Is Medicare Different In Each State
Before we begin our discussion of Medicare coverage by state, letâs consider basic eligibility for Medicare. The Centers for Medicare & Medicaid Services reports that the following factors make you eligible for Medicare:
- Age. If you are 65 or older, you qualify.
- Disability. If you get disability income from Social Security or the Railroad Retirement Board , youll gain eligibility for Medicare once youve recieved your Social Security or RRB disbursements for 24 months. There are also special qualifying criteria for those with Lou Gehrigs disease and end-stage renal disease which can eliminate waiting periods.
Assuming now that you are eligible, letâs address the questionâis Medicare different in each state? Since Original Medicare is a completely federal program, itâs equally available to residents in all U.S. states.
However, certain programs within Medicare vary from state to state in terms of rules, availability, and pricing. Two such Medicare plans are Medigap and Medicare Advantage. The coverage and features of these Medicare plans will vary depending on where you live.
Medigap
Medigap, sometimes called Medicare Supplement, is available to Original Medicare beneficiaries. It works like an insurance policy to cover the âgapâ between what Original Medicare pays and what you owe in out-of-pocket expenses .
Medicare Advantage
Medicare Advantage Plans And Additional Coverage
In addition to providing an alternative to Original Medicare, Medicare Advantage plans often also include additional coverage such as dental, vision, hearing, prescription drug coverage and more.
Medicare Advantage plans can provide extra benefits and theyre often very affordable, with many having $0 premiums and $0 deductibles.
Understand Your Additional Coverage Options with The Medicare Helpline
To make it easier for you to decide which Medicare plan is right for you, our team of licensed insurance agents can provide side-by-side coverage comparisons of the plans available to you. Dont miss out on the benefits you deserveget started by entering your zip below.
Privacy Policy | Terms of Service
The Medicare Helpline is a licensed and certified representative of a Medicare Advantage organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal. By completing the contact form above or calling the number listed above, you will be directed to a licensed sales agent who can answer your questions and provide information about Medicare Advantage, Part D or Medicare supplement insurance plans. Availability of carriers and products are dependent on your resident zip code.
1https://www.medicare.gov/your-medicare-costs/get-help-paying-costs/find-your-level-of-extra-help-part-d
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Important: Mail That Comes Directly From Your Insurance Carrier
If you receive mail from the company you purchased your Medicare coverage through, that mail is important. Each fall, your insurance company will send you notification about changes they are making to the plans for the coming year. This is known as the Annual Notice of Change, or ANOC.
Your insurer will announce changes to the list of drugs they will cover, changes to amounts they will charge for services, etc. These details are important because they apply to you and to the specific plan you purchased.
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Description Of Some Medicare Advantage Plan Coverages
See Page 61-62 of the U.S. government Medicare handbook
The Medicare Advantage Plans will cover all of your Part A and B benefits except any hospice services or clinical trials and temporarily the new benefits that happen because of national coverages or legislation has determined.
If you do transition to a MA Part C plan, the Original Medicare will still cover the cost involved for hospice care, some of the clinical research studies, and some of the new Medicare benefits.
The MA Part C does and must cover all urgent care, emergency care, and nearly all the necessary medical services that the Original Medicare covers.
Beyond The Medicare Advantage Scam
Originally published on DailyKos.com
In a television ad repeated incessantly, 60s quarterback star Joe Namath reads his lines to promote the Medicare Coverage Helpline. Are you getting all the benefits you deserve? He ticks off the new benefits. You may be able to lower your out of pocket costs and get extra benefit now, he says.
The ad announces that the Center for Medicare and Medicaid Services has officially authorized new benefits that Medicare Advantage Plans may include. One simple call gives you free, professional assistance to help you get more benefits and save money, says Namath. It sounds like a public service announcement from Medicare.
But it isnt. Its a pitch to sign up in the privatized, for-profit Medicare Advantage plansand its a scam. It is true that a person may be able to lower monthly costs by enrolling in one of these plans. Thats a powerful incentive in a time when the majority of seniors live on tight budgets, many just an inch from disaster. The laws and regulations allow these insurance companies to lure seniors away from traditional Medicare, and Congresspersons of both parties should be held responsible.
He makes it seem to be a new opportunity provided by Medicare because of the corona virus that is keeping us homebound.
Namath didnt mention that in the ad.
Mr. Mills no longer saves that monthly sum on his Medicare Advantage plan he pays extra.
The insurance industry manipulates our democracy.
2020-09-14
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Caring Agents And Agencies
An agent who cares will have the time you need to discuss, understand, and properly decide with a plan that is best for you and your family. And the proper information to make sure you qualify, not just sell you something.
A caring agent wishes you to retain your policies, therefore, will help you genuinely choose the best for your family. They will also be available to continue serving you and you wont feel rushed to make a decision, but instead, informed.
Medicare Coverage Helpline Disclaimer
Its always smart to read the fine print on advertisements before you call them or give them any personal information.
Here are the Medicare Coverage Helplines fine print exclusions:
The Medicare Coverage Helpline is not affiliated with or acting on behalf of any government agency or program. Outside of the Medicare Annual Enrollment Period, members can enroll in a plan only if they meet certain criteria. A licensed insurance agent can help you determine whether you are eligible. Your call will be directed to a licensed insurance agent or to a third-party partner of TogetherHealth Insurance, LLC, who can provide more information about your Medicare insurance plan options. There is no obligation to enroll. This information is not a complete description of the benefits. Contact the plan for more information. This is not a complete listing of plans available in your service area. For a complete listing, please contact 1-800-MEDICARE . 24 hours a day, seven days a week, or consult www.medicare.gov.
Many people say that the Medicare Coverage Helpline commercial is misleading and confusing. They leave out important information, and people often feel tricked into thinking they will get additional free benefits.
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Does My Zip Code Affect My Medicare Coverage
The Centers for Medicare & Medicaid Services reports that, with Original Medicare , you can use any doctor or hospital that takes Medicare, anywhere in the U.S. Medicare plans like Medigap and Medicare Advantage are a different story, though. The pricing, rules, and availability of these plans vary by state, and even sometimes by zip code. Here, we cover what you need to know about Medicare coverage based on where you live, using the official U.S. government website for Medicare as a guide.
Opinion: Joe Namaths Medicare Farce
Joe Namath, Most Valuable Player of Super Bowl III in 1969, has become Most Valuable Persuader as the snake oil salesman for the Medicare Coverage Helpline in 2021.
In these uncertain times, you need to get all the benefits you deserve, shouts Broadway Joe. Free dental, free eyeglasses, transportation to and from doctors offices, health club membership even free meals delivered to your home, at no additional cost. So call the number on your screen today, ITS FREE!
The only thing free about this scam is the phone call itself, which connects you to a for-profit insurance company. Its impossible to read the disclaimer on your TV screen.
But heres some of what it says: The Medicare Coverage Helpline is not affiliated with or acting on behalf of any government agency or program. The Medicare Coverage Hotline is a private for-profit lead generation campaign and does not offer insurance and is not an insurance agency or broker. Your call is sold to a licensed insurance agent to give you information about your Medicare Advantage Plans. Prescription, dental and vision benefits are not guaranteed, are only available in select plans and are not available in every state or zip code.
According to Truthinadvertising.org, Medicare Coverage Helplinewhich in no way is affiliated with the governmentcontinues to mislead consumers on the benefits it can offer Medicare recipients, only now it has the help of New York Jets legend Joe Namath as a paid spokesperson.
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What Is The Texas Health Information Counseling And Advocacy Program
If you are eligible for Medicare, the Texas’ Health Information, Counseling and Advocacy Program can help you enroll, find information and provide counseling about your options. This partnership between the Texas Health and Human Services system, Texas Legal Services Center and the Area Agencies on Aging trains and oversees certified benefits counselors across the state.
Medicare Coverage Helpline Tv Commercials
We don’t make the ads – We measure them
Sign up to track 51 nationally aired TV ad campaigns for Medicare Coverage Helpline. In the past 30 days, Medicare Coverage Helpline has had 12,743 airings and earned an airing rank of #27 with a spend ranking of #370 as compared to all other advertisers. Competition for Medicare Coverage Helpline includes UnitedHealthcare, Kaiser Permanente, Humana, Cigna, Independence Blue Cross and the other brands in the Insurance: Health industry. You can connect with Medicare Coverage Helplineby phone at 800-371-0800.
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How Can Funeral Funds Help Me
Funeral Funds is an independent life insurance agency that offers a simple, convenient, and affordable way to buy life insurance.
We understand that buying life insurance is a personal decision, and we will work with you to find a policy that meets your needs. We offer both term and whole life insurance policies from various carriers.
Our goal is to provide you with the information you need to make an informed decision about life insurance. We are not affiliated with any life insurance company, so we can offer unbiased advice.
*This website is not endorsed by, directly affiliated with, maintained, authorized, or sponsored by Medicare Coverage Helpline or Medicare Advantage. Any Medicare Coverage Helpline trade name or trademark is for identification and reference purposes only and does not imply any association with the trademark holder of their product brand.
Medicare Coverage Helpline is a registered trademark of its original owners, and Funeral Funds of America declares no affiliation, sponsorship, or any partnerships with any registered trademarks unless otherwise stated.
The information on this website is provided for informational, educational, and entertainment purposes only, and all information in this article is subject to change without notice.
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Medicare Advantage Plan Part C
This type of plan is an additional way to get what Part A and B cover but having additional benefits.
These additional coverage plans are many times called Part C or Medicare Advantage Plans and are offered by separate private companies that have been approved by and must follow rules that are governed by Medicare.
Have a look and read, if you wish, at The official U.S. government Medicare handbook 2022 pdf.
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Is There A Medicare Advantage Phone Number
Medicare Advantage plans are offered by private insurance companies, so you may want to call your plan provider directly with any questions about your Medicare Advantage plan. For general information about Medicare coverage, you can still call 1-800-MEDICARE, even if you are enrolled in a Medicare Advantage plan.
Are you considering switching to a Medicare Advantage plan, changing your current Medicare Advantage plan or enrolling in Medicare Advantage for your first time? A licensed insurance agent can help answer any questions you have about Medicare Advantage plans and can help you compare plans that may be available in your local area.
How To Prepare For A Call To Medicare
When you call the Medicare hotline, you will first be directed to an automated system. The automated system will give you some options and will collect information about your request.
If you would like to speak to a Medicare agent, a person is always available, though you may have to wait on hold. Make sure to call when youre in a comfortable position, and at a time when youre able to wait on the phone for a while if you need to.
Have these items or information handy when you call Medicare:
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Pros And Cons You Decide Whats Best
Because many plans are different between plans and providers and even differences in plans that are offered by the same providers can be for example 50% coinsurance or a $50 copayment for a Dental Plan.
Many prefer a Medicare Advantage Plan because many coverages include a prescription drug program, dental, vision, and hearing care are bundled together under one plan. These plans often have lower monthly premiums depending on the coverage of the plan.
Medicare Advantage Plan monthly premiums are typically ranging from $0 to over $100 depending on the coverage.
The companies that offer Medicare Advantage Plans are allowed to change their coverage and their costs every January. This makes it even more important every year to review your coverages and compare your plan with others available at the best price possible.
Again this can be done best with someone you trust by going to a reliable broker who can offer many companies the best offers for you and your family to choose.
Some Enrollment Rules
You can enroll in a Medicare Advantage plan
- When you are eligible for Medicare
- When you turn 65 or younger if you have a qualifying disability
- Special Enrollment Period you may be able to qualify for this if you have a life event happening such as a move or experience loss of income.
What Is The Medicare Coverage Helpline
NEW YORK November 11, 2021
iQuanti: You can use the Medicare Coverage Helpline to get information about different Medicare plans, how they work, and their respective pros and cons. However, its important to be aware that the federal government has no affiliation with the helpline. Rather, the helpline is designed to connect insurance agents and prospective Medicare enrollees. And if youre not careful, you risk getting only a fraction of the information you need regarding all of the Medicare options at your disposal.
Ultimately, it pays to know what to expect from the Medicare Coverage Helpline before you call. That way, you can use the helpline to get the insights you need to make an informed decision regarding your Medicare coverage.
How Does the Medicare Coverage Helpline Work?
The Medicare Coverage Helpline is accessible via phone at 1-800-MEDICARE and can connect you with a Medicare specialist 24/7. You can discuss a variety of Medicare topics, including:
- Preventative exams
You can use the helpline to gain insights on your options regarding Medicare. However, the helpline represents only one of several resources you can use to learn about Medicare. If you capitalize on all available Medicare resources, youre well-equipped to decide which Medicare plan works best for you.
How to Use the Medicare Coverage Helpline
Here are three things you can do to prepare for a call with a Medicare Coverage Helpline specialist.
1. Conduct Research
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About David Duford
David Duford is the owner and operator of BuyLifeInsuranceForBurial.com. He’s helped over 1,500 people with their life insurance needs across the country. He is the author of 3 best selling insurance sales and marketing books, and helps insurance agents across the country help their clients with insurance needs.
Preparing For Medicare Eligibility Turning 65
As you approach age 65 and Medicare eligibility, we are taking this opportunity to share some important information about Medicare with you so you can be aware and educated about your options. Werequest that all patients approaching age 65 take a few moments to complete a Medicare Patient Questionnaire. The information you provide helps us prepare to better serve you as you transition to Medicare. The questionnaire also provides informationregarding helpful resources for our Medicare patients and the community.
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Write To Insurance Companies
You may write your insurance companies with questions that you have about your coverage. If possible, type up your letter and make sure to keep a copy that indicates the date on which you mailed it.
If you arent able to type up your questions, make sure to write in clear, concise print, leaving plenty of space in between your questions. Be sure to include your contact information in any correspondence that you mail to your healthcare provider.
Before sending mail that contains important documents or your private health information, call ahead and make sure that you have the correct contact information. Mail that is sent to the wrong address is not always forwarded to the right place, especially in places that receive a high volume of mail.
Addresses for major insurance companies that provide Medicare policies:
Aetna Inc.
If your ability to talk on the phone is limited because of a health condition, you can still reach out to Medicare. TTY users can call 1-877-486-2048 to reach a hotline compatible with their devices.
You can also email Medicare at [email protected], or send a letter explaining your need to:
Centers for Medicare & Medicaid ServicesOffices of Hearings and Inquiries 7500 Security Boulevard, Mail Stop S1-13-25Baltimore, MD 21244-1850
