MedicareBob

MedicareBob

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This is MedicareBob, a Podcast created to empower Seniors with Medicare knowledge.


Rate Watch Wednesday: Palm Harbor, Florida 34683
Jul 3 • 4 min
This Rate Watch Wednesday is focused on the Medicare Supplement High Deductible Plan F for a male and female, ages 65 and 70, in Palm Harbor, Florida (zip code 34683). Medicare Supplement High Deductible Plan F is the best value for a Medicare Supplement…
Medigap Monday: When Can I Shop My Medicare Supplement Plan?
Jul 1 • 1 min
We are half-way through 2019 and most people have received or will receive their Notice of Increase from their Medicare Supplement carriers. It’s a very common misconception that you can only change your Medicare Supplement once a year starting in…
FAQ Friday: Do I Need A Cancer Policy?
Jun 28 • 4 min
Cancer Policies are fairly affordable plans (with premiums around $30 to $60 a month). If you have a Cancer Policy and are diagnosed with Cancer, the insurance carrier will send you a lump sum amount to use towards your treatment. That amount depends on…
Rate Watch Wednesday: Prescott, Arizona 86313
Jun 26 • 4 min
This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 70, in Prescott, Arizona (zip code 86313). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the…
Rate Watch Wednesday: Toledo, Ohio 43604
Jun 5 • 6 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G for a male and female, ages 65 through 70, in Toledo, Ohio (zip code 43604). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: What is Medicare Supplement Plan D?
May 31 • 1 min
Medicare Supplement Plan D, is a true Medicare Supplement that works with Medicare to fill in the gaps to Medicare Parts A and B and pay the bills that Medicare does not pay. It should not be confused with Medicare PART D, which are prescription plans…
FAQ Friday: What is Medicare Part C
May 31 • 0 min
Medicare Part C is also known as a Medicare Advantage Plan, and it is not a Medicare Supplement Plan. It is a private alternative to Medicare. If you have a Medicare Advantage Plan, your Medicare Part B premium will go to the carrier that you have your…
Rate Watch Wednesday: Cincinnati, Ohio 45207
May 29 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G for a male and female, ages 65 through 70, in Cincinnati, Ohio (zip code 45207). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
FAQ Friday: Benefits of a Hospital Indemnity Plan and a Cancer Policy
May 24 • 5 min
If you have a Medicare Advantage Plan and are unable to purchase a Medicare Supplement because of health issues or maybe it’s not the time of year you are able to switch, there are a couple, separate plans that you can purchase that will help offset the…
Rate Watch Wednesday: Cleveland, Ohio 44105
May 22 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G for a male and female, ages 65 through 70, in Cleveland, Ohio (zip code 44105). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Plan M The Plan Of The Future
May 21 • 7 min
The Medicare Supplement Plan M is a plan that Medicare insurance agents rarely about, however I feel that it may be the plan of the future. There are many talks on how the Medicare Supplement Plan N is the plan of the future with all the MACRA changes…
FAQ Friday: Silver Script Update
May 17 • 3 min
SilverScript has brought it to our attention that there has been an issue with Medicare Part D’s billing. For those you that do not know, SilverScript is a Medicare Part D drug plan which is through CVS Caremark. They have brought it to our attention that…
Rate Watch Wednesday: Greenville County, South Carolina 29601
May 9 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G for a male and female, ages 65 through 75, in Greenville County, South Carolina (zip code 29601). As I have said before, Medicare Supplement plans are all Federally regulated by the…
Medigap Monday: What’s Up With Policy Fees
May 6 • 1 min
Application fees are simply a specified amount of money required to even enter the underwriting process. Most insurance carriers charge an application fee, not all of them, but most of them do. They run anywhere from $7.00 to $25.00. You would only have…
FAQ Friday: Do I Have To Medically Qualify For Medicare
May 3 • 2 min
You do not have to medically qualify for Original Medicare. Everyone who is 65 or older is entitled to Medicare Parts A and B without having to medically qualify. If you are under 65 and have been on disability for two years or more, you are also eligible…
Rate Watch Wednesday: Richland County, South Carolina 29044
May 1 • 3 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G for a female, ages 65 through 71, in Richland County, South Carolina (zip code 29044). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There…
Medigap Monday: What is a Zero Premium Supplement Plan?
Apr 29 • 4 min
There is no such thing as a “zero premium” Medicare Supplement plan. If you see any plans advertised as being “zero premium” those are not Medicare Supplements but Medicare Advantage plans, and they are not “zero premium”. The way a Medicare Advantage…
FAQ Friday: What is Medigap Insurance?
Apr 26 • 4 min
Medigap Insurance, also known as Medicare Supplement, is an insurance plan that can assist you in paying for some of costs that Medicare Parts A and B doesn’t pay. Original Medicare doesn’t cover all of your medical costs, it only pays 80%. You are…
Rate Watch Wednesday: Charleston County, South Carolina 29426
Apr 24 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 through 75 in Charleston, South Carolina (zip code 29426). As I have said before, Medicare Supplement plans are all Federally regulated by the government.…
FAQ Friday: Does Medicare Cover Cardiovascular Screenings
Apr 19 • 1 min
Medicare Part B (Medical Insurance) covers cardiovascular screening blood tests, such as tests for cholesterol, lipid, and triglyceride levels, once every 5 years. You pay nothing for the tests if your doctor or other qualified health care provider…
Rate Watch Wednesday: Spartanburg, South Carolina 29301
Apr 17 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 through 70 in Spartanburg, South Carolina (zip code 29301). As I have said before, Medicare Supplement plans are all Federally regulated by the government.…
Medigap Monday: Does Medicare Supplement Insurance Cover Dental
Apr 8 • 1 min
Medicare does not cover Dental therefore, none of the Medicare Supplement Plans cover them either. However, the Medicare Supplement carriers (such as Mutual of Omaha, Aetna, Cigna, Humana, Central United Life etc.) have heard the cry for dental care and…
FAQ Friday: How to get Medicare while under 65 by Qualifying for Disability
Mar 29 • 2 min
In order to qualify for Medicare while on disability, you must be on disability for at least two years before you can qualify. Once you have been on disability for two years, you will be automatically enrolled in Medicare Part A and B, even if you’re…
Rate Watch Wednesday: Georgetown, South Carolina 29442
Mar 27 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 through 75 in Georgetown, South Carolina (zip code 29442). As I have said before, Medicare Supplement plans are all Federally regulated by the government.…
Medigap Monday: Medicare Supplement Plan N, How it Really Works
Mar 25 • 12 min
Medicare Supplement Plan N is also called Medigap Plan N. Medicare Supplement Plan N is a great option for people that want the benefits of having a Medicare Supplement Plan, however want to keep a lower monthly premium. Since the Medicare Supplement Plan…
FAQ Friday: Part D Attestation of Creditable Coverage
Mar 22 • 4 min
If you defer your Medicare and start it after you turn 65, for example you were still working and had coverage through your employer or your spouse was still working and you had coverage through their employer, to avoid any future penalty you must prove…
Rate Watch Wednesday: Whitmire, South Carolina 29178
Mar 20 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 through 75 in Whitmire, South Carolina (zip code 29178). As I have said before, Medicare Supplement plans are all Federally regulated by the government.…
FAQ Friday: Does Medicare Cover Transportation?
Mar 15 • 3 min
Medicare Part A and B does NOT cover transportation. Some Medicare Advantage Plans will cover a certain number of rides per year to take you to the doctor, hospital or other medical facilities but that is an additional benefit. There is also a very…
Rate Watch Wednesday: Great Falls, South Carolina 29055
Mar 13 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 through 75 in Great Falls, South Carolina (zip code 29055). As I have said before, Medicare Supplement plans are all Federally regulated by the government.…
Medigap Monday: Does Medicare Cover Acupuncture?
Mar 11 • 1 min
Medicare does not cover acupuncture, therefore none of the Medicare Supplements will cover acupuncture. Medicare is the decision maker in Medicare Supplement coverage because Medicare is the primary coverage between the two. If Medicare doesn’t cover the…
FAQ Friday: Dental, Vision and Hearing Plans
Mar 8 • 11 min
It is a well-known fact that it is almost impossible to find a decent dental, vision or hearing (DVH) plan after the age of 65 and it is imperative to have this type of coverage, especially after the age of 65. These are some statistics from the National…
Rate Watch Wednesday: Clarendon County, South Carolina 29001
Mar 6 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Clarendon County, South Carolina (zip code 29001). As I have said before, Medicare Supplement plans are all Federally regulated by the government.…
Rate Watch Wednesday: Ashburn, Virginia 20147
Mar 1 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Ashburn, Virginia (zip code 20147). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Rate Watch Wednesday: Woodbridge, Virginia 22193
Feb 20 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Woodbridge, Virginia (zip code 22193). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Medical Qualifications for Diabetes with Most Carriers
Feb 18 • 4 min
In order to switch a Medicare Supplement after the age of 65 you must medically qualify. You do not have to be as healthy as a 30-year-old but most carriers want at least a two-year stability of your health. In this post, we are going to go over the…
FAQ Friday: Extra Help with Part D
Feb 15 • 5 min
First, I would like to start with our office cannot make the determination if you qualify for extra help. We can answer any questions you have but when it comes to extra help, your best resource is going to be Social Security. If you have limited income…
Rate Watch Wednesday: Virginia Beach, VA 23464
Feb 13 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Virginia Beach, Virginia (zip code 23464). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There…
Medigap Monday: Two Myths about Medicare Supplemental Insurance
Feb 11 • 1 min
Two very common myths regarding Medicare Supplement Plans are as follows: 1. I can only change my Medicare Supplement plan during the Annual Election Period. This isn’t true. You are allowed to shop for your Medicare Supplement Plan all year long. The…
Medigap Monday: When Can I Upgrade From A Medicare Advantage Plan To A Medicare Supplement Plan
Feb 4 • 2 min
There are two time periods of the year that you can upgrade from a Medicare Advantage Plan to a Medicare Supplement Plan. The first is the one we’re all familiar with, the Annual Election Period which is every year between October 15th and December 7th.…
FAQ Friday: The Medicare “What’s Covered” App
Feb 1 • 2 min
Medicare has released a new app for your phone or iPad called the “What’s Covered” app. You can use this Federal app for the following: · Get answers to your Medicare coverage questions · See how much you’ll pay · Learn about the covered items and…
Medigap Monday: When Can I Shop My Medicare Supplement Plan?
Jan 28 • 1 min
It’s the beginning of the year and most people are starting to receive their Notice of Increase from their Medicare Supplement carriers. It’s a very common misunderstanding that you can only change your Medicare Supplement once a year starting in October.…
FAQ Friday: Does Medicare Cover Long Term Care?
Jan 25 • 1 min
Medicare was not designed to cover long term care (nursing homes) insurance; therefore, it does not cover long term care. It does cover care in a skilled nursing facility. These are the differences between the two types of care: · Long-term care is a…
Rate Watch Wednesday: Dallas, Texas 75217
Jan 23 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female between the ages of 65 and 77 in Dallas, Texas (zip code 75217). As I have said before, Medicare Supplement plans are all Federally regulated by the government.…
Medigap Monday: Do you need a referral with a Medicare Supplement?
Jan 21 • 0 min
If you have Original Medicare and a Medicare Supplement, you do not need a referral to see a specialist. You can go to any doctor or any hospital as long as they accept Original Medicare. It’s as easy as calling and making the appointment.
FAQ Friday: The Downsides of Medicare Advantage Plans
Jan 18 • 10 min
I want to start this post by saying that I do not think Medicare Advantage plans (Medicare Part C) are bad. There are many Medicare Advantage plans out there that are very good plans and it really depends on the person’s situation and their needs on…
Rate Watch Wednesday: Brownsville, Texas 77084
Jan 16 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in Brownsville, Texas (zip code 78521). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Hospital costs with Plan G and Medicare
Jan 14 • 1 min
As we all know, going to the hospital can be a very pricey visit. If you are hospitalized, your Medicare Part A deductible is $1,364 for 2019. That deductible is a per occurrence deductible so you would normally have to pay that every time you are…
FAQ Friday: How does Someone Sign up for Medicare in 2019?
Jan 11 • 2 min
How you sign up for Medicare depends primarily on if you’re drawing Social Security. If you are currently drawing Social Security and you’re turning 65, you’ll automatically be enrolled in Medicare Parts A and B. You’ll receive your Medicare red, white…
Rate Watch Wednesday: Houston, Texas 77084
Jan 9 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Houston, Texas (zip code 77084). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Open Enrollment is the only time Automatic Approval
Dec 21, 2018 • 1 min
The only time you are automatically approved for a Medicare Supplement is when you turn 65 years old or if you delayed your Part B enrollment and started your Part B later on in life. If you are wanting to upgrade from a Medicare Advantage plan to a…
FAQ Friday: Shop your Medigap Plan Anytime
Dec 21, 2018 • 1 min
Simple fact for anyone that has a Medicare Supplement plan: you can shop your Medicare Supplement plan all year long. The December 7th deadline only apples to anyone that has a Medicare Advantage plan or switching your Part D drug plans. If you are…
Rate Watch Wednesday: Houston, Texas 77084
Dec 19, 2018 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Houston, Texas (zip code 77084). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
FAQ Friday: Medicare New Open Enrollment
Dec 14, 2018 • 3 min
Starting in January 2019, Medicare is going to have a new open enrollment period that runs from January 1st to March 31st. Medicare offered this open enrollment a few years ago but decided to end it and came out with MADP period which is the Medicare…
FAQ Friday: Why does my Social Security show the Incorrect Part D Premium Deduction?
Nov 30, 2018 • 1 min
Most people pay their Part D drug plan premium out of their Social Security check. Don’t be alarmed if you change your Part D drug plan this Annual Enrollment Period and you receive your Social Security statement with it showing the drug plan you had for…
Rate Watch Wednesday: El Paso, TX 79936
Nov 28, 2018 • 6 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in El Paso, Texas (zip code 79936). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
FAQ Friday: Does Medicare Part D Cover Diabetic Supplies?
Nov 16, 2018 • 1 min
A common mistake that many people make is when they go to the Pharmacy to pick up their diabetic medications and use their Medicare Part D card, they also try to use the same card to pick up their diabetic supplies. Unfortunately, they then find out that…
Medigap Monday: How the Medicare Part B Annual Deductible Resets
Nov 12, 2018 • 1 min
The Medicare Supplement Plan G pays all the benefits that Medicare Part A and B would normally charge you, except for the Medicare Part B annual deductible, which for 2019 is $185. One question that we get asked quite often is, “When does this deductible…
FAQ Friday: Medically Qualifying to Change Plans
Nov 9, 2018 • 1 min
If you are wanting to upgrade from a Medicare Advantage Plan to a Medicare Supplement or if you are switching from one Medicare Supplement Plan to another Medicare Supplement Plan, you will have to medically qualify to change. In most states, if you have…
Wednesday Rate Watch: Gainesville, GA 30501
Nov 7, 2018 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Gainesville, Georgia (zip code 30501). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: What Does AEP Mean for Everyone?
Nov 5, 2018 • 1 min
October is here and with that comes the Annual Election Period. In this video I will discuss what the 2019 Annual Election Period means for you and whatever coverage you have. If you have a Medicare Supplement Plan (Medigap), you can shop now to save…
FAQ Friday: Medicare Advantage Plan or Medicare Supplement Plan
Nov 2, 2018 • 2 min
During this Annual Election Period, there is one very important thing to know before you make your final choice on whether or not to purchase a Medicare Advantage Plan or a Medicare Supplement Plan (Medigap). If you decide to choose any of the Medicare…
Wednesday Rate Watch: Santa Fe, New Mexico 87501
Oct 31, 2018 • 4 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Santa Fe, New Mexico (zip code 87501). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Why Medicare Carriers Prefer the Bank Draft Option
Oct 29, 2018 • 4 min
There are three main reasons why paying your Medicare Supplement premium by direct bank draft is the preferred way to pay your premium: 1. It saves money. There has to be employees to process the mail and checks that carrier receive in the mail. This…
FAQ Friday: What the 2019 Annual Election Period means for you
Oct 26, 2018 • 2 min
October is here and with that comes the Annual Election Period. In this video I will discuss what the 2019 Annual Election Period means for you and whatever coverage you have. • If you have a Medicare Supplement Plan (Medigap), you can shop now to save…
Rate Watch Wednesday: Ann Arbor, Michigan 48103
Oct 24, 2018 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Ann Arbor, Michigan (zip code 48103). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: What is the Only Difference Between Plan F and Plan G in 2019
Oct 22, 2018 • 2 min
The Medicare Supplement Plan F has been the most popular Medicare Supplement plan over the last 25-30 years. I call it the “Full Coverage” plan because you can go to any doctor or any hospital in the country that accepts Original Medicare and as long as…
FAQ Friday: Open Enrollment Tip
Oct 19, 2018 • 4 min
A helpful tip during the Annual Enrollment period. This tip will help avoid confusion between you and your doctor’s office: As you’re shopping for a Medicare plan, it is very common that we ask our doctors which plans they accept. If you decide to go with…
Rate Watch Wednesday: Lafayette, LA 70501
Oct 17, 2018 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Lafayette, Louisiana (zip code 70501). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: 2019 Medicare Parts A and B Premiums and Deductibles
Oct 15, 2018 • 2 min
The increases for Medicare premiums and deductibles have been announced. Great news! The increases are very minimal. • Medicare Part A premium: For most people this premium comes out of their social security check every month. In 2018, the premium was…
FAQ Friday: Why we Recommend a Medicare Supplement Plan
Oct 12, 2018 • 5 min
We recommend Medicare Supplements (Medigap) to 95% of our clients and I will explain why. In order to better understand why, I will break down the two different types of plans that someone on Medicare can choose. The two options are a Medicare Advantage…
Rate Watch Wednesday: Newark, New Jersey 07101
Oct 10, 2018 • 6 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in Newark, New Jersey (zip code 07101). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: 3 Most Comprehensive Medicare Supplement Plans for 2019
Oct 8, 2018 • 4 min
Three of the most popular and most comprehensive Medicare Supplements for 2019 are Plan F, Plan G and Plan N. These plans are explained in the list below: • Plan F “Full Coverage” – The name says it all. The Medicare Supplement Plan F covers the 20% that…
2019 Part D Drug Plan Updates
Oct 5, 2018 • 6 min
The 2019 Part D drug plans have been released and there have been a few changes made. In order to better understand these changes, you need to understand how drug plans work. Most drug plans have 4 levels of coverage: Deductible Level, Copay Level,…
Rate Watch Wednesday: Mobile, Alabama 36525
Oct 3, 2018 • 7 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in Mobile, Alabama (zip code 36525). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: How is the Plan G Deductible Paid?
Sep 24, 2018 • 4 min
When you have a Medicare Supplement Plan G, you pay the monthly premium and the only out-of-pocket expense you have is Medicare’s Part B annual deductible ($183.00 for 2018). Once you’ve met this deductible, the Medicare Supplement Plan G pays all of your…
Episode 82
Sep 21, 2018 • 2 min
Medicare Part C is also known as a Medicare Advantage Plan, which is not a Medicare Supplement. It is a private alternative to Medicare. If you have a Medicare Advantage Plan, your Medicare Part B premium will go to the carrier that you have your plan…
Rate Watch Wednesday: Birmingham, AL 35005
Sep 19, 2018 • 7 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in Birmingham, Alabama (zip code 35005). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Plan G is a Greater Value than Plan F
Sep 17, 2018 • 6 min
There are three main reasons why the Medicare Supplement Plan G is a greater value than the Medicare Supplement Plan F. 1. Simple math. Plan F costs $300-$800 more per year in premium than Plan G, so why pay plan F more when the only difference in…
FAQ Friday: How to Enroll in Medicare Part B and it’s Coverage
Sep 14, 2018 • 4 min
Enrolling your Medicare Part B depends on if you’re drawing your social security benefit. If you’re drawing your social security benefit you’ll automatically be enrolled in Medicare Part B. If you’re not drawing your social security benefit then you can…
Rate Watch Wednesday: Columbus, Georgia 31801
Sep 12, 2018 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Columbus, Georgia (zip code 31801). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: New Medicare Enrollment Period
Sep 10, 2018 • 2 min
Starting in January 2019, Medicare is going to have a new open enrollment period that runs from January 1st to March 31st. Medicare offered this open enrollment a few years ago but decided to end it and came out with MADP period which is the Medicare…
FAQ Friday: How to enroll in Medicare Part A and what it covers
Sep 7, 2018 • 9 min
Enrolling in Medicare Part A depends on if you’re drawing your social security income. If you are drawing your social security income then you will be automatically enrolled in Medicare Part A. If you are not drawing your social security income; you can…
Rate Watch Wednesday: Atlanta, Georgia 30305
Sep 6, 2018 • 5 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Atlanta, Georgia (zip code 30305). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Rate Watch Wednesday: Tucson, Arizona 85704
Aug 29, 2018 • 6 min
This Rate Watch Wednesday is focused on Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in Tucson, Arizona (zip code 85704). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Does Plan G Cover Part B Excess Charges?
Aug 27, 2018 • 1 min
One question that has been asked regularly is “What does the Medicare Supplement Plan G cover?” The Medicare Supplement Plan G offers almost exactly the same coverage as the Medicare Supplement Plan F. One of these coverages is Medicare Part B Excess…
FAQ Friday: What is the Medicare Part A hospital deductible?
Aug 24, 2018 • 2 min
The Medicare Part A deductible is a hospital deductible. Every time you go to the hospital, Medicare will charge $1,340 if you only have Original Medicare Parts A and B. It is important to understand that this IS NOT an annual deductible, it is per…
FAQ Friday: Does Medicare cover Endoscopy Procedure?
Aug 23, 2018 • 1 min
Medicare does cover the Endoscopy procedure. Endoscopy is considered an outpatient procedure. Medicare Part B (Medical Insurance) covers medically necessary diagnostic and treatment services you get as an outpatient from a Medicare-participating hospital.…
Rate Watch Wednesday: Sun City, Arizona 85345
Aug 22, 2018 • 6 min
This Wednesday Rate Watch is focused Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in Sun City, Arizona (zip code 85345). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Rate Watch Wednesday: Phoenix, Arizona 85001
Aug 15, 2018 • 6 min
This Wednesday Rate Watch is focused on Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in Phoenix, Arizona (zip code 85001). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Does Medicare Supplement Plan G cover Skilled Nursing Facility care?
Aug 13, 2018 • 1 min
Medicare Supplement Plan G covers everything that Medicare covers, so it does cover care in a Skilled Nursing Facility. For Medicare cover you in a Skilled Nursing Facility you have to have a qualifying 3 days or more admission to a hospital. If you are…
FAQ Friday: 2019 drug plans; when do they come out and when can I change?
Aug 10, 2018 • 1 min
It’s August and many of you have hit the dreaded Donut Hole either recently or within the last couple months. People have been asking the questions, “When can I change my drug plan?” or “When do the 2019 Part D drug plans come out?” This is how the dates…
Medigap Monday: Medicare Supplements covering Humira
Aug 6, 2018 • 2 min
If you take Humira or another prescription that you can get administered by a healthcare professional you are better off getting it done that way. Some prescriptions like Humira have the option to have it ordered through your Part D drug plan or you can…
FAQ Friday: Does Medicare Supplement Plan G have co-pays?
Aug 3, 2018 • 2 min
The Medicare Supplement Plan G does not have any co-pays. How the Medicare Supplement Plan G works is Medicare is your primary insurance and Plan G picks up the Medicare approved amount for Medicare approved services. The Plan G pays the remaining…
Wednesday Rate Watch: Colorado Springs, CO 80829
Aug 1, 2018 • 8 min
This Wednesday Rate Watch is focused Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Colorado Springs, Colorado (zip code 80829). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is…
Medigap Monday: Does Medicare Supplement Plan G cover CAT scans
Jul 30, 2018 • 1 min
Medicare Part B covers medically necessary clinical diagnostic laboratory tests, when your doctor or practitioner orders them. These tests are done to help your doctor diagnose or rule out a suspected illness or condition. Medicare also covers some…
Wednesday Rate Watch: Houston, TX 77001
Jul 25, 2018 • 7 min
This Wednesday Rate Watch is focused Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Houston, Tx (zip code 77001). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for…
Medigap Monday: What Happened to Medicare Supplement Plan J?
Jul 23, 2018 • 4 min
The Medicare Supplement Plan J was, at one time, the Cadillac of the Medicare Supplement plans. It was the most comprehensive Medicare Supplement a person could purchase on Medicare. Plan J filled all the gaps in Medicare, much like the Plan F does now.…
FAQ Friday: How to Appeal Denial of Coverage
Jul 20, 2018 • 3 min
An appeal is the action you can take if you disagree with a coverage or payment decision by Medicare or your Medicare plan. For example, you can appeal if Medicare or your plan denies: • A request for a health care service, supply, item, or prescription…
Wednesday Medigap Rate Watch: Las Vegas, NV 88901
Jul 18, 2018 • 7 min
This Wednesday Rate Watch is focused Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in Las Vegas, Nevada (zip code 88901). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Does Medicare Supplement Plan G offer Silver Sneakers?
Jul 16, 2018 • 4 min
For a period of time, Medicare Supplement carriers and Advantage Plans were including Silver Sneakers as part of their list of benefits as an incentive to choose their plan over another carrier’s. However, most carriers are no longer offering Silver…
FAQ Friday: Foreign Travel Benefit
Jul 13, 2018 • 9 min
Medicare will not cover you if you leave the country however, the Medicare Supplement Plan G will cover you if you leave the country. The Medicare Supplement Plan G comes with what is called a foreign travel benefit. It will cover foreign travel emergency…
Wednesday Rate Watch: Round Rock, Texas
Jul 11, 2018 • 7 min
This Wednesday Rate Watch is focused Medicare Supplement Plan G, for a male and female, ages 65 thru 75 in Round Rock, Texas (zip code 78664). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Does Medicare Supplement Plan G cover me outside of my county?
Jul 9, 2018 • 2 min
Medicare Supplement Plan G, also known as Medigap G, is a Federally standardized plan and it’s a true Medicare Supplement Medigap. The way that the Medicare Supplement Plan G works is that Medicare Parts A and B is your primary insurance. Because Medicare…
FAQ Friday: What is a Medicare Advantage Plan?
Jul 6, 2018 • 9 min
A Medicare Advantage Plan is not a Supplement Plan, it is a private alternative to Medicare. A Medicare Advantage Plan will not pay the bills that Medicare would normally pay, instead a Medicare Advantage Plan will charge you a different deductible,…
Medigap Monday: Does Medicare Supplement Plan G Cover Medications
Jul 2, 2018 • 1 min
When Congress passed the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, Medicare went through a huge change. Among other things, this act started the beginning of Medicare Part D prescription drug coverage. Since Medicare…
FAQ Friday: The Differences between Medicare and Medicaid
Jun 29, 2018 • 3 min
Medicare and Medicaid are two separate, government-run programs that were created in 1965 in response to the inability of older and lower-income Americans to buy private health insurance. They were part of President Lyndon Johnson’s “Great Society” vision…
Wednesday Rate Watch: Cook County, Illinois 60005
Jun 27, 2018 • 7 min
This Wednesday Rate Watch is focused Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Cook County Illinois (zip code 60005). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
FAQ Friday: To B or not to B with Medicare
Jun 22, 2018 • 2 min
As long as you are working for an employer that has more than 20 employees and you have active group insurance through your employer, you have the option to defer your Medicare and you can start your Medicare when you retire and you will not have a…
Wednesday Medigap Rate Watch: Dekalb County, Georgia
Jun 20, 2018 • 4 min
This Wednesday Rate Watch is focused Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Dekalb County Georgia (zip code 30002). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no…
Medigap Monday: Does Medicare cover home healthcare services
Jun 18, 2018 • 2 min
You can use your home health benefits under Part A and/or Part B. Medicare covers medically necessary part-time or intermittent skilled nursing care, and/or physical therapy, speech-language pathology services, and/or services if you have a continuing…
FAQ Friday: Does Medicare cover Cataract surgery?
Jun 15, 2018 • 2 min
Medicare covers many medically necessary surgical procedures, so as long as the cataract surgery is medically necessary, Medicare will cover it. For surgeries or procedures, it’s hard to know the exact costs in advance. This is because no one knows…
Wednesday Medigap Rate Watch: Jefferson County Alabama
Jun 13, 2018 • 5 min
This Wednesday Rate Watch is focused Medicare Supplement Plan G, for a male and female, ages 65 and 70 in Jefferson County Alabama (zip code 35005). As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is…
Medigap Monday: Three ways to track your new Medicare card
Jun 11, 2018 • 4 min
You may have heard that Medicare has started mailing new Medicare cards to everyone with Medicare. Hang tight — mailing takes some time across the country, and you might get your card at a different time than friends or neighbors in your state. In the…
FAQ Friday: Does Medicare Cover Cosmetic Surgery after Breast Cancer?
Jun 4, 2018 • 1 min
The answer is yes, they do cover breast prostheses after a mastectomy. A breast prosthesis is an artificial breast form. It gives a breast a more natural shape after a mastectomy or breast-conserving surgery. Medicare Part B covers external breast…
How do I Pay my Part B Premium?
May 30, 2018 • 1 min
Medicare Part B (medical/doctor benefit) comes with a monthly premium for 2018 of $134.00 a month. There are two ways to pay your Part B premium. • If you are collecting Social Security, they will automatically draft that premium out of your check every…
Medicare Supplement Plan F
May 25, 2018 • 3 min
Medicare Supplement Plan F, or what I like to call the “Full Coverage” Plan, is a Medicare Supplement that pays all the bills that Medicare does not pay. Medicare pays 80% and the Plan F would pay the remaining 20% of your medical bills. You would have no…
Medicare Supplement Plan N
May 25, 2018 • 2 min
Plan N is a really good plan. There are 4 differences between Plan F (the full coverage plan) and the Plan N (Not fixed). • Just like Plan G (the greatest value plan) you pay the $183.00 deductible. • Then you have up to a $20.00 copy per Doctor visit.…
Medicare Supplement Plan G
May 25, 2018 • 3 min
The Medicare Supplement Plan G, what I like to call the “Greatest Value”, will cover you exactly like the Plan F except for one difference. You will have to pay Medicare’s Part B Annual Deductible, which for 2018 is $183.00. The reason that Plan G is the…
Medigap Monday: Does Medicare Supplement Plan G cover second opinions
May 21, 2018 • 2 min
When your doctor says you need surgery to diagnose or treat a health problem that isn’t an emergency, it’s up to you to decide when and if you’ll have surgery. Medicare Part B covers a second opinion in some cases for surgery that isn’t an emergency.…
FAQ Friday: Does Medicare cover Ambulance rides
May 18, 2018 • 1 min
Medicare Part B covers ambulance services to or from a hospital, critical access hospital (CAH), or skilled nursing facility (SNF). Medicare covers and helps pay for ambulance services only when other transportation could endanger your health, like if you…
Wellness Wednesday: Will Medicare cover Nutritionist Therapy
May 16, 2018 • 2 min
Medicare Part B covers medical nutrition therapy (MNT) services and certain related services. A Registered Dietitian or nutrition professional who meets certain requirements can provide these services. But, only your doctor can refer you for these…
Medigap Monday: Does Medicare Supplement Plan G cover ambulance rides
May 14, 2018 • 1 min
Medicare Part B covers ambulance services to or from a hospital, critical access hospital (CAH), or skilled nursing facility (SNF). Medicare covers and helps pay for ambulance services only when other transportation could endanger your health, like if you…
FAQ Friday Does Medicare cover Cardiac Rehab Programs
May 11, 2018 • 3 min
Medicare Part B covers comprehensive cardiac rehabilitation (CR) programs that include exercise, education, and counseling. Part B also covers intensive cardiac rehabilitation (ICR) programs that, like regular CR programs, include exercise, education, and…
Wellness Wednesday: Can Medicare Help You Quit Smoking
May 9, 2018 • 1 min
Each year more than 480,000 people in the United States die from illnesses related to tobacco use. This means each year smoking causes about 1 out of 5 deaths in the US. Smoking cigarettes kills more Americans than alcohol, car accidents, HIV, guns, and…
Medigap Monday: Does Medicare Supplement Plan G Cover Chiropractors
May 7, 2018 • 1 min
Medicare does cover medically necessary chiropractic services. According to the CMS, Medicare Part B now covers 80% of the cost for “manipulation of the spine if medically necessary to correct a subluxation.” You can go as many times to the chiropractor…
FAQ Friday: Does Medicare Cover Chiropractors
May 4, 2018 • 1 min
Medicare does cover medically necessary chiropractic services. According to the CMS, Medicare Part B now covers 80% of the cost for “manipulation of the spine if medically necessary to correct a subluxation.” You can go as many times to the chiropractor…
Wellness Wednesday: Does Medicare Cover Dental?
May 2, 2018 • 6 min
Medicare does not cover dental, vision or hearing therefore, none of the Supplement Plans cover them either. We have done a lot of market research looking for the best dental, vision and hearing plan and the best we have found is DVH through Manhattan…
Medigap Monday: What is Medicare Supplement Plan N?
Apr 30, 2018 • 1 min
Medicare Supplement Plan N is also called Medigap Plan N. Medicare Supplement Plan N is a great option for people that want the benefits of having a Medicare Supplement Plan, however want to keep a lower monthly premium. Since the Medicare supplement Plan…
FAQ Friday: What is a Medicare Advantage Plan?
Apr 27, 2018 • 8 min
A Medicare Advantage Plan is not a Supplement Plan, it is a private alternative to Medicare. A Medicare Advantage Plan will not pay the bills that Medicare would normally pay, instead a Medicare Advantage Plan will charge you a different deductible,…
Medigap Monday: Difference between Plan F and Plan G
Apr 23, 2018 • 4 min
There is only one difference in coverage between the Medicare Supplement Plan F and the Plan G. That’s right, only ONE. The Plan F pays for Medicare’s Part B annual deductible of only $183.00 and the Plan G does not. However, the Plan G is the most…
Wellness Wednesday: Top 10 Early Symptoms of Dementia
Apr 18, 2018 • 6 min
An estimated 47 million people worldwide are living with some type of dementia, per the World Health Organization, and that number will likely increase to 75 million by 2030. The WHO expects the number to triple by 2050. Contrary to popular misconception,…
Medigap Monday: What are Medicare Part B excess charges
Apr 16, 2018 • 4 min
If you are enrolled in Medicare, you may be familiar with Medicare Part B Excess Charges. Some doctors accept what is called the “assigned” rate for their work. Others charge a higher rate, but they cannot charge more than 15 percent more than the…
FAQ Friday: When Can I Change my Medicare Advantage Plan
Apr 13, 2018 • 4 min
Each year, you have a chance to make changes to your Medicare Advantage or Medicare prescription drug coverage for the following year. This time frame is called the Annual Enrollment Period. Every year the Annual Enrollment starts on October 15th and ends…
Wellness Wednesday: Warning Signs of Heart Disease
Apr 11, 2018 • 8 min
Not all heart problems come with clear warning signs. There is not always an alarming chest clutch followed by a fall to the floor like you see in movies. Some heart symptoms don’t even happen in your chest, and it’s not always easy to tell what’s going…
FAQ Friday: When can I shop my Medicare Part D drug plan?
Apr 6, 2018 • 2 min
When you’re first starting Medicare, this is called your Initial Enrollment Period, or IEP. You have 3 months before, the month of and 3 months after your 65th birthday to shop for you Part D drug plan. Anytime after that is called the Annual Enrollment…
Wellness Wednesday: Warning signs of type 2 diabetes, how Medicare prevents further complications
Apr 4, 2018 • 2 min
Because type 2 diabetes can lead to serious health complications, it’s important to be aware of any diabetes warning signs and get tested for diabetes if you have any of these symptoms. Treating diabetes early can help prevent serious complications.…
Medigap Monday: Does Medicare Supplement Plan G cover knee replacements
Apr 2, 2018 • 2 min
Having joint replacement surgery is a big deal and can get very pricey. You want to make sure that you have the best and most comprehensive insurance coverage when having such a surgery. If you were to have a knee replacement surgery, with the Plan G, the…
FAQ Friday: Does Medicare Supplement Plan G Cover Prescription Drugs
Mar 30, 2018 • 2 min
Medicare Supplement Plans do not cover prescription medications, when you choose a Supplement Plan you will also choose a stand-alone Medicare Part D Plan. There are typically over 30 different Medicare Part D Plans, the benefit of choosing a stand-alone…
Wellness Wednesday How does Medicare cover Diabetes
Mar 28, 2018 • 2 min
Medicare Part B (Medical Insurance) covers the services that may affect people who have diabetes. Part B also covers some preventive services for people who are at risk for diabetes. Medicare Part D (Medicare prescription drug coverage) also covers…
A “Welcome to Medicare” Preventive Visit and Wellness Visit
Mar 21, 2018 • 2 min
A “Welcome to Medicare” preventive visit You can get this visit only within the first 12 months you have Part B. This visit includes a review of your medical and social history related to your health and education and counseling about preventive services,…
Does Medicare Supplement Plan G cover hospital bills?
Mar 20, 2018 • 2 min
The Medicare Supplement Plan G covers all of your Medicare Part A hospital deductible and services not once, but every time you are hospitalized. Medicare pays 80 percent and the Medicare Supplement Plan G pays the remaining 20 percent so you pay nothing.…
Here are ten things you need to know about your new Medicare card.
Mar 16, 2018 • 7 min
Medicare is mailing new Medicare cards starting in April 2018. Here are ten things you need to know about your new Medicare card. 1. Mailing takes time: Your card may arrive at a different time than your friend’s or neighbor’s. 2. Destroy your old…
March is Colorectal (Colon) Cancer Awareness Month
Mar 14, 2018 • 2 min
The older you get, it is always a good idea to be proactive when it comes to your health. The more you know and educate yourself on, the better. March is Colorectal (Colon) Cancer Awareness Month and it is essential to know not only what preventative…
When to purchase your Medicare Supplement Plan
Mar 12, 2018 • 2 min
When can I buy a Medigap policy? The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period. During that time, you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically…
GI: Moving out of your Medicare Advantage Plan Service Area
Mar 8, 2018 • 3 min
Guaranteed issue rights (also called “Medigap protections”) are rights you have in certain situations when insurance companies must offer you certain Medigap policies. In these situations, an insurance company: • Must sell you a Medigap policy • Must…
Medicare Supplement Plan G is offering the greatest value for 2018
Mar 6, 2018 • 1 min
My name is Robert Bache, MedicareBob. My Insurance Agency, Senior Healthcare Direct helps Medicare Beneficiaries with understanding their Medicare Supplement Insurance options. The 3 most popular and comprehensive Medicare Supplement Plan are Plan F, Plan…
HOW DO INSURANCE COMPANIES SET PRICES FOR MEDIGAP POLICES?
Mar 6, 2018 • 4 min
HOW DO INSURANCE COMPANIES SET PRICES FOR MEDIGAP POLICES? Each insurance company decides how it will set the price, or premium, for its Medigap policies. It’s important to ask how an insurance company prices its policies. The cost of Medigap policies can…
Are you healthy enough to save money on your Medicare Supplement Plan?
Mar 6, 2018 • 6 min
Are you healthy enough to save money on your Medicare Supplement Plan? In this episode, I will share with you some of the medical underwriting requirements required to switch your Medicare Supplement Plan.
Medicare Supplement Plans allow you to choose your Doctor.
Mar 6, 2018 • 1 min
Medicare Supplement Plans allow you to choose your Doctor. As long your Provider accepts Medicare, then your Provider will accept your Medicare Supplement Plan.
Medicare covers Mammograms
Mar 6, 2018 • 0 min
Medicare covers Mammograms
Wellness Wednesday Heart Awareness and Cardiovascular Screenings covered by Medicare
Mar 6, 2018 • 1 min
Wellness Wednesday Heart Awareness and Cardiovascular Screenings covered by Medicare.
Medicare covers the Flu Shot
Mar 6, 2018 • 0 min
Medicare covers the Flu Shot
FAQ FRIDAY: LOSING GROUP COVERAGE = MEDICARE SUPPLEMENT GUARANTEED ISSUE
Mar 6, 2018 • 3 min
Guaranteed issue rights (also called “Medigap protections”) are rights you have in certain situations when insurance companies must offer you certain Medigap policies. In these situations, an insurance company: Must sell you a Medigap policy Must cover…
2018 Medicare Supplement Plans: 3 things you should know!
Mar 6, 2018 • 1 min
2018 Medicare Supplement Plans: 3 things you should know! 1) You can shop your Medicare Supplement Plan all year. The December 7th deadline does not apply to Medicare Supplement Plans. 2) Medicare makes it easy for you to compare: Section 6 page 79 in the…
MedicareBob’s Medicare Supplement Plan recommendation 2018
Mar 5, 2018 • 10 min
My name is Robert Bache, MedicareBob. My Insurance Agency, Senior Healthcare Direct helps Medicare Beneficiaries with understanding their Medicare Supplement Insurance options. The 3 most popular and comprehensive Medicare Supplement Plan are Plan F, Plan…