Call (888) 310-0376 to Compare all Medicare Part D Plans in Your State. Get Instant Access to my Medicare mini-course. Visit: http://medicare-mini-course.com In this video I explain 5 things you should know about Medicare Part D before you enroll. There have been significant changes to the Part D program since its inception in 2006. Visit http://affordablemedicareplan.com and get access to hundreds of articles on Medicare Part D, Medicare Advantage and Medicare Supplement insurance. There have been changes to enrollment periods, how premiums are calculated as well as adjustments to the Standard Benefit Model. Some things haven't changed such as who is eligible to join and how plans work. Here are 5 things you should know about the Medicare Part D program and Part D plans in particular. One. You need to know what Part D is and how it works. So what is Medicare Part D? Part D is optional prescription drug coverage for Medicare beneficiaries who are enrolled in both Medicare Parts A and B. Although Part D is optional, you should enroll when you first become eligible or potentially be subject to the Part D penalty which will have an impact on what you pay for as long as you are enrolled in a plan. Part D is offered by private insurance companies and is not part of original Medicare. Plans are offered by service area and you must live in a service area to be eligible for a plan. You can get Part D in one of two ways; you can enroll in a stand-alone plan (PDP) or you can enroll in a Medicare Advantage Plan that includes drug coverage. Plans are effective for one calendar year. Two. Understanding the terminology of Part D is important. Medicare Part D Premiums -- Premiums are paid monthly and have ranged in the low to mid $30 range for the past few years. Part D Deductible -- The deductible is the amount you may be required to pay prior to your plan paying a share of prescription drugs. Part D copayment / Coinsurance -- This is the amount you pay at the pharmacy. Drugs are place in tiers and normally a plan has four or five tiers. Initial Coverage Limit -- This amount is set annually by Medicare and will be the same for all plans. It is the amount both you and your plan will pay prior to you reaching the Part D coverage gap. Medicare Part D Donut Hole -- This is the coverage gap that you may enter if you exceed the initial coverage limit. Part D Catastrophic Coverage -- This phase is reached after you have spent a fixed amount in the Donut Hole, currently $4750. During this phase you will pay very small copayments or coinsurance amounts for your drugs. Third. You should understand the Medicare Part D enrollment periods. There are 3 types of Part D enrollment periods. When you first become eligible you have a seven month window to submit an application. If starts three months before the month you turn 65 or if you will receive Part D due to a disability it will start 3 months prior to your 25th month of disability. The Part D Annual Election Period is the time to compare Part D Plans because you are able to switch, drop or enroll in a plan. Part D Special Enrollment Periods are time that you can enroll in a plan, normally due to a change in your individual circumstances. Such as, moving from a plan's service area or losing other creditable drug coverage like from an employer or union (including (COBRA). If you live in a nursing home you also are entitled to a Special Enrollment Period. The 5 Star Special Enrollment Period allows you the opportunity to switch into or enroll in a 5 Star-rated plan once per year. Plans are rated from one to five stars by Medicare and are a reflection of the experience people who have been in enrolled in the plan have had. You are allowed to enroll between December 30th and November 8th. If you qualify for Medicare extra help you can change plans anytime. Fourth. You must know how to conduct a thorough comparison of Medicare Part D plans. You can see all available plans for your service area at the Medicare Plan Finder at medicare.gov. But don't choose a plan based on premium alone. There's a lot more to plan cost than the monthly premium. Start your search for the best plan by exploring the Medicare Part D formulary for each plan. The formulary is the list of drugs which are covered by a plan. There is no universal Part D formulary, each plan will be unique. Formularies are either Basic or Enhanced. Making sure all your drugs are covered is your number one goal. Also compare: Plan Deductibles Copayments and Coinsurance amounts Pharmacy Networks Part D Mail Order benefits Fifth. You should be aware that your Part D premium may not be what is published at medicare.gov. Premiums are now tied to your annual income. If you qualify for Medicare extra help, you may pay $0 premiums, but if you earn over $85,000 as an individual or over $170,000 filing jointly, you are going to pay more.
Views: 184502 David Forbes
How to Choose a Medicare Drug Plan. Complete Medicare Resource Center here: http://www.MedicareonVideo.com 1-877-88KEITH (53484) Important Points to Know about Obtaining Medicare Drug Coverage When enrolling for Medicare you can get coverage for prescription drugs. Medicare drug coverage is available through private insurance companies approved by Medicare. There are different ways to obtain the coverage with associated costs that vary depending on other coverage used with this plan. It is important to know how this works with other insurance you have in order to get the best coverage. Here is what you need to know about this option. How Do You Get Coverage You have two options to get drug coverage including through Medicare Part C Advantage Plan or through Part D Prescription Drug Plan. The most common way is through Part D. This plan can be used with original Medicare and other plan option such as a Medical Savings Account (MSA) or Medicare Cost Plans. Part C or Medicare Advantage Plan includes using a PPO or HMO along with benefits similar to Part A and B. You may be required to sign up for Part A and B in order to obtain Part D with Part C. Medicare drug coverage options may vary and could change depending on what Part C covers. Associated Costs and Getting Help Your income will determine how much you pay toward prescription drugs. If you receive Social Security you can have costs deducted from your Social Security payment. You may be required to satisfy an annual deductible before the drug coverage starts to pay. You may be required to pay a copay or coinsurance after paying a deductible (if your plan has this requirement). There are drug plans with different tiers that show how much you could pay depending on related costs. Generic drugs may have cheaper copay than name brand. The copay can be anywhere from a few dollars to $10 or so. The coinsurance is roughly a percentage of what the beneficiary pays before Medicare insurance covers costs. An example may be 20 or 25 percent. When you pay for drugs you are paying for a month supply unless stated otherwise. There is potential for out-of-pocket costs to be paid by the beneficiary if the insurance does not cover the cost, but in few cases this is rare. Additional Tips on Drug Coverage You can get help paying for Medicare drug coverage if you qualify. You may need to provide proof of documentation to show your eligibility for assistance. Such options may allow you to pay just a few dollars for medicine. You can obtain help when you are receiving medication and before your supply runs out for the month. The amount you pay for your plan varies based on drugs used, plan option, where you go to obtain prescriptions, if the drug is on the formulary approved by Medicare, and whether you qualify for assistance in paying for drug costs. You may qualify for assistance by your state if you receive Medicare Part A and/or Part B coverage. Enroll for coverage during the initial period to avoid paying penalites. Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn Watch My Most Recent Video Here: https://goo.gl/jzN8Rn ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Views: 18306 Keith Armbrecht
https://expertmedicare.com 1-888-228-6119 In this video, Keith Murray of Integrity Senior Solutions shows you how to navigate the Medicare.gov website to compare drug prices and enroll in a plan. Medicare Part D Enroll in drug plan Medicare Prescription Plan Medicare Part D premium Part D Plans Help with Medicare Independent Medicare Agents Georgia Medicare Part D Nebraska Medicare Plans Best Medicare Drug Plans Cheapest Prescription Drug Plan in Medicare Part D Donut Hole
Views: 231 Keith Murray
What is the Part D penalty for not signing up with a Medicare drug plan? "Do I have to sign up for a Medicare drug plan?" These questions and more are answered here. http://MedicareAgentTraining.com - Help for Seniors http://SeniorSavingsNetwork.org - Help for Agents Avoid the Part D penalty by signing up with a drug plan. I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Views: 23990 Christopher Westfall
Open enrollment is a great time to find the best Medicare Part D Drug Plan for the next year. I explain why you want to check, and show you how easy it is with the Medicare website. More at: http://pharmacisttips.com/prescription-insurance-plans/finding-the-best-medicare-part-d-plan-for-you/
Views: 74 Pharmacist Tips
Medicare Part D: http://medigapinfo.net/new-to-medicare/ or call 1-844-528-8688 Best Medicare Supplement Plan Here: https://www.youtube.com/watch?v=dGHEzYMylEA This video https://www.youtube.com/watch?v=vKV1PE2SuFs Explains how to find the BEST Medicare Part D drug plan for seniors when turning 65 or during the Annual Election Period. We highly recommend using the Medicare.gov plan finder tool here: https://www.medicare.gov/ or calling Medicare direct at 1-800-633-4227. You can get more Medicare information by going to our channel here:https://www.youtube.com/channel/UCpeawY2B_hUuZhV26QAwRuQ or visit our website. http://medigapinfo.net/ 1-844-528-8688 Part D is prescription drug coverage for Medicare beneficiaries who are enrolled in both Medicare Parts A and B. Although Part D is optional, you should enroll when you first become eligible or you will be subject to the Part D penalty which will have an impact on your rates, for as long as you are enrolled in a plan. Part D is offered by private insurance companies and is not part of original Medicare. Plans are offered by service area and you must live in a service area to be eligible for a plan. Medicare Part D Premiums -- Premiums are paid monthly and range from $18.40 to over $75.00 with the national average for 2016 being $36.41. Part D Deductible -- The deductible is the amount you may be required to pay prior to your plan paying a share of prescription drugs. The amount of deductible and on what tiers, it is paid on will be determined by the Part D you choose. Part D will also have copayments and/or coinsurance, this is the amount you pay at the pharmacy, and will be determined by what tier your prescription is. Initial Coverage Limit -- This amount is set annually by Medicare and will be the same for all plans. It is the amount both you and your plan will pay prior to you reaching the Part D coverage gap. Medicare Part D Donut Hole or Gap -- Is the coverage gap that you you will enter if you exceed the initial coverage limit of $3310.00 for 2016. This amount is the total spent by you AND the Insurance company combined. Part D Catastrophic Coverage -- Is reached after you alone (TrOOP) have spent a fixed amount in the Donut Hole, this amount is called True Out of Pocket. For 2016 the amount is $4850.00. During this phase you will pay very small copayments or coinsurance amounts for your drugs normally around %5. Table of Contents: 00:00 - Introduction 00:24 - Slide 1 01:34 - Part D Late Enrollment Penalty 06:01 - Slide 7 07:00 - Slide 8 08:36 - Slide 9 _________________________________________________________________ **Dont miss a single Medigap video Click Below to SUBSCRIBE** http://www.youtube.com/channel/UCpeawY2B_hUuZhV26QAwRuQ?sub_confirmation=1 ----------------------------------------------------------------------------------------------------------- Loran Marmes Medicare Solutions Team http://medigapinfo.net/ Facebook: https://www.facebook.com/medicaresolutionsteam/ -----------------------------------------------------------------------------------------------------------
Views: 7539 Medigap TV
How to enroll into a Medicare Part D plan on Medicare.gov
Views: 394 Gentry Ferguson
This quick video will walk you through each step in getting your prescription drugs covered by a Medicare Part D Plan. Frank Bryant of Medigap360 will show you how to find the right plan for you and avoid the potential pitfalls in the online process at Medicare.gov.
Views: 5377 Medigap360
Medicare Supplement plans, Turning 65? Part D enrollment Date -~-~~-~~~-~~-~- Please watch: "Medicare Supplements/Medigap Plans- There is no such thing as a "Better Plan"" https://www.youtube.com/watch?v=_khlTxbIj5g -~-~~-~~~-~~-~-
Views: 12 MedicareSolutionsTurning65
http://SeniorSavingsNetwork.org 1-800-729-9590 This explains how to find the BEST Part D drug plan for seniors when turning 65 or during the Annual Election Period. For complete, unbiased help in obtaining the lowest total cost Part D plan, you really must go through the Medicare.gov Plan Finder tool OR (better) use their call center which is open 24 hours a day. The best tip is to call the call center late at night, so that you do not have to wait on hold. best part d drug plan when turning 65 best part d drug plan for 65 year old best medicare drug plan for 65 medicare drug plan search search part d plans I-M-P-O-R-T-A-N-T L-I-N-K-S Best Medicare Plan Information 1-800-729-9590 Call 24 hrs Our site: https://SeniorSavingsNetwork.org (Secure) Follow us on Facebook: https://www.facebook.com/SeniorSavingsNetwork/ Best Medicare Videos: https://seniorsavingsnetwork.org/bestvideos Subscribe here on Youtube: https://seniorsavingsnetwork.org/youtube Make sure to also click on the BELL icon when you subscribe! Our service is 100% Free and we have the same rates the carriers have, directly, so you get us for free!
Views: 137163 Christopher Westfall
2018/2019 Medicare Enrollment- Change Medicare Supplement, Medicare Advantage or Medicare Part D Plan. What is the 2018/2019 Medicare Enrollment Period and why is it important to you? This video outlines what you can do and the changes you can make during the 2018 Medicare annual enrollment period, regardless of the type of Medicare coverage you have. The Annual Enrollment (Election) Period (AEP) takes place October 15 to December 7 and is available to all Medicare beneficiaries, especially those that have a Medicare Advantage "Part C" plan and/or a Medicare drug plan "Part D". If you have a Medicare Supplement insurance plan "Medigap" and want to change your plan for any reason, you can do that at any time during the year. During the Annual Election Period: Beneficiaries may add or drop MA (Medicare Advantage) and/or drug coverage, or return to Original Medicare. No action is needed if the beneficiary chooses to keep his/her current plan. She/he should check for any benefit changes under the plan. Beneficiaries may make more than one enrollment choice during the Annual Election Period, but the last one made prior to the end of the Annual Election Period, as determined by the date the plan or marketing representative receives the completed enrollment form, will be the election that takes effect. My name is Chad Cason and I just want you to know that at my agency we truly do care about people as well as helping them to make the right decision. :) For free help with your Supplement coverage please contact me at: Direct Line: (888) 901-4870 Email: email@example.com Website: www.lifelonginsurance.com You might also enjoy, “Medicare + Medicare Supplement Plan = 100% Coverage" https://www.youtube.com/edit?video_id=9C3kRL7Vc5c Social Media YouTube Channel https://www.youtube.com/channel/UCRYcmG-O1-7OczcYLzgR94Q/featured Facebook Page https://www.facebook.com/lifelonginsurance/ Twitter https://twitter.com/LifelongIns Google Plus https://plus.google.com/u/0/b/100764442586203325713/+LifelonginsuranceHeretohelp Please Subscribe To Our Channel
Views: 424 Lifelong Insurance
Medicare Open Enrollment 2018. Complete Medicare Resource Center here: http://www.MedicareonVideo.com 1-877-88KEITH (53484) Medicare Open Enrollment 2018 starts from October 15th to December 7t h. During this time, all Medicare members can update or alter their medical protection schemes. This includes changes to current Medicare healthcare plans that will come into effect in 2019. Learning of the purpose for enrollment and the options available, can help you best prepare for updated medical and prescription coverage. Your Options for Medicare Enrollment 2018 During the Open Enrollment period for Medicare, all registered members are provided the chance to change their healthcare plan. If you wish to upgrade your prescription cover or completely change your general healthcare program, the Medicare Open Election period 2019 allows you to do so easily and conveniently. You can upgrade your Medicare Advantage Plan or your Medicare Part D plan or prescription benefits. Qualifying seniors over the age of 65 years who qualify for Medicare plans may find their cover insufficient for their specific wellness, clinical and chronic care needs. Unfortuantely, you cannot alter your coverage halfway through the year if you find it does not provide what you are looking for. The enrollment period between October and early December offers the chance to make these amendments that become active in January 2018. For Medicare Advantage or prescription cover, members can complete their updates during the stipulated enrollment period with ease. There is no need to register membership for the change in protection or fill out lengthy and complex forms. For those who reside in a chronic care facility or have received a diagnosis of End Stage Renal Disease, you will not be eligible to enroll for the Medicare Advantage Plan at this time. Notice of Change You may receive an Annual Notice of Change or ANOC for the enrolment period, but documents received through the course of the year concerning your healthcare plan should be reviewed. If you wish to alter the policy, you must learn which options or modifications to plans, can better meet personal health needs. Remaining aware of policy features including the extent of cover, benefits and costs can help you determine whether your current medical care plan is sufficient for the new year. If you are satisfied with your protection, simply leave the cover unchanged and it will continue into the new year. Where dissatisfaction with a policy is apparent, be sure to amend your cover during the 2018 Medicare Enrollment period. Enrollment Restrictions You cannot register for a Part B Medicare plan if you are applying for cover for the first time during enrollment. If you are interested in changing your coverage from a Medicare Advantage to a Medigap plan, it cannot be initiated without completing a medical questionnaire. Important Medicare 2018 Enrollment Considerations Learn whether your current prescriptions will continue to be covered in the new year. Part D Medicare patients may be protected for specific prescriptions in 2018 only to have to pay a deductible or co-payment for a certain category of medication owing to changes in suppliers. Your Open Enrollment allows you to update your prescription policy ensuring your medication is comprehensively covered in 2018. During an Open Enrollment, carefully assess your plans to prevent excessive costs for your healthcare in the new term. Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn Watch My Most Recent Video Here: https://goo.gl/jzN8Rn ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Views: 26637 Keith Armbrecht
Medicare Part D. Complete Medicare Resource Center here: http://www.medsupsavings.com/ 877-88KEITH (53484) Best Medicare Supplement Plan: https://www.youtube.com/watch?v=WGqCGQNF5mw Medicare Plan F – Just Say NO: https://www.youtube.com/watch?v=0OE29IMXbNU Important Points to Know about Obtaining Medicare Drug Coverage When enrolling for Medicare you can get coverage for prescription drugs. Medicare drug coverage is available through private insurance companies approved by Medicare. There are different ways to obtain the coverage with associated costs that vary depending on other coverage used with this plan. It is important to know how this works with other insurance you have in order to get the best coverage. Here is what you need to know about this option. How Do You Get Coverage You have two options to get drug coverage including through Medicare Part C Advantage Plan or through Part D Prescription Drug Plan. The most common way is through Part D. This plan can be used with original Medicare and other plan option such as a Medical Savings Account (MSA) or Medicare Cost Plans. Part C or Medicare Advantage Plan includes using a PPO or HMO along with benefits similar to Part A and B. You may be required to sign up for Part A and B in order to obtain Part D with Part C. Medicare drug coverage options may vary and could change depending on what Part C covers. Associated Costs and Getting Help Your income will determine how much you pay toward prescription drugs. If you receive Social Security you can have costs deducted from your Social Security payment. You may be required to satisfy an annual deductible before the drug coverage starts to pay. You may be required to pay a copay or coinsurance after paying a deductible (if your plan has this requirement). There are drug plans with different tiers that show how much you could pay depending on related costs. Generic drugs may have cheaper copay than name brand. The copay can be anywhere from a few dollars to $10 or so. The coinsurance is roughly a percentage of what the beneficiary pays before Medicare insurance covers costs. An example may be 20 or 25 percent. When you pay for drugs you are paying for a month supply unless stated otherwise. There is potential for out-of-pocket costs to be paid by the beneficiary if the insurance does not cover the cost, but in few cases this is rare. Additional Tips on Drug Coverage You can get help paying for Medicare drug coverage if you qualify. You may need to provide proof of documentation to show your eligibility for assistance. Such options may allow you to pay just a few dollars for medicine. You can obtain help when you are receiving medication and before your supply runs out for the month. The amount you pay for your plan varies based on drugs used, plan option, where you go to obtain prescriptions, if the drug is on the formulary approved by Medicare, and whether you qualify for assistance in paying for drug costs. You may qualify for assistance by your state if you receive Medicare Part A and/or Part B coverage. Enroll for coverage during the initial period to avoid paying penalites. ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth
Views: 5299 Keith Armbrecht
Medicare Part D Annual Enrollment Period is the time when you can join, drop or switch Medicare Part D Plans. This video highlights changes to the Medicare Part D Annual Election period that took place in 2011. The information is still relevant today. Visit: http://affordablemedicareplan.com to read hundreds of articles on Medicare Part D, Medicare Advantage and Medicare supplement insurance. The Annual Enrollment Period for Medicare Part D Plans begins on October 15th and ends December 7th. Part D plan information for the following year's plans will be available on October 1st. During the Medicare Part D Annual Enrollment Period (also called the Part D Annual Election Period) you can drop, switch or join a Medicare Part D Plan. If you would like to learn about Medicare Advantage and Medicare supplements get my 8 Part Video Mini-Course. The course is designed to help you choose the best Medicare plan for your circumstances. http://free-mini-course.com
Views: 7689 David Forbes
Call us at 888-411-1329 https://www.remedigap.com/ecourse https://www.remedigap.com/medicare-supplement-videos/ https://www.facebook.com/Remedigap/ Medicare: 1-800-633-4227 https://www.medicare.gov/ I often get calls from beneficiaries wondering if they have to buy a Part D (drug) plan...especially, if they don’t take any medications. While it’s not required by Medicare, there can be consequences for not buying a Part D drug plan when you’re first eligible for Medicare. Join me in this video to see what options are available if you don’t need (or want) a Medicare drug plan. Option # -- if you don’t take any prescription drugs is to not buy a Part D plan right now, but wait until you actually need one. Now, that seems like a common sense approach..and perfectly logical, however, there are some things to keep in mind if you choose this option. At some point, you will probably need a part d plan, and when this happens,you can’t just buy it and have it start right away. Because, Once you’re out of your enrollment period, you have to wait until the Annual Election Period (10/15-12/7) to enroll and then wait until January 1 for the plan to start. You may also be hit with a Medicare Part d late enrollment penalty. Now, this isn’t a one time fee. It’s a monthly add on penalty...so, just like it sounds, it’s added to your Part D premium every month for as long as you have a Part D plan. Now, there are some individuals that are not subject to the late enrollment penalty. And, that includes anyone who is eligible for Extra Help also know as Low-Income Subsidy and anyone who had “creditable coverage”. This is drug coverage through your job, spouse’s job, retiree coverage or VA...and, what’s important is that your current coverage is as good or better than Medicare’s...this is the only way it’s considered Creditable Coverage. Now, keep in mind that you can’t just tell Medicare you had creditable coverage….you actually have to have proof...and it must be submitted to the Part D company within 30 days of their request. Let's say you don’t fall into these two categories and you decided not to get a Part D plan when you were first eligible, so you know a penalty is coming your way. And for example sake, Let’s also say that you went 40 months without coverage and now you’re signing up for a Part D plan. Your penalty is calculated by multiplying 1% of the “national base beneficiary premium” which just means it takes all the Part D premiums and comes up with the average...(so, in 2017 the average Part D premium is $35.63). So, 1% of 35.63 is .36 multiplied by the 40 months you went without coverage. Your Part D penalty is $14.40. Remember, this is a monthly add on penalty to your Part D premium and it will stay with you for as long as you have a Part D plan. And, it’s important to note that Medicare recalculates this penalty every year with the new base beneficiary premium. And as it increases, so will your Part D penalty. The second option is to buy a Part D plan when you're first eligible. Since you don't take any medications, it’s not necessary to pay a high premium for a plan. The point is just to have a plan in place to avoid a penalty when you do decide to buy a plan. Now, with that said, Part D plans are not a one size fits all. Some Part D plans cover certain drugs better than others. So, if your doctor has mentioned the possibility of you taking a particular medication in the near future, you might want to take that into consideration when choosing a plan. But, for most people a low premium plan is the best option. And, in this video I'll provide the steps you need to find the lowest monthly premium Medicare Part D plan.
Views: 11520 REMEDIGAP
please subscribe to our channel for more videos! https://www.youtube.com/channel/UCUT2dLC-nsm36IzOkemXRbA When it comes to Medicare enrollment - there are certain times when you can sign up, and it’s very important to know it before you miss it or make mistakes. You should enroll on time. If you wait to sign up, you may have to pay penalties when you join. I will cover the penalties in another video. For now, let’s take a look at various enrollment periods Let’s start with Initial Enrollment Period – this is the first time you can sign up for Medicare. The Initial Enrollment Period (IEP) is the first time you can sign up for Medicare. • The 3 months before your 65th birthday, • The month of your birthday, and • The 3 months after your birthday. You may join Medicare Parts A, B, C and D during this time: It is important to remember that: - If you aren’t automatically enrolled, you can sign up for free Part A (if you’re eligible) any time during or after your Initial Enrollment Period starts. Your coverage start date will depend on when you sign up. If you have to buy Part A and/or Part B, you can only sign up during a valid enrollment period. - If you wait until the month you turn 65 (or the 3 months after you turn 65) to enroll, your Part B coverage will be delayed. This could cause a gap in your coverage. SPECIAL ENROLLMENT PERIOD Once your Initial Enrollment Period ends, you may have a chance to sign up for Medicare during a Special Enrollment Period (SEP). If you're covered under a group health plan based on current employment and you choose to keep current coverage past your 65th birthday, you have a SEP anytime as long as: • You or your spouse (or family member if you're disabled) is working. • You're covered by a group health plan through the employer or union based on that work. You also have an 8-month SEP to sign up for Parts A and B that starts at one of these times (whichever happens first): • The month after the employment ends • The month after group health plan insurance based on current employment ends You may join Medicare Parts A, B, C and D during this time: Again, keep in mind that you have 8 months to sign up for Parts A and B after group/employer health coverage has ended. For Parts C and D you only have 63 days to sign up after the group coverage has ended. Usually, you don't pay a late enrollment penalty if you sign up during a SEP If you miss your Initial Enrollment Period or your Special Enrollment Period, You have two additional periods to enroll. One of them is: - GENERAL ENROLLMENT PERIOD You can sign up for Part A and/or Part B during the General Enrollment Period between January 1–March 31 each year if both of these apply: • You didn't sign up when you were first eligible. • You aren’t eligible for a Special Enrollment Period During this time, you can only enroll in Part A and/or B It is important to remember that if you need to enroll in Part A, you must also enroll in Part B at this time. You must pay premiums for Part A and/or Part B. Your coverage will start July 1. You may have to pay a higher premium for late enrollment in Part Aand/or a higher premium for late enrollment in Part B. OPEN ENROLLMENT PERIOD – runs every year from October 15 through December 7 During this time you can sign up for health plans (Part C or D), or make changes to coverage you already have. You don’t need to sign up for Medicare health plans each year. However, each year you’ll have a chance to review your coverage and change plans. • You may join Medicare Parts C and D during this time: During this time: • Anyone with Medicare Parts A & B can switch to a Part C plan. • Anyone with Medicare Part C can switch back to Parts A & B. • Anyone who has or is signing up for Medicare Parts A or B can join, drop or switch a Part D prescription drug plan. • Anyone with Medicare Part C can switch to a new Part C plan. Medigap Open Enrollment – (also known as Medicare Supplement Insurance). It’s recommended that you buy a Medigap policy during your 6-month Medigap open enrollment period. This period automatically starts the month you’re 65 or older and enrolled in Medicare Part B. If you apply for Medigap coverage after your open enrollment period, there’s no guarantee that an insurance company will sell you a Medigap policy if you don’t meet the medical underwriting requirements, unless you’re eligible due to a special situation. If you have questions, please feel free to comment under the video! We love helping people! You can also reach us directly! http://www.DianaKnowsMedicare.com
Views: 6259 Let's Talk Money Channel
This is a brief tutorial on completing your drug plan enrollment on Medicare.gov. I go through it very slow and cover multiple scenarios of enrollments.Also, as I note in the video, I will do this for you if you call 1-800-462-3980 or go to my website https://bobbybrockinsurance.com https://bobbybrockinsurance.com
Views: 45 Justin Brock
http://www.FirstMedicareAdvisors.com - - Recorded Hotline: 1-800-958-8171 - Office: 1-800-825-2919. - - Email: firstname.lastname@example.org - - PS: No Sales Pitches Ever! We hate'em as much as you do! The purpose of this video is to help you enroll online in your Part D prescription drug plan. Many folks have asked me how to enroll online. Honestly, it is so easy that it can be confusing. In the video, we walk you through the process of enrolling online in a step by step system. There are only four steps that you need to go through. So, let’s get started and get you enrolled in your drug plan. Remember if you mess up, you can always start over. It is easy, I promise. I hope the video was helpful. Now, remember after you complete your information online you need to copy down your drug ID number. Once you have that then you need to call Medicare at 1-800-633-4227 and talk to one of their drug specialists. They will help you get into your plan. Here is a secret to calling the Medicare drug people. Ready – call late! They are there 24/7. If you call during normal business hours, they’re busy. You may or may not get through. But if you call late at night, late in the week, and late in the month, you will normally get through. In fact, they’ll probably be waiting for your call. Depending on where you live you’ll probably have dozens of drug plans to choose from. You’ll have all kinds of premiums, deductibles, co-pays depending on your drugs. Here is a second suggestion: look for low annual out of pocket costs and high star rating on your plan. Do Not concentrate on the premium you pay. Find a good plan, but remember, the less you pay in premium the more out-of-pocket costs you will have. One final thought or suggestion, it pays to review your Part D drug plan every year during the Annual Enrollment Period, October 15th to December 7th. You will be changing drugs and your rates will probably go up. If you have a question or need help shopping for your Medicare Drug Plan give us a call at either our Recorded Hotline at 1-800-958-8171 and record your question or request. The second and quickest way is to call my office direct at 1-800-825-2919.
Views: 47 Dale Stringer
My Website: http://www.medicarescreenshare.com Contact Me: MedicareScreenShare@gmail.com Medicare Update: Medicare Part B and D Penalties Lets look at how much you will have to pay on top of your monthly premiums if you delay enrolling into Medicare Part B hospital insurance and Medicare Part D drug coverage. Stay Tuned. Intro: Hello again friend and welcome to another medicare update. Now are you thinking about not signing up for either Part B or Part D of medicare later than your initial enrollment period when you turn 65? Well there are some penalties to consider and also some exceptions to the rules that you should know. Medicare Part B Penalty: If you sign up late for Medicare Part B, you will have to pay a late penalty premium every month for the rest of your life, along with your Part B premium. Your monthly Part B premium will go up 10% for each full 12-month period that you could have had Medicare Part B but did not take it. You will continue to pay this higher premium as long as you have Medicare Part B. Example: So if you delayed one year and then you would have to pay an additional 10% of the current medicare part B premium. Because the premium is $134 in 2017 you would expect to pay an addition $13.40 if you decide to enroll 1 year past your initial enrollment period. And when your Part B premium increases in the future, which it will, you would need to pay 10% of the new premium as long as you have medicare Part B. Exceptions: You may not have to pay the penalty if you qualify for a SEP or Special Enrollment Period. You might qualify for an SEP if you had health insurance through your job or your spouse’s job when you were first sign up for Medicare Part B. Medicare Part D Penalty: There is a late penalty premium for not joining a Medicare Part D drug plan when you first become eligible for Medicare. The penalties usually begin 3 months after your Part A and Part B eligibility dates. The penalty premium is added onto the regular premium that you pay to your Medicare drug plan. The fee is calculated by taking 1% of the average monthly prescription drug premium. This average month prescription drug premium is $35.65 in 2017. This penalty is rounded to the nearest 10 cents, and much like the Part B premium this penalty is permanent. So you would have to pay it for as long as you have Medicare Prescription Drug Coverage. Example: So if you delay one year then you would have to pay an additional 1% of $35.65 and have to multiply that same 1% of $35.65 by 12 months. This means you would pay an additional $4.30 on top of you Part D premium. This penalty much like the Part B penalty will also increase. But instead of increasing with the Part B premium it will increase with the average monthly prescription drug premium. Exceptions: You do not have to pay the penalty if you are eligible for the Extra Help with costs, if you have coverage through your or your spouse’s job, if you have retiree coverage, or if you have coverage through the Veterans Administration. Thanks for taking the time to watch this quick video and I hope you found the information useful, and make sure to check out another one of my videos I made about why enrolling sooner for you medicare supplement can be beneficial to you as soon as this video ends. As as always feel free to like, comment, and subscribe to my cannel for more great weekly update just like this one and so we can help more people. Andrew Walsh MedicareScreenShare Owner and Independent Agent (920) 960-4312 MedicareScreenShare@gmail.com MedicareScreenShare.com Medicare Update: Medicare Part B and D Penalties
Views: 831 Andrew Walsh
Senior Marketing Specialists University (www.sms-university.com) - If you are helping clients enroll themselves into a Medicare Part D Prescription Drug Plan, then you need to make sure your client understands your roll. For more information, give us a call at (800) 689-2800
Views: 492 Senior Marketing Specialists
Your Medicare Open Enrollment Period occurs form October 15 to December 7 every year. During your Annual Enrollment Period, you can: • Enroll, drop, or change your Medicare Advantage Plan • Enroll, drop, or change your Medicare Part D Prescription Plan • Do nothing (Please note that this enrollment period does not not apply to Medicare supplement insurance (AKA Medigap plans). You can switch Medigap plans any time of the year.) For help from an experienced and licensed agent, please call us at (866) 894-3258. We'd love to help you understand all of your Medicare options.
Views: 815 GoMedigap
It is time for Medicare Annual Enrollment for 2018 Plans. Many people go with a Medicare Advantage Plan. Before you choose what Medicare Advantage is right for you, watch this video to give you important Medicare Advantage Facts.Please visit our site at http://nationalseniorsavings.com or call 800-708-5810 for additional information. Ask for Mark Garrett your Medicare Specialist.
Views: 3243 Mark Garrett
CLICK HERE http://seniormarketsolutions.com - 1-800-784-8969 The Part D Late Enrollment Penalty has HUGE implications. What is the Part D penalty for not signing up for a Medicare drug plan? "Do I have to sign up for a Medicare prescription drug plan?" Those questions and more answered in this video. GET OUR FREE 2018 MEDIGAP AND YOU GUIDE JUST TAKE OUR QUIZ: Which Medigap Plan Is Best For You? CLICK HERE------https://www.qzzr.com/c/quiz/455510/wh... Let us help you with your Medicare Insurance Options, our services are 100% FREE to you. Keep Up With Medicare and Medigap Plans 24/7, Connect WIth Us Today! Medicare & Medigap Hotline: 1-800-784-8969
Views: 868 Best Medicare Solutions for Seniors
Overview of Part D enrollment for 2013 plans. Learn why keeping your current plan may not be in your best interests for 2013. Get our Free Mini-Course: Medicare Advantage or Medicare Supplemental? Click Here: http://affordablemedicareplan.com/free-mini-course/
Views: 1562 David Forbes
Call (888) 310-0376 to Compare All Medicare Advantage Plans in Your State. Get Instant Access http://free-mini-course.com I explain 5 things you should know about Medicare Advantage before you enroll. It doesn't make sense to even compare Medicare Advantage plans until you know how it works, who is eligible and when you can enroll in a plan. As a senior health insurance option, Advantage plans seem to be shrouded in confusion. One reason is because unlike Medicare supplemental insurance, plans are not standardized which makes shopping for a plan more difficult. If you would like to get the facts about Medicare Advantage vs Medicare supplement insurance, check out my Free 8 Part Video Mini-Course on Medicare Plans. Get Instant Access Absolutely Free! http://free-mini-course.com The first thing you need to know is that an Advantage plan is not a Medicare supplement. So what is Medicare Advantage? The Medicare and You Handbook states that it is a Medicare health plan like a PPO or HMO and is sometimes referred to as Part C. Plans are offered by Private insurance companies and you are still enrolled in Medicare. You will receive all Part A and Part B benefits from the Medicare Advantage Plan and drug coverage is often included. The second thing you should know is how plans work. And that begins with knowing whether or not you are eligible to enroll in a plan. To be eligible, you must: Have Medicare Parts A and B Live in the plan's service area Not have end-stage renal disease All Advantage plans have premiums if it is $0 per month. Plans shouldn't be referred to as a free Medicare Advantage plan. Premiums are normally lower than premiums for Medicare supplements. There are 6 types of Advantage plans and you will normally be subject to a provider network. It is paramount to be certain your providers are included. Check for your preferred specialists, ancillary facilities and hospitals in addition to your primary provider. If you are enrolling in a plan with drug coverage, be sure all your drugs are included in the plan's formulary. Many people search for Medicare health plans that include extra benefits and are often disappointed when they find Medicare supplements to be lacking. Medicare Advantage plans often include extra benefits not found in original Medicare. They may include: Dental Vision Hearing Silver Sneakers Gym membership Transportation to and from medical appointments Third. You need to be aware of when you can pursue Medicare Advantage enrollment. There are 3 types of enrollment periods. When you first become eligible you have a 7 month window to submit an application. Next, during the Medicare Advantage Annual Election period you can switch, drop or enroll in a plan. And you may have a Special Enrollment Period available if your circumstances have changed. The fourth thing you need to understand is Medicare Advantage plans are not standardized. Plans are offered County by County and premiums, provider networks, benefits and cost sharing amounts vary widely between plans. When you compare Advantage plans there are 3 plan documents that are very important to research and understand. The Summary of Benefits goes into much greater detail than the enrollment brochure. It lists all plan benefits and what each will require in deductibles, copayments, or coinsurance. The Provider Directory should be you companion until you locate all your providers or find some you are willing to live with. The Part D drug formulary should include all your required medications. Enrolling in a Medicare Advantage plan that does not include all your drugs can wipe out any savings you may have had over choosing another type of Medicare health plan. The fifth thing you need to be aware of is how any cuts to Medicare Advantage will affect you. Understand that a lot of what you hear is politically motivated talking points designed to instigate fear. Although given the current political climate future funding for the Medicare Advantage program is tentative at best. If you feel as though enrolling in an Advantage plan is your best option, you should do it. If there are Medicare Advantage cuts in the future and you lose your plan you may qualify for Guaranteed Issue Rights to buy a supplement, even if you have preexisting conditions. Also, keep in mind that everyone wants to enroll in the best Medicare Advantage plan. And that will be the one that aligns with your specific set of circumstances.
Views: 61994 David Forbes
You can sign up for Medicare three months before your 65th birthday, your birth month and three months after you turn 65 – for a total of 7 months to enroll. Walgreens has teamed up with eHealth, certified Medicare Prescription Plan advisors to help you. For more information, visit: https://www.walgreens.com/topic/pharmacy/medicarepartd-info.jsp
Views: 2832 Walgreens
For more info on this and other stories, visit www.newsinfusion.com The annual election period for Medicare Part D is here, yet many eligible Americans still lack basic knowledge about the Medicare Part D prescription drug benefit and available coverage plans. In fact, according to a four-part study conducted by the Kaiser Family Foundation, numerous eligible Americans are confused over plan features and differences, fearful of the consequences of changing plans and unable to define key terms such as co-payment, premium and coverage gap. To help educate and address these challenges, November has been declared Senior Drug Coverage Awareness Month. Anyone 65 years of age or older, or anyone caring for someone in this age group, is encouraged to schedule an appointment with his or her local community pharmacist during the month of November. The pharmacist can answer questions and provide valuable education on the Medicare Part D prescription drug benefit, and help explore available plan options, ultimately preparing beneficiaries to make informed choices during the 2009 Medicare Part D annual election period-November 15, 2008 to December 31st, 2008. “Choosing the appropriate plan can depend on a variety of factors, including the overall health of the individual, the prescription drugs they have been prescribed and of course, cost” says Sam Rajan, R.Ph., a registered pharmacist and vice president of Clinical Operations with Universal American, the company that offers the Community CCRxSM Medicare Part D plan. “It’s important for seniors to know what is available to them, and a community pharmacist is a knowledgeable, unbiased source to provide that information.” Annual election for stand-alone Medicare prescription drug coverage begins November 15, 2008, and ends December 31, 2008. Eligible beneficiaries must select and enroll in a plan by the December 31 deadline to receive coverage in 2009 and avoid paying late enrollment penalties. One important note: those already ...
Views: 1009 NewsInfusion NBN
Please take the quiz: https://docs.google.com/forms/d/1ETMP3trGWiK9yT7nBFfw_Y8tkjgQ-0fI2EMyGJdaDZg/viewform
Views: Angela Zeek
8 Steps to Picking the Right Medicare Plans During Open Enrollment | Medicare Open Enrollment 2018 Most people fill Medicare’s coverage gaps by buying a Medicare supplement (medigap) plan and a Part D prescription-drug plan, or they get both medical and drug coverage from a private insurer with a Medicare Advantage plan. You have from October 15 to December 7 each year to pick a Medicare Part D prescription-drug plan or a Medicare Advantage plan for the year ahead. You can switch from one Part D plan to another, or from one Medicare Advantage plan to another. You can also switch into a Medicare Advantage plan. However, if you have Medicare Advantage and want to switch to a medigap plan plus a Part D plan, you may have limited medigap options depending on your health—although you can choose any Part D plan during open enrollment. The plan that was best for you over the past year may not be the best one next year. That may be because the drugs you take or the doctors you see have changed. Or it may be because the coverage has changed under your plan for next year—your drugs may be moving to a more expensive pricing tier with higher co-payments, or your doctors may be leaving your Medicare Advantage plan’s network. Or new plans may be introduced in your area that are a better match for you. Aetna, for example, is introducing a new, low-premium Part D plan in 20 states, and United Healthcare is expanding its Medicare Advantage plans into 100 new counties in 2018. Because you can change plans every year, you can focus specifically on your drugs and dosages or the type of health care you need now; you can switch again next year if your needs or your options change. Let’s get started. Please leave your comments or feel free to discuss in the comments section. Your feedback will be appreciated. Thanks for watching!! Like ! Share ! Comment ! Subscribe ! Youtube Channel: https://www.youtube.com/checkfacts360 Facebook: https://www.facebook.com/checkfacts360 Twitter: https://twitter.com/checkfacts360 Tumblr: https://checkfacts360.tumblr.com/
Views: 99 Check Facts 360
Medicare Advantage Enrollment Periods are times when you can join, drop or switch Medicare Advantage Plans. This video highlights changes to the Medicare Advantage Annual Election period that took place in 2011. The information is still relevant today. Visit: http://affordablemedicareplan.com to read hundreds of informative articles on Medicare Advantage, Medicare supplements and Part D insurance. When Medicare Advantage Plans were introduced in 2006, the annual open enrollment period began on November 6th and ended December 31st. There was also an additional enrollment period that began January 1st and ran though March 31st. this was an enrollment period where Medicare beneficiaries to could make "like changes" where Part D status was the determine factor as to whether you could effect certain changes to you Medicare Advantage Plan. Noe the Annual Election Period for Medicare Advantage and Part D plans begins on October 15th and ends December 7th. During this time you can join, drop or switch plans. There is also an annual dis-enrollment period that begins on January 1st and ends February 14th. During this time you are allowed to cancel your Medicare Advantage Plan and return to original Medicare. You cannot join another Medicare Advantage Plan at this time. Once you return to original Medicare you are allowed to enroll in a Part D plan and purchase a Medicare supplement if you qualify. If you would like to learn more about Medicare Advantage and Medicare supplements get my 8 Part Video Mini-Course. The course is designed to help you choose the best Medicare plan for your circumstances. http://free-mini-course.com
Views: 3083 David Forbes
A Complete Medicare Resource Center https://www.MedicareonVideo.com Phone: 1-877-88KEITH (53484) Medicare Choices Made Easy Medicare Open Enrollment 2019 is now! Learn why you should get your free quote and learn how you can do it. Get started with your Annual Enrollment with Keith Armbrecht who shows you everything. Important information about the 2019 Medicare Open Enrollment period also called the Annual Election Period (AEP): This is the time of year to review your Medicare choices.. Last day for Open Enrollment is December 15, 2018. People want to know how the Bipartisan Budget Act of 2018 will impact Medicare Part D in 2019 and beyond. Important Medicare 2019 enrollment considerations .The best Medicare Supplemental Insurance Plan and You: You should get insurance quotes from different companies. Know when to Sign Up for Medicare Insurance Services. Watch our other videos and learn when to apply for Medicare for the first time. Now you know how to change Medicare insurance plans. Medicare On Video allows you to compare competitive quotes from multiple resources so you can choose the best Medicare supplemental insurance plan for you. See 2019 Open Enrollment overview for Medicare members’ video. Want to know what is the best Medicare Supplemental Insurance plan? This video outlines what you can do and the changes you can make during the 2019 Medicare Annual enrollment period regardless of the type of Medicare coverage you have. When it comes to Medicare enrollment there are certain times when you can sign up and it’s very important to know it before you miss it or make mistakes. No matter your situation, knowing when to sign up for Medicare is important, as failing to sign up on time could leave you with late enrollment penalties. Watch important information about the Medicare Open Enrollment period. Medicare open enrollment 2019 - Annual Enrollment period is where you can sign up or change your plans. Pre existing condition Medicare supplement insurance is available. • Medicare drug plans comparison • Enrollment period for Medicare • Threshold for additional Medicare tax Do you have additional questions about the differences between Medicare Supplement Plans and what they cover? We can help you through this. An overview of the different Medicare Supplement plans and what they cover could be of help to you. Medicare On Video makes it easy for you to find out when to apply for Medicare and if you're eligible to apply for Medicare insurance plans. Be sure to amend your cover during the 2018 Medicare enrollment period. During the open enrollment period for Medicare all registered members are provided the chance to change their healthcare plan. Supplemental health insurance can be a smart choice for many people. In this video, we go over how to sign up for Medicare and when to sign up for Medicare. #medicareopenenrollment2019 #2019medicareopenenrollment #signupformedicare Watch My Most Recent Video Here: https://goo.gl/jzN8Rn Subscribe Here for More Medicare Tips: https://goo.gl/jzN8Rn QUICK AND EASY MEDICARE SUPPLEMENT QUOTES https://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Su... Twitter: https://twitter.com/medsupsavings.com LinkedIn: https://www.linkedin.com/pub/keith-ar... YouTube Channel: https://www.youtube.com/c/KeithArmbrecht © Best Medicare Supplement Plans 2019 By Medicare On Video - All Right Reserved
Views: 564 Keith Armbrecht
Enroll in a Medicare Advantage or Part D plan anytime with the 5 Star Medicare Plans Special Enrollment Period. Learn how to find 5 Star Medicare Advantage and Part D plans in your area. Get our Free Mini-Course: Medicare Advantage or Medicare Supplemental? Click Here: http://affordablemedicareplan.com/free-mini-course/
Views: 518 David Forbes
More than 31 million seniors and persons with disabilities participate in the Medicare Prescription Drug Program (Part D). Learn more about why the program works and how to sign up or change an existing Part D plan during the 2013 Open Enrollment period (Oct. 12 - Dec. 7).
Views: 5305 WhyPartDWorks
Watch Medicare Mini-Course Part Five: http://medicare-mini-course.com/page/6/ Medicare Mini-Course Part Four addresses Medicare Advantage Enrollment Periods. The Medicare Advantage program has strict enrollment periods that govern when you can join, drop or switch Medicare Advantage Plans. Most people are familiar with the Medicare Advantage Annual Enrollment Period which begins October 15th and ends December 7th of each year. But there are several other times you can enroll in a Medicare Advantage Plan. Aside from when you are first eligible to join Medicare, there are several Medicare Advantage Special Enrollment Periods including a Five Star Special Enrollment Period. To compare all plans in your area visit: http://affordablemedicareplan.com/get-a-quote
Views: 2116 David Forbes
How to enroll into a Medicare Part D (Prescription Drug Plan) using the AON Client Portal and AON Drug Plan Finder tool. This video is specific for SDA (Seventh Day Adventist) retirees, but should apply to anyone that has to go through AON for the Prescription Drug Plan needs.
Views: 34 MedigapTN
Rider Drug (Kirksville, MO) ad for November 2008. "Are my presecription premiums going up?" "Can I change my plan?" "Will my prescriptions still be covered?" Open enrollment for Medicare D prescription plans starts November 15th. Set up a time with your pharmacist to discuss which plans will be the best fit. They can go online to the Medicare website to get copay, premium and drug coverage information. If you're in charge of your family's health, count on Rider Drug.
Views: 126 riderdrugkirksville
Find your Medicare Part D Prescription Drug Coverage for the 2019 year by one of two ways: Call Medicare directly at 1-800-MEDICARE or follow my click by click tutorial of how to find you Part D drug plan on Medicare.gov. Any questions please reach out: 512-677-7374
Views: 203 Gentry Ferguson
www.LiveAtHomeSeniors.com In this video, join Nancy O'Toole, founder of Live at Home Seniors, and Kathy Geyer, an independent Medicare insurance consultant, explain details regarding Medicare's Part D (Prescription Drug benefit) plan for senior citizens. Medicare 2013 Open Enrollment runs from October 15 - December 2012. Be sure to understand all the details before picking your plans!
Views: 296 liveathomeseniors
Humana Gold Choice Medicare Advantage Plan... what it is, how it works and what makes it different from other Humana Medicare Advantage Plans. Get my 8 Part Video Mini-Course and unlock the information to choose the best Medicare Plan for your circumstances. Instant Access -- http://free-mini-course.com Humana Gold choice is one of several Medicare advantage Plans offered by Humana. The also offer: Humana Gold Plus Humana Choice Humana Reader's Digest Healthy Living Plan But Humana Gold Choice is different. Unlike the other Humana Medicare Plans, Gold Choice is a Private Fee-for-Service plan. A PFFS plan allows you to choose any provider that will accept the plan's terms and conditions. You are not required to use a provider network. Although the Humana provider network for Medicare Advantage Plans is fairly comprehensive, you may want the freedom to choose your own provider. With Humana Gold Choice, you are able to do just that. But freedom comes with a price. Providers can accept a PFFS plan on a visit by visit basis, which could leave you searching for a new provider. The Gold Choice plan also has the highest premium of all Humana Medicare Advantage Plans. If you want the freedom to choose, but are uncertain about the costs, you may want to consider a Humana Medicare supplement as an alternative to Humana Gold Choice.
Views: 3938 David Forbes
Call (888) 310-0376 to Compare Top Rated Medicare Advantage plans. Compare Medicare Advantage Plans by following these helpful tips to enroll in your best Medicare Advantage Plan option. Visit http://affordablemedicareplan.com to get access to hundreds of articles on Medicare Advantage, Medicare supplements and Part D insurance. The first tip to help you get the best plan is to compare Medicare Advantage Plans every year during the Annual Election period. Medicare Advantage Plan benefits, out-of-pocket costs and provider directories can undergo changes every year. Your current plan may suit your needs in every respect but may not for the following calendar year. and even if it seem like it will be suitable, there may be changes to another plan that by by-passed the previous year, that will make it your best plan option. When you compare Medicare Advantage Plans you should carefully review 3 plan documents for any Advantage Plan that you are considering. 1. The Summary of Benefits - All plan benefits and their respective costs will be outlined in detail. Do not enroll in a Medicare Advantage Plan only after reviewing the outline of benefits which is really just a top level view hitting the highlights. When you review the plan's Summary of Benefits, become familiar with what is covered, how much it will cost and what your annual maximum out-of-pocket amount is. Review the extra benefits like dental and vision so you're not disappointed when you plan on using them. Many dental and vision benefits are merely discounts and not insurance. Be particularly mindful of dental networks, as Medicare advantage Plans are notorious for skimpy dental networks. 2. The Medicare Advantage Plan Provider Directory - Too many people jump into a plan because their primary care provider is in network, only to be disappointed later when the lab or hospital that they prefer is not included. Be sure that your specialists, preferred hospital and ancillary facilities are in network as well. 3. The Part D Formulary - The formulary will list every drug covered by a specific plan. It will also indicate which tiers those drugs are placed in. Your goal is to find a plan that included all your drugs. To learn more about Medicare Advantage and Medicare supplement plans Get my Free 8 Part Video Mini-Course. Visit http://free-mini-course.com Lessons include: 1. What you need to know about Medicare Advantage before you enroll 2. The differences between the 6 types of Medicare Advantage plans and why it matters 3. Medicare Advantage Special Enrollment Periods you may have never heard of 4. The best time to buy a Medicare Supplement 5. How to buy a Medicare Supplement Guaranteed... regardless of your current health 6. The difference between the 10 standardized Medicare Supplements 7. What you should consider when choosing between Medigap & Advantage 8. Little known criteria you should consider when choosing a plan Get Instant Access Now... http://free-mini-course.com
Views: 13212 David Forbes
Medicare Open Enrollment. Complete Medicare Resource Center here: http://www.medsupsavings.com/ 877-88KEITH (53484) Best Medicare Supplement Plan: https://www.youtube.com/watch?v=WGqCGQNF5mw Medicare Plan N - https://www.youtube.com/watch?v=vORbZsWDrzg ================================================== QUICK AND EASY MEDICARE SUPPLEMENT QUOTES http://www.medsupsavings.com/ Facebook: https://www.facebook.com/pages/Med-Sup-Savings/1709195569306815 Twitter: https://twitter.com/MedSupSavings LinkedIn: https://www.linkedin.com/pub/keith-armbrecht/5/11b/3a0 YouTube Channel: https://www.youtube.com/user/BigHealthGreatWealth Medicare Open Enrollment is the time of year that you are able to make changes to your Medicare Advantage Plan also known as part C or your Medicare Drug Plan also known as Part D. Open enrollment starts October 15th each year and ends December 7th. During this time period you can make changes in your coverage that will go into effect on January 1st. You do not have to go through medical underwriting if you make changes during this time period. Most changes are made with Medicare Advantage plans. You can change from one Medicare Advantage plan to another without having to go through medical underwriting. You can also go back to Original Medicare – Part A and Part B without medical underwriting. HOWEVER if you want to have a Medicare Supplement plan you would have to go through medical underwriting. This is a very important consideration. You would need to be reasonably healthy in order to qualify for a Medicare Supplement plan. Make sure that you discuss this option with a qualified agent well before December 7th so you will know if you qualify. You can also change your Medicare Drug Plan during this time. If the plan you are currently on does not cover your prescriptions then you may be able to find a plan that does. If you are coming off a Medicare Advantage plan and returning to Original Medicare then you will also be able to select a drug plan without medical underwriting.
Views: 587 Keith Armbrecht
Once a year, people on Medicare have the opportunity to sign up for benefits during Open Enrollment. However, there are some circumstances that will let you make changes during other times of the year. What are those situations? Tom Qualley from Sovereign Select with Insurance 101 to discuss special enrollment periods. Sovereign Select hosts Medicare 101 Educational Events every Friday at 10am at their Brookfield office (2505 N 124th Street, Suite 115). These events are educational only; no specific plan information will be provided. To register and for more information, visit SovereignSelectINS.com. Sovereign Select LLC is an independent insurance agency offering a wide array of insurance products from many different companies. With over 30 insurance companies products to choose from they offer health, life, long term care, dental, and specialize specifically in Medicare Supplements, Medicare Advantage plans, and Part D Prescription drug plans. They are able to custom fit individuals with an insurance program that best meets their specific needs. Call 262-641-4111 or email email@example.com for more information.
Views: 375 TODAY’S TMJ4
When to sign up for Medicare ** Questions** call or email (888-411-1329) firstname.lastname@example.org https://www.remedigap.com/ -- Request a free quote. https://www.remedigap.com/ecourse/ -- FREE Medicare eCourse. https://www.ssa.gov/medicare/ - Social Security #1 When to Sign up for Medicare - Initial Enrollment Period 1:09 It’s the most common enrollment period because everyone turning 65 is eligible to sign up for Medicare during this period of time. This is when you have to decide if you need /want Part A only or both Part A and Part B. Keep in mind, Part A is usually “premium free” if you worked and paid Medicare taxes (10 Years). So, most people will sign up for Part A during the IEP. However, Part B isn’t premium free, so there are some factors to consider when making your decision about Medicare enrollment in Part B. 1) Are you still covered under an employer sponsored group health insurance plan? 2) Are you covered under employer sponsored group health insurance, with an employer that has fewer than 20 employees? If so, Medicare generally pays first. And, your small employer would be the secondary payer. 3) Are you leaving your employer sponsored group health insurance and joining the employer’s retiree plan? 4) Are you ending your current health coverage when you turn 65…(either employer, Cobra, Affordable Care, etc.)? The decision to enroll in Medicare Part B is important, because when you apply for Part B, you activate your one time Medigap Open Enrollment Period. Once you know which Parts of Medicare you want, then you can apply for Medicare during your Initial Enrollment Period. This period begins three months before your birthday month, includes your birthday month, and the 3 months after your birthday month. When you sign up during the first three months or your Initial Enrollment Period, in most cases, your coverage starts on the first day of your birthday month. However, if your birthday is on the first day of the month, then your Medicare coverage will start the first day of the prior month. If you choose to apply for Medicare during the month you turn 65, or during the last 3 months of your Initial Enrollment Period, the start date for your Medicare coverage will be delayed. # 2 When to sign up for Medicare - Special Enrollment Period 6:45 The Special Enrollment Period is available when you stop working or your employer-sponsored health insurance ends. The Special Enrollment Period begins the month after the employment ends or the coverage ends (whichever happens first) and lasts for 8 months. Keep in mind, COBRA and Retiree Health Plans are NOT considered coverage based on current employment. So, you’re not eligible for the Special Enrollment Period when that coverage ends. # 3 When to sign up for Medicare - General Enrollment Period 7:55 The General Enrollment Period is only available from January 1 - March 31 every year, and your Part B coverage doesn’t start until July 1 of that year. When to sign up for Medicare - Bonus Information Bonus # 1 - Automatic Medicare Enrollment Most people who receive Social Security benefits, before turning 65, are automatically enrolled in Medicare. In most cases, you'll automatically get Part A and Part B starting the first day of the month you turn 65 or the month prior if your birthday is the 1st day of the month. If you receive your Medicare card but don't need (or want) Part B because you’re still covered under a group employer health plan, then you can return the card to Medicare. Bonus # 2 Medigap Open Enrollment Period The Medigap Open Enrollment Period is a one time enrollment opportunity that allows you to buy a Medicare Supplement plan without medically qualifying. It lasts for 6 months from your Part B effective date. Once the Medigap Enrollment period ends, in most cases, you’ll have to medically qualify for a Medigap plan. If you have a retiree health plan along with Part A and Part B, then you probably activated the Medigap Open Enrollment period and it’s no longer available. So, if you lose the Retiree Health Plan, you will have to medically qualify for a Medicare Supplement plan or exercise your Guaranteed Issue Right if it’s available to you. Bonus # 3 Medicare Part D (drug) Plan Enrollment You can sign up for a Medicare Part D drug plan during the following periods of time: Initial Enrollment Period Special Enrollment Period Annual Election Period (Oct 15 - Dec 7) When to sign up for Medicare is just the first step. There is plenty more to learn about Medicare. That’s why I created a free Medicare eCourse where you can take the next steps to learning about how to sign up for Medicare, enrollment penalties, Medicare Supplement insurance vs. Medicare Advantage Plans, and more. It’s one email a day over the course of a week, so you can learn on your schedule. Sign up here → www.remedigap.com/ecourse
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