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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.
Liberty Medicare recently gave an interview to Bloomberg Businessweek on the subject of Affordable Care Act (ACA) and Short-Term Health Plans. Click here to read the Businessweek article.
What do you think about Bloomberg Businessweek interviews Liberty Medicare? Write your comments.
For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.
With all recent attention to Health Insurance Marketplace, it is often forgotten that Marketplace plans are not for everybody. Most people recently enrolled in Marketplace have SUBSTANTIALLY reduced premiums based on Premium Tax Credit and Cost-Sharing Reductions – two affordability programs provided by the federal government. For people not entitled to those programs, Marketplace plans are often not affordable. The Short Term Health Insurance offers an alternative solution to the Marketplace. Read below. Read more…
UPDATED Jan. 31, 2019. There is plenty of information on how Medicare Extra Help will help people to reduce their Prescription Drug Costs. It primarily describes who is eligible for those programs and what benefits they provide as far as a stand-alone Prescription Drug Plan (Part D). Much less information is available on the role of the Medicare Extra Help for Medicare Advantage Plans with Prescription Drugs (MAPD). This post will fill this void.
The Federal Medicare Extra Help program also referred as the Low Income Subsidy (LIS) program, is for people with full Medicaid coverage as well as for people who are not on Medicaid but who have limited income.
For people with income less than 135% of the Federal Poverty Level (FPL), the benefits include: Read more…
The Affordable Care Act (ACA), also known as Obamacare, is upon us. There is great anticipation about the opening Health Insurance Marketplaces on October 1, 2013. Therefore, it is very important to clear up the many misconceptions how Obamacare will affect Medicare. In this post, we will review the following subjects:
Is the number of doctors participating in Medicare falling because of stingy government reimbursement rates? Is it possible that baby boomers may find “their current doctors are no longer willing to treat them under Medicare and that other doctors are turning them down as well?”. This is a subject of the recent New York Times article (Aug. 31, 2013). The main results of the survey are provided below. For more details, review the original article Doctors and Their Medicare Patients. Read more…
Medicare assignment means that your doctor accepts the Medicare-approved amount as full payment for covered services. Most doctors accept Medicare assignment, but some do not. Check to make sure that your doctor participates in Medicare AND accepts assignment – it will keep your costs down and make life easier. Consider the following scenarios.
The latest issue of Consumer Reports (September 2013) includes a useful article on cutting drug costs. Here are the major tips on how to save money and still get effective and safe treatment. For more details, review the original article – Surprising ways to cut your drug costs.