Medicare Quotes Online Made Easier!
The DeAngelis Agency is a Life and Health Insurance Agency located in Doylestown, Bucks County, PA, that specializes in Medicare Plans for people age 65 and over, and also for those people that qualify for Medicare Disability. For many people, understanding Medicare and the options under this plan can be a daunting task. This is why our experts specialize in educating those in Montgomery County, PA, Lehigh County, PA and the surrounding areas, who are eligible for Medicare with a free home consultation on their options when they do become eligible.
There are basically two options when you qualify for Medicare and Medicare Disability, and there isn’t one option that is best for everyone, but each option has its advantages and disadvantages. Some Medicare plans will fit some people’s needs better than another, but Medicare in and of itself is an excellent health insurance plan in general, and if you qualify for Medicare, you should always choose Medicare over an employer’s plan unless the employer will provide the employee coverage at no cost to you.
Option 1 is to use your original Medicare and purchase a Medicare Supplement or what is commonly referred to as Medigap. Some of the advantages of this option are that you do not need referrals to see specialists. There are no networks, and you can see any doctor or go to any hospital that accepts Medicare. You won’t have to worry about which doctors and hospitals accept your plan. Another advantage is that if you spend some of the time in another area of the country, your plan will work there just as well as it works in your hometown. In addition, you will need to purchase a Medicare Prescription Drug Plan. Medicare Prescription Drug Plans are relatively inexpensive. The medications you are currently using will determine which plan will best suit your needs. You can go to www.medicare.gov and enter your current medications into the Medicare drug plan comparator. This will tell you which plan is going to have the least annual out-of-pocket expense based on your medications, doses, frequency and area you live in. The downside of the Medigap/Medicare Drug Plan premiums is that they can be more than $130 per month based on where you live, and compared to Medicare Advantage this option is much more costly, but gives you much more coverage and freedom of choices. Some of the Medigap, or Medicare supplement choices in Bucks County, Pa, and the surrounding areas, include Plans A, B, C, D, G, K, L, M, and N. (Plan F will no longer be available in 2020.) Our experts can provide you with a free home consultation, which is convenient for those with a mobility-limiting disability, to further educate you about these options.
Option 2 is Medicare Advantage. Medicare Advantage Plans are HMO and PPO plans (Managed Care Plans) for people on Medicare. You will actually not use your original Medicare card under this option. You will not lose your Medicare; you will just no longer use your Medicare card. You will use your Medicare Advantage exclusively for all of your care including prescription drugs. The biggest advantage of this option is that the premiums are very low, and some plans actually have no premiums at all. This is because Medicare is paying the Medicare Advantage company to fully take care of your medical needs, so you can get coverage that covers doctors, hospitals, and prescription drug costs all under one plan for little or no premium. The downside of Medicare Advantage is that you will need referrals to see a specialist, and you can only use providers and hospitals that are in your network; otherwise, you will pay out of pocket. You are covered for emergencies if you are out of the area and require emergency care, but if you spend time in a completely different area, these types of plans will not cover routine care.
We hope you find this information educational and informative, and we hope this information will help make your Medicare decisions easier! Our experts can also provide you with a free home consultation for more information. Medicare Quotes Online. Fast results!
The DeAngelis Agency, located in Doylestown, Bucks County, PA, has provided health insurance and Medicare education with a home consultation for individuals, families, and seniors, and those with a, in Lehigh County, PA, Montgomery County, PA and other local areas, for over 25 years. The experts here will find you the best plan to suit your needs for the least expensive price. Our agency specializes in Medicare Supplement, Medigap, Medicare Disability, Medicare Prescription Drug Plans, Medicare Advantage, Dental Insurance, Group Health Insurance and Individual Health Insurance, and we will be happy to provide quotes for any of these plans. We are authorized to represent companies such as AARP, Mutual of Omaha, American Continental, Health America, Humana, Aetna, Gerber Life Insurance Company, New Era Life, Independence Blue Cross, Highmark Blue Shield and several other top-rated insurance companies.