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This page is not intended to answer every question. That's why I'm here. It is intended to let you know enough to get started. With original Medicare, every time someone on Medicare is admitted to the hospital they are responsible for $1,408 and when they see a doctor they are responsible for 20% of those costs without limits. If you do not enroll in Medicare Part B and D when you are first eligible, you will be responsible for late enrollment penalties all of the days of your life.
Medicare supplement plans allow you to go to any doctor or hospital that accepts Medicare.
When you become eligible for Medicare, whether by reaching age 65 or becoming disabled you may keep your employer coverage or you may select any plan that is offered with no health questions.
After the original enrollment, you must qualify medically to move to another company. This is why we take rate stability, not just todays premiums, before we advise which plan to select.
All Medicare supplement plans with the same name are identical from company to company.
Monthly premiums vary greatly between companies and that is why we choose to represent so many different companies.
Companies in most states raise their rates annually based on your age. Some companies stop raising their rates at a predetermined age. All companies may raise their rates as operating cost increase.
Even the high deductible plans have an out of pocket maximum risk of $2,350 while most plans have an out of pocket maximum of only $203 per year.
With a Medicare supplement plan you will also,likely, need a drug plan (Part D)
Medicare advantage plans, also called Plan C, replace, while you are enrolled in the plan, original Medicare and instead of being covered by an insurance company.
With a Medicare advantage plan you must either go to a doctor (or hospital) in the network or belong to a PPO where you will pay considerably more.
There are no health questions, at any point, to qualify for a Medicare advantage plan.
Each year the costs and benefits change. The out of pocket maximum for plans in Maryland for 2021 range from $6,550 to $11,330 per year.
Monthly premiums and networks and benefits vary greatly between companies and that is why we choose to represent so many different companies.
There is an open enrollment period each year to reevaluate your choice.
With a Medicare Advantage plan it will likely include drug plan (Part D)
Some people have employer, retiree union, or Tricare. It is often a mistake to abandon these policies. Please call to review before you make a decision in haste.
Dental, vision, hearing aid, long term care and final expenses are not included in most plans. These must be considered separately.
You may be eligible for Extra Help either through the State of Maryland (or other States)
Your family will always come first; you wouldn`t want them to have to bear the financial burden of your last days. No matter what your age, it`s always good to have a plan as to how you intend to cover these costs. Final expense insurance will pay for your funeral service and other associated costs.
Your standard of living is important to you. Should you be taken ill or suffer mobility problems further down the road, we want you to lead the most comfortable life you possibly can. Long term care insurance makes this possible. It also lifts the burden of care from those around you, improving the standard of living for everyone you hold dear.
We know about the benefits and pitfalls of group versus single insurance policies; employer sponsored health plans; term versus whole life and other insurance `gray areas` that customers often wish to better understand. Please don`t hesitate to call us with your questions, no matter whether you are a valued customer, a potential one, or if you simply need advice.