Liberty Medicare Blog

Liberty Medicare is linked to the Medicareful quote engine

Liberty Medicare is linked to the Medicareful quote engine

UPDATED Mar. 20, 2019.  Medicareful Online Enrollment Tool is the CMS-accepted quote engine for Medicare plans from Ritter Insurance Marketing. Medicare is a complex and confusing subject. The experience of selecting a Medicare plan on your own can be very frustrating, and the help of using Medicareful quote engine can be very instrumental. By entering the zip code, you can unlock all of the Medicare plans available in your area, such as Medicare Advantage Plans, Medicare Prescription Drug Plans, and Medicare Supplement Plans (future). Read more…

When and How to Enroll in Medicare Part B

When and How to Enroll in Medicare Part B

UPDATED on Oct. 27, 2023.  Medicare Part B is the Medical Insurance portion of Original Medicare, allowing you to use any doctor, specialist, or hospital that accepts Medicare. To enroll in Medicare Part B, you may use one of the several enrollment periods: Initial Enrollment Period, General Enrollment Period, Special Enrollment Period for people covered under current employment.

Medicare Part B is optional.  Read more…

Medicare Supplement Underwriting Questions

Medicare Supplement and Medical Underwriting

UPDATED Mar. 17, 2019.  The subject of this post is Medicare Supplement Underwriting Questions.

Typically, if you are applying for a Medicare Supplement policy, the insurance company is allowed to use medical underwriting to decide whether to accept you. Medical Underwriting is the process that an insurance company uses to decide, based on your medical history, whether or not to take your application for insurance, whether or not to add a waiting period for pre-existing conditions (if your state law allows it), and how much to charge you for that insurance.  In APPENDIX below, you may find the typical Medical Questionnaire used for Medical Underwriting.

But under certain circumstances, medical underwriting does NOT apply. The article below reviews how to get a Medicare Supplement without Underwriting Questions. Read more…

Liberty Medicare has been selected for the 2015 Best of Wynnewood Insurance Award

Liberty Medicare has been selected for the 2015 Best of Wynnewood Award in the Insurance category

 

Liberty Medicare has been selected for 2015 Best of Wynnewood Award in the Insurance category by the Wynnewood Award Program.

Each year, the Wynnewood Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Wynnewood area a great place to live, work and play.

Various sources of information were gathered and analyzed to choose the winners in each category. The 2015 Wynnewood Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Wynnewood Award Program and data provided by third parties.

The Wynnewood Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the Wynnewood area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

For more details, please read the PRESS RELEASE.

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For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.

When Medicare is primary insurance?

When Medicare is primary insurance?

If in addition to Medicare you have other health insurance plan (such as an employer group health plan), then it is essential to know when Medicare is primary insurance. If Medicare is primary, then it pays the bills first, up to the limit of its coverage. The secondary insurance pays only after Medicare paid its share.  Alternatively, if Medicare is secondary, then it pays after the primary insurance paid.  If you do not have primary insurance, the secondary insurance will cover very little of your health expenses or nothing at all. Read more…

Benefits of Using Independent Medicare Supplement Insurance Agents

Benefits of Using an Independent Medicare Supplement Insurance Agency

UPDATED on Dec. 16, 2018.   What are the advantages of using Independent Medicare Supplement Insurance Agents?

The prime purpose of Medicare Supplement (Medigap) is to fill the gaps in Parts A and B of Original Medicare, i.e., protect against Original Medicare out-of-pocket expenses such as deductibles, copayments/ coinsurances, and excess charges.  Medicare Supplement Plans (Medigap Plans) are plans sold by private insurance companies licensed in your state. Medicare Supplement benefits are paid for by Medicare Supplement insurance companies after Medicare has paid its share of the bill.

There are two ways to enroll in Medigap plan, either signing directly through the insurance company or use the service of Independent Medicare Supplement Insurance Agents representing this company (as well as many others).  No matter what path you will choose, the rates and benefits are the same.  Nevertheless, there are several advantages for you, the customer, to use the services of an independent insurance agent.  Read below. Read more…

What are options if your Medicare Advantage plan is ending – 2019?

UPDATED Jan. 30, 2019.  The recent Medicare Interactive post Options for those whose Medicare Advantage or Part D plan is ending at the close of the year reviews the decision making process in the event your Medicare Advantage plan is ending.  Here are the major points.

What are your options if your Medicare Advantage plan is ending

Options if Your Medicare Advantage plan is ending

  • By the early October 2019, you should receive a letter from your Medicare Advantage plan if your plan is ending at the end of the year and will not be available next year.  In any case, you retain your coverage until December 31, 2019.
  • You may use the Medicare Open Enrollment Period which occurs from October 15 through December 7.  During this time you may join a new Medicare Advantage plan (with or without a Prescription Drug Plan (PDP)) or switch to Original Medicare and join stand-alone PDP plan. Your coverage will begin January 1, 2020.
  • Alternatively, because your plan does not renew its services and ending, you are entitled to Special Enrollment Period (SEP) running from December 8, 2019 through February 28, 2020.
  • You may want to sign up for another Medicare Advantage plan or be automatically enrolled in Original Medicare.
    • If you want to join another Medicare Advantage plan
      • You can sign up for a new plan between December 8, 2019 and February 28, 2020. It is best to sign up for a new plan by December 31, 2019, so you can get coverage beginning January 1 of the next year. Otherwise, your coverage will start the first day of the month after you enroll.
      • Most Medicare Advantage plans include drug coverage.
    • If you want to enroll in Original Medicare
      • You will be automatically enrolled by December 31, 2019, if you don’t enroll in a Medicare Advantage plan as discussed above. Your Original Medicare coverage will begin on January 1, 2020.
      • By enrolling to Original Medicare, you may be eligible for a Medicare Supplement. Check your Medicare Supplement State Regulations.
  • Decide whether you need prescription drug coverage.  You may either sign up for a Medicare Advantage plan that offers drug coverage or you may sign up for a stand-alone prescription drug plan (Part D) that works with Original Medicare.
    • If you want to join a Medicare Advantage plan, sign up for one that offers prescription drug coverage (see above)
    • If you’re going to enroll in Original Medicare, sign up for a stand-alone Part D plan
      • Try to sign up for a Part D plan by December 31, 2019, so you can have drug coverage beginning January 1 of the next year. You technically have until February 28, 2020, to sign up for prescription drug coverage. However, if you wait until January or February to enroll in the new plan, your coverage will start the first day of the month after you enroll.

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For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.

How much doctors are paid by Medicare?

How much doctors are paid by Medicare?

For the first time in its almost 50-year history, the government has released detailed data about how much doctors are paid by Medicare and what procedures doctors performed. The data only cover Medicare Part B for the year 2012. It includes payment for doctor’s office visits, lab, and procedures (such as x-rays and chemotherapy treatments) and does not include payments for hospital visits, prescription drugs, or private insurance. You may find details in The New York Times and Washington Post. Read more…