Medicare Plans

Medicare Plans

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The 2010 Medicare Season is Here!

Let National Benefits Group help you find a better plan for your Medicare dollars in 2010!

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 those costs that original Medicare doesn't cover:

1) Medicare Supplements (also called "Medigap" coverage)

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.)

MEDICARE SUPPLEMENTS:

	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.
	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.
	Premium rates usually increase each year as you get older.
	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 will need to be underwritten again, and coverage may not be guaranteed, based on your health status.

MEDICARE ADVANTAGE:

	Most plans offer a very small, or even NO premium, but you will have out of pocket co-pays and co-insurance when you need medical treatment.
	Many Medicare Advantage plans have Part D drug coverage built-in for little or sometimes NO extra cost, depending on the plan.
	Premiums don't automatically increase each year due to age.
	All pre-existing health conditions are acceptable, except for End Stage Renal Disease or if you are currently residing in a nursing home.
	Doctors must accept the plans terms and conditions.
	You can sign up or switch to another Medicare Advantage plan only during the Annual or Open Enrollment period of November 15 to March 31.