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Medicare covers most but NOT ALL health services, and does not usually pay 100 percent of the cost even for covered services. Even if Medicare covers a service, you generally have to pay your deductible, coinsurance, and copayment.
Health services not covered by Medicare include (but are not limited) the following: Read more…
You may contact Social Security by visiting the website, by phone, by mail, or by visiting the local office. Read more…
Until recently, the only way for an agent to enroll a non-local client in a Medicare Supplement (Medigap) plan was by using regular mail. The paper application was sent, the client completed and signed it, and the completed application with the enclosed check was mailed back to the agent. The agent then sent or faxed the application to the vendor. Not anymore. The power of the Internet and electronic applications (E-Apps) offered by many vendors raised the Medigap enrollment process to a new level. Read below about all the advantages using Medicare Supplement E-Apps. Read more…
You may be entitled to the Medicare Supplement household discount if the state where you live allows the discount and the Medicare Supplement vendor whose policy you are using offers the discount. Most states do allow the Medicare Supplement household discount. The typical rebate is 5 to 7%. The vendor offering the discount is state specific; a company offering the discount in one state may or may not provide it in other states.
There are two types of household discounts available. Read below. Read more…
UPDATED on Jan. 5, 2019. How can you change your Medicare plan at ANY TIME using the Medicare Extra Help SEP?
You may change your Medicare Advantage or Prescription Drug (Part D) plans ONLY at specified enrollment periods. The two most known of them are Initial Coverage Enrollment Period (ICEP) that occurs when you turn 65, and Open Enrollment Period that runs every year between October 15 and December 7. Outside of those periods, you can only change your health and prescription plan coverage, if you qualify for a Special Enrollment Period (SEP). Using SEP you may change a Medicare plan at any time or at specific times depending on the SEP’s nature. Read more…
For most types of insurances, the company name and rating are essential. The Medicare Supplement, also known as Medigap, is an exception from this rule. For Medicare Supplement company ratings are NOT really important. The reason is the standardization of plans and centralization of processing. Read below.
What do you think about Are Medicare Supplement company ratings important? Write your comments.
If you are looking for Medigap coverage, let us guide you. To view real quotes from Medigap plan providers, please fill out our Medicare Supplement Quote form, or give us a call at 877-657-7477.
Most people who have Medicare also have some form of supplemental insurance. Only 12 percent of people do not have any supplemental coverage. Medigap plans, also known as Medicare Supplement Plans, is one of the major sources of supplemental insurance for people with Medicare. And their share is growing. So, why are Medigap plans popular?
Guaranteed Issue Rights are the rights you have in certain situations when insurance company MUST offer you certain Medicare Supplement (Medigap) policies, and you are NOT a subject to medical underwriting used to decide whether to accept your application, to charge more for the plan, or to impose its regular (up to six months) pre-existing conditions waiting period. Do you have Guaranteed Issue for Medicare Supplement? Read more…
UPDATED Jan. 13, 2019. The Medicare Part B covers Medicare Mental Health Services on an outpatient basis when provided by a doctor, clinical psychologist, clinical social worker, nurse practitioner, clinical nurse specialist, certified nurse-midwife, or physician assistant in a doctor or other health care provider’s office. Medicare only covers visits when they are provided by a health care provider who accepts Medicare. Read more…
Liberty Medicare expands its health insurance operations in Maryland. You may now inquire and enroll in one of Medicare plans in all four Mid-Atlantic States (Pennsylvania, New Jersey, Delaware, and Maryland), as well as in two Midwest States (Illinois and Ohio).
We also help you to enroll in one of Marketplace plans in Pennsylvania and New Jersey.