Can You Afford Medicare Supplement Insurance?

Can you afford Medicare supplement insurance? Can you afford to NOT have it? How much does it cost? (Less than you think). Which plan is best? How do I find the lowest rate? Should I buy Medigap plan F like all my friends or something different?

Shop and compare GA Medigap plans. Instant rate quote. No hassle. Your information is never sold.

Medicare shop and compare

 

Medicare open enrollment is just around the corner. Others are just now turning 65 and will soon be navigating the Medicare maze.

You can get rates anywhere, but what most people want is information and solid advice without the hype and pressure. You get the benefit of my 40 years experience at no extra cost.

Post summary.

  • How much does Medicare pay for serious illness?
  • Is Medicare Advantage, with the lower premiums, better?
  • $0 premium or $0 copay and $0 deductible?
  • Finding the plan with the best rates and overall value
  • Why avoid Medigap plan F?

 

Can you afford Medicare supplement insurance?

Here are the facts. You decide.

Original Medicare covers about 80% of your medical costs and none of your prescription drug costs. Your remaining 20% share (after Medicare pays their portion) can run into the hundreds in an average year and thousands in a bad year. The 20% you pay is not capped. Your treatment continues until you run out of money.medicare bad news

Many Medicare Advantage plans have $0 premiums. Advantage plans have moving parts, doctor and hospital networks (most are HMO’s), deductibles, coinsurance and copay’s. The plan you buy this year probably won’t be offered next year and you will have to switch plans …… and possibly doctors as well.

Next year you will start this process over again, and then again the year after that. At least the Advantage plans have a cap on your out of pocket costs. Most of them limit your share to $6700 for the year. Then next year you start all over again.

If you are turning 65 and live in Georgia, you can buy our most popular Medicare supplement insurance plan for around $100 per month. About $3 per day.

The one I bought is $104 per month. Beyond the monthly premium my out of pocket cost is limited to the Part B deductible ($147 in 2015) and after that a $20 doctor visit copay.

If I had to go to the hospital my out of pocket cost would be $0.

Sure, I would rather have a $0 premium plan. Who wouldn’t? But I would also rather have to come up with $147 and an occasional $20 than dig into my savings to fork over $6700.

But that is just me.

You may feel differently.

 

Which Medicare supplement plan is best?

That’s simple.

The best plan is the one that fits your needs and budget.

If you are in good health, and don’t care which doctor you use, those $0 premium Advantage plans might be just the ticket. But when your health changes you won’t like them very much. And by then you won’t qualify for a Medicare supplement plan.

If you are turning 65, this may be your one and only chance to buy a Medicare supplement plan.

So is the Medigap plan a better option?

If you can afford $100 per month and find it easier to budget for a fixed premium vs. several hundred or thousand for out of pocket medical expenses, then the Medicare supplement might be what the doctor ordered.

Choose wisely.

Whatever you decide today might have to last you the rest of your life.

 

How do I find the lowest Medigap rate?

That part is easy. Just ask.

Sure, you can go online and shop. Plenty of places to compare rates, including my site. But you will only see a dozen or so plans, even on my site.

telephone oldAnd some of the rate comparison sites are just a come on. They take your information and sell it to a bunch of agents who will call and pester you until you stop answering the phone or buy.

That won’t happen here.

I never sell your information. You will get one call from me and that’s it. After that it is up to you if you want more information or not.

Including the lowest rates in your area.

There are over 170 Medigap plans in Georgia but you will never see more than a dozen or so. The rest are available offline. Heck one of my competitors only shows you plan F from 4 different carriers. What good is that?

Most people want more than just a rate. They want information. They want to know that the decision they make will be the right one,  just in case they have to keep their plan for the rest of their life.

But go ahead and shop now. It won’t hurt and your phone won’t ring off the hook. Because I will only call you once.

Medicare shop and compare

When we talk I will ask a few questions and give you a straight answer to your questions. If you just want the lowest rate I will give you that by phone and follow up with an email.

But if you want to really learn how Medicare works, I will give you all the time you need to feel comfortable with whatever decision you make.

It really is that simple.

 

Should I buy Medicare supplement plan F?

Probably not.

Your friends that bought plan F didn’t talk to me. If they talked to an agent at all they probably don’t even know plans other than F existed.

And the probably paid too much for that plan.bob on fb

If they bought from AARP (United Healthcare), Blue Cross or Mutual of Omaha I can almost guarantee they overpaid.

You see, all the Medigap plans with the same letter are identical in every way …….. except the price.

So it doesn’t matter if they pay United Healthcare $166 per month, or Blue Cross $191 monthly or Colonial Penn $277 per month, they get the same coverage.

When you pay more you don’t get more, you simply paid too much.

That’s me on the right. My daughter took that picture at the Chop House. We went to a Braves game a few years ago and she wanted a picture.

Current plan F rates are expected to increase at least $20 per month in 2016, and probably even more.

By 2020 when plan F is discontinued anyone with plan F can keep it but the premiums will rise at a faster clip than now.

Which sounds better to you?

Buying Medicare supplement plan F that is being yanked off the market in a few years or saving $800 per year (and more) by enrolling in a plan you can keep as long as you live?

Shop and compare now. When I call, give me 10 minutes to educate you and then decide if my advice is worthwhile or not.

Medicare shop and compare

 

 

 

#MedicareSupplementInsurance #MedicareSupplementPlanF  #MedicareOpenEnrollment #MedigapRates

The Secret Life of Medicare Advantage Plans

shopCompareBig_new2

Medicare Advantage plans have a secret life. The carrier won’t tell you. Neither will the agent. If you knew these secrets you secret life of walter mittymight change your mind about signing up for one. Consider this. Why does if Medicare Advantage plans are so great, why does Medicare give you an escape clause? Why do some agents that sell you on the idea of an Advantage plan tell you to throw away your red, white and blue Medicare card? Why do agents push Medicare Advantage plans so much? Is there something you need to know that they aren’t telling? Do these Advantage plans really have a secret life? And how can they push these Free Medicare Plans? What’s the catch? Why is turning 65 so difficult when it comes to Medicare?

Have you already decided that original Medicare and a Medicare supplement plan are right for you? We have access to over 170 different Medigap plans from more than 30 carriers. We will freely share information on any plan you want, no obligation.

Want to take a peek at GA Medigap quotes? Click the image below.

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices

Post summary.

  • Turning 65 and signing up for Medicare. How?
  • How good are the free Medicare plans?
  • Why do most agents push $0 premium Advantage plans?
  • How do I get out of the Advantage plan when I realize I made a mistake?
  • Why can’t I keep my doctor?

Medicare Advantage plans secret life

Wanda is turning 65 in a few weeks and is totally confused. Should she stay on her husband’s group insurance plan or go in Medicare? Original Medicare or a Medicare Advantage plan? And what’s up with this free Medicare plan a lot of her friends have?

lady pensiveWanda was referred to me by a dear friend. The two of them had lunch earlier in the day and Wanda told Emily (our mutual friend) that she was turning 65 in a few days and totally confused.

Emily mentioned my name and then emailed me with a copy to Wanda. I called Wanda shortly after responding to the email.

Wanda’s husband works for a big company in Atlanta. They have a very good group health plan through his employer. The plan covers Wanda, her husband and their youngest child. The company pays all but $600/month for health insurance, vision and dental coverage.

Wanda has not signed up for Medicare.

After a short phone conversation I told Wanda what she needed to do.

  • Go online today and sign up for Medicare Part A only.
  • Keep the group plan, at least for now.
  • Do not sign up (yet) for Medicare Part B, Part D or a supplement plan.
  • Throw away all the literature that has been coming in for the last few months.
  • Stop talking to your friends.
  • Forget about the free Medicare plans agents are pushing
  • Call me when your situation changes and you are ready to go on Medicare Part B

That’s it. No sales pitch. No arm twisting. Just an honest appraisal of the situation and advice.

But what about the secret life of Medicare plans?

Read on.

 

Why do your friends sign up for a “free” Medicare plan?

Well, it’s pretty simple. They signed up for a “free” plan because somebody talked them into it.huckster

If someone tells you something is free, don’t you get suspicious? Have you ever received anything of value that was truly free? Isn’t there always a catch?

Here is the first catch.

Medicare does not allow an agent to tell you their Advantage plan is free. If they do say that, they are violating the CMS marketing rules.

$0 premium Medicare plans are not free.

  • You still have to pay your Medicare Part B premium.
  • You are not allowed to use your red, white and blue Medicare card.
  • Every time you see a doctor, have lab work, a scan, are admitted to the hospital you have to pay.
  • If you want to keep your out of pocket costs to a minimum you must use THEIR doctors and hospitals.
  • Your out of pocket costs could easily exceed $500 per month under an Advantage plan.
  • And if these plans are so great, why does Medicare allow you to dis-enroll?

 

One Other Thing in the Secret Life of Advantage Plans.

Medicare does not allow agents to tell you about ALL the plans in your area, only the ones they can sell and earn a commission.

The agent can legally only show you one carrier at a time. If you want information on another carrier Medicare rules say they must wait 48 hours before telling you about the other plan. Apparently the folks at Medicare think you are not smart enough to consider more than one plan at a time.

How silly is that?

So why do agents and carriers push Advantage plans?

They are profitable.

An agent that sells you an Advantage plan makes twice as much commission as they would by offering you a Medicare supplement plan. That alone is pretty good incentive but to make it even better they are paid their full years commission the month after your coverage goes into effect.

You sign up in October. Your coverage goes into effect in January. In February your agent collects $400.

Even on that $0 premium plan.

 

No Premium? How Can That Be?

As if that isn’t enough, some agents will tell you how great the Advantage plan is because you only have to pay $250 per day for the first 7 days you are in the hospital.

Then they will tell you that you need a plan to cover that contingency and will proceed to sell you an extra plan for only $38 per month.

The agent pockets 60% of your monthly premium as their compensation. That’s another $274 in commission over the next 12 months.

Next they might ask if cancer runs in your family, or if you know anyone that had cancer.

The good news is your $0 premium plan pays 80% of the cost of your chemotherapy treatment.

The bad new is, you pay the remaining 20%. The worse news is, some chemotherapy treatments run in excess of $3,000 each.

Medicare pays $2400. You pay $600.

For each treatment.

You really should consider a cancer plan to cover that out of pocket cost. For only $40 per month you can have a plan that covers the costs of chemo and pays you a flat $1,000 for your initial diagnosis.

The agent pockets 60% of that premium as well.

Now your $0 premium plan is costing you $78 per month but at least you have your out of pocket costs for a hospital stay covered as well as your chemotherapy.

And the agent made $962.

You should have called me.

For about the same monthly premium you pay nothing for a hospital stay and your chemo is only $147.

Not per treatment but for the entire year!

And you no longer need to pay for a hospital inpatient plan or a cancer plan.

How sweet is that?

 

Your Medicare Escape Clause

If your Medicare Advantage plan is so great, why does Medicare give you an escape provision?escape hatch

That’s right. If you enroll in a Medicare Advantage plan and later discover you don’t like it you can quit the plan (Medicare calls it dis-enrolling) and go back to original Medicare. It’s called a Trial Right.

You also have an annual dis-enrollment period that runs from January 1 through February 14.

All these ways to QUIT a Medicare Advantage plan. Is it any wonder why it is called the secret life of Advantage plans?

Of course if your agent told you to throw away your red, white and blue Medicare card you will need to get Medicare to send you a new one.

Don’t expect the agent that sold you the Advantage plan, and the hospital plan and the cancer plan to tell you that you can always change to original Medicare if you don’t like the Advantage. Your Trial Right is just another part of the secret life of Advantage plans.

As long as we are talking about secrets, here are some things you need to know.

  • Your Trial Right period doesn’t last forever
  • Your Trial Right may entitle you to purchase ANY Medigap plan.
  • Or you may be limited to only certain plans pre-selected by Medicare
  • Unless you exercise your trial right correctly you may have to go without drug coverage until the next open enrollment
  • Your annual dis-enrollment period comes with some barbs.

When you first turn 65, if you reject original Medicare for an Advantage plan that may be the only time you could enroll in a Medicare supplement plan without restriction.

Choose wisely.

The Medicare Advantage Convenience Factor

Mangled Care

Did you ever wonder how the insurance company can offer you coverage and not charge a premium but still pay the agent over $400 for enrolling you?

It’s a secret.

mangled careManaged care has been part of the fabric of health insurance for 30 years now but too often managed care becomes mangled care. When an insurance company bureaucrat that knows nothing about you or your medical condition decides on your care the outcome is mangled care.

When you reject original Medicare the government pays the insurance carrier a monthly fee to cover some of your expenses. The less THEY pay for your care the more money they get to keep.

When you are diagnosed with cancer ….

  • THEY get to pick your doctor
  • THEY pick your hospital
  • THEY decide which treatment is best for you based on the lowest cost to THEM
  • THEY pay 80% of your chemotherapy (the same amount Medicare pays) and you pay the remaining 20%

Original Medicare does not have mangled care. With original Medicare and your red, white and blue card

  • YOU pick your doctor
  • YOU pick your hospital
  • YOU and your doctor decide which treatment is best for you

Original Medicare pays 80% of the cost of your chemo but with your supplement plan your share is $0 if you have plan F or $183 for the entire year if you have plan G.

One other thing about Advantage plans.

Depending on where you live there may be anywhere from 3 to a dozen Advantage plans available.

  • But your agent can only tell you about the plans he or she is approved to sell.
  • If you want to find out about ALL the plans you have to talk to more agents
  • Each agents can only tell you about the plans they are approved to sell
  • Your agent is not allowed to compare one plan vs. the other

Agents will never tell you this (but I will), you can find out about ALL the plans in your area by calling Medicare. That’s part of the secret life of Medicare Advantage plans. Agents can’t tell you about all the plans in your area.

 

Would you like to see rates on Medicare supplement plans?

We have access to over 240 different plans in Georgia.

We can discuss the benefits and rates of every plan.

You can see plans online and get instant GA Medigap Quotes by following this link.

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices

If you call us we will offer rate reports and side by side benefit comparisons for any plan offered in Georgia.

We charge nothing for our advice. You get the benefit of my 40 years in the industry at no cost.

I will answer all your questions. Offer advice and let you decide which plan meets your needs and budget.

No risk.

No pressure.

No tricks.

No secret life.

No agenda.

Give us a call. We want to help.

 

#MedicareAdvantagePlans #MedicareTrialRight #MedicareSupplementPlan #Medigap

Medicare Traps and Mistakes

You are turning 65. What are the Medicare traps and mistakes most retirees make in navigating the Medicare maze? One big-mistakewrong decision can cost you thousands of dollars. Your choice is much more complex than just deciding on original Medicare and a supplement plan or Advantage.

There are various ways to go down this journey and no doubt self education is part of the process. You can attend seminars, read the countless brochures and pamphlets that arrive daily before you turn 65 and talk with friends. Whatever you do, just make sure you avoid the Medicare traps that lie ahead.

No doubt the BIGGEST mistake in choosing a Medicare plan is failure to properly estimate the cost of health care.

Maybe my story will help.

I am a baby boomer, going on Medicare in September of this year. In spite of 40 years in the health insurance industry, transitioning to Medicare was more challenging than I expected. Looking at Medicare options reminds me of my first time in Home Depot.

 

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices

Medicare traps and Home Depot

The first time I walked into Home Depot I was overwhelmed. I am not much of a handy man, but I do know which end of the hammer is useful.

hd hammerHome Depot must have had 100 hammers.

I needed someone to not only point me in the right direction, but explain why one hammer was better than another for the particular work I was doing.

Before Home Depot I owned 1 hammer. Now I have at least half a dozen, each designed for a particular job.

Medicare is the same way.

There are over 170 different GA Medicare plans to pick from. How do you find the right one?

Perhaps the biggest mistake people make in choosing a Medicare plan is underestimating the cost of health care.

Most people I talk to are in relatively good health and they assume they will remain that way for years to come.

I hope they do.

But we never know what lies around the next turn of the page on a calendar. Things can happen overnight.

 

Medicare Part D mistakes

One very common Medicare trap is failing to anticipate the cost of health care. More specifically, underestimating the cost of medications under Medicare Part D. drugs

If you have had a decent health insurance plan with Rx copay’s before Medicare you will probably be very disappointed in what you get with Medicare. Drugs that had a $20 copay under a group health plan may be $35 or more.

Diabetics using Novolog can expect to pay anywhere from $55 to $90 or even more for a 30 day supply. After you hit the donut hole your cost increases to $200 for a months supply.

AARP lists Part D goofs in their Top 10 Medicare Mistakes.

Mistake No. 5:
Not signing up for Part D because you don’t take any prescription drugs

Mistake No. 6:
Picking a Part D drug plan on the basis of its premium or its name or because your best friend chose it

If you are like most people, at some point while you are retired your largest expenditure will be for medication. Roughly 70 – 80% of your OOP health care costs will go toward medication.

 

Ken’s Medicare journey

About 4 years ago I met Ken and his wife over coffee at a McDonalds. Both were active and had enjoyed good health. Both were turning 65 and going in Medicare in a couple of months.

They were financially comfortable. Not wealthy but better off than many their age. They had been accustomed to high deductible health plans and wanted the same once they were on Medicare. The high deductible plan F (Hi F) appealed to them as a way to keep their monthly costs down.

They were business owners and, while the business was not going as well as it once did it still provided them with income to supplement their savings and Social Security.

At the time the Blue Cross Hi F plan was reasonably priced around $40 per month. Blue discontinued that plan about a year after they bought it because they lost too much money on it. Premiums for the Hi F have risen by double digits ever since. Aetna has one of the best rates now and is charging around $70/month for someone turning 65.

hospital bed emptyA few months after Ken enrolled in Hi F his health took a turn for the worse. Several weeks in the hospital and the doctors could not figure out what was wrong. He was weak, his heartbeat was erratic and they had difficulty stabilizing him.

He was eventually well enough to go home only to return to the hospital the next month, and in a new year.

Medicare Part A, the hospital inpatient portion, currently has a $1260 per admission deductible. When you have Hi F you pay the first $2180 in charges before the plan pays anything.

If your claims cross a calendar year you are looking at more than $4,000 in out of pocket costs.

That’s tough for anyone but to make matters worse, his illness meant he could no longer work. Their business continued to falter which put more financial pressure on them.

In addition to hospital and doctor charges, Ken began a new medication regiment. His drug costs went from less than $100 per month to over $600.

The biggest Medicare trap in my opinion is failing to anticipate your out of pocket health care costs.

In this situation, the worst thing he could have done would have been to have a Medicare Advantage plan where his OOP (out of pocket) costs would have more than tripled from $2,000 per year to $6,000.

Comparing Hi F to plan N is a much better value and in many cases about $30 more per month.

 

Confusing Medicare Advantage and Medigap

Along with buying the same plan your friends have, we often find that retirees think Medicare Advantage and Medicare supplement are the same thing. medicare disadvantage

They are not.

Medicare Advantage has a lot of moving parts, usually requires you to use a network provider to avoid penalties, makes it necessary to review (and probably) change your plan every 1 – 3 years, and will end up costing you a lot of money in OOP expenses when you need your plan the most.

Consumer Reports says confusing Medicare Advantage with original Medicare is one of the Seven Medicare Traps and Costly Blunders.

About one in four Medicare recipients opt for the newer Medicare Advantage plans. These are private plans (mostly HMOS) that take the place of original Medicare plus Medigap, and usually the Part D drug plan as well. While you’ll probably pay lower monthly premiums, bear in mind that you will not have Medigap to cover any deductibles and co-pays, which can vary from plan to plan. Thus, one of the downsides of an Advantage plan is potentially higher out-of-pocket costs if you get seriously ill.

Ken (in our story above) did have original Medicare and a Medicare supplement plan (Hi F) and still had over $4,000 out of pocket over 2 years. As bad as that was it could have been over $13,000 with an Advantage plan.

 

More Common Medicare mistakes

At one time your Social Security normal retirement age and beginning Medicare occurred at the same time, age 65. In 1983, long before Congress started raiding the “Trust Fund” to pay current obligations, they decided something had to be done to “save” Social Security.

medicare bad newsBeing politicians, their ingenious way was to DELAY future benefits for baby boomers and younger by changing the NRA (Normal Retirement Age) from 65 to 66 and even later.

Deciding when to start receiving Social Security is one thing, but don’t just assume that your Medicare should coincide with Social Security.

Bottom Line lists failure to sign up with Medicare at number one on their list of Medicare Traps

How much could a sign-up delay cost you? With Medicare Part B (that’s medical insurance), for each full 12-month period that you are late in signing up, a 10% penalty is tacked on to your premiums (basic premiums are $104.90 per month in 2015) for as long as you keep getting Part B. With Part D drug coverage, the penalty is 1% of the “national base beneficiary premium” ($33.15 per month in 2015) multiplied by the number of full uncovered months you were eligible but failed to sign up. The penalty applies if you are not enrolled for 63 days or more in a row when you don’t have creditable prescription drug coverage. (Creditable coverage means that your plan’s coverage is comparable to Part D plans.)

All of that could add up to perhaps $3,000 to $5,000 in penalties over the course of your retirement if you are one year late signing up…or climb to more than $10,000 if you are several years late.

Don’t miss your start date!

Shop and compare GA Medigap quotes

Instant online rates

Your information is NEVER sold!

 

#MedicareTraps  #MedicareBlunders #MedicareDisadvantage  #GAMedigapQuotes


How to Max Out Your Social Security

If you want to max out your Social Security benefit you will need to plan ahead. You can begin receiving Social Security at age 62 but most baby boomers will come out ahead to wait until FRA (full retirement age) at 66. Regardless of when you begin Social Security, most of us will go on Medicare A & B when we turn 65. How much is the spouse benefit?

How much does Medicare cost? Should I stay on my group plan or is it better to begin Medicare at age 65? Can I have Medicare without Social Security?

 

Social Security at age 62 or wait?

If you need to begin Social Security at age 62 for financial reasons, go ahead. It is your money. But if you want to max out your benefits the longer you wait the more you will receive each month. Apply for Medicare

The Catch 22 in your benefit is this. How long will you live?

If you are in relatively good health and your family has a history of living into their 80’s or older there’s a good chance you will have a long life too.

But we never know until we get there.

CNN Money addresses the question, “Should you tap your Social Security benefits early or wait?”.

Many people want to get their hands on their benefits as soon as possible, fearing (incorrectly) that Social Security will go broke. Others enjoy the sense of control they get from investing those funds instead of passively waiting for a higher payment down the road.

In spite of some claims, Social Security will not go broke. Technically, it already is. Excess payroll tax collections have mostly been borrowed by Congress to pay current obligations. The Trust fund is full of IOU’s but that does not mean Social Security will implode.

There are too many of us boomers out there and we are old enough to vote if they try and take Social Security away from us. Yes, I said us. I will turn 65 in September of 2015 and will go on Medicare. My plan is to delay SS until age 66 or possibly later.

 

Social Security planning

If you fail to plan you plan to fail. There is a lot to be said for that old saw.

Back in the old days when we wanted to go on vacation we planned ahead. Many of us ordered at trip planning kit from AAA that contained maps, information on lodging and restaurants and even included brochures of places to see.

That was then.

Now we go on the internet and let Google be our friend. We may map out our trip to get an idea of trip times but rather than bulky maps that never can be folded up neatly we rely on GPS to get us from point A to point B.

We don’t have a retirement GPS and we do need to plan ahead.

Of the items mentioned in the video, long term care planning is often the one that is most overlooked. I have a business associate that handles long term care for me. Let me know if you need an introduction.

 

Turn 65, go on Medicare?

At one time you had no choice. Most people retired at age 65 and some even a few years earlier. If you worked for a “big company” like AT&T or IBM you had a retiree health insurance plan.

But those days are mostly gone.

att retiree health insuranceMany large employers have cancelled their retiree health plan and shuttled their employees off to consultants like Aon or Towers Watson. Instead of a company health insurance plan you are forced onto Medicare. Your former employer may have set up a retiree HRA and made a deposit to help you pay for your Medicare Part B and either a Medicare Advantage plan or Medigap plus Part D.

The advice given by the service reps at Aon or Towers Watson is mostly inadequate. You may have also been told the only way to participate in the HRA was to buy your coverage through the consulting firm.

In many cases that may not have been completely accurate.

We helped several retirees find a plan that fit their needs and budget and still retain access to the HRA funding. In every case the premiums for plans we suggested were lower than those for comparable plans through Aon or Towers.

With more than 170 different Medicare supplement plans in Georgia, how do you find the right one for you? I will be glad to discuss the plans I considered as well as the one I will pick when I go on Medicare.

You can begin your search on our site. View plans side by side to compare benefits and rates. Of course we are always available to answer any questions you may have.

Georgia Medigap plans & Prices

Georgia Medigap plans & Prices

Still have questions?

Social Security can be confusing, even more so than Medicare. You are not the only one with questions.

Here are a few links to help you find your path and max out your Social Security benefits.

How to Max Out Your Social Security Checks

How to Calculate the Spousal Benefit

Social Security Spouse Benefits – The Rules of the Road

If you found this post to be of benefit please share it with your friends. Let us know how we can help.

 

#SocialSecurity #Medicareturning65 #AT&T

Home Depot and Medicare

The first time I walked into Home Depot I was overwhelmed. All I wanted was a hammer. What I didn’t know was, what kind of hammer I needed. Home Depot must have had 50 different kinds of hammers. hammers and medicare

All I wanted was to drive a few nails into some lumber.

Medicare is the same way, but different.

When you turn 65 and enter into the Medicare system for the first time it can be like my venture to Home Depot. It can be very overwhelming.

Feel free to browse around our Medicare “store” where you can shop and compare plans with one click in the comfort of your home.

medicareplansgeorgia

 

Home Depot knows hammers

Did you know there are claw hammers, tack hammers, ball pein hammers, cross pein hammers, club hammers, sledge hammers …………

The list goes on.

Fortunately for me there were people who knew how to help me. What kind of project am I doing? Am I handy with tools? Will there be other projects next year? How much can I afford to pay for a hammer? Do I need anything to go with my hammer, such as band-aids? Will I need an electric hammer or will a manual one work?

So many questions. Who knew that choosing a hammer would be so difficult?

The same is true with Medicare.

 

Choosing a Medicare plan is like picking out a hammer

cartoon medicare more complicated than rocket science When you turned 65 you probably talked to your friends about Medicare. What kind of plan did they have? Did they like it? Why did they buy it?

You also have received tons of stuff in the mail. Some from Medicare but most from insurance carriers pushing their plan.

Medicare used to be simple.

You turned 65. You went on Medicare. You picked out a supplement plan.

Now there are drug plans and Advantage plans. PPO’s, HMO’s, POS plans and more.

Let’s face it. You’re not in Kansas any more.

Too bad there’s not a Home Depot for Medicare.

 

No Home Depot, but you can get close

More like an Amazon for Medicare.

Georgia Medicare Plans is like shopping on Amazon for Medicare but with the personal service and expert advice you expect from a Home Depot.

Welcome to our “store”.

We welcome the DIY crowd at Georgia Medicare Plans. Feel free to look around, compare rates and plans. Make yourself at home.

We are here to help and answer any questions, but only if you need it. There is never any pressure to buy anything. You are free to enter and leave at your discretion, but we hope you will stay and ask a few questions.

Bob Vineyard has worked in the health insurance field since 1975 and specifically focused on Medicare for the last 5 years. We understand your frustrations.

You have questions. We have answers.

What is the difference in Medicare Advantage and Medicare supplement? What is a Medigap plan? Do I need a drug plan if I don’t take any medications? Which plans are accepted by my doctor? Which plans pay better than others? Which ones do not require me to file a claim? Is Medicare supplement plan F better than a Medicare Advantage plan? Do I need a supplement plan to go with my Advantage plan?

We are like Home Depot and Amazon. Personalized help and online shopping.

 

May I help you?

The most dreaded words in retail.

Most of the time we look away and say “No thank you, I am just looking”. Never make eye contact. If you do you know to get ready for a sales pitch.

At Georgia Medicare Plans there are no sales pitches. We don’t pester you to make an appointment. I won’t come to your home. I won’t try to sell you something you don’t need or want.

Most people that turn 65 think they are shopping for a Medicare plan. bob on fb

They are wrong.

What they really need is someone that knows the Medicare system and can explain it in ways they can understand ………….. in 10 minutes or less ………….. over the phone.

You are not shopping for a plan. You are shopping for an agent. That’s me on the right, in the Chop House at Turner Field.

I am here to help.

And I won’t make you buy a hammer.