Soon be 65? First: The Social Security system no longer automatically enrolls individuals in MediCARE. Thus, I recommend calling your local Social Security Office for an appointment to sign up - not through the 800#.
Second: MediCARE's Part B only pays 80% of the amount MediCARE allows for your physician and other outpatient treatment!
Note: Medicare, unlike employer benefit plans, has no limit on your 20% cost sharing!
Soon be eligible! Pleased to help you understand how a quality MediCARE health plan can provide certainty by covering your 20% share of outpatient treatment expenses. We will review how Part A and Part B work.
Currently have a MediCARE Health plan! Pleased to answer any questions on your coverage or other options during the Oct. 15 to Dec. 7 annual Open Enrollment for 2014.
I would like to - Ask you to:
- Link here to Chat about your questions - will call back if not available.
- Call (860) 451-9793 with questions or to schedule a no cost consultation.
You can gain by enrolling in one of the two types of Medicare Health Plans. - First: Medicare Supplements in Connecticut pay, depending on the plan, part or all of the medical treatment expenses MediCARE does not pay. Some points on Medicare Supplements:
- Plan A has the least coverage. Plan B includes more, etc. Plan F is the most comprehensive.
- Each company offering a specific plan provides the same benefits but there can be considerable variation in their monthly premium.
- One option, introduced in June 2010 (Plan N), has a small deductible, a $20 co-pay for office visits, and a $50 co-pay for emergency room visits. This results in a lower monthly cost than the full coverage Plan F.
- These plans, often called MediGap plans, are available from private companies. They are very popular with individuals who want the flexibility to receive medical treatment no matter what state they are in. A recent survey of enrolled individuals found 9 out of 10 reported they were happy with their coverage.
MediCARE's Part A or Part B does not pay for normal outpatient prescription medications nor do any Supplement plans. Thus, to cover part of your outpatient medication costs a person needs to enroll in a Medicare Prescription Drug Plan (PDP). This is MediCARE's Part D. Enrolling when you first sign up for Medicare is important since a penalty will be applied if a person does not have what is called credible prescription coverage.
Second- Medicare Advantage (MA). Some points on these plans, which are MediCARE Part C:
- They are available from private medical insurance companies, which have a yearly contract with MediCARE; receive a fixed monthly payment for each person who enrolls; and provide at least the same or more benefits as in original MediCARE. Some MA plans have no monthly premium and some charge a premium.
- Individuals receive their medical treatment through the MA companies network of providers and most also include coverage for Part D prescription expenses. This makes them a MAPD plan. Companies offering Medicare Advantage in Connecticut include more extensive preventive care then in original MediCARE.
- MA plans have co-pays for physician visits, emergency room visits, outpatient surgery, and for a certain number of days if hospitalized. This co-pay cost sharing is limited since the plan's include an annual maximum out of pocket (MOP).
- MA plans are usually more economical than buying a MediGap plan plus a Part D plan. Thus, they are of interest to many individuals.
Another way to lower the monthly premium of a Medicare Health plan and limit your MOP cost sharing is to select the Medicare Supplement High Deductible ($2,110 in 2013) option. Together with a Part D plan for medications the result is a monthly cost, which is lower than some MA plans.
Surveys of people close to 65 tell us more than 50% are confused about Medicare and only about 10% understand Medicare's Part C! I would like to - Ask you to call (860) 451-9793 - today if you are interested in increasing your understanding.
We can meet for a no cost to you conversation about the value Medicare Supplements in Connecticut or Medicare Advantage Plans in Connecticut can provide. You can also send a note to .
Protect your financial situation when traveling out of the US?
Special travel coverage is needed to protect the investment you made in a vacation or business trip. It includes trip cancellation or interruption; lost baggage; medical evacuation; and more. You can review the details and the cost for a Trip Protector plan and enroll online.
Interested in coverage for a short time?
Short Term Medical plans do not cover any previous 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 view plans and costs on the Parker Agency site of HCC Medical Insurance Services. HCC is rated A+ (Superior) by A.M. Best. Can select various deductibles and coverage up to 2 Million.
Questions on short term plans? Send a note to .