Soon be 65? Medicare only pays physician related treatment at 80% thus buying a Medicare health plan is a great way to protect yourself!

 

Call (860) 739-0005 today to set up a discussion on how the four parts of Medicare works. Would also be pleased to review the insurance protection options, which pay the medical treatments Medicare does not fully cover from quality companies.

Coverage under Medicare is not equivalent to a traditional employer plan since there is no out of pocket limit on the 20% physician related treatment cost sharing! What to do about this significant risk? The suggested options, include:

• A traditional Medicare Supplement. Many supplement plans pay most of the medical treatment expenses Medicare Part A and Part B do not fully pay. A new option (June 2010) with office co-pays has a lower cost.
• A Prescription Drug Plan. Medicare and Medicare Supplements do not pay for normal outpatient medications so its important to add a Medicare Prescription Drug Plan (Part D) which can pay for most medication costs.
• Medicare Advantage plans. This option is available from private companies, which have a contract with Medicare. The company coordinates all your medical related treatment through a network of providers and receives a fixed payment from Medicare. Most plans also cover Part D prescription expenses. Medicare Advantage plans (Part C) often add additional coverage such as preventive care. The monthly premium is usually more economical than buying a supplement plan plus a Part D plan.

Have questions about Medicare Supplements in Connecticut or Medicare Advantage Plans in Connecticut? Call (860) 739-0005 to talk with a health related insurance professional or send a note to

How can I find out about individual medical insurance options?

There are many options for under age 65 Individuals in Connecticut. Thus, residents can find a solution to meet their needs and budget, especially with a HSA.

Interested in reviewing individual medical coverage? Effective options can be found on our partner, eHealthInsurance's easy to use site. It gives an overview of the coverage offered by various companies. You can check for options and find monthly rates no matter where you live. In addition, you can enroll on line.

Have questions on some of the details in individual medical plans? Send a note to

What can I do if I need coverage for a short time?

Short Term Medical plans do not cover pre existing conditions but are an effective and economical approach, when protection from unexpected medical situations is only needed for a limited period such as:

• Between jobs?
• Coming off a parents plan!
• When a new employer plan is not effective for a couple months?

You can review different coverage options, rates, and enroll online in a Celtic Insurance plan, for coverage starting tomorrow. Check the bullet in front of Short Term insurance and enter your Connecticut zip code. Then on the next page enter your age and gender. Plans are available for a specific period of time from one to six months.

Questions on short term plans? Send a note to

Protect your investment when traveling out of the US?

A comprehensive plan to protect the investment you made in a vacation or trip including travel coverage for trip cancellation or interruption; lost baggage; medical evacuation; and more. Review Trip Protector coverage details, cost, and enroll online.