What you need to know about Medicare

Now that you know what Medicare is and the potential benefits you can get from it, you probably want to know how to join it. There are specific moments in which you can enroll in Medicare and in some cases you do not have to sign up to it, you are enrolled automatically. In this article we will explain if you are eligibly or not, and the moments when you can enroll.

Original Medicare’s Eligibility

     If you want to join Original Medicare and get a premium-free Part A, you must meet one of the following requirements:

  • You are 65 years or older U.S citizen or have been permanent legal resident for five continuous years, and you or your spouse (or qualifying ex-spouse) has paid Medicare taxes for at least 10 years while working or has worked long enough to be eligible for Social Security or railroad retirement benefits (usually having earned 40 credits).
  • You are under 65, disabled, and have been receiving either Social Security SSDI benefits or Railroad Retirement Board disability benefits. In this case, you must receive one of these benefits for at least 24 months from date of entitlement before becoming eligible to enroll in Medicare.
  • You have Lou Gehrig’s disease (amyotrophic lateral sclerosis). In this case you qualify immediately.
  • You get continuing dialysis for End Stage Renal Disease (ESRD) or need a kidney transplant. In this case, you must sign up for Medicare, as your enrollment isn’t automatic.

If you do not meet these requirements, joining Original Medicare is still possible if you you’re a U.S. citizen or have been a legal resident for at least five years and you are 65 or older. In this case, you get it by paying premiums for Part A. The price of the premium will depend on how many work credits you have. If you continue working and accumulate 40 credits, you will no longer pay the premiums.

How and when do I join Original Medicare?

The best moment to join Medicare is during the Initial Enrollment Period. This is a period of 7 months that starts 3 months before the month you turn 65, includes the month you turn 65 and ends 3 months after the month you turn 65. You can enroll anytime during this period and your coverage start date will depend on when you sign up.

Take into consideration that if you don’t enroll when you’re first eligible (during the Initial Enrollment Period), you will have to pay a Part B late enrollment penalty, and you may have a gap in coverage if you decide you want Part B later.

There is another enrollment period when you can get Original Medicare if your Initial Enrollment Period already passed. This is the Special Enrollment Period (SEP). You are eligible for this period if you are covered under a group health based on current employment as longs as you or your spouse is working and you are covered by a group health plan through the employer or union based on that work. This also applies to you the month after the employment ends and the month after group health plan insurance based on current employment ends.

During SEP you usually do not have to pay a late enrollment penalty. Bear in mind that COBRA and retiree health plans aren’t considered coverage based on current employment.

If you do not meet the requirements for the SEP and your Initial Enrollment Period already passed you can sign up for Part A and/or Part B during the General Enrollment Period. This period is between January 1–March and you must pay premiums for Part A and/or Part B if you apply during this period. You may have to pay a higher premium for late enrollment in Part A and/or a higher premium for late enrollment in Part B.

Learn more about Medicare medisupps.com/aetna-medicare-supplement-plans-2018.


Impressive and Distinct Features of Valuable Medicare Supplement Plans

The Medicare Supplement Plans are excellent healthcare options that must be sought after by the senior citizens. These plans offered by the private insurance companies are very beneficial as they fill the inevitable gaps that are present in Medicare. The Medicare Supplement Insurance or Medigap is of great use as it covers cost like deductibles, coinsurance and copayments. The other services that are covered include medical care especially at times when you tour outside U.S.

Difference between Medigap Policy and Medicare Advantage Plan

Medicare Advantage Plan and Medigap policy vary from each other and it is a useful plan to gain more Medicare benefits. The Medigap policy supplements the benefits of Medicare benefits only and it is important to know that the Medigap policy comprises of Medicare Part A as well as Medicare Part B. It is likely that you opt for a Medigap policy even if you have a Medicare Advantage Plan. However, it is necessary that the Medicare advantage plan should be left before commencement of the any new Medigap policy.

Monthly premium needs to be paid for the Medigap policy in addition to paying for the premium of Part B which is paid for the Medicare. The Medigap policy can cover the healthcare cost of only person and separate policies need to be bought if you want for your partner. The Medicare supplement plans must be purchased from a licensed insurance company in your state. The benefit of this plan is that the insurance company cannot cancel your policy as long as the premium is paid and the policy is renewable.

Cost Not Covered by Medigap Policy

In the past most of the Medicare policies that were sold also covered the costs for prescription drugs. It is illegal these days to sell the Medigap policy especially if you have a MSA account or Medicare Medical Savings Account.  The costs that are not covered by the Medigap policy include dental care, long term-care, hearing aids, private duty nursing, vision and eyeglasses. Some of the insurance plans that are not Medicare supplement plans include the Medicaid, Medicare Prescription Drug Plans and the Private Fee for Service Plan.

Find Perfect Medigap Policy

If you wish to give away your Best Medicare Supplement Plans 2018 than it very necessary, that you pay penalty for late enrollment at the time of joining a different plan. The best way to find a perfect Medigap policy would be to call Medicare and gain information about Medicare choices available and that match your requirement.

Medigap Plans

The individuals who esteem included security will discover it in Medigap plans which serve to increase the monetary medicinal prerequisites past a Medicare coverage. Obviously, this is significantly helpful particularly nowadays when economies around the globe are not taking care of business. Costs of products are taking off all over the place and this shockingly incorporates even therapeutic treatment and the cost of medications. While it may not represent a noteworthy issue for those over the social stepping stool, average people and families have unmistakably been influenced. To evade hospitalization costs, some would even select to just stay home and self-sedate. Be that as it may, with a Medicare supplement plan to connect one’s Medicare coverage and real doctor’s facility charges, the issue is disposed of.


In any case, despite the fact that the guarantee of a Medigap plans can be a genuine lifesaver, picking the correct plan isn’t something one can do unpredictably, particularly as far as the plan on prescriptions. While the aim to misdirect may not be there, a few people are really delude by what an insurance supplier may offer. Truth be told, there could be various pharmaceutically related issues in run of the mill supplementary plans which each potential purchaser must inspect.


A standout amongst the most well-known entanglements that individuals wind up in concern real drug costs which might be offered in an occasionally tricky manner. When investigating this, it is imperative to consider the average cost of each drug during a time as individual expenses can differ contingent upon how the plan is intended to register costs. Something else that ought to be investigated is the real coverage of a drug that is exhibited to be a piece of the plan. In some cases, insurance suppliers promote drugs as incorporated into a plan bundle however there is really another prerequisite that must be satisfied before those drugs can really be covered, for example, the buy of different drugs or getting a doctor’s approval already. However another conceivable wellspring of disarray could be the cost of mail-arrange drug conveyance whose cost fluctuates significantly from plan to plan. It is likewise vital to check what drug stores work with what plans to make sure that you can really exploit a specific advantage that is guaranteed by that plan that you are thinking about to purchase.


In spite of the fact that the general idea of Medigap insurance is helpful to all, there are different plans that will be suited to individuals with fluctuating needs and circumstances. What’s more, since solutions have a significant influence in any course of treatment, they ought to be a noteworthy thought when searching for the best plan to purchase.

Learn more about the benefits of Medicare supplement plans!

If you think that just having a Medicare policy will take care of all your medical expenses, then you are very wrong. You should know that not all the expenses are covered by these policies; you need to have something extra that will help you fill the gap. This is where the Medicare supplement plans works. The only difference between this and the original Medicare plans are that, it is sold by private companies unlike the original Medicare plans.

What is the benefit of purchasing such pans?

There are many people who come up with this question. The truth is that sometimes, or rather most of the times; the extra cost of the hospital becomes too high to be given from the pocket of one’s own self. Thus, if you are willing to save some of that money, then having a Medicare supplement plan is very necessary. Here are a few things which the original Medicare does not cover: coinsurance, deductibles and copayments.

How does the plan work?

If you want to be eligible for Medicare Supplement Plans 2018, then firstly you need to enroll yourself in the original Medicare plan first. These are not supposed to cover the stand-alone benefits. People or senior and aged people over the age of 65 can only avail these plans. Firstly, you need to check with the insurance policy of the state whether or not the Medicare supplement policy actually is available or not.

Things you have to keep in mind

People get so excited, that they sometimes forget the basics only. Therefore, if you are one of the recipients of Medicare supplement plan, then you should know that the plan does not include prescription drugs. Therefore, if you want help for drugs, you need to enrol yourself separately in the prescription drug plan. This will be highly useful for you and for your entire family.

What are the benefits covered by Medicare supplement plans?

At present, you can see there are 10 medigap plans available. These are written with letters starting from A to N. these are available in most of the states like Minnesota, Massachusetts and Wisconsin. However, these states have their own standardized Medicare supplement plans.

If you are enrolled in the original Medicare plan and also the Medicare supplement plan, then you should know that almost majority of the medical expenses during an emergency will be covered by these plans.

Knowing the best Medicare Supplement Plans for a better future

As there are various medicare supplement plans out there, it is best to know what plans you are buying and what kind of coverage they provide for you. Without the proper knowledge you can land up in the wrong hands which may turn out to be more costly than your original plans may consist of. It is not obligatory for a person to buy medigap plans along with their original medicare policies but it turns out to be very helpful in many cases. If you do not wish to burn a whole in your pocket where all your retirement savings goes into your treatment, then the ideal move for you would be to get a medigap policy along with your original medicare which you can find at https://www.medisupps.com/mutual-omaha-medicare-supplement-plans-2018/

Motion during the medigap

Medicare supplement plans kick into motion during the medigap open enrolment period which s of six months, the month you turn into 65 years of age and your original medicare plans cover the Plan B of your policy. It is best to buy your medigap policies during this period as after this, insurers may charge extra for you to buy the policy and may deny coverage for your plans as well. You can obviously buy medigap after the six month open enrolment window but the pay for that will be extra.

Price transparency to be kept in mind

When buying or checking for medicare supplement plans, you should always keep the fact of price transparency in your mind. Getting a medigap is not easy. Research must be done before you join the line for medigap in a company. Decoding your charges, premiums, expenses should be done beforehand. You need to know your budget first, before you move into buy or look for policies that might suit your demands. Keep your budget in mind, know your expenses and then go out in search of a company that will be very upfront with their premiums and plans. Check everything that you need to know and then go in to buy whatever Mutual of Omaha Medicare Supplement that suits you.

When getting your Medicare supplement plans, search for a company that will keep you well informed. Buying for the best policies can be a tad bit tiring but the best companies that are known to have the best policies of the lot, can help you with the best customer services where you get all the answers to every query that you may have regarding your policies.

What are Medicare Supplement Plans?

Medicare Supplement Plans, also known as Medigap Plans, are plans which cover for health care services that Original Medicare does not cover, such as copayments, coinsurance and yearly deductibles. It also covers emergency health costs incurred while outside the U.S.


How it works

The Original Medicare pays first for costs incurred in health-care services and supplies provided to a beneficiary, Medigap plans then fills in the cost gaps. Simply, it supplements the Original Medicare (part A and B).

When to enroll

It is advisable to enroll for Medigap Plans during the first six-month Medigap open enrollment period.  This period begins automatically the first month a person turns 65 and is enrolled in Medicare Part B.  During this period, you can buy any plan available in your state in spite of your health status. After this period, it is not easy to buy these plans. If you are able to buy one, it may cost you more.

Additional facts

  • You can only enroll in a Cigna Medicare Supplement if you have Original Medicare (Part A and B).
  • It does not cover hearing aid, vision or dental care, long-term care, eyeglasses or private-duty nursing.
  • Medicare Advantage plans, Medicare Prescription Drug Plans, Medicaid, TRICARE, Veterans Benefits and long-term care insurance policies are not Medigap Plans.
  • You can use your plan with any provider that accepts Medicare.
  • It only covers one beneficiary. In case you have a spouse, you should buy two different plans.
  • It does not include drug prescription coverage. To cover your drug prescriptions cost, you can to join Medicare Prescription Drug Plan (Part D).
  • It is available in licensed private insurance in many states
  • It is illegal for any licensed insurance company to sell plans to any person who has a Medicare Medical Account (MSA) plan.
  • In most states, Medigap is only available to persons who are 65 years old and above. If you are enrolled and you are under 65, check with your states insurance department to find out if you are eligible.
  • Not all Medicare supplement Plans may be available in your state.
  • Your plan is guaranteed renewable as long as you continue to pay your premium.
  • Premium cost may vary by plan and location, even for standardized benefits.
  • You can’t use your plan to pay for cost you may have with a Medicare Advantage Plan. It can only cover costs in Original Medicare.







How to Be Financially Savvy in Choosing Medicare Supplement Plans

Evaluating your health insurance is very important but during leisure times, like holidays, doing the evaluation could be difficult. Having agents calling you during your fun periods could be bothersome. For those who own a Medicare Supplement policy, it is important that what is being spent on their health insurance policy is being checked. It is important to save!

With the CAP acronym as a case study, what does it stand for? These are three features of Medical Supplement insurance that give a helping hand in evaluating your policy’s effectiveness. Starting with “C” which means carrier. First check what carrier your policy has. It is obvious that the Medigap has been well formed but it does not stop the different charge rates from place to place and zip codes. You should always have to consult different agents to be able to know what carrier your policy has.

The next letter which is “A” stands for Age of Policy. This is how long you have had your policy. Having a particular policy for over 20 years is not advisable because with each passing year, the price increases despite being in good health. Every few years, it is financially savvy to get your rates compared with other carrier rates in your zip code. After buying a  carrier, it is due to be charged after 3 to 5 years. Policy holders get into policies that are less competitive which makes them spend a lot a d unable to save. Make sure you don’t fall victim by asking around to be sure you obtain the ideal policy.

The last letter in the “CAP” which is “P” stands for Plan Type. Plan F is being highly purchased by policy holders because they think it has all they want not knowing about plan G which has all the coverage found in plan F apart from that it does not have the part B deductible. Switching from Plan F to Plan G helps policy holders as they are able to save a lot more  even with Part B deductible. With thus article, one would be full of information on how to evaluate one’s Medicare Supplement Policy and above all, the “CAP” acronym should be used while doing this evaluation so as to help one purchase the best policy.

However, this does not mean that we are the ones to decide for you the health care plan you need. Take for instance, Plan F can be very expensive and when you look at the coverage, you may not be excited to go for it. There are numerous firms that offer insurance in the country. It is your duty to be financially savvy when it comes to choosing your policy.

Ensure that you have done your homework first before picking a policy. The truth is that it is not every policy that is suitable for you.  Suitability is something that you should consider before you pick that juicy policy.

Your guide to select the best Medicare Advantage Plans

The Medicare Advantage Plans come as a wonderful solution to address the healthcare needs of the individuals over the age of 65 years.  However, it demands that you are choosing the right plan from the right provider so that you can get the maximum extent and scope of coverage, when you need it the most. This requires you to pick the most suitable plans, and in such instances, you need to give special attention on the points that are discussed in the paragraphs underneath.


There are chances for differences in the coverage, terms and conditions and the rate of premium


The Medicare Advantage Plans come from Private Insurance companies, approved by Medicare. These companies enjoy the complete liberty to design the terms & conditions for governing the policies, complying with the minimum service conditions, as set by Medicare. Likewise, the rate of premiums is decided by these parties, without any attempts of influences by Medicare. Hence, even if you are getting the same extent and scope of coverages, you might require paying a premium at different rates, compared to the rate paid by any other individual. For instance, even if a friend or relative of yours is enjoying the plans, coming for Zero Premium, you may not find such plans from your provider.


Likewise, if your provider decided to move out of the network, you will have to find a new provider, and in such instances, it is most likely that you will have to comply with a new set of regulations or pay premium at different rates.


Even the zero premium plans are likely to involve some indirect expenses


Even if you are lucky to find a plan for Zero premium, don’t be in the 7th heaven of happiness, as it is likely that these plans involve some elements of indirect expenses. For instance, it is likely that your plan involves provisions like deductibles, Co-payments and coinsurance that indirectly compels you to incur some expenses, before the policy comes to any of your significant benefit. Most importantly, even after getting these policies, you will have to go on paying the insurance premium for the Part  B coverage of the original Medicare plan.

Get online quote today medicareadvantage2019.org.

On the positive side, even after taking the Medicare Advantage Plans, you will continue to receive the benefits under the Part A and B of the original Medicare Plan. On the other hand, these plans extends additional benefits like coverage on prescription drugs as well as coverages on routine dental, hearing and vision care.