Medicare Supplement or Medigap Plans.
If you qualify to receive Medicare, a supplemental plan can fill in the gaps that Medicare doesn’t pay for. That is why this type of policy is sometimes called a Medigap policy. Plan G provides the physicians and other providers with payment that is similar to group health insurance for their services. This allows you to be treated by providers that will accept Medicare reimbursement, for little or no cost to you. Unlike a Medicare Advantage plan, you are not required to utilize a small network of local providers. You can travel without fear of being out of network. There are no co-pays, no deductibles except for the first $226 of Part B services on plan G, and no percentages to pay. Your monthly premium is the only factor in budgeting your healthcare, and your costs do not escalate when you utilize services. Deciding a course of treatment is between you and your doctor, and not a decision by a Medicare Advantage company. As long as Medicare covers the particular service, you can have the procedure done. Medicare with a supplement policy is a very solid way to cover your healthcare in the future.
This year the federal government is requiring the statement below.
We do not offer every plan available in your area. Currently I represent six organizations, which offer eighteen products in your area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program to get information on all of your options.
There is another new federal requirement. All calls pertaining to the Part D drug plans or Medicare Advantage need to be recorded and retained for 10 years. I have set up a secure system to accomplish this new requirement. However, our conversations in person or through email do not fall under this new requirement.
I would be glad to run a Part D drug plan evaluation for you, to see which drug plans are your best options for January first of next year. In order to run a Part D drug plan evaluation I will need two things.
First, I will need the name of each medication, the dosage, how often you take them, and the name of the local pharmacy you utilize. I would also need to know if you need to take the Brand name version of any medication.
Second, I am not allowed to show you information or have a discussion with you about the Part D drug plans until you give me formal permission. The attached Scope of Appointment Form form provides that permission. This is a federal government requirement, which is designed to protect the consumer from unwanted marketing. You would need to initial the boxes next to the topics that you would like to discuss. The first choice on the form is for the drug plans, titled Stand-alone Medicare Prescription Drug Plans (Part D). Then you would need to sign and date just below that, where it says Beneficiary or Authorized Representative Signature and Signature Date. Then please return the form to me, along with your drug list. I will put together a recommendation, by way of the www.medicare.gov website. The plans that I will show you are the three plans that were the most competitive on this website. I can then point out the advantages of each plan, and we can discuss which plan most closely meets your specific needs.
Dental Insurance
Taking care of your dental health is very important to your overall health. This coverage is high quality, but there are waiting periods for the more expensive treatments. If you were covered by another dental policy for the last year, the waiting period may be waived. Otherwise, dental plans have a six month to one year wait for the more expensive services. The plans offered through Pacific Source can be started throughout the year, but the MODA Health / Delta Dental plans can only be started on January first, by applying during the November first through December fifteenth open enrollment. Moda Health / Delta Dental will allow you to start a dental policy at other times, if you are loosing your current dental coverage.
For a consult feel free to call me directly or fill out the form below and I will contact you as soon as possible.
Apex Insurance 