• $0 – Anthem Medicare Preferred Core PPP
  
• $51 – Anthem Medicare Preferred Premier PPO
• Print 2012 Application
• Benefit Outline
  

With the Anthem Colorado Preferred PPO plans you will receive …

• Premiums as low as $0.00 which includes the Medicare Part D Prescription plan at no additional cost.
• Out of pocket limits to protect you from high, unexpected medical costs.
• One plan and one card for your covered medical and Part D drug benefits.
• Optional benefits for Vision, Dental, Chiropractic and Acupuncture services.
• SilverSneakers gym membership, preventive care coverage, online resources and discounts, and much more.

Can I Choose my own Doctor?

Yes, the Anthem Colorado Medicare Preferred Core and Premier PPO plans have formed a network of physicians, specialists and hospitals.  You can use any doctor who is part of our network.  You may also go to doctors outside of our network.  This is a great advantage of having a PPO style Medicare plan, which allows greater access of physicians and hospitals when you need it most.  You don’t need a referral for a primary care physician.  Call a doctors office, make the appointment and go.  It’s that simple.

What do these plans cover?

As you can see from the above benefit-chart, the Anthem Colorado Medicare PPO plans are full “Major-Medical” Medicare health plans.  Providing comprehensive coverage for both inpatient hospitalization, along with out-patient doctor visit care, testing, procedures and surgery.  The Anthem Medicare Part D Prescription plan is also included in both PPO plans at no additional charge.  The “Benefit Outline” (link below) will provide a more detailed look at the two Anthem Colorado Medicare PPO plans.

So if you are looking for an affordable, comprehensive Medicare plan with freedom of choice of doctors and hospitals, the Anthem Colorado Medicare Preferred PPO plans are plans you should definitely compare with the other plans you are reviewing.

How to Enroll …

It’s easy, simply print the 2012 application (or call me and I’ll send you one).  Once completed, fax or mail it to me for processing.  I’ll be able to track the process for you to make sure the enrollment forms are complete and the effective date is what you desire.

• Print Application – 2012
• Benefit Outline

Please feel free to call anytime with questions.

Other Anthem Medicare PPO Plans:  California  -  Nevada  -  Colorado

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• $0 – Anthem Nevada Medicare Preferred PPO plan

Can I Choose My Doctors?

The Anthem Medicare Preferred Core PPO has formed a network of physicians, specialists and hospitals.  You can use any doctor who is part of our network.  You can also go to doctors outside our network.

How do I get Extra Help for my Prescription Drug costs or other Medicare costs?

You may be able to get extra help with your prescription drug premiums and costs as well as get help with other Medicare costs.  To see if you qualify for extra help, call; 1-800 Medicare (1-800-633-4227).

Annual Open Enrollment …

If you are changing Medicare Advantage plans you can enroll in the Anthem Medicare Preferred PPO plan between the dates of October 15th and December for a January 1 2012 effective date.  If your current plan is being cancelled you have up to December 31 to enroll in the Anthem Medicare PPO plan for a January 1 effective date.

• Application – 2012
• Summary of Benefits

• Application – 2012
• Summary of Benefits

Count on the Experience from a Name you can Trust …

Consider the peace of mind you’ll enjoy when you are covered by a company that’s been a market leader for generations.

• 42 – The number of years we have been offering health coverage.
• 34,000,000 – the number of members we serve.
• 54,000 – The number of retail pharmacies across the U.S. you will have access to.

Registered Nurses can help by phone 24/7 …

What if you get sick or injured when your doctors office is closed?  Anytime day or night, you can call the 24/7 nurse helpline toll free.  Registered nurses will help assess your symptoms and talk with you about your options for care.  Program the help number into all of your phone, so you have one-touch access to the help you need.  You also have access to hundreds of taped health topics.  Just call the nurse line and follow the prompts to get the health topics audio library.

Silver Sneakers Fitness Program is Included …

SilverSneakers gives you a fitness membership with use of all basic amenities plus signature group exercise classes, access to any participating locations in the nation, a secure online members-only community with many resources, fun events, health education and much more.  SilverSneakers “Steps,” an exercise program that allows you to do your own favorite workouts, is for members who don’t have convenient access to a SilverSneakers fitness location.  Simply go to: www.SilverSneakers.com to find a location near you.

$12 – Optional Package #1 … (Preventive Dental Package)

• 2 oral exams per year ($0 copay) which includes cleanings every 6 months, and one set of X-Rays per year.
• $0 co-pay for preventive dental benefits.
• $500 plan benefit limit per year.

$32 – Optional Package #2 … (Comprehensive Dental & Vision Package)

• 2 oral exams per year which include cleanings every 6 months, and one set of X-Rays per year.
• $0 co-pay for preventive dental benefits.
• 20% of the cost of covered restorative dental services (amalgam restoration).
• 50% of the cost of covered endodontic, periodontic and oral surgery dental services.
• Vision
• $0 co-pay for 1 routine eye exam every year.
• $0 co-pay for one pair of glasses every year.
• $0 co-pay for contact lenses every year.

$45 Optional Package #3 … (Combination Package)

• Dental (Preventive & Comprehensive, Vision (Eye Exams & Eye wear).
• Chiropractic Services & Acupuncture.
• Comprehensive Dental package – same as above.
• Vision package – same as above.
• Acupuncture Services:
• benefit amount of $60 per chiropractic visit.
• Up to 10 Routine acupuncture visits each year.
• $20 co-pay per visit.
• Chiropractic Services:
• Benefit amount of $60 per chiropractic visit.
• Up to 10 routine chiropractic visits each year.
• $20 co-pay per visit.

• Anthem Medicare Preferred PPO plans in other states:  California – Nevada – Colorado – Ohio – Indiana – Kentucky

Enrolling in the Anthem Medicare Preferred PPO plan is Easy …

Simply, print the application available on this web page, or call me and I can mail you the enrollment application.  When finished fax, mail or email the application back to me for processing.

Please feel free to contact me anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Automatic Enrollment …

• If you are receiving Social Security  -  Medicare starts the first day of the month you turn 65.
• If you get disability benefits from Social Security  -  Medicare starts the first day of the 25th month after your social security benefits start.
• If your disability is ALS (Lou Gehrig’s disease  -  Medicare starts the first day of the month your social security or disability benefits begin.

If you are 65 or older and are not receiving your social security benefits because you are still working, you will not receive Medicare Parts A and B automatically.  You will need to sign up for them by contacting the social security administration at: 800-772-1213.

Part A Premiums …

Most people do not pay for their Part A premium, because they or their spouse paid Medicare taxes during their working career.  People who are not eligible for “premium-Free” Part A may purchase the coverage for a premium.  If you purchase Part A, it is mandatory to also purchase Part B.

When can you sign up … (Initial Enrollment Period)

The Medicare sign up period 7 months.  You can sign up three month prior to your birthday month, the month of your birthday and up to three months after your birthday.  If your birthday is not on the 1st day of the month, your start date will be the first day of your birthday month.  If your birthday is on the 1st day of the month your Medicare start date will be the first day of the previous month of your birthday.

General Enrollment Period …

If you did not sign up for Medicare A and B when you were first eligible, you can sign up between January 1 and March 31 each year.  Your coverage will start July 1.  You may have to pay a higher premium for late enrollment.

Special Enrollment Period …

If you did not sign up for Medicare A and B when your were first eligible, because you were still employed and or enrolled in a Group Health plan.  You can sign up for Medicare A and B anytime while you are still employed or have your Group Health plan.  Or, during the 8-month period that begins the month after your employment ends or the group health coverage ends, whichever happens first.

Late Enrollment …

The late enrollment penalty is equal to 10% of the Part A premium, unless you are eligible for a Special Enrollment Period.  You will have to pay the penalty for twice the number of years you were initially eligible for Part A.

Part B is also a 10% penalty for each 12 month period you delay enrollment in Part B.  You will have to pay the 10% penalty for as long as you are enrolled in Part B coverage.

Medicare and Tricare …

If you have Medicare Part A and TRICARE (coverage for active duty military and retirees and their families), you must also have Medicare Part B to keep your TRICARE coverage.  However, if you are an active duty service member or the spouse or dependent child of an active duty service member, you do NOT have to enroll in Medicare Part B to keep your TRICARE.  When the active duty service member retires they must then enroll in Medicare Part B to keep their TRICARE coverage.

Quick Links:

• Medicare Supplement Rates
• Under-Age 65 Medicare Supplement Info
• Medicare Part D Rx info
• Guaranteed Issue Guidelines
• Medicare Excess Charges
• Freedom Blue Medicare PPO

Need Help or have Questions

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

You can print the application is you would like to enroll, or I can email, fax or mail the application to you.  Gerber is know nationwide as one of the most competitive Medicare Supplement companies.

If you would like to review Medicare Supplement Rates from companies like Gerber, Mutual of Omaha, Anthem Blue Cross, Sentinel Security, Forethought and Family Life.

• Click Here for the Rates.

Please feel free to call anytime with your questions regarding rates, the application or Medicare in general.

Gerber Medicare Supplement Applications by State …

• Alabama
• Arizona
• Arkansas
• California
• Colorado
• Delaware
• Florida
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maryland
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• New Hampshire
• New Jersey
• New Mexico
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Applying is Easy!

Complete the enrollment application for your state, then simply fax or mail it back to me, and I’ll do the rest to make sure your application is processed quickly, accurately and with the desired effective date.  Feel free to call and I will walk you right through the process.

Thanks;

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Sentinel Security Rates in your State

Below is a snapshot of how the different Medicare Supplement plans work and help cover the expenses which Medicare does not.

As you can see from the above chart, each ‘letter plan’ provides a different level of coverage.  F being the most comprehensive.  The “High-F” plan has a $2000 annual deductible.  Once the deductible is satisfied the coverage is 100%.

• Other Company Rates in your State

Medicare Part D Rx Coverage …

Remember you will also need to enroll in a Medicare Part D plan to cover your meds.  Part D plans are considered Medicare Advantage plans and provides an annual open-enrollment the end of each year, allowing you to shop and compare the different Part D plans in your area.  You can check; www.Medicare.gov, this will show you all the plans within your county.  The site is a bit clunky, so if you like you can call me and I’ll input the info and show you the top three most cost effective plans in your county.  Click here for info.

You can see any Medicare-Approved physician …

With a Sentinel Security Medicare Supplement plan, you are able to see any Medicare-Approved physician, hospital and specialist in the U.S with out having to receive a referral.  If you want to see a particular doctor across your state or across the country, if the Doctor is Medicare-Approved, simply make the appointment and go, it’s that easy!

Open-Enrollment & Part B …

If you are new to Medicare or soon to be, you will have a 6 month open enrollment period which allows you to enroll into any Medicare Supplement, Medicare Advantage or Medicare Part D Rx plan without having to answer any health or prescription questions.  So regardless of your current or past health status your enrollment is guaranteed.  If you are allready a Medicare Beneficiary and looking to change companies or plans there are many situations which allow you to move plans.  Click here to see your options.

Texas Medicare Supplement Plans …

As a Texan you have plenty of choices from top Medicare Supplement companies such as; Gerber, Mutual of Omaha, Family Life, Forethought, Sentinel Security of course, and many others.

Application Process is Easy …

Once you decide on a company and plan, contact me and I will email or mail the appropriate application to you.  Once finished you can simply fax it back to me for processing.  I’ll do the rest to make sure your policy is finished quickly, correctly and with the requested effective date.

Please feel free to call anytime with your questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Where to Start …

Before going through the pile of brochures with all of the smiling faces on the covers, you must first understand how Medicare works and what you need to properly protect yourself and family, at a cost you can afford.

Medicare Part A …

If you have worked at least 40 quarters in the US, you are entitled to Medicare Part A coverage, which pays for part of your “in-patient hospitalization.”  Beware of the $1,130 “Benefit-Period” deductible.  Which is a 60 day deductible, not an annual deductible.  If the situation is right, a person would have to pay this $1,130 deductible 6 times in a year.

Medicare Part B …

When you are eligible for Medicare, you must request and enroll in Medicare Part B for a monthly premium (call the Social Security Admin: 800-772-1213 – they will send you the enrollment form).  Part B provides coverage for “out-patient” physician coverage, outpatient hospital services, medical equipment and supplies and skilled nursing care.  Part B has an “annual deductible” of $162.  You are also responsible for 20% of all costs once your deductible is satisfied (Medicare picks up 80%).

3 Options …

You generally have three choices when you start Medicare.

1. Use original Medicare only and be responsible for all deductibles, percentages and out-of-pocket costs when you seek medical services.
2. Purchase a Medicare Supplement plan and Medicare Part D Rx plan.
3. Enroll in a Medicare Advantage HMO or PPO plan which may or may not include Part D.  There are other combination’s of options, but these are the general rule.

Medicare Part D Rx plans …

Medicare does not provide prescription coverage.  Part D plans are administered by insurance companies and are what’s called; County-Specific.  Meaning the company providing the Part D plan must be available in your county.  There are hundreds of companies offering Part D coverage.  A good place to start is: www.Medicare.gov, you can enter your zip code and prescription list, and the site will show you details on all plans in your county, including monthly premiums, what the costs are per drug, if there are any restrictions with a particular drug, etc.  It’s a great information source.  Or, you can contact me and I can do that for you and show you what the top three plans are for your  unique situation.  Click here for a little more info.

Medicare Supplement …

Want more than what original Medicare offers?  Medicare Supplement plans may be what will work for you.  They are “letter plans” such as; Plan A, C, D, F, G, N and a few others.  Take plan F for example.  With a Medicare Supplement plan F you are covered at virtually 100% of all Medicare costs.  Hospitalization, doctor services, medical equipment, lab, X-rays, radiology and so on.  You can see any Medicare-Approved physician or hospital in the US, and you don’t need referrals.  No more worries about insurance company physician networks.

All Medicare Supplement plans have a monthly premium, typically based on your current age, a few states have a flat rate.  You will also need to purchase a Medicare Part D Rx plan.  Medicare Supplement plans rarely change plan design or benefit structure, which is much different from a Medicare Advantage plan which change annually.  With a Medicare Supplement plan you can be confident that your benefits may never change.  That is a good thing!

• Anthem Medicare Supplement Rates – Along with other major company rates.

Medicare Advantage …

Medicare Advantage plans are typically HMO and PPO plans.  They look and feel much like an employer health insurance plan, in that you may have deductibles, copays and other out of pocket costs when you see a doctor or hospital.  Also, some Medicare Advantage plans include the Part D Rx plan for the same premium which is usually quite a bit less than a Medicare Supplement plan.  With the Medicare Advantage system you are allowed to change plans and or companies each year.  There is an “Open-Enrollment” period at the end of each year, allowing companies to show what changes they have made to their plan.  Medicare Advantage plan rates and benefits change each year, some plans much more than others.  Take advantage of the “Open-Enrollment” each year to make sure you are receiving the best plan for the premium in your area.  Take a look at the Anthem Freedom Blue PPO plan, it’s not in all states but it’s a good one!

Once you are on a Medicare Advantage plan, if you want to switch to a Medicare Supplement, you will have to answer all the “health” and “prescription” questions on the Medicare Supplement application.  Your transfer is not guaranteed.  There are a few rules which allow you to move to a Medicare Supplement guaranteed, but in most cases you have to be approved medically.

Guaranteed-Issue and Open-Enrollment …

There are many situation where you must be offered the plan you are enrolling in; New to Medicare (6-month window), Coming off of an employer health insurance plan and currently on Medicare (63 days), Your Medicare Advantage plan is being canceled or non-renewed (63 days).  There are many other situations available.  Click here to find out.

I hope this information helps during the time when you are most likely overwhelmed with proposals, brochures, applications and other marketing materials.

Please feel free to call or email anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Compare Gerber Medicare Supplement Rates
• Compare Rates of all Companies

Guaranteed Issue …

Are you new to Medicare, coming off of an employer group health insurance plan, or is your Medicare Advantage plan canceling?  There are many situations which allow for a “Guaranteed-Issue” Medicare Supplement plans.  You can click here to see if you fall into one of the Guaranteed-Issue categories.

Doctors and Hospitals …

With a Gerber Medicare Supplement plan you are able to see any physician or hospital in the United States who are Medicare-approved.  No longer do you have to worry about insurance company doctor lists, or if you need a referral to see a particular physician.  If the doctor is Medicare-approved, simply make the appointment an go, it’s that simple.

Is your Doctor part of Medicare?

Some doctors have completely opted-out of the Medicare system completely.  Click here to update yourself on the three kinds of Medicare Doctors.

Medicare Part D Rx plans …

Don’t forget about your prescription plan.  Medicare Supplement plans do not provide coverage for prescriptions.  The premiums for the plans will usually run between $15 to $50 per month depending your your list of prescriptions.  You can start here, or go to www.medicare.govto start your Part D search.  Of course you can always call me and I will be happy to show you the top three plans in your county for your meds.  With the Part D plan you will have an open enrollment at the end of each year so you can compare all the new plans in your area.

From Portland to Medford to Bend to Baker City and everywhere in between, Gerber will provide not only the competitive premium but also the excellent customer service along with the coverage and benefits of a Medicare Supplement plan of your choice.

• Gerber Applications in your State

Applying is Easy …

Simply call or email and I will send you the appropriate application of your choice (email, fax or mail, whichever you prefer).  Simply complete the application and fax back to me for processing.  Call me and I can walk you right through it.  Approval times usually take about two weeks.  Send the application in a little earlier if you want your ID card by the time the your coverage starts.

I’m sure you’ll have questions so please feel free to call anytime.

Thanks;

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

Medicare Part B typically covers 80% of your medically necessary services such as; doctors services, outpatient care, medical supplies and equipment, preventive care, home health services and other ‘outpatient’ medical services.

2011 Medicare Part B Premiums …

Your Medicare Part B premiums are based on your 2008 income.  The basic Part B premium for 2011 is $115.40 per month.  Up from $110.50 in 2010.  There is what is called a “Hold Harmless” clause in the Medicare law which prohibits Part B premiums from rising more than that years cost of living increase in Social Security benefits.  So because there is no cost of living benefit increase for Social Security recipients for 2011, most beneficiaries  will be exempted from paying this increase and will instead pay the same $96.40 premium they paid in 2008.

“Hold Harmless” does not apply if …

• They do not have their Part B premium withheld from their social security checks.
• Pay a higher Part B premium because of high income.
• Are new to Part B.

2011 Figures …

• Part B Premium: $115/40 per month.
• Part B deductible: $162
• Part A deductible: $1,132
• Copay for hospital stay days 61-90: $283 per day.
• Copay for hospital stay days 91 and over: $566 per day.
• Skilled nursing facility days 21 – 100: $141.50 per day.

Please feel free to call if you have any questions.

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

In most states Sentinel Security include Medicare Supplement plans; A, B C, D, F and N.  Each letter plan provides a different level of coverage to help offset the out of pocket costs you would otherwise have with Original Medicare along.

Organized in 1948, Sentinel Security Life Insurance Company is now licensed to operate in 20 states.  If you would like more information regarding the Sentinel Security Medicare Supplement plans please feel free to call anytime; 800-700-1246.

• Compare Medicare Supplement Rates in your area

2011 Sentinel Security Medicare Supplement plans are now in most of the western states.

Sentinel Security Rates

Arizona, California, Colorado,  Iowa,  Idaho,  Kansas,  Louisiana,  Montana,  Nebraska,  Nevada,  New Mexico,  North Carolina,  North Dakota,  Oklahoma,  Oregon,  South Dakota,  Texas,  Utah,  Washington,  Wyoming.

For Anyone on Medicare A and B …

Are you new to Medicare, coming off of a Group Health Plan, dis enrolling from a Medicare Advantage plan which you have had for less then 12 months, or simply shopping for a new company?  Call or email, and I will forward you the different company rates so you can make the best decision for your situation.

Also – Under-Age 65 and on Disability …

You may be eligible for a Medicare Supplement plan if you have been on Disability for 24 months.  Not all states offer under-age 65 Medicare Supplement plans.  Depending on the state you reside, I can show you the available company plans and rates for your area.

Don’t forget Part D Rx coverage …

You will also need to enroll in a Medicare Part D Rx plan to cover your prescription needs.  Medicare Supplement plans do not include Rx benefits.  A good place to start your search is www.Medicare.gov, you can enter you prescriptions with dosage and the website will show you which companies pay the most for your current prescriptions, along with the plan monthly premium.  Be aware some companies have a $310 annual deductible before the plan starts to pay for the drugs, other plans do not have this deductible.  If you like you can send me your prescription list and I can enter them for you, then send you the results.  Let me know if I can help.

No Need to Worry about Doctor Networks …

With any Medicare Supplement plan you are able to see any Medicare-Approved physician or hospital in the U.S.  No need to check the insurance company network of providers.  Also you will not need referrals to see specialists.   This is one of the many great benefits of having a Medicare Supplement plan.

Current States …

Sentinel Security Medicare Supplement plans are in the following states:  Arizona, California, Colorado, Hawaii, Idaho, Iowa, Kansas, Louisiana, Minnesota, Montana, Nebraska, New Mexico, Nevada, North Carolina, North Dakota, Oklahoma,  Oregon, South Dakota, Texas, Utah, Washington, and Wyoming.

Quick Links …

• Medicare Supplement Rates
• Medicare Part D Rx info
• Guaranteed-Issue Guidelines
• Under-Age 65 Medicare Supplement info
• Medicare “Excess Charges”

I am an authorized agent for most of the major U.S. carriers, they compensate us to help you.

Call today for a Quote …

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

1. Their customer service is very good.  This is a big one, I judge a Med Supp company heavily on their service.  If a client calls me with an issue,  or they would like to make changes to their account, and I need to call the company.  Will I be able to receive quick and accurate information, and provide a quick fix?  With Anthem I can honestly say the service is great.  Most of my clients will call me with questions or changes regarding their plan.  With a quick call to Anthem I am able to return the call to my client with the information they are looking for. 
2. Anthem Extras – additional benefit plans including Dental, Vision, Silver Sneakers fitness program and Foreign Travel.  You can view them here.  Standard Package: $23, Premium Package: $44, Premium Plus Package: $63, Premium Plus Dental: $47.  Added plan with the simplicity of one invoice and one service department.
3. Anthem’s Medicare Supplement plans have very stable rates through a persons 60′s, 70′s and 80′s.  Anthem does not offer a “teaser-rate” then raise the premiums considerably after you are a member.
4. Anthem provides Medicare Supplement plans, a very popular Medicare Advantage PPO, and several Medicare Part D Rx plans to choose from.  All under one roof.
5. 70 years of experience serving seniors.
6.  A company for now and into the future.  Anthem works hard for your business.  They are always looking for ways to provide more to their members, in the way of savings coupled with quality coverage.
7. The most popular plans – Anthem provides in my opinion, the best and most popular Medicare Supplement plans: A, F, High Deductible F, G and N.  With this choice of plans you have the premium choice along with coverage choice at your fingertips.

There you have it!  There are many, many more reasons, although these are what I believe what makes Anthem so good at what they do in the senior market.

• Anthem Rates
• Anthem Application (choose your state)

I’m here to help, so please feel free to call or email anytime with your questions.  Over-age 65 or Under-age 65 Medicare Supplement plans can be a bit confusing at times with different situations. 

New to Medicare, coming off of an employer health insurance plan, on disability and now on Medicare, looking to shop for a new plan, on a Medicare Advantage plan and wishing to move to a Medicare Supplement?  These are all situation you may find yourself in.  Believe me, you have plenty of options.  Please call anytime.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

If you currently have a Mutual of Omaha Medicare Supplement plan N, you may keep your policy or replace it at anytime with another Medicare Supplement plan available in your state.  Normal conversion and underwriting rules apply.

Other companies are still offering Plan N, if you would like to compare rates simply click one of the company links below.

Compare Rates …

Anthem Blue Cross  -  Gerber  -  Mutual of Omaha  -  Family Life  -  Forethought

If you decide to keep your Plan N, the benefits will stay the same for you.   If you decide to look at other Medigap plans, please consider plans; D, F and G during your comparison.

Guaranteed-Issue …

If you are still within your initial 6-month ‘open enrollment’ period, from when your Medicare Part B coverage started, and you have already been approved for a plan N, you can still change to another plan and or company, guaranteed.  So if you have questions or would like to look into another company or plan, please feel free to call me anytime with questions, or view the “Guaranteed-Issue” options available.

Medicare Supplement Doctors & Hospitals …

Remember with a Medicare Supplement plan you are able to see any Doctor or Hospital in the United States who are Medicare Approved.  You are not limited to an insurance network of providers or gatekeepers.’  Simply call the doctor’s office and ask if they are Medicare providers.  Don’t feel that you are limited to your town or county or even state.

Easy to Enroll …

It’s easy to enroll in another company Medicare Supplement plan, simply call and I will email, mail or fax the appropriate forms to you.  Once completed you can fax it back to me for quick and accurate processing.  When the application is received by us, the process usually takes a couple weeks.  Once approved, the company will mail the ID cards and Policy to you directly.

Feel free to use this website as a resource, to compare plans, companies and rates in your state.  I work hard to keep the information up to date and useful.  So look around and if you don’t find what you are looking for, be sure to call.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Gerber was named one of the top 50 performing Life and Health companies in 2009 by the Ward Group which is an independent consulting and benchmarking firm in the insurance industry.  Licensed in almost every state, Gerber has $37 billion of in-force life insurance, and more than three million members in force.

Part A Deductible …

Plans D, F and G are a few of the available plans which cover the Medicare Part A deductible of $1,32.00.  After the first 60 days Medicare pays all of the eligible in-patient hospital expenses.  Also covered is the $283 co-insurance from days 61 through 90.  And when in the hospital from days 91 through 1500 your Illinois Medicare Supplement plan F pays the $566 per day charge which is not covered by Medicare.

Skilled Nursing Facility Care …

The first 20 days, Medicare pays all expenses.  Plans C, D, F and G pay the $141.50 per day charge from days 21 through 100.  You must enter a Medicare-certified facility within 30 days of being hospitalized for at least 3 days.  Also a rule of thumb, is the condition must be an improvable condition.  Benefits will continue to be paid as long as the patient is improving or is on a path towards improvement.  Degenerative conditions and status will be referred to a Long Term Care Facility, which is not covered by Medicare or a Medicare Supplement.

Medicare Part B (Physician services, ambulance and Supplies) …

Plans C and F are the two plans which cover the Medicare Part B annual deductible of $162.00.  This is an annual deductible and only needs to be satisfied once per year, unlike the Part A deductible which is a 60 “Benefit-Period deductible.”  After the $162 deductible Medicare pays 80% of the eligible costs, while you are responsible for the remaining 20%.  Medicare Supplement plans; A, B C, D, F, G, M and N all pay for this 20% charge.

Excess Charges …

Your bill for Medicare Part B services and supplies may exceed the Medicare eligible expense.  When that occurs, Plans F and G pay 100% of the difference.

Guaranteed Issue …

All Medicare Supplement companies must follow a strict set of rules which allow individuals to apply and enroll in a Medicare Supplement plan without having to answer any health or prescription questions.  To view all the available options, you can view the Guaranteed Issue rules here.

Application Process …

To apply simply print the Illinois application and fax it back to me at: 800-995-9913 (fax).  Or, call and I can email, fax or mail an application to you.  Please feel free to call and I will walk you right through the application.

• Print Application
• View Brochure

Please call anytime with your questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Dental  -  Vision  -  Travel Assistance  -  Silver Sneakers Fitness Program

Anthem Blue Cross has some new Dental & Vision packages called Anthem Extras, which can compliment all of our Medicare Supplement plans.  Anthem Extras consist of three packages; Standard, Premium and Premium Plus.  All three offer valuable benefits and services, such as;

• Packaged Dental and Vision coverage that offers extra preventive benefits.
• Support services and tool to help you maintain good overall health and well-being.
• Anthem Extras Brochure
• Anthem Extras Application

And best of all, these packages are available for a monthly plan premiums of: $23, $44 and $63.  The benefits in each package will roll up to one overall premium, and you will receive one ID card for all of these services.

All are optional packages available to our Anthem Medicare Supplement members who have one of the “Modernized” Medicare Supplement plans.  The Packages can be added and or canceled at anytime.

Dental …

• Annual Maximum Benefit – $500, $1,000 or $1,250 depending on the plan you choose.
• Annual Deductible – $0 to $50.
• Network of Dentists – Dental Blue 100 network – check for Dentists here: www.Anthem.com.
• Routine Cleanings, Exams & X-rays – 100% covered when using a participating dentist (2 cleanings per year)
• Fillings – 80% coverage (Premium & Premium Plus packages)
• Endodontics – Root canals, Oral surgery & Simple tooth extractions – 50% coverage (Premium & Premium Plus packages)
• Prosthodontics – Crowns, Dentures, Bridges – 50% coverage (Premium Plus package only)

Vision …

• Vision Exam – $10 to $20 copay (in-network providers only)
• Eyeglass Frames – You pay excess of $100. 20% discount applies to the balance over $100.
• Eyeglass Lenses – $10 to $20 copay (standard plastic single vision, bifocal or trifocal lenses)
• Contact Lenses – Conventional lenses ($80 allowance then 15% off the remaining balance) Disposable: $80 allowance, Non elective lenses (covered in full).

Travel Assistance …

What would happen if you got sick in another country?  Who would you call if you couldn’t speak the native language?  With Travel Assistance, you’ll get extended service 24 hours a day, seven days a week, no matter where you are abroad.  If you have an emergency medical situation while traveling abroad, simply call our assistance coordination line from any country to:

• Coordinate and pay for medical evacuation to the nearest appropriate treatment facility or back home when medically necessary.
• Schedule a bedside visit for a family member or friend if you are hospitalized for more than seven days, or if you are in critical condition.
• Access health-related travel planning information and receive assistance in replacing lost prescription medications or contact lenses while traveling, and much more!

Silver Sneakers Fitness Program …

SilverSneakers offers physical activity, health education and social events designed just for Medicare-eligible members like you.  You’ll have access to the following valuable services:

• Fitness – Enjoy basic membership at a participating SilverSneakers location.
• Fun – Participate in SilverSneakers classes, which are designed exclusively for older adults who want to improve their strength, flexibility, balance and endurance.
• Friends -  Meed new friends while you exercise.
• Convenience – Each SilverSneakers location has a Program Advisor to assist you with enrolling and meeting your health goals.  You can use any of more than 11,000 location across the nation that offer the SilverSneakers Fitness Program.  So if on vacation, see if a location will be near you.
• Find a Location – www.silversneakers.com

Your Monthly Cost …

• Standard Package – $23
• Premium Package – $44
• Premium Plus Package – $63
• Premium Plus “Dental” – $47

Available Anthem States …

California,  Colorado,  Connecticut,  Georgia,  Indiana,  Kentucky,  Missouri,  Nevada,  New York,  Ohio,  Virginia and Wisconsin.

• Anthem Extras Brochure
• Anthem Extras Application

Please feel free to call anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Participating Doctors (PAR) …

Doctors who participate in Medicare agree to accept Medicare assignment (payment) for all claims for Medicare patients as payment in full.  They can charge up to 100% of the allowable Medicare fee schedule and not more.  Participating Doctors and other providers cannot bill the patient for any sum in excess of the Medicare allowable amounts.  For a list of doctors and suppliers in your area who participate in Medicare you can call 1-800-MEDICARE or visit their website: www.Medicare.gov.

Non-Participating (Non PAR) …

If the doctor is not a participating provider in the Medicare program, they have chosen not to accept the Medicare fee schedule for claims.  This allows them to charge their patient an additional 15% above what Medicare allows for the Part B services.  This is called “Excess Charges” or “Limiting Charges.”  Excess Charges for Non-PAR doctors are set a 115% of the Medicare approved amount for non-PAR physicians.  However, because the Medicare approved amounts for Non-PAR physicians are reduced by 5% to 95% of the rate of PAR physicians, the 15% Excess Charge is actually only 9.25% above the Participating physician approved amounts for services.  Non Participating (non-PAR) doctors cannot charge more than 95% of the “Participating Provider” fee schedule.  Non Participating doctor fees are reduced by 5% for not participating in the Medicare Program.  Excess Charges only apply to Medicare Part B coverage charges, although not for supplies or durable medical equipment.

Even though the doctor does not accept Medicare assignment, they are still required by law to submit the claim to Medicare.  For example; after the claim is processed, Medicare will reimburse the doctor 80% of the approved amount.  The balance of $35 ($20 Part B coinsurance plus $15 Excess Charge is your out of pocket cost, assuming you do not have a Medicare Supplement plan in place.

Private Contracting Doctors …

Physicians can choose to Opt-Out of the Medicare system all together.  Once they have opted out of Medicare they cannot submit any claims to Medicare for any of their patients for a period of 2 years.  For a doctor to see a Medicare beneficiary, the doctor must enter into a private contract that meets specific requirements, which must  be written and signed by you.  A doctor who has ”opted-out” can charge their own rates and are not bound by the Medicare fee schedule.  If you have entered into an agreement with a doctor who has opted-out of Medicare, you will not be reimbursed by Medicare.  You are responsible for all charges from that doctor, except those in need of “emergency” care, or urgent care.

Also, physicians who opt out cannot choose to opt out of Medicare for some Medicare beneficiaries but not others, or for some services and not others.

New to Medicare and looking looking to compare Medicare Supplement plans?  Want to view rates of all the major companies in your area?

• Medicare Supplement Rates.

Please feel free to call anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Most Common Plans …

Most companies in Illinois provide plans; C, D, F, G and N.  All companies don’t offer all of these plan but if you are looking for a particular plan, you will be able to find it form one of the above companies at a very competitive rate.

Under-Age 65 Medicare Supplement …

Illinois is also a state which offers under-age 65 Medicare Supplement plans.  If you are disabled, under age 65 and have Medicare Parts A and B, you can take advantage of a guaranteed-issue situation as long as you enroll in coverage before your 6-month window expires.  Once your Part B coverage starts you’ll have six months to choose any Medicare Supplement or Medicare Advantage and Medicare Part D Rx plan available in your area.   There are many available options for “Guarantee-Issue Medicare Supplement plans, so please be sure to take advantage, if the opportunity presents itself.  You can review them here.

Under Age 65 Medicare Supplement States …

California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Vermont and Wisconsin.

Medicare and Medicaid …

There are currently 8 states which offers “Guarantee-Issue Medicare Supplement plans if you have Medicare in addition to Medicaid, and you have been notified your Medicaid coverage is being canceled.  In most cases because of a persons income grows too much to allow them to keep the coverage.  In this case a person will qualify for a Medicare Supplement with a 6-month guarantee-issue time frame, in the following states: California, Kansas, Maine, Oregon, Tennessee, Texas, Utah and Wisconsin.  Hopefully this list will continue to grow in the future.  If you find yourself in this position please feel free to contact me anytime with questions.

Illinois Medicare Supplement plans …

If you compare Illinois to other states, you will find Illinois has very competitive Medicare Supplement rates compared with other states nationally.  The lowest being; Mutual of Omaha, Forethought, Gerber and Family Life.  Click any of the links and start comparing today.  Be sure to take advantage of the range of guarantee-issue options available.  If you are outside of a guaranteed issue period, you can still apply to a company of your choice, people do it everyday.  Simply, complete an application, send it to me, and most likely the enrollment will occur without a “hiccup.”

What if your doctor does not participate in Medicare? Click here to see how this works.

Applying is Easy …

Make sure your Medicare Parts A and B are in effect or soon to be.  Then, once you decide on a company and plan, I will email, fax or mail the appropriate application to you for completion.  Then fax the application back to me for processing.  The typical application will take two weeks to to issue.

Please feel free to call anytime with questions.

Need Help or Have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Where to buy a Medicare Part D plan …

Private insurance companies are the only place to purchase a Part D Rx plan.  A good place to shop is; www.Medicare.gov.   And most follow a “Standard Benefit Plan Outline” which is as follows:

• Initial deductible of $310 – Some plans may have a drug deductible.  Most plans have either a $310 deductible, $150 deductible and others will not have any deductible at all, allowing “first dollar coverage.”
• Initial Coverage Limit- This coverage limit extends to the point where the total retail cost of the medication(s) reach $2,840.
• Coverage Gap (Donut Hole) – this gap in coverage starts when you reach your Medicare Part D plan coverage limit of $2,840, and ends when you have spent a total of $4,550.  In 2011 Part D members will receive a 50% discount on all of their “Brand” drug costs while in the Coverage Gap (Donut Hole).
• Catastrophic Coverage – When a person has spent more than $4,550 in prescription medication costs, they will be protected by the Catastrophic Coverage portion of their Part D coverage.  This coverage level is 95%, which means you will be responsible for only 5% of your prescription costs.

Enrollment Periods …

• Initial Enrollment Period (IEP) – This period is for people who first become eligible for Medicare Parts A and B coverage.  You have 6 months to enroll in a plan once your Part B coverage goes into effect.
• Annual Enrollment Period (AEP) – This is the time each year you are able to change Part D companies or stay with the same plan.  The AEP starts each year on November 15th and ends December 31, for an effective date of January 1st.
• Special Enrollment Period (SEP) – Allows a person to enroll in a Part D plan outside the normal enrollment periods.  A Special Enrollment period is: when a person looses their current creditable prescription drug coverage with a group health plan.  If the Part D company changes benefits of the plan, also if a person moves outside the Part D plan coverage location.  These are all examples of a SEP.

A good place to start your search …

A good place to start your search is; www.Medicare.gov.  You can enter your zip code, prescriptions and the type of plan you are looking for.  The website will provide plan rates, benefits and out of pocket costs to help you find the best plan for your needs.

If you are also looking for a Medicare Supplement plan: Compare Rates Here.

Please feel free to call anytime, I will be happy to help find the right Part D plan.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Gerber Rates
• Gerber Kentucky Application

Gerber is now in 42 states and is quickly becoming recognized as a national leader in the Medicare Supplement industry.  Established in 1967 Gerber Life has over 37 billion of life insurance in force with over 3 million policies.  Compare the rates today and see for yourself.  Please feel free to call me anytime with questions.

• Compare all Companies

In Kentucky Gerber offers Plans; A, F and G.  F is by far the most popular although Plan G is also very comprehensive coverage.

Initial Open Enrollment Period …

This is the six month window of time which allows you to enroll in a Medicare Supplement plan within 6 months of your Medicare Part B coverage effective date.  This time period is a guaranteed-issue opportunity regardless of your current or past health status.  During this open-enrollment period you do not have to answer any of the health or prescription questions on the application.  There are also other “Guaranteed-Issue” situations which a person should take advantage of.  If you are outside any guaranteed-issue period, you can apply for coverage to any Medicare Supplement plan and company at anytime during the year.  Simply answer the health and prescription questions in the application and submit it for processing.  Call me first I can give you a pretty good idea who will be the easiest to apply for.

Medicare …

• Part A – Inpatient hospital, care in a Skilled Nursing facility, hospice care.
• Part B- Outpatient care, doctor services, outpatient hospital, durable medical equipment, and some services not covered under Part A.
• Part C – Medicare Advantage plans – usually PPO and HMO plans.
• Part D – Medicare Prescription drug plans, open enrollment is typically the end of each year.

Other Company Rates …

Anthem Blue Cross – Forethought – Mutual of Omaha – Family Life – Gerber

Application …

If you are new to Medicare or shopping for a new company, please print and complete the Gerber application for Kentucky.  When finished simply fax it to me, I’ll do the rest to make sure you receive your requested effective date and make sure the enrollment process is quick and accurate.

Please feel free to call anytime with your questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Compare Oregon Rates
• Print Application

Company …

A+ financial rating, decades of Medicare Supplement experience along with proven excellent customer service, the Mutual of Omaha companies provide unquestionable stability and competitiveness in the Medicare Supplement market place.

Doctors & Hospitals …

With Original Medicare and a Medicare Supplement plan, you are able to see any Physician, Specialist and Hospital in the United States if they are Medicare approved.  You no longer need to verify if your doctor or hospital accepts a particular insurance company or plan.  With a Medicare Supplement all you need to do is make sure they are Medicare approved.  No need to worry about state borders or insurance provider networks, simply make sure your doctor accepts Medicare and your medical services will be covered depending on the plan you have chosen.

Medicare A & B first …

In order to enroll in a Medicare Supplement plan you must first have in force both Medicare Parts A and B.  You will be given a Medicare card with both Parts effective dates.  Once your Part B goes into effect you will have 6 months to enroll without having to answer any health or prescription questions on the application.  This 6 month window is called the “Initial Enrollment Period,” which is a guaranteed-issue period.

Medicare Supplement …

Every Medicare Supplement policy must follow Federal and state laws designed to protect you, and the policy must be clearly identified as “Medicare Supplement Insurance.”  Medigap Insurance companies in most states can only sell you a “standardized” Medigap policy identified by letters A through N.  Each standardized Medicare Supplement policy must offer the same basic benefits, no matter which insurance company sells it.  Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.  In Massachusetts, Minnesota and Wisconsin, the Medicare Supplement policies are standardized in a different way.

What Medicare Supplement policies don’t cover …

Generally, Medigap policies don’t cover long-term care (like care in a nursing home), vision or dental care, hearing aids, eyeglasses, and private duty nursing.

Medicare Part D Rx plans …

You will also need to enroll in a Medicare Part D Rx plan for your prescription coverage.  The best place to start your research is; www.Medicare.gov.  Enter your zip code and prescriptions and the website will provide all the information you need to make an informed decision.  Or, you can call me and I can send you the top 3 plans in your county.

Please feel free to call anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

2011 Guarantee-Issue …

During 2011, Anthem Blue Cross is offering a “guarantee-issue”opportunity to anyone with a current Medicare Supplement plan.  If you currently have a Medicare Supplement plan in force with any company, Anthem will allow you to switch to any of their Medicare Supplement plans, guaranteed.  You can move to a plan with equal or less benefits, so if you currently have a Plan F, you can move to the Anthem Plan F or any other plan with less benefits.  Also, there are no waiting periods for pre-existing conditions.  You will have coverage the day the policy goes into effect.  This offer will last until the end of 2011.

• Print Application

Ohio Anthem Medicare Supplement Plans …

Plans; A, F, High F, G and N.  All plans provide a different coverage and benefit level.  Original Medicare has deductibles and co-insurance for both inpatient and outpatient coverage.  Part A (Inpatient hospital) has a $1,132.00 ‘benefit-period deductible for each 60 day benefit period.  Medicare Part B (Outpatient) has an annual deductible of $162.00 and then 20% coinsurance after the deductible is satisfied (Medicare pays 80% you are responsible for 20%).

Medicare …

Original Medicare – The federal health insurance program available to people 65 years of age or older.  Medicare is also available to people with certain disabilities who are under age 65 and also on Medicare.

• Part A is Hospital Insurance.  This pays for inpatient hospital stays, care in a skilled nursing facility and hospice care.
• Part B Medical Insurance (Outpatient).  This helps pay for doctors services, outpatient hospital care, durable medical equipment and some medical services not covered by Medicare Part A.
• Part C – Medicare Advantage Plans (Usually HMO’s and PPO’s).  Only available through private insurers contracted with Medicare.  Medicare Advantage plans are usually County specific, meaning they are available in certain counties.  Premiums can typically range from $0 to $100 per month, although most are in the $50 to $75 range.  A Medicare Advantage plan will take the place of Medicare for your health insurance needs.  Medicare is still in place but merely in the background.
• Part D is Prescription drug coverage.  Like a Medicare Advantage plan, Medicare Part D is available only from private insurance companies.  Joining a Medicare Part D plan is voluntary, and you pay a monthly premium for the coverage.  You must first have Medicare Parts A and B before enrolling in a Part D Rx plan.

Other Companies …

Anthem Blue Cross – Mutual of Omaha – Forethought – Gerber – Family Life

Application …

If you are in a “Guarantee-Issue” period or situation, you do not need to answer any of the “health history” or “prescription” questions on the application.  First you will need to print the appropriate State Anthem application depending on where you live.  Complete the application and fax it to me at: 800-995-9913, I’ll do the rest to make sure you receive your requested effective date and the application process is quick and accurate.  Please feel free to call me and I will walk you through the application.  The application process will usually take around 2 weeks to complete.

Again, please feel free to call anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Forethought Rates in the following States …

Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Minnesota, Mississippi, Nebraska, Nevada, North Carolina, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia.

Forethought Medicare Supplement plans offered in the above states are: Plans A, C, F, G and N.  Plan F is the most comprehensive of all Medicare Supplement plan currently available.  With Plan F, you will see no out of pocket co-pays, co-insurance or deductibles when you visit a Medicare approved doctor or hospital.

Compare Forethought …

If you are new to Medicare or shopping for a Medicare Supplement plan be sure to include Forethought with comparing rates of other companies.  Simply click on your state above to view the most current Forethought Medicare Supplement rates.

Medicare Part D Rx Plans …

You will also need to enroll in a Medicare Part D Rx plan to cover your prescriptions.  Part D plans are not included with your Medicare Supplement plan and need to be purchased separately.  I can show you to top three plans in your county, or you can enter your prescriptions in www.medicare.gov to view them.

Medicare …

• Medicare Part A (Hospital) You are responsible for the $1,132.00 “Benefit Period” deductible.  This is not an annual deductible.  The benefit period is every 60 days, meaning you may be responsible for this Part A deductible several times within a year.
• Medicare Part B (Outpatient) $162.00 annual outpatient deductible.
• Medicare Part B (Outpatient) Co-insurance – Once you have satisfied the Part B deductible of $162, you are responsible for 20% of all outpatient costs which are not covered by Medicare.

Applying is Easy …

Medicare Parts A and B are needed before you can apply for a Medicare Supplement or Part D Rx plan.  Once your Part B coverage is in force you will have 6 months from the Part B start date to enroll in a Medicare Plan.  This 6-month period is called the “Initial Enrollment Period.”  If you are on an Employer Group Health Insurance Plan and are past your Initial Enrollment period, you still granted 63 days from the end of your Group Health plan to enroll guaranteed-issue.

To enroll, I can either email, fax or mail the appropriate state application to you, then simply fax it back to me at; 800-995-9913, and I’ll make sure you receive the requested effective date, and the application process is quick and correct.

Other Medicare Supplement Companies …

Anthem Blue Cross -  Mutual of Omaha -  Gerber -  Family Life -  Blue Shield -  Health Net

Please feel free to contact me anytime with your questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

• Mutual of Omaha Rates

Please remember whichever plan you are researching; Plan F, C, G, N or any of the other available 11 Medicare Supplement plans, the benefits are the same regardless of the company offering the plan.  Plan F for company A has the exact same benefits as Company B or Company C.  Medicare Supplement plans are Federally standardized which helps you when comparing company rates for the different plans.  In other words it’s an apples to apples comparison.

Every Medicare Supplement policy must follow strict federal and state laws designed to protect you, and it must be clearly identified as Medicare Supplement insurance.  Medicare Supplement companies can only sell you a “standardized” Medicare Supplement policy identifies by letters A through N.  Each standardized Medigap policy must offer the same basic benefits, no matter which insurance provides the policy.  Cost is usually the only major difference between Medicare Supplement policies sold by different insurance companies.

You must have both Medicare Parts A and B before you are able to enroll into a Medicare Supplement or Medicare Advantage (PPO & HMO) plan.  For most of us, Medicare Part A is is provided once we turn age 65 or are disabled and offered Medicare under age 65.  Part B of Medicare must be purchased and enrolled in.  You can contact the Social Security administration (800-772-1213), and have them send you the appropriate paperwork so you can enroll into Part B.

If you are still on an employers group health insurance plan, you do not need to enroll in the Part B plan if you choose to stay with the employer plan.  If you know when your group health plan is going to cancel or you choose to retire, you can then contact Social Security for the Part B enrollment forms.  Your Medicare card will show the start dates for both Part A and Part B.  Quite often the two parts will have different start dates.

Prescription Drug Plan …

Medicare Part D Rx plans, are also needed if you have a Mutual of Omaha Medicare Supplement plan.  Generally these plan will cost somewhere between $15.00 to $60.00 per month depending on your County of residence.  Medicare Part D plans are County Specific and not necessarily State specific.  You can contact me and I can email you the top three plan in your county.  www.Medicare.gov is a good place to start comparing Medicare Part D Rx plans.

Anthem Blue Cross  -  Mutual of Omaha  -  Gerber  -  Forethought  -  Family Life

Applying is Easy …

If you are new to Medicare or switching companies, simply print the application or I can email, fax or mail the appropriate application to you (call me and I can walk you through it), then simply fax it back to me at: 800-995-9913, and I’ll do the rest.  I’ll make sure you have the requested effective date, along with a quick and correct application process.

If I can help answer any of your questions, please don’t hesitate to call or email anytime.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

Anthem Blue Cross will accept any new application …

regardless of current or past health status.  Eligible applicants must simply have an existing Medicare Supplement policy with any other carrier to enroll.

• Compare Medicare Supplement Rates

With a wide variety of Georgia Medicare Supplement health plans to choose from, including several new ones that were recently released, it can be difficult to know if you’re getting the best coverage for your unique needs.  Fortunately, help is just a phone call away!  I’m here to help.

• I can explain the differences between specific plan benefits and their associated costs.
• Help you choose a plan that best mirrors your personal health care needs and budget.
• Answer your questions and assist with enrollment when you’re ready.
• Best of all, my services are free!  There’s no pressure, cost or obligation to enroll.

I’ll be happy to advise you about plan differences and benefits, and be your advocate throughout the process, free of charge.

Call me today to learn more: 800-700-1246

Maximize your coverage and minimize your costs.

Learn about the NEW modernized Medicare Supplement plans.

You may get more benefits for a lower cost, and keep the Medicare-approved doctors you know and trust.

• Fill the gaps in Medicare.
• See specialists and hospitals of your choice.
• Seen any Medicare-approved doctors.
• Your coverage is guaranteed for life.

Get the Medicare Supplement health care benefits you really want from a company that has been serving Georgia residents like you for over 70 years.

Your health is too valuable to leave to chance.

Everyone’s needs are different, and there’s a wide range of Medicare health plans to meet them.  But not every plan is right for you.  You don’t want to pay too much for benefits you don’t want, or find out you don’t have the coverage you need, just when you need it most.  Don’t leave your health care or your financial security to change. 

Get answers on Medicare Supplement health plans … (800) 700-1246

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax

When you or your spouse turn 65 and are still working for a company with more than 20 employees, you can deny Medicare until you retire or until your younger spouse turns 65.  If the company you work for has more than 20 employees, Group Health insurance companies are primary and Medicare will be secondary for active employees ages 65 and older and the spouses (ages 65 or older) of active employees.

Federal law takes precedence over State law and private insurance contracts.  When Medicare is the secondary payer, it’s federal, regardless of state law or plan provisions.

Group Health Plans …

An employer cannot offer, subsidize, or be involved in the arrangement of a Medicare supplement policy where the law makes Medicare the secondary payer.  Even if the employer does not contribute to the premium, but merely collects it and forwards it to the appropriate individuals insurance company, the Group Health Plan policy is the primary payer to Medicare.

Medicare, Medicaid, and Schip Extension Act of 2007 …

New reporting requirements for the primary payer to CMS.  Prior to 2007 CMS was often unaware of it’s entitlement to recover of insurance settlements.  Now, failure to report an insurance settlement for a Medicare beneficiary carries a $1,000 per day, per claim penalty.

Companies with under 20 employees …

Medicare is the primary and the employer’s group health plan is secondary for employees with Medicare parts A and B when firms have fewer than 20 employees.  Some companies will actually offer a reduced monthly premiums for the member who also has Medicare as their primary payer.  Be sure to look into the option of enrolling into a Medicare Supplement plan, this may provide better coverage in addition to a lower premium.  If your spouse is under age 65 you may want to stay on the group health plan because the full cost of the COBRA premiums may be a bit shocking.

If you are in one of these two situations your group carrier will notify Medicare in order to coordinate the two plans benefits for you.  Also when Medicare is your secondary payer, your insurance company will submit claims to medicare, this is not your responsibility.

In most cases if a person is eligible for a Medicare Supplement plan, the price and benefit combo can’t be beat.  Medicare Supplement Plan F for example provides virtually 100 percent coverage for Medicare Part A deductibles of $1,132.00 per benefit period, and Medicare Part B $162 annual deductible along with Medicare Part B 20% coinsurance after the deductible is met.  Employers are increasingly suggesting the employee move to either a Medicare Supplement or Medicare Advantage plan once they turn 65 because of the dramatic increase in group premiums for individuals age 65 and over.

• Medicare Supplement Rates

If you have questions regarding Medicare as primary or secondary coverage please feel free to call anytime.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

Arizona, Arkansas, California, Connecticut, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Virginia, Wisconsin, and West Virginia.

• Monthly Rates

United of Omaha offers a 7% premium discount.  (Individuals must reside together for at least one year, or married and have issued policies).  Members who reside together for at least one year, or are married, and one individual owns a United of Omaha Med Supp policy, while the other owns a Mutual of Omaha or United World policy, the discount will only apply to to the person with the United of Omaha policies.  If both own a United of Omaha policy, both will receive the 7% discount to their premium.

• Financial Strength: United of Omaha Life Insurance Company is A+ (Superior) Rated by A.M. Best Company.

Paying a higher premium with a different company won’t get you something extra.  Medicare Supplement plans in most states are Federally standardized.  So a Plan F with company A will be the same as Plan F with company B.  There is no reason to be paying a higher premium simply because you like the name of the company.  There are currently 11 standardized Medicare Supplement plans available in most states.  In states such as Minnesota and Wisconsin the two plans are called “Basic” and “Extended Basic.”  With these two plans you are able to add additional coverages depending on your needs.

The Medicare Supplement Standardized plans are; A, B, C, D, F, High Deductible F, G, K, L, M and N.  These are the available Medicare Supplement plans in most states.  Plan F is the most popular followed by plans C, D and G.

Eligibility:

You must have both Medicare Parts A and B in force to apply for a Medicare Supplement plan.  If you are new to Medicare Part B (within 6 months) or recently off of an employer group health plan, you can enroll into a Medicare Supplement plan guaranteed-issue, regardless of your current or past health status.  If you are NOT new to Medicare or have not recently cancelled your Group Health insurance policy, and you are shopping for a better Medicare Supplement policy or rate, you can still apply anytime of the year.  Simply answer the health questions on the application and a decision will be made in about two weeks.  It’s simple, I will email or mail a comparison of the different Medicare Supplement company rates to you so you can compare the best company and rates in your area.

You will most likely find United of Omaha to have very competitive pricing in most areas they are offering coverage. 

Applying is Easy!

New to Medicare or switching companies?  I’ll send you the appropriate application for your state (call me and I can walk you through it).  When finished simply fax it back to me and I’ll do the rest to make sure you receive your requested start date and make sure the application process is quick and accurate.

Anthem blue Cross – Mutual of Omaha – Gerber – Forethought – Family Life

Please call anytime with your questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246

Below is a list of what they mean:

• A – Retired worker over 65 or disables worker.
• B – Wife (over 65) or retired or disables worker.
• B1 – Husband of retired or disables worker.
• B2 – Wife whose entitlement is dependent on the care of a child.
• B3 – Second wife.
• B4 – Second husband.
• B5 – Second wife (entitlement dependent on a child).
• B6 – Ex-wife (entitlement dependent on a child).
• B7 – Third wife (entitlement dependent on a child).
• B8 – Third wife.
• B9 – Third husband.
• - Child (including a disabled child or a student).  Suffixes assigned by age.
• C1 – Youngest child.
• C2 – Next youngest child.
• D – Widow.
• D1 – Widower.
• D2 – Second widow.
• D3 – Second widower.
• D4 – Widow who remarried after age 60.
• D5 – Widower who remarried after age 62.
• D6 – Surviving ex-wife.
• D7 – Second surviving ex-wife.
• E – Widowed mother.
• E1 – Mother (ex-wife) who survives the retired worker.
• E2 – Second widowed mother.
• E3 – Second mother (ex-wife) who survives the retired worker.
• - Parent category (F)
• F1 – Father.
• F2 – Mother.
• F3 – Stepfather.
• F4 – Stepmother.
• F5 – Adoptive father.
• F6 – Adoptive mother.
• F7 – Second “alleged” father.
• F8 – Second “alleged” mother.
• HA – Disabled claimant (wage earner).
• HB – Aged wife of disabled claimant, age 62 or over.
• - Special beneficiaries whose entitlement depends on the quarters of employment that they have under social security.
• J1, J2, K1, K2 – Entitled to Part A.
• J3, J4, K3, K4 – Not entitled to Part A, may purchase part A.
• M – Uninsured – Premium Health Insurance Benefits (Part A).
• M1 – Uninsured – Qualified for but refuse Health Insurance Benefits (Part A).
• T – Uninsured – Entitled to HIB (Part A) under deemed or renal provisions or fully insured who have elected entitlement only to HIB.
• TA – Government Employment (MQGE).
• TB – MQGE aged spouse.
• W – Disabled widow.
• WA – Railroad retirement.
• W1 – Disabled widower.
• W2 – Second disabled widow.
• W3 – Second disabled widower.
• W6 – Disabled surviving ex-wife.
• W7 – Second disabled surviving ex-wife.

It’s quite a list.  Your Red White and Blue Medicare card will show your Medicare start dates for both Parts A and B, your gender, along with your social security, or the social security number of the person for whom you became eligible for Medicare, followed by one of the above codes.  If your Medicare eligibility is based on someone else’s work history, you will have a completely different number.

There are quite a few choices when looking at Medicare plans.  One of them being, Medicare Supplement plans, which provide the most comprehensive benefits along with the flexibility to see any doctor or hospital who is Medicare approved.

Anthem Blue Cross -  Mutual of Omaha -  Gerber -  Forethought -  Health Net -  Family Life

Please feel free to call anytime with questions.

Need Help or have Questions?

John Conner
www.JohnConner.com
john@johnconner.com
800-700-1246 – phone
800-995-9913 – fax