Tom Milonas » supplement

Comparing Medicare Supplement Insurance Plan Coverage

Tom Milonas — Thu, 19 Mar 2009 13:03:37 +0000

For seniors who want supplement insurance, many private insurance companies offer Medicare Advantage plans with low premiums. Eligible seniors include those enrolled in Medicare Part B. Premiums are offered at lower rates because the federal government provides insurance companies subsidies to enroll seniors in the medicare supplement plans.

The Medicare Advantage medical coverage is offered by private insurance companies and is an alternative to Medicare. The following types of Medicare Advantage plans all offer medical and drug coverage together, making it simpler to purchase one policy instead of several separate policies.

1)Medicare health maintenance organizations are less expensive, but there are limitations about going outside of the network of doctors and hospitals for medical treatment.

2)Preferred-provider organizations, have a network of preferred doctors and hospitals within a state. They allow patients to see providers out of the network at increased copayments.

3) Private fee-for-service plans allows the most freedom by letting the patient see any doctor of choice that accepts the health insurance. If you already have a doctor, make sure they participate as a provider before deciding on this type of coverage.

Many Medicare Advantage plans also include vision and dental coverage and have lower copays than Medicare. Although the co-pays for more expensive services such as hospitilization and surgery tend to be higher. If seniors have had hospitalizations in the past, make sure to check out the limitations on hospital coverage with the Medicare Advantage plans.

It is important to understand all the restrictions for Medicare Advantage plans before choosing. Take the time to ask a reputable insurance agent about all the Medicare options available and compare them with other types of supplemental insurance to make an informed decision about your medical coverage.

By Guest Writer: Elliot Bigman

How You Can Get Affordable Supplemental Health Care Insurance For Seniors

Tom Milonas — Wed, 18 Mar 2009 13:15:44 +0000

Our older years are supposed to be our golden years, yet many seniors are faced with financial burdens they shouldn’t have to deal with – especially after long lives of education, taking care of families, working, and paying taxes! Where’s the fun in the golden years if they’re spent worrying about how to pay for the left over health care costs that Medicare failed to pick up?

That’s where affordable supplemental health care insurance for seniors comes into the picture. By purchasing an affordable supplemental health care insurance policy, seniors can rest assured that all of their health care costs will be covered, and not just the health care Medicare covers.

When seniors purchase an affordable supplemental health care insurance policy, they can stop stressing about the next health care bill the mailman drops off. After all, if you already have health care insurance, you shouldn’t have to worry about health care coverage and costs, right? Wrong. Some health care insurance, such as Medicare for seniors, doesn’t cover all health care costs. Luckily, with an affordable supplemental health care insurance policy, seniors won’t have to stress anymore.

Many health insurance companies offer affordable supplemental health care insurance policies that are perfect for seniors; however, Medicare offers several affordable supplemental health care insurance policies for seniors as well. When choosing an affordable supplemental health care insurance plan for seniors, the goal is to choose a plan that isn’t going to cost anymore than paying for the additional health care costs out-of-pocket would cost. Many seniors are on limited incomes as it is, so considering one of the plans Medicare offers is a good start.

Medicare plans include the original Medicare with Medicare Supplement plan; the Medicare Part D plan which offers prescription drug coverage; the managed care plan, which includes HMOs, PPOs, POS, and cost plans; the Medical Savings Account Plan; the Religious Fraternal Society Benefit Plan; and the Private Fee-for-Service plan.

By Guest Writer: Elizabeth Newberry

Approaching RETIREMENT?

Tom Milonas — Thu, 17 Apr 2008 12:54:59 +0000

During your working years,your employer probably provided your health plan options.

However ,upon retirement, it is going to be up to you. You may not know it, but there are a variety of Medicare plans to consider.

As a representative of health care plans, and one who focuses on Medicare plan options,I can help provide you with a no-obligation Medicare analysis.

Call me today to learn about the types of plans available to you. I’m certain I can help you review your options and find a plan that fits your retirement needs as well as your budget.

One of the fastest growing plans is a Medicare Advantage Plan that:

* has predictable monthly health premiums

*includes prescription drug coverage

*offers predictable payments for doctor office visits

*Eliminates the need for costly Medicare supplement (medigap) policy

*gives you better coverage than original medicare

Call today. I’m here to help

Tom