Advice from a Medicare Adviser

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Advice from a Medicare Adviser

Option 1: Medicare Supplement Plans

Option 1 is to use your original Medicare and purchase a Medicare Supplement or what is commonly referred to as Medigap. The advantages of this health insurance option include:

  • You do not need referrals for any services.
  • 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 of the year in another area of the country, your plan will work there just as well.

The downside of the Medicare Supplement Plan 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. Medicare supplement choices in Bucks County, Pa, and the surrounding areas, include Plans A, B, C, D, G, K, L, M, and N. Our advisers can guide 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

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. Some plans actually have no premiums at all. This is because Medicare is paying the Medicare Advantage company. The Medicare Advantage plan will fully take care of your medical needs. You can get coverage that covers doctors, hospitals, and prescription drug costs all under one plan. Many times for little or no premium.

Some downsides are you will need referrals to see a specialist. You can only use providers and hospitals that are in your network. You’re covered for emergencies if you’re out of the area. 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 adviser and experts can also provide you with a free home consultation for more information. Medicare Quotes Online.

My Medicare Quotes, 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 advisers 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 Prescription Drug Plans, Medicare Advantage.We will be happy to provide quotes for any of these plans.

We are authorized to represent companies like AARP, Aetna, and Humana. The agency represents several other top-rated insurance companies.

My Medicare Quotes 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 Adviser will 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 Original Medicare and Medicare Disability. There isn’t one option that’s best for everyone. Both have their advantages and disadvantages. Certain Medicare Insurance plans will fit some people’s needs better than others. 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.

 

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