Proverbs 3: 5-6
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1-800-460-8238 OR E-MAIL US
FOR A FREE QUOTE!

Let
National Benefits Group help you find a better plan for your Medicare
dollars in 2013!
So many plans, so many choices- it can be
overwhelming! However, we'd like to make it simple.
Basically, if you're eligible for Medicare
currently, or are turning 65 soon, you have two options available to
help cover some of those additional costs that original Medicare doesn't
cover:
1) Medicare Supplements (also called "Medigap"
coverage)
or
2) Medicare Advantage plans (also called
"Part C")
HERE'S A SIMPLE CHART TO EXPLAIN THE DIFFERENCES
BETWEEN THE TWO IN A NUTSHELL:
(We encourage you to visit www.medicare.gov
for more details and explanations of your Medicare plan choices.)
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MEDICARE
SUPPLEMENTS:
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You pay a higher premium, and for that the
insurance company pays most if not all the medical expenses
not covered by Medicare, including inpatient, outpatient, doctor
visits, nursing care and more. |
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Does NOT include Part D prescription drug
coverage- you will need to sign up for a standalone drug plan for an
extra premium if you wish to have drug coverage. |
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Premium rates may increase each year as you get
older. |
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You are guaranteed to be approved, regardless of
health history if you are just turning 65, or if your current plan
is being discontinued. However, if you wish to switch to
another medicare supplement plan later, you may need to be
underwritten again, and coverage may not be guaranteed, based on
your health status. |
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You can apply to switch or change your supplement
plan anytime. |
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MEDICARE
ADVANTAGE:
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Most plans offer a small,
or even NO premium, but you will have out of pocket co-pays and
co-insurance when you need medical treatment. |
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Many Medicare Advantage
plans have Part D drug coverage built-in for little or sometimes NO
extra cost, depending on the plan. |
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Premiums don't
automatically increase each year due to age. |
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Most pre-existing health
conditions are acceptable, and will not cause you to not be accepted
for coverage. |
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To provide service to you,
doctors must first accept the plans terms and conditions, or be part
of the plan's network (except in emergency situations). |
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You can sign up or switch
to another Medicare Advantage plan only during the Annual Election
period (which falls towards the end of each year), or under special
circumstances. |
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