Medicare Sign Up in Georgia

How do I sign up for Medicare? How much does it cost? Should I buy Medigap? When should I buy a Georgia Medicare supplement plan?Medicare Card

Sign Up for Medicare

  • Most people will be automatically enrolled in Medicare Part A when they turn 65.
  • Your Medicare begins the first of the month in which you turn 65 . . . UNLESS your birthday falls on the first day of the month. If you turn 65 on June 1, your Medicare will begin on May 1.
  • Part A helps pay for some of  your inpatient hospital care, some skilled nursing home care, home health care and hospice.
  • Part A is available without a monthly premium for most US citizens

Medicare Part B

  • You must ELECT to enroll in Medicare Part B.
  • You can sign up for Part B by going online to the SSA/Medicare site or by calling 1-800-MEDICARE.
  • Part B pays for SOME of your doctor expenses and certain outpatient expenses not covered by hospital insurance
  • You will pay a monthly premium for Medicare Part B which will be deducted from your monthly Social Security check. The 2012 premium for Part B is $99 for most people.
  • If you are not receiving Social Security, you can ask Medicare to bill you quarterly.
  • If you do not sign up for Part B when first eligible you may be required to pay a LIFETIME penalty

Buying a Medigap Plan

  • The best time to buy a GA Medicare supplement plan is when you turn 65 and enroll in Part B
  • Review the Medicare guide CHOOSING A MEDIGAP POLICY
  • Understand your rights to buying a Medigap policy and know when you cannot be refused a policy by an insurance company.
  • Compare Medigap rates and plans online. Quote, review, compare and apply online.
  • Ask for a competitive quote, personalized to YOUR needs and budget showing plans with the LOWEST PREMIUMS IN GEORGIA
  • Note: Medigap Plan F is OVERPRICED by most carriers. Ask Georgia Medicare Plans for VALUE PRICED MEDIGAP PLANS

Finding a Prescription Drug Plan – Part D

  • Even if you do not use prescription drugs now, you should sign up for Part D
  • If you fail to sign up for Part D when first eligible you will be required to pay a LIFETIME PENALTY for late enrollment
  • You can use the Medicare Prescription Drug Formulary Finder to pick a low cost drug plan in your area
  • Call 1-800-MEDICARE with a list of your medications, dosage and how often filled
  • Finding a Part D plan is a FREE service for Medigap clients of Georgia Medicare Plans.

 

Shop and compare Medicare supplement plans.

INSTANT GA Medigap quotes.

Your information is NEVER sold!

 

#Turning65 #EnrollinMedicare #GAMedigapQuotes

Medicare Age 65 Enrollment

Most of us look at Medicare age 65 enrollment with confusion and trepidation. Your initial enrollment in Medicare might as well be like trying to learn a foreign language.

Medicare has PARTS labeled A, B, C and D. That seems simple enough but trust me, it isn’t.

And then there are Medicare supplement plans, also known as Medigap. If you have Medicare, why do you need a supplement?

To make matters worse, Medigap plans are labeled A, B, C, D, F, G, K, L, M, N and Hi F.

Yes, some letters are missing from the sequence, but don’t let that bother you.

What Is Medicare Age 65 Enrollment?

Most of us will be automatically enrolled in Medicare Part A when we turn 65.

If you are not working when you turn 65 you will also be enrolled in Medicare Part B. If you are working, or if you are covered under an employer group health plan through your employer or your spouse, you will not need to enroll in Part B or Part D. Your group plan will coordinate with Medicare to help pay your outpatient expenses and drug charges. Either Medicare or your group plan will be primary.

Don’t worry about which is which for now, but if you work for a large company (more than 20 employees) the group plan is primary and Medicare is secondary.

Do I Need a Medigap Plan?

On turning 65 your next decision is do you want to remain in original Medicare and enjoy the freedom of using any doctor or hospital in the United States, or do you want to leave Medicare and go into a private Medicare system run by insurance carriers?

For many, their Medicare age 65 enrollment will be accompanied by choosing a Medigap plan to help pay the bills that are approved by Medicare but not paid by Medicare. Examples are your hospital admission deductible, your daily hospital confinement copay, your outpatient deductible, outpatient coinsurance and provider excess charges.

Medicare supplement plan F is the most popular plan and the easiest to understand. Curious about premiums for Medigap plan F. Follow this link to view instant Medigap quotes.

Please note that many carriers do not illustrate their rates online but you can rest assured Georgia Medicare Plans has access to the LOWEST RATES IN GEORGIA.

Make sure your Medicare age 65 enrollment goes smoothly. Ask how we can help.

 

Medicare Free Exam

Medicare doc fixMedicare free exam is available to seniors. Your complete Guide to Medicare Preventive Services is available by clicking this link. If you read the booklet you will notice colorectal cancer screening is included as part of your Medicare free exam.

Covered expenses include:

Fecal Occult Blood Test—Once every 12 months.
• Flexible Sigmoidoscopy—Once every 48 months after the last flexible
sigmoidoscopy or barium enema; or 120 months after a previous screening
colonoscopy.
• Screening Colonoscopy—Once every 120 months (high risk every 24
months) or 48 months after a previous flexible sigmoidoscopy.
• Barium Enema—Once every 48 months (high risk every 24 months) when
used instead of sigmoidoscopy or colonoscopy.

What you won’t see is a CTC (CT colonography) also known as a virtual colonoscopy.

Welcome to Medicare – Sort of . . .

Medicare Free Exam – Unless you want a CTC

In a recent speech to supporters he proudly mentioned that he has taken advantage of the “free” exam that is included in Obamacare.

In his routine physicals, for example, he has taken advantage of a state-of the art test shown by studies to be effective at detecting early colon cancer without exposing the patient to the potential risks associated with traditional colonoscopy: “President Obama, in his first routine physical exam as commander in chief, received a CT colonography (#CTC), commonly known as a virtual colonoscopy, to screen him for colorectal cancer.” A good call by Obama and his doctors. Unfortunately for #Medicare patients, his HHS apparatchiks have decreed that Medicare patients will not enjoy the same quality of care.

So why does the president get a free CTC but Medicare patients are not entitled to the same procedure?

In 2009, the government’s health care bureaucrats decided, “The evidence is inadequate to conclude that CT colonography is an appropriate colorectal cancer screening test.” Somehow, though, the evidence was convincing enough for the President’s doctors to recommend it. And the chief medical officer of the American Cancer Society said at the time, “Virtual colonoscopy, or CT colonography, ought to be available as one of several options for colon cancer screening.” So, if it’s good enough for the leader of the free world, why isn’t it good enough for Medicare patients? Well, one reason involved a concern “that costs would increase…”

Take a moment to consider that. The President of the United States, a public servant paid by the taxpayers, followed the advice of his taxpayer-paid doctors that he should have a taxpayer-paid CTC. Yet his health care commissars, also paid by taxpayers, have decreed that that it is too expensive to provide this very test to actual taxpayers when they retire and sign up for the Medicare program for which they have been paying all their working lives. This perverse system, it should be remembered, is not merely presided over but taken advantage of by a man who incessantly lectures these very taxpayers about “fairness.”

Seniors concerned about their health, seeking to take advantage of the Medicare free exam are getting short changed. A president that freely spends money on public works projects suddenly seems concerned about costs when it comes to our senior population.

 

And Prostate Glands

You might also find a Forbes article titled “Is President Obama’s Prostate Gland More Important Than Yours?” worth reading. Pay special attention to the USPSTF (U.S. Preventive Services Task Force).

ObamaCare empowers the government U.S. Preventive Services Task Force (USPSTF) to determine which preventive health services are medically appropriate. This is the same agency that aroused enormous controversy in 2009 when it proposed restricting screening mammograms to women over age 50 (and only every 2 years), despite the proven benefits of annual mammograms beginning at age 40. (Under pressure, Secretary of Health Sebelius later backpedalled from those guidelines, declaring them non-binding.)

This year, the USPSTF aroused similar controversy by giving a “D” grade (“not recommended”) to routine PSA prostate cancer screening.

Obamacare is touted as a wonderful law that provides a number of free services . . . unless those services might be life saving. Makes you wonder what else you are missing with your Medicare free exam.

 

Does Medicare Cover Routine Physical Exams?

I get this question a lot. Someone is spreading a rumor that Medicare wants old people to die and refuses to pay for their routine physical exams.

Not true.

This 3 minute video will explain.

 

Medicare.

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

#WelcomeToMedicareExam #MedicareRoutinePhysical

 

 

Georgia Medicare Doctors Say No

Georgia Medicare doctors are saying no to new patients. If you are turning 65 and going on Medicare, you may be shocked to know many Georgia Medicare doctors are not accepting new patients.                      ga-medicare-doctors

A wave of aging baby boomers will soon join the estimated 1.2 million Georgians currently on Medicare, but fewer Georgia Medicare doctors are taking new patients, according the American Medical Association.

“They’re going to find it much harder to find a physician that will accept the low payments that Medicare is giving, because they can’t afford to,” American Medical Association Chair Dr. Robert Wah said.

WSBTV, “Doctors rejecting new Medicare patients

If Georgia Medicare doctors are not accepting new patients, what is a person to do?

You could purchase a Medicare Advantage plan from an HMO such as Kaiser. The structure of the KP HMO is such that finding  Georgia Medicare doctors is much easier than other MA plans or those with original Medicare and a Medigap plan.

“They’re going to find it much harder to find a physician that will accept the low payments that Medicare is giving, because they can’t afford to,” American Medical Association Chair Dr. Robert Wah said.

The payment formula used to fund Medicare has come up short for the past decade, forcing congress to pass short-term fixes to avoid cutting reimbursements to doctors. But doctors are getting tired of the threat of cuts, so more are choosing not to accept new Medicare patients.
    
“Physicians are dedicated to their patients. They want to take care of their patients, so they’ll probably stay with their current patients, but the new patients will have trouble,” Wah said.

Georgia Medicare doctors cannot afford to lose money on new patients. Don’t expect Congress to do anything until January when they reconvene after the election. The economy and middle east are hot election topics but seniors on Medicare are also keeping a watchful eye on how DC will implement cuts in Medicare funding.

Neither presidential candidate will eliminate Medicare, but Obamacare does gut funding for Medicare. This means fewer Medicare Advantage choices, higher premiums, and higher copay’s.

“We will improve health care only if and only to the extent that the federal government backs away from micromanaging the health care sector,” said the Cato Institute’s Michael Cannon.

The current Medicare fix runs out at the end of February. Unless Congress acts, Georgia doctors will lose an average of $31,000, according to the American Medical Association.

How do you find Georgia Medicare doctors that are approved by Medicare and accepting new patients? Georgia Medicare Plans suggests you FOLLOW THIS LINK to find Georgia Medicare doctors

Medicare Patients Have Trouble Finding Doctors

Medicare patients are having trouble finding doctors willing to treat them. Every time the government cut’s doctor reimbursements for Medicare patients, the doctor has to decide if they can afford to continue treating Medicare patients.

If you are on Medicare and need treatment you may run in to Dr. No . . .

Dr No

Dr No

If you just turned 65 you may be in for a surprise. Some doctors, including your family doctor, may not be taking any new Medicare patients . . . including you.

This Madison clinics decision to refuse new Medicare patients may be a trend.

Wertsch, a big guy with a droopy mustache who founded the clinic in 1977 with his wife and another graduate of the University of Wisconsin-Madison’s family practice program, says he and the other 10 doctors who now manage and own the practice can no longer afford to provide that care to additional people on Medicare, who already make up a quarter of the clinic’s caseload and up to 70 percent of the rosters of its older doctors, like him.

Medicare pays only a quarter to a third of every dollar the clinic charges, Wertsch says, often half of what private insurance carriers pay. When you figure that overhead for the clinic — which includes stuff like electricity, staff salaries, and a whopping $700,000 or so for the clinic’s electronic records system — adds up to around 80 cents on the dollar, accepting Medicare is a losing proposition, he says. “I love taking care of Medicare patients,” says Wertsch, 68. “But every time we treat them we have to dig into our wallets. What kind of business model is that?”

Read more: http://host.madison.com/ct/news/local/health_med_fit/madison-clinic-s-decision-to-stop-taking-new-medicare-patients/article_70520894-72c8-11e1-a7d0-0019bb2963f4.html#ixzz1pn2FyZ4y

We see and hear about this more often. Doctors lose money treating Medicare patients and have to make it up somewhere else.

That somewhere else is in the form of seeing fewer Medicare patients and more private insurance patients where the reimbursement for services rendered is considerably higher.

Most doctors accept Medicare asssignment but some are not taking on new Medicare patients. This can be even more challenging if you have a Medicare Advantage plan. Less than half the doctors in Georgia take ANY Medicare Assignment plan and even when you do find a doc willing to take Advantage plans they may not take yours.

Georgia Medicare Plans has affordable Medigap rates for GA seniors. Ask your doctor if they are taking new Medicare patients before making any decisions.