Advice from an Expert Medicare Adviser
MyMedicareQuotes is a Life and Health Insurance Agency located in Doylestown, PA that specializes in Medicare Plans for people age 65 and over, and also for those that qualify for Medicare Disability. Understanding Medicare and the options under the plan can be a daunting task for many. This is why our expert Medicare brokers specialize in educating senior citizens in Bucks County, PA, Montgomery County, PA, Northampton County, PA, Lehigh County, PA and the surrounding areas, and others who are eligible for Medicare with a free home consultation.
There are basically two options when you qualify for Medicare and Medicare Disability. There isn’t one option that’s best for everyone because both of them have their advantages and disadvantages. Certain Medicare Insurance plans will fit some people’s needs better than others, but overall Medicare is an excellent health insurance plan in general. If you qualify for it, you should always choose Medicare over your employer’s plan unless the employer will provide the health insurance coverage at no cost to you.
Option 1: Medicare Supplement Plans
- 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.
- 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.
You’ll also need to purchase a Medicare Prescription Drug Plan. Medicare Prescription Drug Plans are relatively inexpensive for senior citizens and other family members. The medications you are currently using will determine which plan can 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 the area you live.
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 it also 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 advisers can provide you with a free home consultation, which is convenient for senior citizens and those with a disability that limits their mobility, to further educate you about these options.
Option 2: Medicare Advantage
Option 2 is Medicare Advantage. Medicare Advantage Plans are HMO and PPO plans (Managed Care Plans) for people on Medicare Insurance. You will actually not use your original Medicare card under this option. This doesn’t mean that you’ll lose your Medicare; you’ll 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’re covered for emergencies if you’re 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.
Medicare Decisions Made Easier
We hope you find this information educational and informative, and we hope this information will help make your Medicare decisions easier! Our Medicare advisors and experts can also provide you with a free home consultation for more information. Medicare Quotes Online. Fast results!
MyMedicareQuotes, located in Doylestown, PA, has provided health insurance, Medicare, and Medigap education for over 25 years. Individuals, families, those with disabilities, and senior citizens in Bucks County, PA, Lehigh County, PA, Montgomery County, PA, Northampton County, PA and other local areas, may also be able to receive a free home consultation.
The expert Medicare brokers and advisors here will find you the best health insurance plan to suit your needs for the least expensive price. Our agency specializes in Medicare Supplement Plans (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 like AARP, Aetna, American Continental, Independence Blue Cross, Mutual of Omaha, New Era Life, HealthAmerica, Humana, Gerber Life Insurance Company, Highmark Blue Shield and several other top-rated insurance companies.
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