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eBenefitsByDesign.com
5322 Land O Lakes Blvd
Land O Lakes, FL 34639
United States
ph: (813) 995-2821
fax: (866) 401-6446
alt: (813)) 361-7855
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Services We Offer...
Medicare Special Enrollment Periods for Medicare Advantage Plans and Medicare Part D Drug Plans
We proudly repesent:
- Aetna Medicare
- Baycare
- CarePlus
- Cigna-HealthSpring
- Humana Medicare
- Wellcare Medicare
- UnitedHealthcare Medicare Solutions
- and others...
Medicare Products and Services We Offer...
Get Personal Guidance from a Local Medicare Agent!
Get answers and avoid confusion, worry and often expensive mistakes involved in choosing a Medicare Advantage or Medicare Supplement Insurance Plan by yourself. We do all the research and hard work, so you can get a clear, concise view of real and comparable costs, such premium, deductibles, copays and coverage limits.
Medicare Advantage Plans - Medicare Part C
A Medicare Advantage Plan is a type of Medicare health plan offered by a private insurance company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-for-Service Plans (PFFS), Special Needs Plans (SNP), and Medicare Medical Savings Account Plans (MSA). If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
Watch the Video: CLICK HERE!!
Medicare Suppplement Insurance also known as Medigap
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
A Medicare supplement (Medigap) insurance, sold by private insurance companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
8 things to know about Medigap policies
- You must have Medicare Part A and Part B.
- If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
- You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
- A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
- You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
- Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
- Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
- It's illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.
Watch the Video: CLICK HERE!!
Medicare Prescription Drug Plans - Medicare Part D
Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan when you're first eligible, and you don't have other creditable prescription drug coverage, or you don't get Extra Help, you'll likely pay a late enrollment penalty.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.
2 ways to get drug coverage
- Medicare Pescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
- Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage. You get all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan.
Watch the Video: CLICK HERE!!
2018 Prescription Drug "Standard Benefit"
Here the highlights for the CMS defined Standard Benefit Plan changes for 2018. The "Standard Benefit Plan" is the minimum allowable plan to be offered.
- Initial Deductible - $405.00 in 2018
- Initial Coverage Limit -- $3,750.00 in 2018
- Out-of-Pocket Threshold - $5,000 in 2018
- Coverage Gap (donut hole)-- begins once you reach your Medicare Part D plan's initial coverage limit ($3,750.00 in 2018) and ends when you spend a total of $5,000.00 in 2018
- In 2018, Part D enrollees will receive a 65% discount on the total cost of their brand-name drugs purchased while in the donut hole.
- The 50% discount paid by the brand-name drug manufacturer will still apply to getting out of the dunot hole, however the additional 10% paid by your Medicare Part D plan will not count toward your TrOOP.
- Enrollees will pay a maximum of 44% co-pay on generic drugs purchased while in the coverage gap.
- Minimum Cost-Sharing in the Catastrophic Coverage Portion of the Benefit -- will increase to greater of 5%, or $3.35, for generic or preferred drug that is a multi-source drug and the greater of 5%, or $8.35, for all other drugs in 2018
- Maximum Co-payments below the Out-of-Pocket Threshold for certain Low Income Full Subsidy Eligible Enrollees will increase to $3.35 for generic or preferred drug that is a multi-source drug and $8.35 for all other drugs in 2018
eBenefitsByDesign.com
5322 Land O Lakes Blvd
Land O Lakes, FL 34639
United States
ph: (813) 995-2821
fax: (866) 401-6446
alt: (813)) 361-7855
info