Medicare Options Explained

Medicare part A provides coverage for inpatient care and Part B for outpatient services.  There are options available to help with the costs not covered   Medicare Options available to Medicare Beneficiaries  Medicare Part A which covers inpatient treatment for Medicare Beneficiaries and Medicare Part B which provides for outpatient services are both available to seniors and some people on disability under age 65 and is referred to as original Medicare.  However, original Medicare by itself … [Read more...]

Here’s How Medicare Is Changing in 2017

Medicare Changes in 2017 Medicare provides essential healthcare coverage to tens of millions of Americans, but every year, the program sees some changes to the way it offers its benefits. In 2017, not only will Medicare participants see typical changes in costs and coverage options, but they'll also see political pressure that could result in more dramatic healthcare reform that could affect Medicare. Below, we'll look at some of those changes and how they're likely to affect … [Read more...]

Beware Medicare Advantage Plans

Recent report says many buyers are confused Lisa Ward  Nov. 27, 2016 10:11 p.m. ET An increasing number of seniors are choosing to get their Medicare benefits through Medicare Advantage plans. But do they understand what they’re signing up for? A recent report suggests they may not, especially when it comes to which hospitals are included in the plans’ networks. An alternative to traditional Medicare and administered by private insurers, Medicare Advantage plans are typically … [Read more...]

10 Things to Know Medicare Open Enrollment

Open enrollment facts     Navigating the Medicare maze is confusing enough, but the added pressure of the looming open enrollment deadline can be overwhelming. Here are 10 things seniors should know. Open enrollment runs from October 15 to Dec 7, 2015 This window is the time that seniors can sign up for Medicare Advantage (Part C) or Medicare Prescription Drug Coverage (Part D) or they can make changes to an existing plan, move to a new one or change drug coverage benefits. There … [Read more...]

How Medicare Advantage Plans Work

Medicare Advantage Plans are also called Medicare Part C.   Medicare Advantage  plans are offered by private insurers. They provide all Part A and Part B coverage and usually offer extra benefits as well. In many cases, the premiums, co-pays and deductibles can be lower than they are in a Medigap policy. When you join a Medicare Advantage Plan, you are still in Medicare, however the insurance company coordinates with Medicare for you. You deal with the insurance provider … [Read more...]

Surge in Medicare Advantage Sign-Ups

Medicare Advantage Signups surprise     WASHINGTON — Five years into Medicare spending cuts that were supposed to devastate private Medicare options for older Americans, Medicare Advantage signups in private insurance plans through Medicare has shot up by more than 50 percent, confounding experts and partisans alike and providing possible lessons for the Affordable Care Act’s insurance exchanges. When Congress passed President Obama’s signature health law nearly six years ago, it helped … [Read more...]

Medicare For All

Expanding Medicare for All Would Solve Some Problems, Create New Ones     Medicare for all is various forms has been debated for years.  In 1998, President Bill Clinton suggested a partial solution to help millions of Americans without health insurance: The country should let those 55 and older without employer coverage buy into the government Medicare system. A few weeks ago, Hillary Clinton brought the idea back. It’s a proposal she’s talked about before: It was part of her 2000 Senate … [Read more...]

Arizona Medicare Options

Medicare Options available to Beneficiaries besides Original Medicare    Medicare Part A which covers inpatient treatment for Medicare Beneficiaries and Medicare Part B which provides for outpatient services are both available to seniors and some people on disability under age 65 and is referred to as original Medicare.  However, original Medicare by itself can leave the senior with significant out of pocket expense. “As an Independent Insurance Broker in Arizona” states Ralph Bredahl with … [Read more...]

Sicker Patients Seem at a Disadvantage With Medicare Advantage

New evidence suggests Medicare Advantage may not serve some sicker Medicare beneficiaries as well as it does healthier ones. Medicare Advantage is a private health insurance plans offer at least the same benefits as the public, traditional Medicare program for older Americans, as well as some who are disabled or have certain diseases. The private plans may also offer additional benefits not available from traditional Medicare — like coverage for hearing aids and eyeglasses — and lower … [Read more...]

Arizona Medicare Advantage-Nutshell

Arizona offers many choices for Medicare Advantage plans. HMO, PPO, PFFS, POS and SNP Ralph Bredahl is an Independent Medicare Broker in Arizona and is licensed in the state of Arizona. Medicare beneficiaries in Arizona have many choices when deciding on a Medicare Advantage plan and it can be a confusing choice. To enroll in an Arizona Medicare HMO you must have Medicare Part A and Medicare Part B, pay your Medicare Part B premium and live in the plans area “As an Independent Medicare … [Read more...]

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