How to Get the Most Out of Medicare

How to get the most out of Medicare? Shop plans every year? How often should I change Medicare plans? Can I keep my doctor? Who can help me? GA Medicare expert Bob Vineyard helps.

How to get the MOST out of Medicare
How to Get the Most Out of Medicare

Get the Most for Your Medicare Dollars

How to get the most from your Medicare dollar is a popular question with close to 100 million responses from a Google search.

My clients say “Why didn’t I call you first? You answered all my questions. Never pressured me to buy.”

Do you really want to spend time searching the internet for answers? Or allowing strangers in your home. Agents who will try to SELL you something you don’t want, don’t need and can’t afford.

Here is my “pitch”. Call. Give me 10 minutes to answer your questions. Any question. Then decided if you want my help or not.

I call this “an offer you can’t refuse“.

How to Get the BEST Medicare Plan in Georgia

GA Medicare expert Bob Vineyard reviews the BEST Georgia Medicare plans, news and options. Review our videos. Bob will help you find the RIGHT plan that fits YOUR needs and budget. Call (404)252.5859 or email [email protected] Watch our Medicare videos on YouTube.

There is nothing wrong with buying a Medicare plan online as long as you are prepared for a LOT of phone calls from agents wanting to sell you something you don’t need, don’t want and can’t afford.

If you are turning 65 and enrolling in Medicare, this may be your only chance to purchase a Medicare supplement plan in Georgia. Full report with Medicare supplement rates for ALL Georgia Medigap carriers. Anthem GA Medigap rates include Silver Sneakers

You don’t have to receive Social Security to enroll in Medicare insurance. CMS is the agency that oversees Medicare.

How to enroll in Medicare? You may sign up for Medicare 3 months before your 65th birthday, the month you turn 65, and 3 months following your 65th birthday. You may enroll online (highly recommended), by mail or by visiting a Social Security office.

Shop and compare Georgia Medigap rates online. Instant quote. Up to 30 plans.

FREE REPORT for over 240 different GA Medigap carriers available on request. We quote Medicare supplement rates by phone and email your custom report. No obligation.

Comprehensive Part D Medicare drug plan review for new and existing clients. Learn the secret to saving hundreds on prescription drug costs. A drug plan deductible is your friend

How Does Medicare Work?

Medicare has 4 parts. Your red, white and blue card is broadly accepted by doctors and hospitals alike. No networks! No referrals. No prior authorization.

Medicare Part A covers hospital inpatient charges and has a per admission deductible

Medicare Part B is for outpatient health care treatment. Doctor visits, labs, X-rays, MRI, CT scan (CAT scan), ambulance, ER, outpatient clinics, etc. Essentially any Medicare approved health care received outside the hospital setting. Treatment considered medically necessary under Medicare guidelines. Medicare Part B has a calendar year deductible. Once satisfied, Medicare pays 80% of the approved charge, you are responsible for the remaining 20%.

When you have original Medicare, YOUR DOCTOR AND YOU decide on the care you need. You don’t need approval by an insurance carrier before can receive testing or treatment.

Many seniors worry about hospital stays. But your major expenses will more than likely fall under Medicare Part B outpatient expenses. Original Medicare stand alone has no cap on your out of pocket expenses.

Here is what I tell folks Without a supplement plan you pay until you run out of money, get well or die.

Medicare Part C is now referred to as Medicare Advantage. More on that later.

Medicare Part D covers outpatient prescription drugs. Some Advantage plans have drug coverage built into the plan.

Do All Doctors Take Medicare Advantage Plans?

How to get information on doctors that take Advantage policies? Did you know that some doctors and hospitals do not accept ANY Medicare Advantage plans? What happens if your claim is DENIED?

Did you know that Medigap and Advantage plans cover the same things? But what you pay out of pocket for your care, and where you receive your care, is very different.

Original Medicare does not have networks. You can use any doctor or hospital anywhere in the US. Referrals are not required.

All Advantage plans are managed care plans. Some are PPO, some are HMO. In 2018 about half the plans are HMO with the balance being PPO. How are Medicare Advantage plans like a store credit card?
https://youtu.be/p0j41FsfHbA

If you receive non-emergency out of network care under a PPO you may have higher copay’s and deductibles. Most importantly, your max OOP may also be higher. Some plans do not cap out of network charges.

Non-emergency out of network care charges may be denied if you have an HMO.

Is Cancer Treatment Covered by Medicare?

Medicare DOES cover your cancer treatments. However, Advantage plans issued in Georgia have a LOT of out of pocket expenses. In other words, you will pay a lot more for treatment under an Advantage plan.

Also, many Advantage plans often require prior authorization BEFORE you can be treated for cancer. Your doctor does not decide your care, the insurance company makes those decisions for you.

ORIGINAL Medicare does not have networks. Prior approval is NOT needed for cancer treatment or any other care. Medicare and a Medigap plan have minimal out of pocket costs.

Mayo Clinic, Sloan Kettering and MD Anderson may not participate in certain Medicare Advantage plans.

#BESTMedicarePlansGeorgia #GAMedicareExpert #GAMedicareVideos

How to Find the BEST Medicare Plan?

How do you find the BEST Medicare plan in Georgia? The one that is right for you AND your budget? GA Medicare expert Bob Vineyard explains.I did not say look for the lowest PREMIUM. I said BEST plan. Something that fits and is just right for you. Fits you like a glove . . .

find the medicare plan that is right for you
The One That is Right For You

Which is a better FIT for you? Original Medicare and a supplement plan, or an Advantage plan? Don’t let ANYONE try and SELL you something you don’t need, don’t want and can’t afford.

BEST Medicare Plans in Georgia

Where do you find the BEST GA Medicare plans?

Lucky you. We have a video that explains what you need to look for, what you need to avoid, and how to escape the pushy insurance agent.

Find the BEST Medicare Plan – An Offer You Can’t Refuse

Original Medicare and a supplement plan, or an Advantage plan? Don’t let ANYONE try and SELL you something you don’t need, don’t want and can’t afford.

How to Find the BEST Georgia Medicare Plan

GA Medicare expert Bob Vineyard reviews Georgia Medicare plans, news and options. Review our videos. Bob will help you find the RIGHT plan that fits YOUR needs and budget. The best Medicare plan in Georgia. Call (404)252.5859 or email.

There is nothing wrong with buying a Medicare plan online as long as you are prepared for a LOT of phone calls from agents wanting to sell you something you don’t need, don’t want and can’t afford.

Turning 65?

If you are turning 65 and enrolling in Medicare, this may be your only chance to purchase a GA Medicare supplement plan. Full report with Medicare supplement rates for ALL Georgia Medigap carriers. Anthem GA Medigap rates include Silver Sneakers

You don’t have to receive Social Security to enroll in Medicare insurance. CMS is the agency that oversees Medicare.

How to Enroll in Medicare?

You may sign up for Medicare 3 months before your 65th birthday, the month you turn 65, and 3 months following your 65th birthday. You may enroll online (highly recommended), by mail or by visiting a Social Security office.

Original Medicare Explained

Original Medicare has 4 parts. Your red, white and blue card is broadly accepted by doctors and hospitals alike. No networks!

Medicare Part A covers hospital inpatient charges and has a per admission deductible

Medicare Part B is for outpatient health care treatment. Doctor visits, labs, X-rays, MRI, CT scan (CAT scan), ambulance, ER, outpatient clinics, etc. Essentially any Medicare approved health care received outside the hospital setting. Treatment considered medically necessary under Medicare guidelines. Medicare Part B has a calendar year deductible. Once satisfied, Medicare pays 80% of the approved charge, you are responsible for the remaining 20%.

Most seniors worry about hospital stays, but your major expenses will more than likely fall under Medicare Part B outpatient expenses. Original Medicare stand alone has no cap on your out of pocket expenses.

You pay until you run out of money, get well or die.

Medicare Part C is now referred to as Medicare Advantage. More on that later.

Medicare Part D covers outpatient prescription drugs. Some Advantage plans have drug coverage built into the plan.

Medicare is Confusing

Seniors will almost always buy the wrong drug plan and will spend too much every year. Average spending on prescription medication is $1 for every $6 spent on health care. If you spend $60 per month on doctor bills you can expect to spend another $10 on medicine.

Lower your medication bill by only using your drug card when necessary. The right drug plan will save a lot on brand names but you will almost always pay MORE for generics.

Consider paying cash or using GoodRx instead for maximum savings. Also look for drug plans that have a deductible.
https://youtu.be/LaA9NnFeBXI

Do All Doctors Take Medicare Advantage Plans?

Did you know that some doctors and hospitals do not accept ANY Medicare Advantage plans? What happens if your claim is DENIED? Maybe you don’t have the best Medicare plan after all.

Medigap and Advantage plans cover the same things, but what you pay out of pocket for your care, and where you receive your care, is very different.

Original Medicare does not have networks. You can use any doctor or hospital anywhere in the US. Another plus is the ABN form which is only used with Original Medicare.

Advantage plans are managed care plans. Some are PPO, some are HMO. In 2018 about half the plans are HMO with the balance being PPO. How are Medicare Advantage plans like a store credit card?

Comprehensive Part D Medicare drug plan review for new and existing clients. Learn the secret to saving hundreds on prescription drug costs. A drug plan deductible is your friend.

How long will it take you to find the RIGHT plan, the BEST Medicare plan? You can look for weeks . . . or make just one 10 minute phone call. Your choice

#BestGAMedicarePlans #GAMedicareExpert #GAMedigapRates

Why Do I Need a Medicare Supplement?

Do I really need a Medicare supplement plan? You and 25 million others ask the same question. The answer is, you don’t NEED a Medigap plan but you will probably want one.

GA Medicare expert Bob Vineyard explains.

Original Medicare – Good and Bad

Original Medicare Part A, the hospital inpatient portion, does not charge a premium to most people. Other than the per admission deductible ($1364 in 2019) you will not have out of pocket expenses for most hospital stays. This applies if your hospital admission does not exceed 60 days and Medicare approves all hospital billed charges.

Charges by a surgeon or other non-staff member usually fall under Medicare Part B. The same is true for ER charges and expenses incurred when admitted for observation.

Medicare Part B is for outpatient health care charges. You are not required to enroll in Part B but you probably want to. Large claims exceeding $40,000 often have over half the total incurred on an outpatient basis.

Medicare Part B requires a premium payment. In 2019 the premium for most people is $135 per month. Part B has a yearly deductible ($185 in 2019). Above the deductible Medicare pays 80% of approved charges, you are responsible for the 20% balance.

There is no cap on your out of pocket expenses for Parts A or B.

A Medicare supplement plan will greatly reduce your out of pocket expenses for Parts A and B charges. Most buy a supplement plan for two reasons.

First, they are able to keep their doctor. No, this is not a campaign pledge. You really CAN keep your doctor(s). Also you are free to use any doctor or hospital in the U.S., penalty free.

Second, a Medigap plan allows you to budget future health care expenses. No worrying about unexpected large medical bills.

Do We Need a Medicare Supplement Plan?

Late Enrollment Penalties

The best time to enroll in Medicare is when you are first eligible. Medicare does grant a “free pass” in SOME situations when you enroll late. Make sure you understand the rules.

If you don’t qualify for no premium Part A you will incur late penalties if you fail to enroll on a timely basis.

Likewise, Medicare Part B has late penalties which can be waived in some situations. If you are charged a Part B late penalty you will pay it for life.

There are no late enrollment penalties for failure to enroll in a Medigap plan but there can be consequences. If you miss your initial enrollment or special enrollment period you will have to qualify medically for coverage. The decision is pass/fail. Either you qualify or you don’t.

How Much Does Medicare Cost?

Unless you have enjoyed “free” insurance up until now, you will probably find that original Medicare and a Medicare supplement plan are real bargains.

No provider networks. Never any non-par penalties or hidden provider charges.

You have questions. We have answers. Never any charge.

All I ask is that you allow me 10 minutes on the phone to answer your questions. If you like what you hear and believe I can help, then great.

If not, you walk away and we part as friends.

I call it an offer you can’t refuse.

#GAMedicareExpert #GAMedigapRates #GeorgiaMedicareSupplementPlans

Why Elderly Need Google Home

Google Home for your elderly parents? How seniors with mobility or vision issues can benefit from a smart speaker. Control the temperature or call for help with just your voice.

Google Home for elderly
Google Home for Elderly

Google Home Smart Assistant

“Hey Google, call Mom”. Worried about your mother? Ask your smart device to give Mom a call.

Follow this link If you want to know how to set up smart speakers to make phone calls.

You can also search for video instructions. As a visual learner, I find it much easier to follow video instructions.

Nurses Like Smart Devices

What triggered this interest in Google Home for seniors?

A few weeks ago one of my news alerts had this teaser headline, “Why Google Home is Perfect for Seniors“. Up to this point I considered smart speakers to be a novelty. There are a few in my home, split between the Amazon Echo and Google Home.

I haven’t (yet) plugged into the whole “smart home” program. I still turn on the lights with my hands and TV with a remote.

Coffee is made in a French press, so no way to make it smart.

According to Nurse Next Doorone of these technologies is Google Home, a voice-activated daily assistant that can control devices around the house, make calls, provide entertainment, and answer over 100 million unique questions. You can link it to the TV, radio, thermostat and more by installing a compatible device and activating connections on your phone’s Home app. This virtual helper responds to voice commands, which means that someone with limited vision or reduced finger dexterity can easily use it.”

Why Elderly Need Google Home

Google Engineer Helps Dad with Parkinson’s

I also discovered this story about Stephanie Wilson and how she helped her parents live a fuller life with Google Home and Smart Assistant.

Wilson’s parents, Fred and Linda, live in a condo, and Fred uses a wheelchair. About 10 years ago, the University of Toronto philosophy professor was diagnosed with Parkinson’s, a degenerative brain disorder that leads to loss of muscle control.

When Wilson heard her father talking about how hard it was to control the lights, she installed smart bulbs around the condo. Now, her parents control the lights by speaking to Google Home.

Link to Stephanie’s video and very moving story.

Hey Google – How Does Medicare Work?

Word of advice. If you ask Google about Medicare you will most likely hear “Sorry, I don’t know that one”.

If you want solid Medicare advice, ask GA Medicare expert Bob Vineyard. If you just want rates check out GA Medigap Quotes.

#GAMedicareExpert #GoogleHome #SmartDevice #GAMedigapQuotes #GAMedigapRates

Who Can Help With Medicare Questions?

Medicare information. Where can you find answers to ALL your questions about Medicare?

Medicare Information GA Medicare Expert
Medicare Questions – Ask a Medicare Expert

Medicare.gov is a great resource. As someone who has used that site for many years I can tell you this.

The information is mostly accurate and unbiased. Medicare.gov has answers to things you have not even considered.

Only one problem.

Unless you know EXACTLY how to ask your question you may never find the answer.

Who CAN Answer Your Medicare Questions?

Shameless plug here.

Try asking the GA Medicare Expert, Bob Vineyard.

I didn’t pick that title. That was given to me by my clients. Over 500 of them all over the state of Georgia.

All have original Medicare.

All have a Medicare supplement plan.

Tap into my 40+ years of health insurance experience at no charge. And just like all my clients, I am enrolled in Medicare and have a Medigap plan.

You Have Medicare Questions? We Have Answers

Common Questions

When can I sign up for Medicare? How much does Medicare cost? What is Medicare Part C? I hear some plans are free. How can that be?

Can I save money by going direct to the carrier? Who will give me unbiased information?

Can I keep my doctor?

Many of your questions are available on my YouTube Channel.

You can also call or email me. If you get voice mail, leave a message. And you will NEVER hear “Press 1 for English“. I will call you back.

An Offer You Can’t Refuse

Here is my offer. You have questions about Medicare? Give me a call. Initial calls usually last 10 – 15 minutes. The length of time is up to you.

Put me through the drill. Ask any Medicare question.

If you don’t like what you hear, or don’t feel you are getting valuable information, say goodbye and we part as friends.

Nothing personal. It’s just business.

But if you feel I can help, consider letting me EARN your business.

We move along at YOUR pace. Never any sales pressure.

People love to buy but they hate to be sold.

That is my offer you can’t refuse.

Never any risk and you just might learn something.

#GAMedicareExpert #MedicareInformation #MedicareQuestions.