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    • Critical Illness
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  • GROUP Ins
    • Employer NJ forms
  • Disability
    • Disability
  • Social Security
    • When Does It Start
  • National Life
    • RETIREMENT
    • NLG
    • Life Insurance
    • Life Insurance_2
    • Gift of Life
    • IRA's
    • IUL Life Insurance
    • Annuities
    • Financial Calculators
  • ValuTeachers
    • Find Out More
    • Career with ValuTeachers
    • Ready and sign up
  • Mentor Broker Program
    • BROKERS Back office
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Always Add Hospital Indemnity to your Medicare Advantage Plan

Always Add Hospital Indemnity to your Medicare Advantage Plan

Always Add Hospital Indemnity to your Medicare Advantage Plan

Always Add Hospital Indemnity to your Medicare Advantage Plan

Always Add Hospital Indemnity to your Medicare Advantage Plan

Always Add Hospital Indemnity to your Medicare Advantage Plan

understanding a medicare advantage plan

.

GUIDE BOOK

KNOW THE DIFFERENCES before you go

VERY DIFFERENT FROM ORIGINAL MEDICARE

You are responsible for Copays, Deductible, Coinsurance up to your Max Out of Pocket each year (they run 6,700-10k)  They also will have Prior Authorizations for procedures that could be denied.  So, while there is no premium up front on some of these plans, on the back end when you need to use the plan is when you will pay

Get your GUIDE

BEWARE

 

If you’ve been enrolled in your Medicare Advantage plan for less than a year, I have good news.

When you enroll in a Medicare Advantage Plan for the first time and find that it doesn’t meet your needs, you have a one-time 12-month trial period. 


During this period, you can return to Original Medicare. You also have the option to reclaim your previous Medigap policy, provided your carrier hasn’t discontinued the plan.

You can also apply to a different Medigap plan. However, you may face medical underwriting (you'll need to answer medical questions on the application).


Must be done PRIOR to the Medicare Advantage Disenrollment period  

 January 1 to February 14 each year. During this time, you can disenroll from a Medicare Advantage plan and return to Original Medicare (Part A and Part B) and apply for a MedSup and also enroll in a stand-alone Part D prescription drug plan. 


Disenrollment requests are effective on the first day of the month following the request date. For example, if you disenroll in February, it won't go into effect until March 1. 



Advantage plans

Medicareful

Medicareful

Medicare Advantage Plans

Part C

Available in ALL States


  • No Monthly Premium (usually)
  • Must use their doctors
  • Might need referrals
  • Might have network restrictions.
  • Prescription drug coverage is included with most plans
  • Might include some additional benefits that MedSups don't like; Dental, Vision, Hearing tests, Hearing Aids, Fitness, Podiatry and Rides to doctor appoitments. 
  • Extra Help for Low Income Individuals
  • Special Needs Plans for individuals who have chronic considtions.
  • Dual Needs for individuals who have Medicare and Medicaid-excellent plan offerings.

Medicareful

Medicareful

Medicareful

Quote your own Medicare Supplements or Advantage plans and see the differences

WHAT YOU NEED TO KNOW ABOUT MEDADVANTAGE

The inside workings of a Medicare Advantage might not be what you want if you are not a healthy individual.  Once you become ill in these plans, you most likely WON'T be able to go back into a Medicare Supplemental plan which is usually the way to go.  We can give you more education on this.

Timing is everthing

Considering a Medicare Advantage Plan (MAPD)

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