For an video summary of our Medicare services,  see Senior Market Insurance 10 04

on youtube.com.

MEDICARE 2019

GAP COVERAGE OPTIONS

____________________________________________________________________________________________________________________

For details on each of the above parts please review your MEDICARE AND YOU HANDBOOK

or http://www.medicare.gov/ and www.socialsecurity.gov/

There are FOUR PARTS to MEDICARE:


1)  PART A

       COVERAGE - Hospital Insurance - helps cover your inpatient care in hospitals.  It will also help cover skilled nursing facilities, hospice and home health care if you meet certain conditions.


        COST SHARING - Deductible for inpatient care and limitations on days covered


        PREMIUM - Free to those who qualify


2)  PART B

      COVERAGE - Medical Insurance - helps cover medically necessary services like doctor services and outpatient care.  It will also cover some preventative services that help maintain your health and keep certain illnesses from getting worse.


        COST SHARING - Deductible of $184.00 in 2019, plus 20% coinsurance for most services


        PREMIUM - For 2017 first-time enrollees $135.50 per month.  For people already on Medicare prior to 2010, $96.40.  For people who started Medicare benefits in 2010, $110.50.  For people who started Medicare benefits from 2011 through 2015, $115.40.  For 2016 enrollees, $121.80.


3)  PART C

       COVERAGE - Medicare Advantage Plans - another way to get your Medicare benefits.  It combines Parts A and B and sometimes Part D (prescription drug) coverage.  Medicare Advantage Plans are managed by private insurance companies approved by Medicare.  These plans must cover medically necessary services.  Depending on which company you choose, co-payments, co-insurance and/or deductibles vary.


       COST SHARING - Varies by plan, but typically includes co-payments and co-insurance up to a specified maximum out of pocket.


       PREMIUM - Varies from $0 plan premiums to over $166.00 per month


4)  PART D

       COVERAGE - Medicare Prescription Drug Coverage - This coverage may help lower your prescription drug costs and help protect against higher costs in the future.


      COST SHARING - Varies by plan, but typically includes co-payments and co-insurance during initial coverage period.  $3700 initial drug coverage in 2017 followed by a gap in coverage known as the donut hole, where the member must pay 25% for brand name Rx up to  the catastrophic threshold of $4850.00, at which point the member will go back to a co-pay.


      PREMIUM - National average in 2016 is $49.00.            

MEDICARE SUPPLEMENTS -Insurance sold by private insurance companies to fill the "gaps" in Original Medicare plan coverage

  •       Provides coverage for the out-of-pocket costs not covered by Medicare
  •       The freedom to choose any doctor who accepts Medicare, no referrals necessary
  •        Monthly premiums with low or no co-pays on medical expenses



MEDICARE PRESCRIPTION DRUG PLAN (PDP) STAND-ALONE DRUG PLAN - Prescription drug plans coverage with monthly premiums that provide coverage to Original Medicare, some private fee for service plans, Medicare medical savings account plans, and some Medicare cost plans.


MEDICARE ADVANTAGE PLANS (PART C) - Covers all of Parts A & B health care (Many times also include Part D)

  •         HMO - Health Maintenance Organization
  •         PPO - Preferred Provider Organization
  •         PFFS - Private Fee for Service - Works differently than a Medicare supplement plan. Your doctor or hospital is not required to accept 

                  the plan's terms and conditions and thus may choose not to treat you, except in emergencies.  Your health car providers can find the  

                  plan's terms and conditions on the insurance provider's website.

  •         SNP - Special Needs Plan
  •         MSA - Medical Savings Account


Each plan has specific guidelines.  Co-pays differ with each individual plan and provider.



ENROLL YEAR ROUND

Add this to your existing coverage.

MA+ - MEDICARE ADVANTAGE PLUS - An indemnity plan that is in ADDITION to your Advantage plan.  It is designed to help cover

your co-pays and deductibles

This plan helps cover hospital inpatient co-pays, cancer treatments and several other co-pays

to keep your out-of-pocket expenses lower.


Please contact SENIOR MARKET INSURANCE LLC to check details and your eligibility.

Call 480-593-2733 or 480-219-3576 or email smins@cox.net



ARE YOU GETTING THE BEST COVERAGE?

You can be sure.  Just call or email to compare ALL available plans.

There is NO obligation.

                        We have complete information for:


                        MARICOPA COUNTY - 2 Medicare Advantage Plans WITHOUT prescription coverage

                                                                    16 Medicare Advantage Plans WITH prescription coverage

                                                                    22 Part D Prescription Plan choices

                                                                    40+ Private insurance plan choices


                        PINAL COUNTY - 2 Medicare Advantage Plans WITHOUT prescription coverage

                                                          9 Medicare Advantage Plans WITH prescription coverage

                                                          22 Part D Prescription Plan choices

                                                          40+ Private insurance plan choices


                       PIMA COUNTY - 1 Medicare Advantage Plan WITHOUT prescription coverage

                                                       15 Medicare Advantage Plans WITH prescription coverage

                                                       22 Part D Prescription Plan choices

                                                       40+ Private insurance choices


We represent YOU, so that you are able to get ALL your Medicare benefits.

Let us help you enroll in the plan of your choice at NO charge to you.

You will also receive FREE updates and annual comparisons

to help make your life easier!!!!!!!


Don't hesitate to call or email us with your questions.  We're always here to help.

SENIOR MARKET INSURANCE LLC

480-593-2733       480-219-3576        email:  smins@cox.net

Mailing address: 70 S. Val Vista Dr. #A3 - 260, Gilbert, AZ 85296


Additional Information:

Medicare Scope of Appointment Form