Georgia Medicare Plans

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How a Medicare Advantage Plan is Not What it Seems

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Did you enroll in a Medicare Advantage Plan and then discover it is not a Medicare supplement? If so, you may be able to disenroll and change plans. You may be granted an SEP to change plans IF you . . .

Were led to believe you were enrolling in a SUPPLEMENT plan and instead were SOLD an Advantage plan

Were told your doctors were in NETWORK but in fact they are not . . . or the benefits described don’t match your plan. Unfortunately, you may not discover the plan you bought is not the same as the plan you have until you actually USE the plan.

How much does a Medicare Advantage plan really cost?

Most folks love their Advantage plan as long as they are healthy . . . but when they get sick or injured they finally realize just how EXPENSIVE this plan without a premium really is.

Medicare Advantage plan
Medicare Advantage Not as it Seems

A Medicare Advantage Plan is for Healthy People

Is there a disadvantage to a Medicare Advantage plan?

My relative loved his low premium Medicare Advantage plan for years . . . until he was diagnosed with cancer. At that point he realized his choice of a Medicare plan was about to become very expensive and he could incur hundreds and thousands of dollars in copays.

He wanted to drop his managed care PPO plan and change to original Medicare and a supplement plan.

Unfortunately, his diagnosis meant he would have to wait at least 5 years before he could be CONSIDERED for a Medigap plan. By then it was too late and the cancer claimed his life and several thousand dollars in OOP (out of pocket) costs.

His widow was left with thousands of dollars in unpaid medical bills. Not only did his Social Security benefit end, but because he died on the last day of the month, SSA reclaimed the last deposit in his checking account.

Medicare Advantage Scam

Kay Tillow writes for Daily Kos about the “Medicare Advantage scam” and beyond. She explains that these for-profit health plans that deliver Medicare benefits are using stars like Joe Namath to mislead people into signing up for coverage that very well might not meet their needs if they get sick or need a lot of costly care. Medicare Advantage plans, in fact, could keep them from accessing critical care.

What Namath does not tell you is that if you choose the wrong Medicare Advantage plan, you might face inappropriate denials of care, along with other administrative and financial barriers to care. Indeed, new research finds that the wrong choice of Medicare Advantage plan might literally kill you. That’s what Yale economics professor Jason Abaluck found when analyzing data about these corporate health plans. But, the plans won’t let you have access to their mortality data, and Congress is not requiring them to give you access.

These plans can cover a broad list of health services at low out of pocket cost . . . until you get sick. When your health changes for the worse you most likely will not qualify for a Medigap plan which means you are stuck . . . until your health improves, you run out of money or you die.

Learn About Medicare Plan Options

Medicare 2022 information. Our videos help you to understand about Medicare options. You have questions, I have answers. Medicare supplement plans, Medicare Advantage vs Medicare supplement. Medicare Part A, Medicare Part B. Which Medicare plan is BEST? How to change Medicare plans? Medicare supplements plan G information and rates. Which Medicare options are best? What is original Medicare? What are Medicare basics? Turning 65 Medicare? Medicare explained.

Medicare Topics on Video

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Georgia Medicare Plans. An offer you can’t refuse

Do I Need Medicare Supplement?

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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?

Do I need a Medicare supplement plan?

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.
https://www.youtube.com/c/GeorgiaMedicarePlans

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
https://www.ssa.gov/benefits/medicare/

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.
https://youtu.be/LaA9NnFeBXI

Medicare Advantage is Like a Store Credit Card

How are Medicare Advantage plans like a store credit card?