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Planning for retirement can be a little overwhelming.  I seems that are so many changes that come with turning 65, sometimes you don’t know where to start.  Retirement is supposed to be a time of well earned relaxation, but these days it’s more about survival of the fitness or perhaps the smartest.  If you are approaching retirement age now is the best time to look into things that are going to help ease you into that role.  As you may well know, once you turn 65 you are enrolled in traditional Medicare.  That comes as a big comfort to most people, but to others that is added stress that they don’t want to think about because they are not informed or prepared.

Traditional Medicare has its perks.  As was stated above, you are automatically enrolled in traditional Medicare on the first day of the month that you turn 65.  Traditional Medicare comes in two parts, the first is Medicare Part A, which is designed to help offset costs involving hospitalizations, emergency services and nursing care facilities.  Part B helps offset the cost of doctor fees, outpatient services and some medical equipment.  Part B comes with a monthly premium payment that is paid to your private insurance company.  Part B also requires deductibles and co-payments.  Medicare is a great program especially for those that are on a fixed income after retirement.  But there is something else you are eligible for once you reach retirement age; it is called a Medigap insurance plan.  This plan insurance plan is designed to help bridge the gap between what Medicare will pay and what your out of pocket expenses are.  Once you are enrolled in both Medicare plans you are then eligible to get a Medigap policy.  If you enroll during the open enrollment phase you have guaranteed coverage and will not have to go through the medical underwriting process regardless of your health.  A Medicare Supplemental Insurance plan will help with co-payments and deductibles, as well as cover your portion of the medical bills at 100% coverage.

You simply need to contact a senior insurance agent and ask to compare Medigap plans from different carriers and choose the right premium payment that is just right for you and that will fit into your budget.  Your insurance agent will walk you through the step needed to get this valuable coverage.  Be prepared and informed.

 

Getting to Know Medicare Supplement

You may be getting close to Medicare age were you may be helping someone is getting close to Medicare age, in their way this article will help you understand the basics of Medicare. Now this is only the cover the basics that there is a lot more information on the Internet. There are sites  that have up to date fax important information that can help you learn about Medicare. It will recover some of those facts that are found at Medigap2013.com for you in this article today. So do yourself a favor and take a little time reader article you understand the basics and have a foundation to build on. And then you can help your friends with their Medicare journey as well.

 

First let’s answer the question what is Medicare? Medicare is the government health insurance for people 65 and older, people under 65 who are on Social Security for disability and people of all ages with in stage renal disease. Medicare has four basic part, Medicare Part a, Medicare Part B, Medicare Part D and Medicare advantage plans. Medicare part a is also called (hospital care).  Medicare part a will help cover inpatient hospital visits, skilled nursing facilities, home health care, hospice and in some cases nursing home care.it will also cover inpatient care in a religious nonmedical healthcare institution. If you have Medicare part a you will be listed on your Medicare card that you use for services.

 

Okay so we covered Medicare Part a now let’s talk about Medicare Part B. Part B is your medical coverage that is can it help you pay for medically necessary doctor visits, outpatient care, home health care as well as durable medical equipment and services that are medically necessary. One of the most important things that Medicare Part B covers is preventative healthcare. Preventative healthcare has been found to be one of the most important kinds of healthcare for the aging. The reason being is the key many times stop or slow down serious illnesses that could cost more money and cost her health if they were caught later. Medicare Part B has some out-of-pocket costs just like Medicare part a you must be a yearly deductible before Medicare part B shares any cost with you. There is also coinsurance involved where you will share some of the cost. As well as co-pays for doctor visits emergency visits and such. Typically you’ll pay 20% after deductible and this is what is called coinsurance in there is no out of pocket limit.

 

Now in both Medicare part a and Medicare part B there are more benefits in more details that we won’t cover in this article but you can always referred to medigap2013.com for all of the details. But I am to cover a few that I find are important in very interesting to know. Let me cover some of the preventive screenings that will be available to someone that has Medicare part B. Now keep in mind that 70 screenings do have limits in may require a referral. If you are at risk for abdominal aortic aneurysms Medicare will cover a one-time screening for those at risk this, this does require a referral from a doctor. One of the new screenings available is alcohol misuse counseling. It covers one of the screenings per year for those individuals who use alcohol but not classified as alcohol dependent. Bone mass measurement is a nether screening that is covered once every 24 months sometimes more often if you’re at risk. This screening helps determine if you are at risk for broken bones. Medicare part B covers screenings for breast cancer every 12 months for all women 40 and over who have Medicare. It also provides women with cervical and vaginal cancer screenings every 24 months, 12 months if you are at risk. It also covers cardiovascular screenings. This screening includes blood test that will help detect certain conditions that could lead to heart attack or stroke. When the screening is the cardiovascular disease( behavioral therapy) in which Medicare is going to cover one visita year with your primary care doctor to help lower your risk for Cardiovascular disease with a visit that will include blood pressure checked and eating healthy counseling. Colorectal screening is also prevented the benefit that it will cover. This could include fecal occult blood test, flexible sigmoidoscopy, colonoscopy and Barium enema.  There also be diabetes screening to screen for risk factors with individuals as well as diabetes self-management training. Another new screening is a depression screening. Medicare is going to cover one depression screening per year per individual. The screening will be done by primary care Dr. in that it needed the primary care Dr. can refer you for treatment.  Flu shots are also included in the preventative care screenings that Medicare will cover under Medicare part B. You will pay nothing to get a flu shot if your provider is a qualified Medicare provider that has accepted this comment for Medicare costs. You’ll be allowed one flu shot per year during the fall or winter ( flu season).  Medicare also will approve hepatitis B shots for those at risk for hepatitis b, this shot will also be at no cost to you. In addition the preventive screening should include HIV screening Medicare will cover in HIV screening once per year or three times during a pregnancy for a woman. Glaucoma test is also included in preventive screening it will be covered once every 12 months to those at risk. Another preventive screening benefit will be medical and nutritional therapy services, in which, Medicare will cover nutrition therapy and some other related services. If you have diabetes or kidney disease in some other conditions.

 

As I stated earlier this is just a little bit of information regarding Medicare I hope I covered some of the most important in the most asked about questions. And I hope this helps you learn or at least get a start on knowing what you need to know about Medicare.

 

5 important things you should know about Medicare Supplement

 

Experts say that baby boomers are not prepared for retirement. They are not compared physically, emotionally or financially. One of the biggest costs they will face is healthcare. So it’s very important that they know everything they can know about Medicare andMedicare supplemental health insurance plans.  If someone that is about to retire doesn’t already understand Medicare they could be in for some big surprises. This is why it’s so important to research and learn everything you can about Medicare.  And when you start to learn about Medicare you will soon find out that Medicare pays only a small portion of your healthcare costs. There are many out-of-pocket costs that many times are not thought of it until after the fact. There is a lot to learn, but here we have put together the 10 most important things that we feel you should know about Medicare and about purchasing a Medicare supplemental health insurance plan.  if we don’t answer all of your questions here in this article and you need more information there is a vast amount of information to be found on the Internet. Just Google Medicare, Medicare supplemental health insurance plan, Medigap policy were just senior insurance and you will see that there are thousands and thousands of websites that can help you and answer your questions about Medicare.   One website that will give you up to date information is medigap2012.com.  Is a good resource for the basic and the changes that are current. http://medicare.gov or get Medicare Supplement help at http://800medigap.com the leading toll free hotline for MEDIGAP

 Medicare Spplement Plans

1.        One of the most important things that you should know about Medicare is simply Medicare basics. When it comes to Medicare at the age of 65 and in some other circumstances but today were to talk about when you turn 65, you are automatically eligible for Medicare Part A.  For most people there is no cost for Medicare Part A.  Medicare Part A is what is also referred to as hospital care or your hospital part of Medicare. The reason being is it is the part of Medicare that covers hospitalization. Not only does it cover hospitalization he covers a few other things as well let’s talk about these; it will cover inpatient care hospitalization, skilled nursing facilities, hospice care, home health care and nursing home care if not just for custodial care.   However it does not cover hundred percent all the time. You’ll need to know about co-pays, deductibles and coinsurance in order to understand what exactly Medicare part a covers.

2.        Now that we know Medicare Part a covers hospitalization care then we also know that one of the most important coverages your medical coverage can be purchased at a small price in is called Medicare Part B.  Medicare Part B is what is also referred to as the medical insurance coverage when it comes to Medicare. There is a small cost for Medicare part B which is around $98 per month for most individuals. The Medicare part B will cover services provided by doctors and some other providers as well as;outpatient care, home health, durable medical equipment and some preventive services. Again it’s important to take notice that it does not cover 100% of these expenses there co-pays, deductibles and coinsurance to think about. The other important point to remember is that you must carry Medicare part a and Medicare part B in order to purchase a Medicare supplement plan that is going to help you with your out-of-pocket expenses.

3.       Let’s talk about Medicare part C which is also known as Medicare Advantage. A Medicare Advantage is a little different than Medicare part a and part B. You must purchase Medicare advantage through a Medicare approved private insurance company. It is no additional cost. This type of claim one including all coverages under Medicare part a and Medicare part B and most of the time will include Medicare part D are drug coverage as some refer to it as. And sometimes it may offer additional benefits at an added cost. It works like an HMO or PPO plan, combining all of your Medicare coverage is under one umbrella.

4.       As we mentioned above Medicare Part D is prescription drug coverage. This is a Medicare supplemental or Medigap policy that must be purchase from a Medicare approved private insurance company. This type of plan does exactly what it says it helps with prescription drug coverage. It will assist you in paying lower prices for your prescription drugs and protects you should shoot at a later date be prescribed inexpensive prescription medication. Medicare part D is one of the more popular Medicare supplements that are purchased. The reason being many people are on medications that are very expensive and would be next to impossible to afford out-of-pocket in they require some sort of help to do so. If you don’t have Medicare part D keep in mind most states and communities have programs to help with the cost of medications as well.

5.       Now we’ll move on to Medicare supplemental health insurance plans with also referred to as the Medigap policy by some.  Medicare supplemental health insurance plans are offered by Medicare approved private insurance companies in each plan is Medicare approved and regulated. Each plan uses a specific letter to determine what type of plan it is an Medicare determines what the basics of those plans must include. So no matter which company you choose to go with the basic benefits are going to be the same. You cannot purchase a Medicare supplemental health insurance plan unless you have both Medicare part a in Medicare part D coverage. And you may not have Medicare supplemental health insurance plans if you have Medicare advantage, so you must make sure that your Medicare advantage if you have that will cancel before you Medicare supplemental health insurance plan comes in effect.  Medicare supplemental health insurance plans are an additional cost in differ from one company to another. So since the basics are regulated it is very smart to shop for the best rate available.

 

 

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