More than one in four beneficiaries are enrolled in a Medicare Supplement (Medigap) plan. These plans work alongside Original Medicare and provide financial protection like help paying for your deductibles, coinsurance, and copays. There are ten different types of plans (A, B, C, D, F, G, K, L, M, and N) and each letter represents a different level of protection for a different price. You can have fewer benefits for a smaller monthly premium, or get more benefits for a slightly higher monthly premium. Is Medigap Plan M right for you?
What is Medigap Plan M?
Medigap Plan M is one of the cheaper options on the market because it doesn’t offer as many benefits. However, it still has more benefits than other plans (like plans K, L, and A). Specifically, Plan M covers:
100% of blood work copays (up to three pints)
100% of hospice coinsurance & copayments
100% of skilled nursing facility insurance
100% of your Part A coinsurance & hospital costs
100% of your Part B coinsurance & copayments
100% of your Part B excess charges
50% of your Part A deductible
80% of a foreign travel emergency
The only benefit that is not covered is the Part B deductible. The only plans that cover the Part B deductible are Plan F and Plan C, but they are both going away in 2020. This is because Congress found that paying the Part B deductible encouraged people to go to the doctor more often than needed. You will need to enroll before 2020 to be grandfathered-in. However, if you choose to enroll in another plan (like Plan M), you will be responsible for the Part B deductible, but it’s only $185 in 2019.
Medicare Plan M vs. Medicare Part M (Are They Different?)
Medicare can be overwhelming, and it’s easy to confuse all the different parts and plans. Medicare “parts” refer to parts A and B (Original Medicare), Part C (Medicare Advantage), and Part D (prescription drug coverage). “Medicare plans” are generally referring to Medigap plans, and as we mentioned there are ten different types. There is no “Medicare Part M.” The proper name for Medicare Plan M is “Medicare Supplement Plan M” or “Medigap Plan M.”
Medigap Plan M Eligibility
To be eligible for any Medigap plan, you must be enrolled in parts A and B first. Medigap plans are sold through private insurance companies. However, most states are not required to sell Medigap plans to beneficiaries under 65. This means if you qualified for Medicare through ESRD (end-stage renal disease), ALS (Lou Gehrig’s disease), or SSDI (Social Security Disability Income) and are not 65, you can be denied Medigap coverage. To find out if you’re eligible, click here or give us a call at 844-431-1832.
What is the Cost of Medigap Plan M?
Medigap plans (A, B, C, D, F, G, K, L, M, and N) are generally very similar no matter which carrier you buy from. For example, Plan M from Carrier one would offer mostly the same benefits as Plan M from Carrier two. However, pricing can differ based on carrier, zip code, age, gender, and tobacco use. Our licensed agents can show you all of the available plans in your area and help you enroll in the plan with the best price. Click here or call 844-431-1832 to contact a licensed agent.
Medicare Plan M Reviews
Top Medigap carriers for 2019 include:
AARP
Aetna
Blue Cross Blue Shield
Cigna
Conseco
Gerber
Mutual of Omaha
Liberty National
Oxford
Physicians Mutual
State Farm
TransAmerica
Medicare Plan M vs Plan N (and other popular plans)
Some people confuse Medigap Plan M with Plan N. Plan N is one of the most popular plans (along with Plan G). Plan G covers everything except the Part B deductible. More specifically, it covers:
Blood work copays up to three pints (100%)
Foreign emergency travel (80%)
Hospice coinsurance and copayments (100%)
Part A coinsurance and hospital costs (100%)
Part B coinsurance and copayments (100%)
Part A deductible (100%)
Part B excess charges (100%)
Skilled nursing facility coinsurance (100%)
The only benefit that is included in Plan G that Plan N does not cover is the Part B excess charges. However, excess charges are relatively rare. You will only be charged an excess charge if your provider does not accept Medicare. If you would prefer to pay a bit more towards your monthly premium in exchange for coverage on excess charges, Plan G may be perfect for you.
Other popular plans include Plan F and Plan C, but as we mentioned, they are going away in 2020. These plans are popular because they cover the Part B deductible. The only difference between Plan F and Plan C is that Plan F covers Part B excess charges. Click here to find out which Medigap plan is best for you.
How to Enroll in Medigap Plan M
Did you know you can enroll in Medigap Plan M (or any Medigap plan) any time of the year? But if you wait too long, carriers can charge you more or even deny you coverage based on any health conditions you may have. Your best bet is to enroll during your Initial Enrollment Period (IEP). During this time, you shouldn’t be denied or charged more based on any conditions. If you IEP has already passed, that’s okay! One of our licensed can still show you plans that are available in your area. Click here or call 844-431-1832h.
Medicare Dental Plans: What You Need to Know
According to the National Institute of Dental and Craniofacial Research, most people over the age of 65 are missing an average of 13 teeth. In fact, it is estimated that 27% have no remaining teeth at all. Dental problems are among the most common health issues for older adults. A Medicare dental plan can make a huge difference in you having a bright, healthy smile.
Original Medicare (Part A and B) covers very few dental-related costs. Jaw diseases, oral cancer, face tumors, or face fracture-related procedures and infections caused by dental procedures are covered by Medicare Part B. Oral examinations may be covered by Part A if they are related to another hospital stay. However, Original Medicare does not cover important services to prevent or detect severe dental problems such as routine exams or cleanings. Furthermore, Original Medicare doesn’t cover dentures, denture care, fillings or pullings. Medicare Advantage plans can fill in those gaps.
Medicare Supplemental Dental Insurance or Stand-Alone Plans
Medicare Supplemental Dental Insurance | Medicare Plan Finder
Even though Original Medicare does not cover the majority of dental services, there are a couple of options for Medicare supplemental dental insurance plans or stand-alone plans to help you save money.
Medicare Advantage
Medicare Advantage (MA) plans are private insurance plans that contract with Original Medicare. MA plans offer the same coverage as Original Medicare, but they can include additional benefits such as dental, vision, and hearing coverage. Some plans even offer coverage for fitness classes!
Medicare Advantage plans may include dental coverage for services including:
Cleanings (prophylaxis)
Dental X-rays
Diagnostic services
Endodontics (root canal treatment)
Extractions
Oral exams
Restorative services such as fillings
Periodontics (gum disease and oral inflammation treatment)
Extractions
Prosthodontics (crowns, bridges, dental implants, and dentures)
Medicare Advantage dental services typically come with a copay or coinsurance. Your coinsurance will usually be a percentage. For example, you will owe 20 percent of the covered service costs. A copay is a set dollar amount that you will owe for services, such as $20 for X-rays, an exam, and cleaning.
You will usually have a monthly premium with your Medicare Advantage supplemental dental insurance plan, but some areas have plans with $0-premiums.
There may be many MA plans in your area to choose from, and it may seem daunting. A licensed agent with Medicare Plan Finder can help you find a plan that fits your budget and lifestyle. Our agents are highly trained and they are experts in Medicare Advantage. They are dedicated to finding the best plan for you.
Find Medicare Advantage Plans | Medicare Plan Finder
Stand-Alone Dental Insurance Plans
Some people may find that Medicare Advantage plans don’t offer coverage for the dental care they need, or that the MA plans in their area don’t offer dental coverage. Those people may find coverage through private dental insurance plans that aren’t contracted with Medicare.
Many stand-alone dental insurance plans cover 100 percent of routine and preventive care, such as cleanings and exams. You will likely owe a monthly premium, but you may save money overall because you won’t have as many out-of-pocket costs.
Dental insurance plans can also cover 70-80 percent of treatments such as fillings or extractions. You may pay 50 percent of major procedures such as crowns or bridges.
Dental Savings Plans
A dental savings plan is much like a shopping club: you pay an annual or monthly fee and you get discounts from a certain group of dentists. This type of savings plan is not insurance, but it is a way to save money on dental care.
Dental Issues Facing the Elderly
Researchers have found links between poor oral health and other health problems such as cardiovascular disease, dementia, respiratory infections, diabetes, cancer, and more. It’s important to be aware of elderly dental problems so you can rectify the issue as soon as possible. Some common problems include:
Darkened Teeth
As you age, your teeth become discolored naturally. When enamel wears away, dark dentin underneath is exposed. These bone-like tissues lie underneath your tooth enamel. Dentin is affected by your diet and medications. Smoking and drinking coffee, tea, and soda can contribute to the darkening of your teeth.
Dry Mouth
Dry mouth is caused by a lack of saliva. As you age, you may start taking more medications which could result in a dry mouth. When our mouths are producing the proper amount of saliva, our teeth are protected from decay and bacteria. Although it may seem like a minor issue, dry mouth can lead to viruses and fungi forming in your mouth. Dehydration from excessive sweating, vomiting, and diarrhea can also lead to dry mouth. Be sure to drink a minimum of 8 glasses of water a day. Water is crucial for dental hygiene. Plus, vital organs in your body perform best when you’re hydrated!
Root Decay
If you do not exercise proper oral hygiene habits, your gums can recede. When this happens, your roots are exposed. Tooth roots are covered by cementum, not enamel. Cementum is responsible for anchoring the tooth to the jawbone. However, cementum is not designed to protect your teeth the same way as enamel. When this part of the tooth is exposed, your risk of tooth decay increases. The naked eye can not see tooth decay, so it’s important to practice good dental hygiene and visit your dentist regularly.
Gum Disease
Have you ever experienced gum bleeding while brushing your teeth? This is a sign that you may be developing gum disease. Gum disease develops when there is an excess of plague caused by small pieces of food being left in your teeth. This is often caused by a lack of brushing or flossing. The risk of gum disease is higher in those who smoke tobacco, have unhealthy diets, or wear poor-fitting dentures. Gum disease can lead to tooth loss and many other health issues in your body.
Oral Cancer
When cells on your lips or mouth have changes in their DNA, a cancerous tumor can form. Oral cancer can appear on your lips, cheek lining, gums, tongue, and top of your mouth. Symptoms include a sore that won’t go away, red or white patches, numbness, and difficulty chewing, swallowing, or speaking. Having a healthy diet and avoiding excess sun exposure to your mouth and lips can help prevent oral cancer or at least limit your symptoms. However, regular visits to your dentist are the best way to find and fix any underlying issues.
Best Oral Hygiene Practices
Proper dental care for seniors and Medicare eligibles doesn’t have to be a daunting task. Spending a few extra minutes a day on your teeth can help prevent some of the common elderly dental problems discussed above. If you’re looking for easy ways to improve your dental hygiene, follow these simple tips:
Brush your teeth twice per day with fluoride toothpaste
Floss once per day
Use an electric toothbrush
Use mouthwash after brushing your teeth
If you wear dentures, clean them daily
Visit your dentist regularly
Drink plenty of water
Get Medicare Dental Insurance Today
Many seniors and Medicare eligibles may be watching their income, and that’s where Medicare Plan Finder can help. Your agent can help find a Medicare Advantage plan that covers your necessary medical expenses including dental coverage.
When you enlist Medicare Plan Finder’s help, you get an expert in Medicare on your side who can help you weigh the pros and cons of the plans in your area, and help you decide if a Medicare Advantage plan with dental coverage, a stand-alone dental plan, or a dental savings plan is right for you. Call 844-431-1832 or contact us here to learn more today.
This post was originally published on December 13, 2018, by Kelsey Davis, but was updated on July 03, 2019, by Troy Frink.
7 Incredible Superfoods for Seniors
Remember when your mom told you to eat your fruits and vegetables? Well, she was right. They can help prevent arthritis, heart disease, stroke, dementia, and even cancer.
Many fruits and vegetables (and even some drinks) are considered to be “superfoods.” These foods are rich in compounds and nutrients and have become increasingly popular in recent years. As you age, the following superfoods for seniors can provide missing nutrients in your diet and help prevent certain medical issues.
#1 Kale
Kale is full of vitamins. In fact, eating one cup of chopped kale gives you 200% of your daily value of vitamin A, 134% of your daily value of vitamin C, and nearly 700% your daily value for vitamin K. Alongside these vitamins, kale is full of omega-3 fatty acids, which can help prevent blood clotting. The high amount of fiber and calcium contribute to bone and eye health while lowering cholesterol levels.
#2 Blueberries
Among all fruits and vegetables, blueberries are ranked as having the highest level of antioxidants. They are also rich in dietary fiber, which improves brain function and lowers the risk of heart disease, diabetes, and cancer. Blueberries may also help lower your blood pressure, improve memory, and fight urinary tract infections.
#3 Legumes
A legume is a fruit or seed of a plant. Some of the healthiest legumes include chickpeas, lentils, peas, kidney beans, black beans, soybeans, and pinto beans. Legumes have vitamins and minerals that help with anti-inflammatory issues. They also help to improve blood vessel function, cholesterol levels, and heart health. Plus, legumes are low in fat, packed with protein, nutrient-rich, and wallet-friendly.
#4 Green Tea
Green tea has been used as an anti-aging secret in China and Japan for centuries. According to an ancient Chinese proverb, it’s “better to be deprived of food for three days, than tea for one.” This drink is a rich source of antioxidants, reducing the risk of bladder, prostate, breast, stomach, and blood cancers. It can also improve your brain function and promote oral health.
#5 Pomegranates
These vitamin-packed fruits reduce the risk of stroke, heart attack, high blood pressure, and diabetes. Pomegranates are full of antioxidants and can lower cholesterol levels. They can even protect your cells from damage and help reduce inflammation. Pro tip: beating a wooden spoon on a pomegranate is an effective method to remove the seeds!
#6 Avocados
Avocados are a versatile fruit that are high in healthy fats without cholesterol or sodium. You can integrate avocados into almost any meal or even put them in a fruit smoothie. Avocados protect your body from heart disease and promote healthy eyes and brain function. They contain more potassium than bananas and are full of healthy fatty acids and fiber.
#7 Red Wine
Drinking is commonly perceived as an unhealthy decision, and while it does have addictive properties, a glass of red wine in moderation has great health benefits. Some of these benefits include the prevention of tooth decay and gum diseases and the reduction of osteoporosis and certain cancers. Please note, the National Institute of Health recommends that individuals exceeding 65 years of age should not consume more than seven drinks per week (one drink is equivalent to five ounces of wine).
Other Superfoods for Seniors
There are several additional superfoods for seniors beyond the top seven. Some of our favorites include:
Salmon
Salmon is an excellent source of vitamin D and is one of the healthiest proteins for older adults. It can help lower the risk of heart disease if you eat at est eight ounces per week. Salmon can also promote bone health as it helps the body absorb more calcium.
Tomatoes
Tomatoes can help promote bone health, which is generally a large concern as you age. They can help prevent conditions like osteoporosis and lower the risk of digestive tract cancers and heart disease. Tomatoes are an excellent source for vitamin C, vitamin K, and potassium. Try some tomato soup!
Sweet potatoes provide nutrients alongside a sweet flavor. They naturally contain benefits that help prevent diseases and boost your immune system. They are full of anti-inflammatory nutrients and vitamins A and C. This makes sweet potatoes an excellent choice for someone suffering from arthritis or asthma.
Importance of Health Coverage for a Healthy Lifestyle
Superfoods are nutrient-packed powerhouses that drastically contribute to your health. These foods will continue to gain exposure in the coming years and be implemented into more meals and recipes. Which superfood are you most excited to try?
These superfoods do not diminish the importance of a healthy lifestyle and the right healthcare coverage for your specific needs. At Medicare Plan Finder, our agents are contracted with all of the major carriers so you can review the plans in your area without a bias. To get started, click here, or call 844-431-1832.
This blog was originally published on 7/26/18, but was updated on 7/2/19.
Medigap and Pre-Existing Conditions (& How it Impacts You)
A pre-existing condition is a medical condition that started before a person’s health benefits went into effect (like diabetes, COPD, cancer, sleep apnea, etc.) Some of the most common questions we get are, “Do pre-existing conditions impact your Original Medicare coverage? What is considered a pre-existing condition? How do Medigap and pre-existing conditions work?”
Original Medicare and Pre-Existing Conditions
Before we dive into Medigap and pre-existing conditions, let’s discuss the role of Original Medicare. A pre-existing condition cannot stop you from enrolling in parts A and B, and you will not be charged more due to your condition. This is great news for those who have been previously diagnosed with asthma, diabetes, cancer, or some other chronic health condition. However, your out-of-pocket costs can quickly add up if you’re only enrolled in Original Medicare. Fortunately, Medicare Supplements can help!
What are Medicare Supplements?
Medicare Advantage and Medicare Supplements are two very different types of plans. Medicare Advantage plans are stand-alone plans that offer the same benefits as Original Medicare. These plans often include extra health benefits like hearing, vision, dental, or group fitness classes (like SilverSneakers® and Silver & Fit®). Medicare Supplement (Medigap) plans offer financial protection but usually do not include additional health benefits.
You cannot be enrolled in a Medicare Advantage and Medicare Supplement plan at the same time. If you aren’t sure which type of plan is best for you, one of our licensed agents can help! To get started, click here or call 844-431-1832.
The average beneficiary enrolled in Original Medicare spends roughly $4,300 each year on premiums, deductibles, copayments, and other Medicare-related costs. Medicare Supplement (Medigap) plans can be purchased to work alongside Original Medicare to help cover these costs and provide financial protection through a range of benefits. These benefits include:
Blood work copays (up to three pints)
Foreign emergency travel
Hospice coinsurance and copayments
Part A coinsurance and hospital costs
Part A deductible
Part B coinsurance and copayments
Part B deductible
Part B excess charges
Skilled nursing facility coinsurance
There are ten different types of Medigap plans that you can choose from, and each plan offers a different combination of benefits. Generally, the more benefits a plan has, the higher the monthly premium will be. Medigap plans do not replace Original Medicare, and you must be enrolled in parts A and B first.
Popular Medigap Plans
The most popular Medigap plans are generally the ones that offer the most comprehensive coverage. They typically have higher monthly premiums, but they help you save money in the long-run. These plans include:
Plan F and Plan C are going away in 2020. They are the only two plans that cover your Part B deductible. Congress believed that covering the Part B deductible made the plan too inclusive, and people were encouraged to visit the doctor too often because it was practically free. If this specific benefit is important to you, you need to enroll before 2020. To get started, click here or call 844-431-1832.
Do Medicare Supplements Cover Pre Existing Conditions?
In general, if you enroll in Medigap when you are 65, you may not be penalized for preexisting conditions. However, if you are not yet 65 or if you wait too long, you may be charged more or denied based on your preexisting conditions.
However, if you can’t get a reasonably priced Medigap plan, there are hundreds of disabilities that are automatic qualifiers for Medicare Advantage Chronic Special Needs Plans. You do not have to be 65 to qualify for these plans as long as your disability is a qualifier.
Medigap Plans Eligibility
To be eligible for a Medigap plan, you must be enrolled in parts A and B first. Medicare Supplements are sold through private insurance companies. However, states are not required to sell Medigap plans to beneficiaries under 65. This means if you qualified for Medicare through ESRD (end-stage renal disease), ALS (Lou Gehrig’s disease), or SSDI (Social Security Disability Income) and are not yet 65, you can be denied a Medigap plan.
Medicare Supplements for Beneficiaries Under 65
When Can I Buy Medigap?
If you apply for a Medigap plan, you have certain rights guaranteed by federal law. These are called “guaranteed issue rights,” and they protect you from being denied healthcare. During your Initial Enrollment Period (IEP), you cannot be overcharged or denied access to Medigap based on pre-existing conditions.
You can purchase a Medigap plan year-around, but if you do not purchase a Medigap plan during your IEP, you can be denied coverage or required to pay a higher premium. This occurs through medical underwriting where the insurer can consider your age, gender, and pre-existing conditions you have been diagnosed with or treated for in the last six months. Plus, some insurers can refuse to cover your pre-existing condition for up to six months. This is called your waiting period. This can be avoided or shortened if you have had creditable health coverage. Insurers classify creditable health coverage to be any form of healthcare that has been active for at least 63 consecutive days.
Medigap Plan Finder
If a Medigap plan is something that sounds interesting to you, your best Medigap plan finder tool is a licensed agent! Our licensed agents are contracted with all of the major plans and carriers to eliminate any bias when showing you plan availability and costs. If you’re interested in speaking with a licensed agent or setting up an appointment, click here or call 844-431-1832.
This blog was originally published on 10/28/18, but was updated on 6/14/19.
What is Medigap Plan L?
Medicare Supplement plans (also known as Medigap plans) work alongside Original Medicare to provide financial benefits and protection. More than nine million beneficiaries are enrolled in a Medigap plan, and enrollment increases each year.
There are ten standardized plans broken down by letters (A, B, C, D, F, G, K, L, M, and N). Each letter represents a different range of coverage for a different price. You can have fewer benefits for a smaller monthly premium, or get more benefits for a slightly higher monthly premium.
Most plans are guaranteed renewable for life, meaning as long as you pay your premium on time, you should not be canceled from your plan due to a new health condition. Plans are also generally the same regardless of which carrier you enroll with. If you’re looking for financial benefits to supplement your Part A and B, Medigap Plan L may be perfect for you.
What Does Medigap Plan L Cover?
Medigap Plan L is one of the cheaper options on the market because it doesn’t cover as much as some of the other plan types. Specifically, Plan L covers:
100% of your Part A coinsurance & hospital costs
75% of blood work copays (up to three pints)
75% of hospice coinsurance & copayments
75% of skilled nursing facility insurance
75% of your Part A deductible
75% of your Part B coinsurance & copayments
Other benefits of Medigap plans include coverage for:
Part B deductible
Part B excess charges
Foreign travel emergency
Plan L Costs
Medigap plans (A, B, C, D, F, G, K, L, M, and N) are generally very similar no matter which carrier you buy from. This means that, for example, Plan L from Carrier 1 would offer mostly the same benefits as Plan L from Carrier 2. However, pricing can differ based on carrier, zip code, age, gender, and tobacco use. Our licensed agents can show you all of the available plans in your area and help you enroll in the plan with the best price. Click here or call 844-431-1832 to contact a licensed agent.
Medicare Supplement Eligibility
To be eligible for a Medicare Supplement plan, you need to be enrolled in Original Medicare (Part A and B). Medigap plans are sold through private insurance companies and are not required to sell a plan to beneficiaries under 65. This means if you qualified for Medicare by turning 65, having ESRD (end-stage renal disease) or ALS (Lou Gehrig’s Disease), or through Social Security Disability Income (SSDI), you may not be eligible for a Medigap plan. However, a licensed agent can help you find any available plans in your area that you may qualify for. Click here or call 844-431-1832 to contact a licensed agent.
Plan L Reviews
Some of the top Medigap carriers for 2019 include:
AARP
Aetna
Amerigroup
Cigna
Humana
Mutual of Omaha
WellCare
Popular Medicare Supplements
Some of the most popular Medigap plans are Plan G and Plan F because they offer the most coverage. Plan F is almost identical to G, the only difference is Plan F covers the Part B deductible. However, Plan F is going away, and you must be enrolled in Plan F no later than January 1, 2020, to maintain coverage. Plan G is cheaper than Plan F with almost identical benefits, so many beneficiaries prefer Plan G.
If you would prefer to pay a higher monthly premium, but have more financial protection, Plan G or F may be right for you. Contact a licensed agent to talk about plan specifics. Click here or call 844-431-1832.
Enroll in a Medigap Plan
You can enroll in Medigap Plan L (or any Medicare Supplement plan) any time of the year, but if you wait too long, carriers can charge you more or even deny you coverage based on your health conditions. You should consider enrolling in a Medigap plan during your Initial Enrollment Period (IEP). During your IEP, you should not be denied or charged more for any pre-existing conditions. If your IEP has already passed, that’s okay! A licensed agent can still show you plans in your area and help you enroll in a qualified plan. Click here or call 844-431-1832 to contact a licensed agent.
Guide to Medicare Supplement Plan N
Medicare Supplement plans, also known as Medigap plans, add financial benefits that work alongside Original Medicare. More than nine million beneficiaries are taking advantage of this additional financial protection, and enrollment continues to increase each year.
There are ten different types of Medigap plans, (A, B, C, D, F, G, K, L, M, and N), and each letter represents a different level of coverage. Plans are the same regardless of which carrier you enroll with. This means if you want to enroll in Plan N, the benefits are the same whether you enroll with Aetna, Cigna, etc.
Plus, most plans are guaranteed renewable life, which means you shouldn’t be dropped if a new health condition develops (as long as you pay your monthly premium on time). If you’re looking for financial benefits to supplement your Original Medicare, but don’t want a huge monthly premium, Medicare Supplement Plan N may be right for you.
What is Medicare Plan N?
Medicare Supplement Plan N was introduced in 2010 and has been a popular choice for beneficiaries ever since. Plan N covers:
Part A coinsurance and hospital costs
Part B coinsurance and copayments
Blood work copays up to three pints
Hospice coinsurance and copayments
Skilled nursing facility coinsurance
Part A deductible
Foreign travel emergency
Medicare Supplement Plan N Eligibility
To be eligible for any Medicare Supplement plan, you must be enrolled in Part A and B first. Medicare Supplements are sold through private insurance companies. However, most states are not required to sell Medigap plans to beneficiaries under 65. This means if you qualified for Medicare through ESRD (end-stage renal disease), ALS (Lou Gehrig’s disease), or SSDI (Social Security Disability Income) and are not 65, you can be denied a Medigap plan. To find out if you’re eligible, click here or give us a call at 844-431-1832.
What is the Cost of Medicare Supplement Plan N?
As we mentioned, plan benefits are usually the same from carrier to carrier. However, that doesn’t mean the pricing is the same. Plan N requires some cost sharing in certain situations. There is typically a copayment of up to $20 for doctor appointments and $50 for hospital admittance. Medicare Plan N does not cover the Part B deductible ($185 in 2019) or Part B excess charges. Part B excess charges are up to 15% of what Medicare paid for a product or service. You are only responsible for the excess charges if your doctor does not accept Medicare assignment rates.
The cost of your monthly plan premium will vary based on your zip code, age, gender, and tobacco use. There’s no need to overpay for a plan if there is a cheaper plan available in your area that offers identical benefits. Our licensed agents can show you plans specific to your zip code and can help prevent overpaying. Click here or give us a call at 844-431-1832.
Medicare Supplement Plan N Reviews
If plan benefits are the same across carriers, why are some plans reviewed higher than others? Well, price is a huge factor. Companies with higher customer ratings have plans with higher ratings. Lastly, customer service is an important factor. Here is a list of some of the top Medigap carriers for 2019:
AARP
Aetna
Amerigroup
Cigna
Humana
Mutual of Omaha
WellCare
Medicare Plan N vs Plan G
Medicare Supplement Plan G is another popular Medigap plan. The only benefit that is included in Plan G that Plan N does not cover is the Part B excess charges. However, the thing to remember about excess charges is they are relatively rare. You will only be charged an excess charge if your provider does not accept Medicare. If you would prefer to pay a bit more towards your monthly premium in exchange for coverage on excess charges, Plan G may be perfect for you. One of our licensed agents can help you enroll. Click here or give us a call at 844-431-1832.
Medicare Plan N vs Plan F
Plan F has been a top-selling Medicare Supplement for years. The only difference between Plan F and Plan N is that Plan F covers the Part B deductible and Part B excess charges. Plan F is going away in 2020 (along with Plan C). The Centers for Medicare and Medicaid Services believe that coverage for the Part B deductible results in beneficiaries visiting the doctor too often, costing Medicare millions of dollars. If this benefit is something that is appealing to you, you need to enroll before 2020 to be grandfathered in. Fortunately, one of our licensed agents can help. Click here or give us a call at 844-431-1832.
How do I get Medicare Plan N?
You can enroll in a Medicare Supplement plan any time of the year, but carriers can charge you more or deny coverage if you wait too long. The best time to enroll is during your Initial Enrollment Period. During this time, you can enroll in any plan that is in your area without being denied or charged more for pre-existing conditions. Click here or give us a call at 844-431-1832 to get in contact with a licensed agent.
What is Medigap Plan K?
Medicare Supplements are often referred to as Medigap plans. These plans provide financial benefits and help cover out-of-pocket expenses that Original Medicare does not, like copayments, coinsurance, and deductibles. More than 22% of Medicare beneficiaries are enrolled in a Medigap plan and enrollment has increased each year since 2010.
Medigap plans are broken down into ten standardized plans (A, B, C, D, F, G, K, L, M, and N). Each letter offers a different range of coverage at a different price point. You can evaluate which benefits are the most important to you and if you would rather pay a higher monthly premium for more benefits or pay less and receive less coverage.
Medicare Supplements are also popular because most are guaranteed renewable life, which means as long as you pay your premium on time, you will not be canceled from your plan due to new health conditions. Plus, Medicare Supplements are generally the same regardless of which carrier you enroll with. If you’re looking to supplement your Original Medicare, Medigap Plan K may be a good option.
What does Medigap Plan K Cover?
The fewer benefits a plan provides, the lower the monthly premium is. This means Plan K is cheaper than other plans on the market like Plan F or Plan G. Plan K covers:
Part A coinsurance and hospital costs
50% of Part B coinsurance and copayments
50% of bloodwork co-payments (up to 3 pints)
50% of hospice coinsurance and copayments
50% of skilled nursing facility coinsurance
50% of your Part A deductible
Other benefits of Medicare Supplements include:
You’re able to keep your current doctor (as long as they accept Medicare)
You can see a specialist without needing a referral
Coverage travels with you throughout the U.S.
Plan K Costs
Medigap plans are generally the same regardless of which carrier you enroll with. This means if you want to enroll in Medicare Supplement Plan K, you will have the same coverage whether you enroll with Blue Cross Blue Shield, Cigna, or another carrier. However, while the coverage may be the same, the costs are not. The cost of your plan will vary based on your zip code, age, gender, and tobacco use. Our licensed agents can show you available plans in your area and help you enroll in a plan that fits your needs and budget. Fill out this form or give us a call at 844-431-1832.
Medicare Supplement Eligibility
Medicare Supplement plans are designed to work alongside Original Medicare. To be eligible, you must be enrolled in Part A and B first. Medicare Supplements are sold through private insurance companies. However, most states are not required to sell Medigap plans to beneficiaries under 65. This means if you qualified for Medicare through ESRD (end-stage renal disease), ALS (Lou Gehrig’s disease), or SSDI (Social Security Disability Income), you could be denied Medigap coverage. Your best bet is to speak with one of our licensed agents. They can help you look for any plans that are available to you and discuss plan specifics. Fill out this form or give us a call at 844-431-1832.
Plan K Reviews
Some of the top Medigap carriers for 2019 include:
AARP
Aetna
Amerigroup
Cigna
Humana
Mutual of Omaha
WellCare
AARP Medicare Supplement Plan K
AARP is a very popular choice when purchasing Medigap Plan K. AARP offers competitive rates that have only been increased an average of 2.9% over the last 5 years. They also provide fast service through the claims process. Most claims are processed within ten days or less. Lastly, AARP has a 98% customer satisfaction service rating. If you’re interested in enrolling in Medigap Plan K with AARP, fill out this form or give us a call at 844-431-1832.
Enroll in Medigap Plan K
You can enroll in a Medicare Supplement plan any time of the year, but if you wait too long, carriers can charge you more or deny you for your health conditions. The best time to enroll is during your initial enrollment period. During this time, you can enroll in any plan that is in your area and not be denied or charged more for pre-existing conditions. A licensed agent can show you available plans in your area and help you save money in the long-run. When you meet with one of our agents, there is never a cost to you and absolutely no obligation to enroll. Fill out this form or give us a call at 844-431-1832.
Medicare and CBD for Seniors
Studies suggest that seniors are more likely to get addicted to prescription drugs than other age groups. More than 30% of people over the age of 65 take more than five prescription drugs each day. CBD is a natural, non-addictive alternative that can offer relief for conditions like Alzheimer’s, dementia, glaucoma, and arthritis.
What is CBD?
CBD (cannabidiol) is a natural compound that is found in the cannabis flower. Medicine has used this flower for thousands of years. In more recent years, CBD has been tested and confirmed by scientists around the world to ensure it is safe and non-addictive. CBD is closely related to tetrahydrocannabinol (THC), which is the compound that cannabis is most known for and provides the “high.” Both THC and CBD can provide therapeutic benefits, but unlike THC, CBD does not get you high and is completely legal in all fifty states.
Medicare and CBD Coverage
Medicare does not cover CBD because even though it is legal in all fifty states, it is not legal on a federal level. Cannabis is considered a Schedule I drug under the Federal Controlled Substances Act. These drugs are banned from receiving federal or state funding. The process to get approved can take years and requires extensive studies.
Unfortunately, Medicare Advantage and Medicare Supplement plans will not help cover the cost of CBD either. Even though they are sold through private insurance companies, they are still regulated through the federal government and the Centers for Medicare and Medicaid Services (CMS).
Is CBD Oil Covered by Medicare?
There are many different ways to take CBD. You can inhale, ingest, or apply it directly to your skin. Medicare does not cover any type of CBD, including oil.
If you’re looking for other ways to practice a healthy lifestyle, Medicare Advantage plans offer several additional benefits beyond Original Medicare, like hearing, dental, vision, non-emergency transportation, and group fitness programs like SilverSneakers®. One of our licensed agents can help you find a plan in your area. Click here to give us a call at 844-431-1832.
Health Benefits of CBD for Seniors
There are several health benefits of CBD for seniors. The most common include:
Pain Management: Nearly 85% of older adults suffer from chronic pain. Fortunately, CBD can help lower inflammation and reduce pain from conditions like arthritis, joint pain, and multiple sclerosis (MS).
Bone Health: As you age, you may develop a condition known as osteoporosis. This is when your bones lose vital minerals and become fragile and brittle. Alongside reducing inflammation, CBD can promote cell repair and even help strengthen your bones.
Improve Sleep: Sleep disorders like insomnia are more common as you age. To alleviate these issues, many seniors will turn to sleep medications. However, prolonged use can have negative impacts on your body. CBD can help combat stress, anxiety, and other imbalances in your body. This can lead to a better night’s sleep without the need for potentially harmful sleeping medications.
Addiction: Older adults are often prescribed several medications for various health conditions and illnesses. It’s easy to develop a dependency on your drugs, and some people may even get addicted. CBD can help alleviate the pain from several health conditions and combat the dependency you may have for your prescription medications. Plus, CBD can help alleviate the withdrawal and relapsing behaviors that can arise from certain drugs.
Heart Health: Heart disease is one of the most common conditions for older adults and is one of the top leading causes of death for Americans. Recent studies show CBD may be effective for lowering blood pressure and reducing cardiac inflammation. This can improve overall heart health and even act as a preventive measure against potential heart conditions down the road.
Mood: Mental health is increasingly important as we age. Seniors can easily feel disconnected, neglected, isolated, or lonely. CBD can interact with receptors to help alleviate stress, calm the mind, AND improve cognitive function.
Safe Ways to Take CBD
When you first start exploring CBD, it’s easy to get overwhelmed with the abundance of options. It’s important to understand the different ingestion methods available so you can find what works for you.
Inhalant: This should only be used for those who do not have throat or lung issues. Smoking CBD is not advised, but is still an option. You can purchase CBD flowers and smoke them like you would marijuana without the side effect of getting high. You can also purchase CBD-specific vape cartridges that can be used in vape pens. This allows you to inhale with vapor instead of smoke. This method allows the CBD to go directly in your bloodstream which can take effect faster than other methods. This is a popular choice for managing anxiety or insomnia.
Ingestible: There are several types of CBD products that can be taken orally. These include gummies, tinctures, gel gaps, pills, drinks, and chocolate. Ingesting CBD provides the same relief without the potentially harmful effects of inhaling smoke or vapor. The CBD will not enter your bloodstream as quickly, but it is easier to control dosage.
Topical: Topicals are a favorable method of CBD. You can apply it directly to a joint or area and reduce swelling and inflammation. This lowers the risk of potential reactions through inhaling or ingesting the product. Topical CBD balms, lotions, and oils are non-psychoactive, meaning you won’t get high.
Is CBD Addictive?
CBD is not addictive. Addictive substances will release dopamine into the brain, and the body can become dependent on that over time. CBD does not produce an excessive amount of dopamine, and since it can’t get you high there is no “euphoria” that is common in other opioids or nicotine. CBD helps balance the level of neurotransmitters in the brain, and there are no withdrawal symptoms if you stop using it.
How to Get CBD for Seniors
If you’re interested in purchasing CBD, you can purchase it online or at a dispensary. You do not need a doctor’s prescription to purchase CBD. If you choose to purchase online, be sure to do your research and read reviews.
CBD is a great alternative for several prescription drugs, but some of your medications simply cannot be replaced. If you have high out-of-pocket costs for your prescription drugs, you may benefit from a Part D plan. To learn about plans in your area click here or call us at 844-431-1832.
Holistic and Natural Healthcare with Medicare
CBD is considered a natural medicine. Unfortunately, Original Medicare does not cover any type of holistic or natural healthcare like acupuncture, chiropractic care, homeopathy, massage therapy, or naturopathy. Fortunately, some Medicare Advantage plans may cover some types of holistic care like acupuncture or massage therapy. However, this will vary by plan. If this benefit is important to you, our agents can help you find any available plans in your area. Click here or give us a call 844-431-1832.
Does Medicare Cover Urgent Care?
More than 89 million patients visit an urgent care facility each year. In fact, the number of facilities nationwide has increased from 6,400 to 8,100 since 2014 with roughly 600 more expected to open in 2019. Urgent care is a cost-effective way to get the care you need. If you’re wondering if Medicare covers urgent care, look no further, Medicare Plan Finder makes understanding your coverage easy.
Urgent Care Services Covered by Medicare
Urgent care is typically covered by Medicare Part B. It’s important to note that urgent care centers are not required to accept Medicare. While it’s rare for a facility to deny Medicare, it’s ultimately up to the centers and doctors. Part B covers lab tests, x-rays, emergency transportation, durable medical equipment, mental health, and partial outpatient hospitalization. Urgent care centers provide several services that fall under Part B including illness treatment, minor injury care, x-rays, lab tests, annual exams, and immunizations.
Does Medicare Part B pay for Urgent Care?
Yes, Medicare Part B would cover your urgent care costs if certain conditions apply:
You are already enrolled in Medicare Part B
Your Part B deductible ($185 in 2019) is met
You visit an urgent care facility that participates in Medicare
What is the Medicare Copay for Urgent Care?
Typically, after your deductible is met, Medicare Part B will cover 80% of your costs. You will be responsible for a 20% copay. This may be different if you are enrolled in some sort of savings program or plan that covers Part B copayments (like certain Medicare Supplement plans).
Without insurance, urgent care visits can cost over $100. Imagine having to pay only $20 instead of $100!
What Does Medicare pay for Emergency Room Visits?
Medicare will typically pay up 80% of most services, including emergency room visits. That means that you will likely owe 20% of your emergency room bill. This again can differ if you have a certain Medicare Supplement plan or are part of a savings program that covers your copayments and coinsurance.
It’s important to know where the closest urgent care facility that accepts Medicare is. Don’t abuse your local emergency room. Go to an urgent care facility if you are feeling sick and can’t get a doctor’s appointment.
Click on your city below to see urgent care facilities in your area that accept Medicare (we’re adding more cities weekly). If your city is not yet listed, visit medicare.gov to search for facilities near you that accept Medicare.
How Much Does Medicare Pay for Urgent Care Visits?
Urgent care visits cost less than the emergency room, but can still cost $100 on average before insurance. Since urgent care centers cover a wide array of illnesses and injuries, it’s hard to estimate how much your visit will be. However, Medicare will cover 80% of your costs in urgent care. You will be responsible for the remaining 20% and up to $20 copay unless you are enrolled in a Medicare Supplement plan.
Medicare Supplements and Urgent Care
Medicare Supplement (Medigap) plans are financial benefits that can work alongside Original Medicare. They help to cover costs that Original Medicare does not including deductibles, copays, and coinsurance. There are ten plans available (A, B, C, D, F, G, K, L, M, and N), and each letter represents different coverage at a different price point. Medigap plans can help pay for the remaining 20% of your urgent care costs. For example, if you visit an urgent care facility, and had not met your deductible yet, and were billed with a $20 copayment and 20% coinsurance, Medicare Supplements could help with those costs. Depending on which plan you enroll with, you could pay as low as nothing out of pocket.
Medicare Advantage and Urgent Care
Medicare Advantage plans (MA) are required to provide, at a minimum, the same coverage as Original Medicare. This means that urgent care is still covered. However, MA plans offer several benefits that Original Medicare does not including dental, vision, or hearing coverage, and even group fitness classes like SilverSneakers®. It’s important to keep in mind that Medicare Advantage plans have networks so you will need to make sure the urgent care facilities you visit are covered. At Medicare Plan Finder, our licensed agents can help you enroll in a plan that offers the additional benefits you want with the network you need. Why wait? FIll out this form or give us a call at 844-431-1832. Appointments are no cost to you and there’s never an obligation to enroll.
Urgent Care vs. Emergency Room
Urgent care centers and emergency rooms both address your issues quickly and provide same-day relief. They are both covered under Medicare, but trips to the emergency room can leave you with higher out-of-pocket costs and can take longer to get the medical attention you need. It’s important to understand the difference between these facilities so you better understand where to go in the future.
Urgent care centers are intended for injuries or illnesses that are not life-threatening and cannot wait to be treated by your primary care physician. This includes injuries or illnesses like:
Allergic reactions
Muscle sprains
Rashes, cuts, or scrapes
Swelling or irritation
Mild fever
Cold or allergies
Nausea, vomiting or diarrhea
Sore throat
Flu
Emergency rooms are for serious or life-threatening injuries and illnesses that need immediate attention. This includes injuries or illnesses like:
Heart attack
Stroke
Chest pain
Coughing up blood
High fever
Loss of consciousness
Severe wound
Major fracture
Serious burn
Enroll Today
If you’re interested in enrolling in a Medicare Advantage or Medicare Supplement plan, fill out this form or give us a call at 844-431-1832. Our agents are happy to answer any questions regarding plans in your area, eligibility requirements, coverage, costs, and so much more.
What is Medicare Supplement Plan C?
Medicare Supplements, also known as Medigap plans, help cover out-of-pocket expenses that Original Medicare does not. This includes copayments, coinsurance, and deductibles. More than 22% of Medicare enrollees are taking advantage of these financial benefits, and enrollment has increased every year since 2010.
There are more than 10 types of plans (A, B, C, D, F, G, K, L, M, and N) and each plan offers different coverage at different prices. Most plans are guaranteed renewable life, which means as long as you pay your premium on time, you should not be canceled from your plan if a new health condition develops.
Plus, unlike Medicare Advantage plans, Supplements generally include the same coverage regardless of which carrier you enroll with (though some will add additional benefits). If you’re looking for additional financial benefits to supplement your Original Medicare, Medicare Supplement Plan C may be the way to go.
Medicare Part C vs. Plan C
Medicare Part C and Plan C are two very different things. There are four main parts of Medicare (A, B, C, and D). Original Medicare includes Part A, hospital insurance, and Part B, medical insurance. Prescription drug coverage can be purchased through Part D.
Part C is better known as Medicare Advantage (MA). MA plans are offered through private health insurance companies and provide the same coverage as Original Medicare, but with several additional benefits like hearing, vision, and dental coverage, and even fitness programs like SilverSneakers®.
However, Plan C is one of the ten Medicare Supplement plans that are available. You may hear Plan C referred to as Part C, but Plan C is the correct term.
Is Medicare Plan C Going Away?
Medicare Plan C, along with Plan F, will be discontinued in 2020. Plans C and F both include coverage for the Part B deductible, which is a benefit that the Medicare program wants to discontinue. They have found that some consumers are taking advantage of that benefit by visiting their doctor much more often than needed, costing Medicare millions of dollars. That money can be much better spent on providing coverage for people who truly need it.
If you currently have Plan C or Plan F, you will not be kicked off your coverage. If you are interested in enrolling in Plan C or Plan F, you need to do so by January 1, 2020, to be grandfathered in. Click here to get in contact with a licensed agent.
Medicare Supplement Plan C vs. Plan F
Plan F is the most popular Medicare Supplement plan but is very similar to Medicare Plan C. The only difference is that Medicare Plan C does not include Medicare excess charge coverage. If a doctor does not accept Medicare assignment rates, you will be responsible for excess charges, but it can not exceed 15% of what Medicare pays. Some states do not allow doctors to issue excess charges. If this is the case, Plan C will operate identically to Plan F.
What Does Medicare Supplement Plan C Cover?
Medicare Plan C covers all of the gaps from Original Medicare except for Part B excess charges. More specifically, Plan C includes the following:
Part A coinsurance and hospital costs
Part B coinsurance and copayments
Blood work copays up to three pints
Hospice coinsurance and copayments
Skilled nursing facility coinsurance
Part A deductible
Part B deductible
Foreign travel emergency
Plan C Costs
Medicare Supplement plans are generally the same regardless of which carrier you enroll with. This means if you want to enroll in Plan C, you will have the same coverage whether you enroll with Aetna, Cigna, Blue Cross Blue Shield, etc. However, costs will vary based on carrier, zip code, age, gender, and tobacco use. There’s no need to overpay for a plan if there’s a cheaper alternative on the market with identical coverage.
Plan C is an extremely comprehensive Medicare Supplement plan. If you would prefer a less comprehensive plan at a cheaper price point, you should consider Plan A or Plan B. Your best bet is to speak with a licensed agent who can show you all of the Medicare Supplement plans that are available in your area and help you enroll in the plan best suited for your needs and budget.
Plan C Reviews
Here is a list of some of the top Medigap carriers for 2019:
AARP
Aetna
Cigna
Humana
Mutual of Omaha
WellCare
When to Enroll in Medicare Supplement Plan C
You can enroll in a Medicare Supplement plan any time of the year, but carriers can charge you more, (or even deny you), for existing health conditions. The best time to enroll is during your initial enrollment period. This way, you can enroll in any plan that is in your area and not be denied or charged more for pre-existing conditions.
Medigap Plan Finder Tool
A licensed agent can show you available plans in your area and help you save money in the long-run. When you meet with one of our agents, there is never a cost to you and absolutely no obligation to enroll. Fill out this form or give us a call at 844-431-1832.
You can also start comparing different Medigap plans by using our Medigap plan finder tool at medicareplanfindertool.com.
