Oklahoma Medicare Supplement Plan F G N Rates

Oklahoma is another state which the Aetna, UnitedHealthcare and Mutual of Omaha offer some of the lowest rates available .  When comparing different companies, be sure to include those three with your review.

Low prices are usually very good, although not always the best!

What I mean by that is, when looking for a Medicare Supplement plan, there are three key factors to consider; 1) Premiums, 2) Member Services and 3) Financial rating of the company.

Claim processing is not as important as you may think because whenever you see a doctor or hospital,the claim goes to medicare not the insurance company.  So, you should always try to find out how good a companies customer services is, because when you need answers or have a problem which needs fixing, the last thing you need is a company which does not respond to your requests.

Billing, a reimbursement, an un-authorized cancellation of your policy, replacement ID cards, whatever it may be, you want the company to quickly and correctly take care of the issue!

As an Independent agent, I also look for companies which are not only competitively prices, but also superior Medicare Supplement services departments.  Departments which I can call and get a response quickly and accurately.  So I definitely have my opinions on which companies are; very good, good, and sub-par.  Feel free to call anytime so we can discuss your situation.

Another competitive Oklahoma Medicare Supplement company which you should be aware of is Mutual of Omaha. All Medicare Supplement policies have certain “guaranteed-issue” rules which you may be able to apply to your current situation.

Medicare Part D Rx … You will need to also purchase a Medicare Part D Rx plan to cover your prescriptions.  Prescription plans are not included with Medicare Supplement plans.  Each county has approximately 25 Part D plans to compare.

The results will show the monthly plan premium, how much of a copay is for each of your prescriptions along with what the anticipated out-of-pocket amount will be.  It’s quite informative, if you can navigate the website.  Each plan will cover medications differently, this is why it is a good idea to compare Part D plans every year during the open enrollment periodCall me if you have any questions.

The most popular Medicare Supplement plans in Oklahoma are; Plans F, G and N.  Plan G is identical to Plan F, except G does not pay for your Medicare Part D annual deductible of $185 per year.  So be sure to compare the rates and if Plan F is more than $185 in premium per year, you may want to consider Plan G.

There are several plans and companies to compare, so please feel free to call or email anytime with your questions.  I’m here to help.

Call today, I’ll answer all of your questions right over the phone.  No obligation.

John Conner
916-682-1117
john@johnconner.com

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Anthem Los Angeles County Medicare Supplement

Medicare Supplement Rates:

Anthem   Aetna   Blue Shield   Health Net   UnitedHealthcare

Anthem Los Angeles County Medicare Supplement rates will be different in the different regions of California.  The benefits will all be the same for the chosen plan, because the plans are federally standardized, meaning if an insurance company offers a Medicare Plan F for example, the benefits must follow national guidelines.

NEW “INNOVATIVE” Plan F:

Anthem Includes Vision and Hearing plans at no additional cost.  Be sure to compare the new Anthem Medicare Supplement “Innovative” Plan F.  This new plan is identical to the traditional plan F but it also includes “hearing” and “vision” benefits.  Also the monthly premiums are less then before. Click here for info.

So any company offering a Plan F or any other Medicare Supplement plan will have the same coverage benefits as any other company.  The only difference will be the premium amounts, company rating and customer service.  All three of these can vary substantially from company to company.

Choosing a Medicare Supplement policy can get complicated because all plans have different levels of coverage.  Plan F being the most comprehensive plan available to Los Angeles Medicare Supplement members.  As a resource, this website is meant to be an information site regarding your Medicare Supplement and Health Insurance needs.

Feel free to view the different pages throughout the site.  If you would like someone to speak to, I am always available to answer your questions.

  • 2019 Medicare Advantage plans are here.

Medicare Supplement plans have been standardized since 1992 (plan benefits are the same regardless of the company).  All Los Angeles County Medicare Supplement plans have become “Modernized” effective June 1, 2010.  Companies can only market and sell the new Modernized Medicare Supplement plan effective June 1st.

All current Medigap members will be able to keep their current plans and will be able to transfer to the new plans if they choose to.  All new business began June 1st 2010 were considered Modernized.  Two new plans introduced were M and N.  I’m sure Plan F and G will continue to be the most popular, simply because of their comprehensive coverage.

Remember, regardless of the Medicare Supplement plan you choose:

  • Freedom to choose your own doctor or hospital.
  • No required medical exam.
  • Guaranteed renewable.

Important Information about a Medicare Supplement Policy:

  • You need to have Medicare Part A and Part B.
  • You will need to pay a monthly premium with a Medicare Supplement (Medigap) policy.
  • Your policy cannot be cancelled, even because of health reasons, as long as you pay your premium on time.
  • Each policy covers one person, so you and your spouse will have to have a policy each.

ANTHEM DENTAL (OVER AGE 65)

When seeing an Anthem in-network dentist you will enjoy a 25% to 40% savings right off the top because of the contracted fees, before the insurance coverage pays the next 50% or 80%.

These savings are also available during waiting periods, when you’ve gone over your yearly limit or when you’ve used up your benefits.  Your dental costs will also be reduced even more with the plan insurance coverage.  Along with over 87,000 contracted dental offices nationwide.

Anthem Extras Dental & Vision  –  Brochure   –  Application

Questions?

John Conner
916-682-1117
john@johnconner.com

Information Request:

 

Florida Medicare Supplement Rates UnitedHealthCare

You have many choices when researching Medicare Supplement plans in Florida.  A couple good ones to include are UnitedHealthcare, Gerber and Mutual of Omaha.

UnitedHealthcare – Aetna – Gerber – Mutual of Omaha

Both are very popular, competitively priced and have excellent customer service and their administration is quick and flexible.  I would recommend them to anyone.

  • Call Today .. For Plan Rates in your Area.

If you are looking at other carriers, be sure to call me, I will be happy to give you an idea which ones are “very good” companies and which ones to stay away from.

No Networks to fuss with … see any medicare approved doctor in the U.S.

With a Medicare Supplement plan you are able to see any doctor, specialist and hospital anywhere in the U.S. who accepts Medicare.  You are free to see any of these doctors in any State, simply make an appointment and go, it’s that easy.  If you are travelling in different states, Medicare and your Medicare Supplement travels with you.  If you need to see a doctor away from home you can show them your ID card, regardless of the state you are in.

Medicare Part D Rx plan … You will also need a Medicare Part D Rx plan to help pay or your prescription costs.  There are typically over 30 plans available in each county.  So call me and I can help the right Part D plan for your medication list.

In Florida, Gerber offers Medicare Supplement plans F and G, and Mutual of Omaha offer plans D and F.  Below is a standard Medicare Supplement chart which outlines the basic coverage’s for each plan.

Guarantee Issue … If you are new to Medicare or are already on Medicare but enrolled in an employer group health plan you can enroll into a Medicare Supplement plan .. guaranteed, regardless of your current or previous health status.

If you are currently on a Medicare Supplement plan with a different company, and wish to switch.  You can do this anytime of the year. Simply complete the appropriate enrollment form and submit it for review.  I can help you through all of these steps.

Enroll Today and Start Saving … Call and I’ll send you the appropriate Medicare Supplement enrollment forms.  The enrollment process typically takes a couple weeks.  When complete the company will send you an ID card along with a plan policy.  I will help you through the enrollment process to make sure it is quick and accurate with your desired effective date.

Travel Insurance  Vacation, cruise or living abroad … Medicare does not provide coverage outside the U.S.

No Broker Fees … My advice and services are free of charge, and the plan premium for any of these policies are never higher than going direct to an insurer.

Remember, if you need help finding the right Medicare Part D Rx plan for your medication list, I can help.  I do not sell the Rx plans but I can help you determine which plan, out of the 25 available plans in your county will work best with your current prescriptions.

Enroll year around in a Florida Medicare Supplement.  Get started today.

 John Conner

916-682-1117
john@johnconner.com

Questions & Comments:

Shasta County Medicare Supplement Plans

Medicare Supplement Rates for residents of Shasta County … Also, if you are new to Medicare I want you to be aware, there are “New to Medicare Discounts” offered by Anthem ($20), Blue Shield ($25) and Health Net ($20).  Be sure to compare all three for some of the most competitive rates in Shasta County.

The New to Medicare Discount is available for the first 12 months with all three companies.

Medicare Supplement Rates:

Anthem    Blue Shield   UnitedHealthcare    Mutual of Omaha    Aetna    Health Net 

If you live in Redding, Lake Shasta City, Anderson or any other city or area of Shasta County, you can take advantage of the many Medicare Supplement choices in your town.

From Cottonwood up to Catella, over to Lava Springs and back down to Lassen State park and everything in between, we’ve got you covered.  In fact you are covered anywhere in the U.S.  Want to see a specialist in Scottsdale Arizona, or Atlanta Georgia, maybe even Hartford Connecticut, make the appointment and go. it’s that simple.  No doctor or hospital networks to work around, if the doctor accepts Medicare, you are good to go!

If you have Medicare Parts A and B you may be eligible to enroll in a plan.  There are guaranteed-issue situations with Medicare Supplements, usually when a person is new to Medicare, or coming off of an employer plan.  There are several others that allow a person to enroll guaranteed.  If not you can still apply by answering the health questions on the application.  If you are generally in pretty good health, it shouldn’t be a problem being approved.

Medicare Parts A & B:

Medicare has 2 parts, Medicare Part A which is hospital coverage and has a $1,364 deductible.  The deductible is a 60 day deductible not an annual deductible.  If you are admitted into the hospital and enter again 60 days later you owe a new $1,365 deductible.

Medicare B is for “outpatient” services including medical equipment.  This has an annual deductible of $185 then you are responsible for an additional 20%.  A Medicare Supplement will pay for what Medicare doesn’t cover.  A Medicare Supplement Plan F for example, will cover all charges Medicare doesn’t pay for.

Medicare Part D Rx plans:

You will also need to enroll in a Medicare Part D Rx plan to help pay your prescription costs.  Every year, Part D has an annual open-enrollment from October 15 through December 7.  This is the time when you can compare your current plan for upcoming changes along with what the other companies are doing with their Part D plans.  Contact me and I can help you through this process, to find the best plan for your medication list.  Part D info

Remember you can change companies anytime of the year.  Medicare Supplement plans do not have annual open enrollment periods.  The open-enrollment dates from October through December 7th is for Medicare Advantage plans and have nothing to do with Med Supps.

Some companies are easier to enroll in, so call and we can discuss which company and plan will work best for your needs.

Questions?  Call or email anytime.

John Conner
916-682-1117
john@Johnconner.com

Information Request:

Simi Valley Medigap and Medicare Supplement Plans

Simi Valley along with all of Ventura County enjoy very competitive Medicare Supplement (Medigap) rates from most of the carriers in California. Companies you will want to compare are; Anthem, Blue Shield, Health Net, UnitedHealthcare and Aetna.

CALIFORNIA BIRTHDAY RULE  –  A great rule within the California Medicare Supplement regulations is, if a person has a Medicare Supplement in place, they can switch to a new Medicare Supplement company with the same benefits or less on the month of their birthday.  This is a guaranteed switch, regardless of current or past health status.  You don’t even need to answer any of the health, prescription or doctor visit questions on the new enrollment form.

  • 2019 Medicare Advantage plans are now available.  Click here

DOCTOR CHOICE  –  Can you see any doctor or hospital?  Yes, any doctor, hospital or specialist who accepts Medicare, that’s nearly 96% of all medical professionals nationwide.  There are no networks, if the doctor accepts Medicare, your Medicare and Medicare Supplement will pay for the approved services.

Medicare Part D Rx plans they are a separate policy, Medicare Supplement policies do not include prescription drug services.  Most members will enroll in a Part D plan which best fits their needs and medication list.

Most counties will have 30 Part D plans to choose from.  Each plan treats medications differently and will differ greatly how they help pay for your medications.  Plus each year the Part D companies make adjustments to their plans which affect how well or poorly they pay for different medications.

Take advantage of this annual opportunity to compare plans each open enrollment which runs from October 15 through December 7.  This gives you a great opportunity to check on the changes to your current plan and compare the other plans offered in your county.

NEW TO MEDICARE DISCOUNTS  –  Some companies will offer a discount for the first 12 months once you start Medicare.  $20 to $25 per month discounts are available for the first 12 months you are on medicare, so keep that in mind when you are just starting out.

Medicare Supplement Enrollment Dates … There are several situations which allow you to enroll in a Medicare Supplement policy without going through medical underwriting, which means you do not have to qualify medically.

Initial enrollment period is a 6 month period which starts when you first become Medicare eligible.  This time allows you to enroll in any Medicare Supplement policy available to you for six months.

Another open enrollment is when your employer group health insurance is ending, this gives you two months to enroll in a Medigap.  Another instance is if you have a Medicare Advantage HMO and the policy is non-renewing, or you have moved out of the service ares.  This also give you 2 months to enroll in a Medicare Supplement policy. Here are other guaranteed situations.

Simi Valley … 37 miles northwest of downtown Los Angeles, the City of Simi Valley, with an estimated population of 130,000 is the third largest of Ventura County’s ten cities.  Occupying an area of approximately 42 square miles, it is located in Southeast Ventura County, adjacent to the northwestern perimeter of the San Fernando Valley.  A few companies to consider within Ventura County are; Aetna, Anthem and Mutual of Omaha.

BE CAREFUL:  Medicare provides no coverage outside the U.S.  Travel Medical Insurance

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help with coverage options, enrollment and service.

Please call anytime with questions.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

Blue Shield Medicare Supplement Plans in Sacramento CA

Medicare Supplement plans and rates from Blue Shield in the Sacramento region.

Sacramento County, Placer County, El Dorado County and Yolo offer some of Blue Shield’s most competitive rates.  Residents in these areas should consider Blue Shield when shopping for a Medicare Supplement policy of their own or for a family member.

Blue Shield now offers several Medicare Supplement Insurance Plans: Plan A, Plan C, Plan D, Plan F, Plan G and Plan N. The plans vary in price, and each health plan offers a different set of benefits.

Blue Shield also offers affordable dental and dental+vision PPO for Medicare Supplement Plan members. Explore our dental and dental+vision PPOs, and when you sign up for one of our supplement plans, select the dental or dental+vision plan that meets your needs.

All our Medicare Supplement Plans include the use of plan extras that help you manage your health and well-being.

Plan Extras:

Explore the SilverSneakers benefit and wellness discounts available to Medicare Supplement Plan members with Blue Shield of California.

With Blue Shield of California Medicare Supplement Plans, it’s easy for you to get fit, have fun and make friends using a complimentary SilverSneakers® Fitness Program membership. SilverSneakers members have access to more than 11,000 participating locations across the country, including 24 Hour Fitness, YMCAs and many others. Women-only locations, including Curves®, are also available nationwide.

Convenient locations throughout California can be found by ZIP code at http://www.silversneakers.com/.

At each participating location, on-site staff members are available to help SilverSneakers members meet their personal wellness goals. Locations offer amenities such as exercise equipment and SilverSneakers fitness classes designed specifically for older adults and taught by certified instructors.

SilverSneakers Steps is a personalized fitness program that can fit the lifestyle of members who may not have convenient access to a SilverSneakers location (location is 15 miles or more from their home). Steps members receive a kit with the wellness tools they need to help get fit.

Complement your basic health plan benefits with access to support and with enhanced tools for overall wellness — by phone, online, and in-person. Here are some of the highlights.

  • NurseHelp 24/7SM: Access our 24-hour nurse-line service either by phone or a secure online environment for medical questions and concerns.

Take advantage of the many convenient wellness discounts we offer to help you save money and stay healthy. These discounts are not Medicare Supplement plan benefits, but are available to all Blue Shield of California members, at no additional cost or paperwork.1

  • Routine eye-care discounts: Receive a 20 percent discount on frames and lenses.
  • Hearing-aid discounts: As a Blue Shield member, you are eligible for various discounts on products, supplies, and services from our contracted provider, Connect Hearing (previously known as Newport Audiology).
  • Alternative health services discount program: Blue Shield members are also eligible for 25 percent savings on acupuncture, chiropractic, or massage therapy when you see one of our contracted wellness providers. The Alternative Care Discount Program1 is offered by American Specialty Health Systems, Inc., and American Specialty Health Networks. American Specialty Health Networks has a broad network of screened, credentialed, complementary healthcare providers who offer comprehensive, convenient, and flexible complementary healthcare services.
  • Alternative Care Discount Program – American Specialty Health Systems, Inc., and American Specialty Health Networks
  • Discount Vision Program – MES Vision
  • LASIK and PRK – Laser Eye Care of California LLC
  • Connect Hearing, Inc. – Discount may not be available in all areas. Currently the hearing-aid discount, offered through Connect Hearing, Inc. is available in the following counties: Alameda, Contra Costa, Imperial, Los Angeles, Orange, Placer, Riverside, Sacramento, San Bernardino, San Diego, San Luis Obispo, San Mateo, Santa Clara, and Sonoma.

The Blue Shield Plan F and Plan N are the two most popular plans for Sacramento residents.  F, if you want 100% coverage for almost all Medicare approved services.  Plan F is our most popular plan and includes coverage for Medicare Part A and B deductibles, copayments and coinsurance, plus skilled nursing facility care, 100 percent coverage of Medicare Part B excess charges and more.

Plan N if you are looking for a little price break along with a plan that has an annual deductible of $166 and a $20 copay for all outpatient visits.  With plan N you will also need to become aware of “Excess Charges” and how they work.

$300 Savings:

NEW TO MEDICARE DISCOUNT  –  You can save $25 each month on your Medicare Supplement Plan rates if you’re new to Medicare Part B. Blue Shield of California offers a $25 savings1 each month for 12 months on your Medicare Supplement Plan rates.

To qualify, you must be age 65 or older, and Blue Shield must receive your application within six (6) months of the date you first enrolled for benefits under Medicare Part B. Savings will be effective for the first twelve 12 months of your plan dues.

If you would like to enroll in a Blue Shield Medicare Supplement plan, please contact me and I’ll make sure your enrollment is accurate and with the effective date you are requesting.

Dental HMO – $21 per month

  • Implants are covered.
  • Unlimited annual benefit maximum
  • All Ages.
  • Rates:  Click Here 

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help you with enrollment and service.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

Anthem Medicare Supplement Plans – Roseville & Rocklin CA

Anthem Medicare Supplement plan in Roseville and Rocklin CA typically have the same rates as other Northern California cities like Sacramento, Elk Grove and even the Bay Area Counties. Even though both Roseville and Rocklin are in Placer County, most Medicare Supplement companies will group them together with most of the other cities in Placer, El Dorado and Sacramento Counties.

Who are the hot Medicare Supplement companies in Roseville, Rocklin and all of Placer County?  You will want to compare Anthem, Blue Shield, Health Net, Aetna, and UnitedHealthcare.  Age groups will differ in premium and also your choice of Plan.  For example, Plan F will be priced higher than Plan G or N.

Both Anthem and Health Net are both offering Innovative Plan F which includes Vision and Hearing coverage at no extra cost.

NEW TO MEDICARE DISCOUNT  –  If you are new to Medicare, both Anthem and Blue Shield of California offer a “New to Medicare Discount.” which is $20 per month.  Anthem’s discount is also $20 per month and Blue Shield’s is $25.  All three offer the discount for the first 12 months you are on Medicare.  After the twelve months the discount is removed. But it is still a very nice savings, and should be considered if you are new to Medicare.

  • 2019 Anthem Medicare Advantage plans are now available for viewing.

MEDICARE ADVANTAGE  –  If you are looking for a Medicare Advantage Plan and you reside in Roseville, or any where in Placer County, there are currently 7 HMO plans available.  There are no longer any Medicare Advantage PPO’s in Placer County.  If you desire freedom of choice with your doctors and hospitals then a Medicare Supplement will serve you much better because of the access to care with a Medigap plan.  See the plans.

MEDICARE PART D RX  –  Don’t forget about the Medicare Part D Rx plan to help with the cost of your prescriptions.  There are 26 Part D plans currently available for Roseville and Ricklin residents in Placer County.  If you need assistance with finding the best plan for your list of meds, simply contact me and I can enter your drug list for you, and give you the results.  I do not contract with any of the Part D Rx companies, but I help my clients with the comparisons when they are new to Medicare and also each open enrollment.  I’m happy to help, or click here.

OPEN ENROLLMENT  –  Part D Rx has an annual open enrollment every year from October 15 through December 7.  This gives you an opportunity to view any changes to your own plan for the upcoming year, and also to compare other company plans.  I highly recommend everyone with a Part D plan to at least do a quick annual comparison.  If you need help with this please contact me.

ACUTE CARE  –  if you wish to seek care in other areas or be seen by certain doctors outside of Roseville, Rocklin or even Placer County, or for that matter other parts of California or other states, you can!!  With a Medicare Supplement you are able to see any doctor or hospital who accepts Medicare, that’s nearly 96% of all providers.  If you wish to have surgery, treatment or other services at a particular hospital.  You can receive the services at any hospital nationwide, as long as they accept Medicare.

Access to care is one of the primary reasons a person will choose a Medicare Supplement policy over a Medicare Advantage.  Freedom of choice along with excellent coverage.  Medicare Supplement policies are hard to beat.

Dental HMO – $21 per month

  • Implants are covered.
  • Unlimited annual benefit maximum
  • All Ages.
  • Rates:  Click Here 

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help you with enrollment and service.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

California Medicare Supplement – Anthem Blue Cross

Anthem Blue Cross Medicare SupplementAnthem Blue Cross offers Medicare Supplement plans; F, Innovative F, G and N.  All offering a different level of coverage and benefits.

POPULAR PLANS:  F, G, N

  • Plan F = 100% coverage.
  • Plan G = $185 deductible, then 100% coverage.
  • Plan N = $185 deductible, then $20 copay for outpatient visits.
  • All three provide 100% coverage for Inpatient Hospital services.

DISCOUNT – Are you new to Medicare?  Save $240 – Anthem offers a “New to Medicare” discount of $20 per month off your Medicare Supplement plan F premium.  As long as you are within 6 months of your Medicare Part B effective date, the discount is for the first 12 months of coverage and will end at the policy’s one year anniversary.

The Anthem Innovative plans include Vision and Hearing coverage at no additional cost:

HEARING BENEFIT (INCLUDED):

  • 1 routine hearing exam every 12 months.
  • Fitting evaluation for a hearing aid(s).
  • $750 allowance toward a hearing device(s) every year.

VISION BENEFIT (INCLUDED):

  • $25 Exam copay – once every year.
  • $25 lens copay – once every year.
  • $100 allowance for frames – every 24 months.
  • $100 allowance for contact lenses – every 12 months, in lieu of eyeglass lenses.

Anthem’s Medicare Part D Rx plans are also very competitive with the other Part D companies.  You can view Medicare Part D Rx info here.

Anthem Medicare Advantage (HMO & PPO):

Anthem MediBlue Medicare Advantage HMO & PPO … Open Enrollment for Medicare Advantage & Part D Rx plans is from October 15 through December 7. This is a great time to find the best 2019 Part D Rx plan for your medication list. If you are new to Medicare you have 3 months to enroll in a Medicare Advantage, or if coming off of an employer health insurance plan, you have 60 days to enroll.  Call me if you need any little help finding the right plan.

Example benefits for Plan F:

  • Medicare Part A deductible ($1,364 each 60 day benefit period).
  • Medicare Part B deductible ($185 per year).
  • Medicare Part B co-insurance (20% after deductible).
  • Coverage for 365 more hospital care days after the Medicare benefits ends.
  • 3 pints of blood per year.
  • Skilled Nursing Facility care.
  • Covers 100% of Medicare Part B excess charges.
  • Home recovery care when Medicare approves a home care treatment plan.

SILVER SNEAKERS FITNESS PROGRAM:

silversneakersAnthem includes Silver Sneakers fitness program with all of their Medicare Supplement and Medicare Advantage plans.  SilverSneakers is the premier fitness program provided at no cost with all Anthem Medicare Supplement policies.  Millions of members, thousands of gyms.  Classes designed for all abilities. And our community is active, welcoming and fun.

Applying is easy, simply contact me for an application, and I’ll help with your application process.

Questions?  Call or email anytime.

John Conner
916-682-1117
john@johnconner.com

Information Request:

How does an Office Visit Copay work?

Office visit copays work differently depending on the type of plan you have.  An office visit copay works differently for a Medicare PPO plan than a Medicare HMO plan.  And the Medicare Supplement Plan N copay is also different then the previous two plans.

Medicare Supplement Plan N … Plan N has a copay of $20 per visit.  Plan N also has an annual outpatient deductible of $183 which first needs to be paid before the copays commence.  Once the copays start, you are responsible for the $20 copay for each Dr visit, lab, x-ray, outpatient surgery, physical therapy, etc.  The Plan N hospital benefit is 100% coverage.

HMO … Typically when you receive services from your HMO primary care physician or a specialist, whatever services or procedures and costs you receive during the visit, all are included in your Plan co-pay.  For example; you schedule a visit because your knee hurts from your day of hiking.  The doctor who sees you discusses your knee issue, examines your knee, has you walk down the hall for an X-Ray, then gives you a cortisone shot.  If your HMO plan has a $30 copay, that is all you would pay for this days visit.

PPO … PPO’s will work a bit differently than a HMO plan.  With a PPO when you see the doctor for the same situation; your copay would pay for the consultation.  The X-Ray costs and cortisone shot fee would all go towards your annual deductible.  PPO copays typically only pay for the consultation.  If a visit is considered “preventive care,” an annual physical, screenings, colonoscopy, etc. If the visit is “medically necessary” the doctor would not consider it “preventive,” and the insurance company would charge you accordingly, which would most likely go towards your annual deductible.

Preventive Care … If your visit is for an annual physical.  Your doctor usually charges $150 for an appointment, but in this case the charge is covered at 100%, no copays or out of pocket costs.  During the physical your doctor says you should get your cholesterol checked from the lab withing the same building, this is still considered Preventive and is covered by insurance.

Some PPO’s (Preferred Provider Organization) offer plans with unlimited office visit co-pays, other plans have a limited number of co-pays per year, such as three or five, after they are used you simple pay the cost of the visit.  And others offer no office visit co-pays.

Value for your money.  There are so many plans and companies available today, I understand how comparing plans can be a chore.  I’m here to help.  Within a few minutes I will be able to narrow down the list of plans to just a few for your review.  Making the comparison process much more manageable.  So feel free to call anytime with your question or comments.  I look forward to hearing from you.

Have questions or would like more details, please contact me anytime.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

Mutual of Omaha Medicare Supplement South Carolina

South Carolina residents looking for a new Medicare Supplement plan have plenty of choices to choose from.  Whether you live in Rock Hill, Florence, Charleston or Columbia, Mutual of Omaha should be on your list of companies to compare.  You have plenty of great Medicare Supplement companies with great rates such as; Mutual of Omaha (Omaha Insurance company), Gerber and Aetna.

Please remember whichever plan you are researching; Plan F, G and 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.

Medicare Part D Rx plans, are also needed if you have a Mutual of Omaha Medicare Supplement plan.  Typically the Part D plans will cost somewhere between $15.00 to $50.00 per month depending on your current medications.

Feel free to email your current medications with the dosage and frequency and I will enter them into the Medicare website and email you the results.  The results will show the top three plans which provide the best coverage for the lowest cost for your prescription list.  Remember, my services are free for you!

UnitedHealthcare – Anthem Blue Cross – Mutual of Omaha – Gerber

Dental HMO – $21 per month

  • Implants are covered with the Blue Shield Dental HMO.
  • Unlimited annual benefit maximum
  • All Ages.
  • Rates:  Click Here 

No Cost Help … there is no charge for my services.  The insurance companies provide a fee for me to help you with enrollment and service.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

John Conner
916-682-1117
john@johnconner.com

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