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Medicare Supplements
Medicare is a Federal Health Insurance Program for people turning 65 years of age or older. It contains two areas of coverage; Part A and Part B. Part A is an "automatic" benefit and covers Hospitalization. Part B is "voluntary" and contains medical benefits such as regular check-ups at your Doctor's office. It pays for much of your health care, but not all of it, such costs could be, prescription drugs, deductibles, and coinsurance. Six months prior to your 65th Birth Month, you are in "Your Open Enrollment Period". This is a "perfect" time to obtain a Supplemental Insurance Policy that covers the "gaps" in Medicare.
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The companies we represent are listed below.
Aetna Insurance Company * American Republic * Mutual of Omaha Philadelphia American * United Commercial Travelers.
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SHIIP - Seniors Health Insurance Information Program
There is a "FREE" Tool that is provided by the North Carolina Department of Insurance that is available for your use. It is the "Medicare Supplement Premium Comparison Database" which does historical comparisons on the rates of all supplements available in North Carolina. If you are currently on Medicare and have a Supplement Plan or about to go onto Medicare, this is a "GREAT TOOL" that will assist you in the determination of how competitive your rates will be today and tomorrow.
Remember, many companies offer a Plan F which all have the exact same benefits, the difference is the amount you pay! Below you will find the link to their website. You can search by plans and most importantly, by your age. Once you complete your search, you can see how your supplement rates compares to others. Would you like to know which companies offer the best rates?
Medicare Supplement Premium Comparison Database
Click Here ===>> http://www.ncdoi.com/medisupp/citizen/search.asp
----- Part D Plans -----
Are you searching for a Part D Plan? If so, are you interested in knowing your monthly and annual costs associated with our Part D Plan? If your answer is YES, click on the link below and look for the "Drug Coverage & Pricing Tool". This is a great aid in the determination if any Part D Plan is a good investment or not. You will need to have available your specific medication information; for example, the name of the medicine, the milligram of the tablet, and the dosage. Once you enter this information, you can view a spreadsheet showing your monthly costs and when and if you will enter the "dough-nut hole" of coverage. Be sure and view all three (3) plans, the highest premium plan may save you the most money throughout the year.
AdvantraRx "Drug Coverage & Pricing Tool"
Click Here ===>> http://advantrarx.coventryhealthcare.com/index.htm
Have you turned 65 and are still working?
If so, is your employer providing your Health Insurance? If answers to these questions are YES, the following information is something for you to know and consider. Before reaching the age of 65, you should receive a packet in the mail from Medicare. Inside this packet will be your Medicare Card and a reply card to send back to Medicare. This reply card references your desire NOT to enroll in Part B, at this time. If this reply card is NOT received by Medicare, you will be enrolled into Part B. The premiums (cost) will be deducted from your Social Security check and it will start your open enrollment period. As long as you do not enroll into Part B of Medicare, Your "Open Enrollment Period" will be maintained. You can enroll in Part B at any time in the future. This "Open Enrollment Period" is very important to maintain particularly if your medical conditions will deter you from obtaining a Medicare Supplement Policy. If this situation applies to you and you wish to discuss this further, feel free to complete our online "Contact Us" form and one of our representatives will be in touch with you.
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If you are looking for a "true" Supplemental Plan, look no further! Give us a call, TODAY! and receive personalized attention for your Medicare Supplement needs.
For more information and to receive your quote comparison, complete our "Contact Us" form or feel free to call us right away!
704-748-4885
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