Soon be 65? Medicare only pays 80% of physician related and outpatient treatment expenses thus buying a Medicare health plan is a great way to protect yourself from this big risk!

In addition to paying 20% of outpatient related treatments there is no limit on this cost sharing! Thus, call (860) 451-9793 today! Perhaps we can set a time to discuss how Medicare works and the quality insurance options, which provide financial protection from the medical treatment expenses Medicare does not fully cover.

The options, include:

• A Medicare Supplement in Connecticut. Supplements pay, depending on the plan you select, for the part of covered medical treatment expenses Medicare Part A and Part B do not fully pay. A plan introduced in June 2010 has a $20 co-pay for office visits and a lower monthly cost.
• Medicare does not pay for normal outpatient prescription medications nor do Medicare Supplement plans. Thus, its important to add a Medicare Prescription Drug Plan (Part D) which can pay part of the medication costs you may have.
• A different kind of Medicare health plan is available from private companies. They provide the benefits, under a contract with Medicare, and receive a fixed monthly payment for each person. People participating usually pay a monthly premium and then receive medical treatment through the companies network of providers. Most of these plans, which are considered Medicare Part C, also include coverage for Part D prescription expenses. Medicare Advantage in Connecticut plans often add additional coverage such as various preventive care.
• Medicare Advantage (MA) plans normally include built in Part D coverage and are usually more economical than buying a supplement plan plus a Part D plan. Thus, they are of interest to many individuals. MA plans do have co-pays for physician visits and treatments like, an emergency room visit or a daily co-pay when in the hospital. The total amount of costs you may have during the year are limited with annual maximum out of pocket (MOP) coverage.
• Another way to lower the monthly cost of a Medicare health plan and also limit your MOP is to select a Medicare Supplement with a $2,000 deductible and add a Part D plan. The result would be a monthly cost lower than a MA plan.

 

Have questions about Medicare Supplements in Connecticut or Medicare Advantage Plans in Connecticut? I encourage you to call (860) 451-9793 to talk or send a note to

How can I find out about individual medical insurance options?

There are many comprehensive options in Connecticut for individuals under age 65 including a Health Savings Account plan to meet their needs and budget.

Connecticut residents or individuals in other states can view options from various companies and their monthly rate on our partner, eHealthInsurance's easy to use site for individual medical coverage options. You can enroll on line.

Have questions on 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. This special travel coverage protection includes trip cancellation or interruption; lost baggage; medical evacuation; and more. You can review the details and cost of Trip Protector's coverage and enroll online.