. The "primary payer" pays what that coverage owes on your medical bills first, and then sends the rest to the "secondary payer" to pay - which could be a private medicare supplemental Medicare company. In a few cases, there might even be a third payer.


Web addresses for the Medicare plan:


www.medicare.gov | www.mymedicare.gov | www.cms.gov


Medicare Supplement Insurance - Compare Medicare Plans

Medicare supplement insurance covers the gap between what Medicare pays on medical bills and what you have to pay for premium deductibles, coinsurance and co-payments.


Private Medicare supplement insurance policies pay only for services that the U.S. Medicare system indicates medically necessary - and cash payments are generally based on the Medicare approved expense. Some insurance plans offer financial benefits that Medicare do not offer. Such as emergency care abroad.


NOTE TO: All Medicare Advantage Organizations, Prescription Drug Plan Sponsors, and Other Interested Parties



Medicare 2014

SUBJECT: Announcement of Calendar Year (CY) 2014 Medicare Advantage Capitation Rates and Medicare Advantage and Part D Payment Policies and Final Call Letter


In accordance with section 1853(b)(1) of the Social Security Act (the Act), we are notifying you of the annual Medicare Advantage (MA) capitation rate for each MA payment area for CY 2014 and the risk and other factors to be used in adjusting such rates. The capitation rate tables for 2013 are posted on the Centers for Medicare & Medicaid Services (CMS) web site at http://www.cms.gov/Medicare/Health-Plans/MedicareAdvtgSpecRateStats/index.html under Ratebooks and Supporting Data. The statutory component of the regional benchmarks, transitional phase-in periods for the Affordable Care Act rates, qualifying counties, and each county’s applicable percentage are also posted at this website.


Aside from this, they should also pay the monthly premium rate for Medicare Part B on top of what you will need to pay for your Medigap Insurance Policy. Realizing all of these different types of payment, it makes you wonder why many are still interested in purchasing a Medicare Supplemental Insurance Plan. Are the Medicare benefits still not enough to cover the medical expenses of the elders?



How Medicare gov works with other insurance companies


If you have Medicare and other healthinsurance, each type of coverage is called a "payer." If or when there is more than one payer, 'coordination of benefits' rules decide which one pays first. The "primary payer" pays what it owes on your medical services bill first, and then sends the rest to the "secondary payer" to pay. In some cases, there may also be a third payer.


What it means to pay primary/secondary


  • The insurance company that pays first pays up to the limits of its coverage.
  • The insurance  that pays second only pays if there are costs the primary insurer did not cover.
  • The secondary payer (which may or may not be Medicare.gov) may not pay all the uncovered costs.
  • If your employer insurance is the secondary payer, you may need to enroll in Medicare Part B before your insurance will pay.

Paying "first" means paying the whole bill up to the limits of the coverage. It doesn't always mean the primary payer pays first in time. If the insurance company doesn't pay the claim promptly (usually within 120 days), your doctor or other provider may bill Medicare. Medicare may make a conditional payment to pay the bill, and then later recover any payments the primary payer should've made.



Medicare Supplemental Insurance Plans, also called as Medigap or PRIVATE MEDICARE, are individual insurance policies purchased by elders who believe they need more assistance with their medical needs. The Medicare assistance offered by the government is sufficient for majority of the elders in the US, but there are still quite a few individuals who will need more financial assistance on this matter. The only option left for them to grab hold onto is these Medigap Insurance Policies.


Medigap Insurance Policies are classified into 12 distinct categories. This is regulated by law and cannot be altered in any way by the insurance company. The most they can do is to convince you to purchase the plan coverage that will place the company at lesser risk of paying more rather than earning more from you. You should be cautious of these techniques because you may end up tricked by some insurance agents because of their flowery words and convincing speeches.


Choose a Medigap Insurance Policy if and only if you have calculated your potential insurance cost to be more than what the Medicare will be providing you. Otherwise, you will not need any of these supplemental insurance plans because the government will have your medical expenses all covered-up.



Medicare.gov - National Health Insurance

Medicare is a social insurance program administered by the US government, providing national health insurance coverage to people 65 and over, or individuals who meet other special criteria.


US Medicare Gov operates similar to a single payer healthcare system. The most important difference is that its coverage only extends to 80% of any given medical cost. The remaining 20% of cost must be paid either via a private company supplemental health insurance, or via the patient's own personal funds. Private health insurance usually require a monthly premium to be paid.


Explain The Difference Between Medicaid and Medicare Gov


Medicaid and Medicare sound similar. They are really two very different government programs. The biggest differences is Medicaid is a state governed program while Medicare is a federal program. Some other differences are:


Medicaid is for low income:


   * Women who are pregnant

   * Children under 19 years of age

   * Individuals 65 and over

   * Individuals are blind

   * Individuals who are disabled

   * Individuals who need nursing home care

www.Medicare.gov


Application for Medicaid is accepted at the individual State's Medicaid agency.


Medicare is for individuals:


   * 65 and over

   * of any age who have kidney failure or long term kidney disease

   * who are permanently disabled and cannot work


Medicare is applied for at your local Social Security office (SSO).



Some individuals qualify for both Medicaid and Medicare. Medicaid can sometimes be used to help pay for Medicare premiums. People who qualify for both programs are called 'dual eligible'.


Medicare Open Enrollment 2014


Who Is Eligible For Medicare.gov Coverage?


As a rule, all persons 65 years or older qualify for Medicare coverage. If they have been a resident of the US for at least 5 years. All people with disabilities in the US are also entitled to Medicare.



What is Covered Under Medicare?


Basically, Medicare has four parts. Part A covers hospital stays and expenses. Part B is general medical insurance coverage.  Part D is coverage of prescription drugs. Part C, also called Medicare Advantage Plan - is just another way to receive parts A, B and D.


Medicare Part D offers prescription drug plans (PDP) through private insurance companies. There is 10 national plans offered, including AARP Part D Coverage, and some regional plans. The estimated cost for the premium will vary with the plan but the current estimate for the average PDP is approximately $37 per month. The premium cost is expected to increase annually.


   1.  Humana Insurance

   2.  United Insurance

   3.  Blue Cross/Unicare

   4.  Aetna Medicare

   5.  Coventry AdvantraRx

   6.  CIGNA Medicare Rx

   7.  SilverScript Insurance

   8.  WellCare Coverage

   9.  Sterling Life

   10. EnvisionRx Plus

   11. United American

   12. HealthSpring

   13. Health Net



MEDICARE GOV | Medicare Open Enrollment 2015 | My Medicare Gov | www Medicare Gov | Medicare.gov

Medicare com | www Medicare |



Plancompare Medicare Gov | Medicare Gov 2015


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Disclosure: “We are not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. Disclamer: This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.”