Medicare Complete Advantage Plan

$0 monthly premium to be on the plan. You still have to pay your Medicare Pan B Premium.

$0 deductible on medical costs. The plan pays from the first time you go to the doctor or hospital or the emergency room.

Manageable Copays for Medical Treatments, Doctor and Hospital visits. Plan often requires referrals for specialist visits. Must use doctors and hospitals that are in the network unless for emergency purposes. Annual Out of Pocket Maximum of $3900 may apply if you have a catastrophic medical year.

Drug Plan included. You must make co-pays on your medications depending on their Tier.

Includes many Extra Benefits not covered by Medicare:
Dental $500 or more
Eye Exams and Glasses allowance
Hearing exams and hearing aid coverage
Nurse line-24/7 access & Virtual Medical visits
Fitness membership to many local gyms and YMCAs/ Quarterly Wellness catalog allowance.

Bottom line: Advantage plans work great! They are the most popular plan because there are no monthly costs and they include many extra benefits. We need to verify that your doctors and hospitals are in network and your medications are covered; and that you are OK with getting referrals to see specialists before enrollment.
You have a I-year Advantage Trial Period and can upgrade to the supplement with no medical questions asked during that time.

Plan G Medicare Supplement

In addition to your Medicare Part B Premium, you must pay your monthly Plan G premium starting at $ pending approval/underwriting.

$0 copays for medical services/treatments. After a small annual deductible of around $200, all Medicare approved medical expenses are covered--100%! This is great for budgeting purposes and peace of mind!
Freedom to choose your own Doctors and Hospitals. No Doctor networks or referrals required as long as the Doctors accepts Basic Medicare.

A separate drug plan/Part D must be added (est. $15-$40?) based on your medications.

Average rate increases have historically been around 6-7% a year but could be more.

Maximum flexibility, the plan works in all 50 states.

Extras include Vision discount, Dental discount, Nurse Line, and Fitness membership.

Guaranteed issue — You have 6 months from your Part B effective date to get the Medicare Supplement with no medical questions asked. After that, you must answer medical questions and could be denied or charged a higher rate based on your medical history/pre-existing conditions.

Must be a current AARP member to join--$16.00 per year (you can drop it anytime.)

Bottom Line: This is the "Gold Standard" ofMedicare coverage. You will have predictable out-of-pocket costs, and never worry about what your medical costs are going to be. If Medicare changes, the plan changes with it. The plans go up over the years so you must be able to pay the additional monthly premiums.

If costs become an issue, we can always switch you to an Advantage Plan during annual enrollment (Oct.15Dec.7) with no medical questions asked.

 

Kem Anderson

Medicare Planning Specialist

817-980-1475