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.
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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?
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.
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