Do I need a Medicare supplement plan?
If I have Medicare, do I need a supplement insurance plan? Is supplemental coverage a waste of money? How is an Advantage plan different from Medigap insurance?
Table of Contents
Where can I find Medigap Rates Without a Sales Pitch?
Isn’t Medicare Enough? How much does a Medicare supplement plan cost? Where can I see Medigap rates?
Do I need a Medicare insurance agent?
Is an Advantage Plan Better?
Do you like your doctor? Would you like to keep your doctor? Will your doctor accept all Medicare plans?
What if I don’t want an HMO? Is a PPO plan better? Do I need a referral? Does Medicare require pre-authorization?
Budget Medical Bills with a Supplement Plan
Would you have trouble paying a big medical bill? Could you pay $7,000 for medical care if you needed it? Is $1500 more affordable? Do you have a line of credit or savings account?
Medigap insurance plans limit your out of pocket while preserving your right to use any doctor that accepts Medicare patients.
Could you borrow money from family or friends if needed to pay health care expenses?
With most Medicare Supplement insurance plans you can use any doctor, health professional or hospital in the United States that accepts Medicare patients.
There are no networks or referrals. No worry about surprise billing with most Medigap plans.
How to Find the BEST Medigap Plans in Georgia
You have a problem.
How do you find answers to your Medicare questions WITHOUT getting a SALES PITCH?
Everyone wants to talk. No one wants to listen and answer . . . until you BUY SOMETHING.
Something you don’t want, don’t need and can’t afford.
Medicare explained using words you can understand. A Medicare 101 course if you will.
Give me 10 minutes by phone. Ask ANY question.
How does Medicare work?
I can tell you.
What’s the difference in Medigap and Medicare supplement?
Like Kleenex and tissue, Medigap and Medicare supplement are two ways of saying the same thing.
How easy was that?
GA Medicare expert Bob Vineyard can help. Never any selling. We shop for you, then let you select the plans that fit YOUR needs and budget.
If you want to allow me to be your agent I will be most happy to assist and offer continued service. Anytime you have questions just call or email.
You have entered the No Selling Zone.
Call (404)252.5859 or email [email protected]. Watch our Medicare videos on YouTube.
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. SSA
Medicare is health insurance designed primarily for folks age 65 and older. Those who are younger than 65 may qualify if they are disabled or have end stage kidney disease.
Medicare has 4 parts.
Your red, white and blue card is broadly accepted by doctors and hospitals alike. No networks! Referrals never required. No prior authorization.
Medicare has Four Parts
Part A covers hospital inpatient charges and has a per admission deductible
Part B Medicare 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.
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.
Why is Medicare Part D Confusing?
Seniors often buy the wrong drug plan and spend too much on their prescription plan. Seniors on Medicare spend an average of $263 per month on prescription medications.
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.
Medicare Advantage is Like a Store Credit Card
How are Medicare Advantage plans like a store credit card?
Non-emergency out of network care charges may be denied if you have an HMO.
Medicare insurance agent Bob Vineyard has answers. Call or email.
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