| MEDICARE SUPPLEMENTS ALL THE INFORMATION YOU WILL NEED TO MAKE AN INFORMED DECISION PLEASE READ CAREFULLY |
| MEDICARE MEDICARE HAS CHANGED. AS OF JANUARY 1, 2006 MEDICARE ADDED A NEW "PART", WHICH WILL COVER LIMITED PRESCRIPTION BENEFITS. CURRENTLY MEDICARE CONSISTS OF 3 PARTS, MEDICARE PART A FOR FACILITIES COVERAGE, AND MEDICARE PART B FOR PHYSICIAN AND OUTPATIENT COVERAGE, MEDICARE C (Medicare Advantage Plans), AND MEDICARE PART D FOR PRESCRIPTIONS. REGULAR MEDICARE SUPPLEMENTS REMEMBER, MEDICARE IS THE "MASTER COVERAGE", AND A MEDICARE SUPPLEMENT IS THE SUPPLEMENTAL COVERAGE THAT PROTECTS YOU FROM DEDUCTIBLE(S) AND 20% OUT OF POCKET. 20% OF A HOSPITAL BILL TODAY CAN BE A DEVASTATING BURDEN. MEDICARE SUPPLEMENTS CURRENTLY INCLUDE 10 PLANS, DESIGNATED AS PLANS A THRU PLAN J. NO MATTER WHICH INSURER YOU CHOOSE, ALL 10 SUPPLEMENTS ARE EXACTLY THE SAME, AS THE BENEFITS ARE REGULATED. IF YOU BUY A PLAN C FROM INSURER #1, IT WILL BE EXACTLY THE SAME AS IF YOU HAD BOUGHT IT FROM INSURER #2. THE ONLY DIFFERENCE CAN BE THE PREMIUM THE INSURER CHARGES. THE FACT THAT THEY MAY NOT OFFER ALL TEN CHOICES OF PLAN, AND THE SERVICE. MOST PEOPLE ARE INTERESTED IN GETTING A LOW PREMIUM. A REGULAR MEDICARE SUPPLEMENT ALLOWS YOU TO USE ANY PHYSICIAN AND ANY FACILITY THAT ACCEPTS MEDICARE, ANYWHERE YOU HAPPEN TO BE. YOU ARE NOT LIMITED TO ANY PHYSICIAN OR HOSPITAL LIST ON A REGULAR MEDICARE SUPPLEMENT. A REGULAR MEDICARE SUPPLEMENT WILL BE RATED FOR PREMIUM BASED ON THE SEX, AREA OF RESIDENCE, TOBACCO USAGE AND AGE OF THE APPLICANT. SOME VERY IMPORTANT FACTORS TO CONSIDER WHEN BUYING OR CHANGING A MEDICARE SUPPLEMENT: 1. YOU ARE "GUARANTEED ISSUE" THE POLICY OF YOUR CHOICE FROM THE 1ST OF THE MONTH IN WHICH YOUR 65TH BIRTHDAY OCCURS, FOR A 6 MONTH PERIOD, AND NEED NOT ANSWER MEDICAL QUESTIONS. 2. YOU ARE "GUARANTEED ISSUE" THE POLICY OF YOUR CHOICE AFTER YOU REACH AGE 65 1/2 ONLY IF YOU ARE COVERED UNDER A GROUP INSURANCE PLAN UNTIL YOU ACTUALLY APPLY FOR YOUR SUPPLEMENT, ALTHOUGH YOU WILL HAVE TO ANSWER MEDICAL QUESTIONS IF YOU ARE OVER 65 1/2. 3. IF YOU ARE CONTINUING TO WORK, ARE COVERED UNDER A GROUP INSURANCE PLAN, AND ARE TAKING EXPENSIVE MEDICATIONS, WE SHOULD TALK BEFORE YOU DECIDE HOW TO PLAN FOR YOUR BEST INTEREST. 4. IF YOU ARE WORKING, HAVE GROUP INSURANCE, AND ARE MARRIED, WE SHOULD TALK BEFORE YOU DECIDE AS YOUR SPOUSE WHO HAS NOT YET REACHED MEDICARE AGE, AND IS COVERED ALSO ON YOUR GROUP INSURANCE, MAY LOSE HER COVERAGE WHEN YOU SWITCH TO MEDICARE. HE OR SHE MAY BE ELIGIBLE TO CONTINUE THE GROUP COVERAGE THRU COBRA, BUT THAT WOULD LAST ONLY 18 MONTHS IN MOST CASES. THERE ARE MULTIPLE CONSIDERATIONS FOR MARRIED COUPLES ON GROUP INSURANCE WHEN THE PRIMARY EMPLOYEE MOVES TO MEDICARE. 5. IF YOU DO NOT HAVE GROUP INSURANCE, AND ARE OVER 65 1/2, HAVE ONE OR MORE SERIOUS CONDITIONS OR MEDICAL HISTORY, YOU CAN BE DECLINED FOR A SUPPLEMENT. IN MY OPINION NO ONE SHOULD RISK BEING WITHOUT THIS COVERAGE FOR THE REST OF THEIR LIVES. THE OPPORTUNITY FOR "GUARANTEED ISSUE" IS LIMITED. A SERIOUS CONDITION COULD BE ANY HEART PROBLEM, CANCER, AND A NUMBER OF OTHER CONDITIONS. INSURERS MUST TAKE YOU DURING THE INITIAL 6 MONTH PERIOD FROM AGE 65, OR IF YOU ARE LEAVING GROUP INSURANCE AT ANY AGE. HOWEVER, THEY DON'T HAVE TO INSURE YOU OUTSIDE OF THOSE PARAMETERS, AND WON'T IF CERTAIN QUESTIONS ARE ANSWERED "YES" ON THE APPLICATION. CALL US TO BE SURE YOU ARE NOT TAKING AN UNNECESSARY RISK. WE WILL ALWAYS SUGGEST THE BEST PATH FOR YOU, WHETHER OR NOT YOU PURCHASE A POLICY. YOU CAN GET A "MEDICARE ADVANTAGE" PLAN REGARDLESS OF ANY MEDICAL CONDITION EXCEPT "END STAGE REAL FAILURE". 6. A REGULAR MEDICARE SUPPLEMENT POLICY, PLAN C, COSTS MORE FOR A MALE THAN A FEMALE. FEMALES (NON-TOBACCO) WILL BE PAYING AN AVERAGE OF BETWEEN $160 AND $170 PER MONTH. MALES WILL PAY AN AVERAGE OF BETWEEN $170 AND $187 PER MONTH, NON-TOBACCO RATES. IT DEPENDS ON THE INSURER SELECTED AND THE STABILITY OF THAT CARRIER. MEDICARE SELECT PLANS. MEDICARE SELECT PLANS ARE THE SAME PLANS, A THRU PLAN J, AS THE REGULAR MEDICARE SUPPLEMENT. THEY ARE CONSIDERABLY LESS EXPENSIVE THAN THE REGULAR MEDICARE SUPPLEMENTS. THERE IS NO DIFFERENCE IN THE COVERAGE ON THE PLANS, BUT ALTHOUGH YOU MAY SIMILARLY SEE ANY PHYSICIAN ANYWHERE WHO ACCEPTS MEDICARE, YOU MUST STAY IN NETWORK WITH HOSPITALS AND FACILITIES. THE LISTS OF PARTICIPATING HOSPITALS AND TESTING FACILITIES IS USUALLY VERY GOOD IN SOME AREAS, AND NOT SO GOOD IN OTHERS. ALSO THESE HOSPITAL LISTS ARE SUBJECT TO CHANGE. THESE "SELECT" POLICIES WORK WELL FOR MANY PEOPLE. HOWEVER, WHEN TRAVELING AND IN NEED OF NON-EMERGENCY SERVICES AT A HOSPITAL, IT WOULD BE NECESSARY TO CALL THE INSURER TO FIND A PARTICIPATING HOSPITAL WHEREVER YOU MAY HAPPEN TO BE. THE PRICE BREAK IN PREMIUM STILL MAKES THESE SELECT PLANS APPEALING TO MANY PEOPLE. I SHOULD ADD THAT IF YOU BUY A SELECT PLAN, DON'T LIKE IT, AND DECIDE TO SWITCH TO A "REGULAR" PLAN, AFTER AGE 65 1/2 IT MAY OR MAY NOT BE ALLOWED BY THE INSURER DEPENDING UPON YOUR MEDICAL HISTORY AND CONDITIONS. BUY WHAT YOU CAN AFFORD, BUT TRY TO PURCHASE A PLAN THAT YOU CAN LIVE WITH IN THE FUTURE. IF YOUR HEALTH CHANGES AFTER AGE 65 1/2 YOU MAY NOT BE ABLE TO MAKE ANY CHANGES TO YOUR PLAN, OR MOVE TO A NEW INSURER. I BELIEVE THE CHOICE OF PLAN AND SELECTION OF A MEDICARE SUPPLEMENT INSURER IS ONE OF THE MOST IMPORTANT, IF NOT THE MOST IMPORTANT OF OUR LIVES. PLEASE CALL US TO DISCUSS YOUR PARTICULAR SITUATION 1-800-239-1515 OR FILL IN THE FORM BELOW AND SUBMIT FOR A QUOTE |
| MEDICARE PART A IS A WONDERFUL BENEFIT. IT COVERS 80% OF APPROVED FACILITY CARE. THE MEDICARE PART A DEDUCTIBLE PER ADMISSION IS NOW CLOSE TO $1000, WHICH IS YOUR RESPONSIBILITY BEFORE PART A KICKS IN TO PAY A FACILITY CHARGE. |
| MEDICARE PART B COVERS 80% OF MEDICARE APPROVED PHYSICIAN, TESTING AND OTHER OUTPATIENT EXPENSES. MEDICARE PART B HAS ONLY A $131 ANNUAL DEDUCTIBLE. PART B PREMIUM IS $96.40 |
| IF YOU HAVE THE RIGHT MEDICARE SUPPLEMENT YOU WILL BE COVERED FOR THE 20% THAT IS YOUR RESPONSIBILITY FOR MEDICARE PART B, AND THE RECURRING, PER OCCURENCE PART A (FACILITY) DEDUCTIBLE. MEDICARE SUPPLEMENT COVERAGE IS USUALLY BEST IF YOU ARE OUT OF AREA, OR TRAVEL A LOT. MOST MEDICARE ADVANTAGE PLANS ARE GREAT FOR THOSE WHO TRAVEL LESS, AS THE Advantage plans cover you anywhere on a PPO, but at a higher copay for Out of Network. Your Supplement covers you at any Doctor or Facility that accepts Medicare |
| + |
| YOU MUST HAVE BOTH MEDICARE PART A AND MEDICARE PART B IN ORDER TO BUY A MEDICARE SUPPLEMENT |
| IF YOU ALREADY HAVE A GOOD UNDERSTANDING OF THE "REGULAR" AND "SELECT" SUPPLEMENTS, GO TO PAGE BOTTOM, FILL OUT FORM & CLICK "SUBMIT FOR A QUOTE. |
| WITH THE PROPER MEDICARE SUPPLEMENT & SEPARATE PRESCRIPTION PLAN ADDED TO YOUR MEDICARE, YOU HAVE THE BEST TOTAL MEDICAL COVERAGE AVAILABLE IN THE USA |
| THE MEDICARE PART D PRESCRIPTION PLAN IS NOT MANDATORY. HOWEVER, IF YOU DO NOT ENROLL WHEN YOU ARE ELIGIBLE, YOU WILL WAIT UNTIL OPEN ENROLLMENT ONCE A YEAR, AND THERE IS A PREMIUM PENALTY FOR THOSE WHO FAIL TO ENROLL WHEN ELIGIBLE. THIS COVERAGE IS VERY VALUABLE, PROVIDING UP TO $2,510 OF COVERAGE PER CALENDAR YEAR, WITH YOU MAKING ONLY COPAYS FOR YOUR PORTION. IT IS VERY INEXPENSIVE, WITH WONDERFUL PLANS (NO DEDUCTIBLE) GOING FOR ABOUT $25 PER MONTH. THOSE OF YOU OVER AGE 65 1/2 WHO HAVE NOT YET ENROLLED, MAY DO SO FROM NOV 15TH UNTIL DEC 30TH. GO TO OUR HOME PAGE AND CLICK ON "MEDICARE PART D PRESCRIPTION PLANS", OR CLICK HERE |
| (SOME OF YOU MAY BE INTERESTED IN A MEDICARE ADVANTAGE TYPE PLAN. THIS PLAN COMBINES ALL PARTS OF MEDICARE, A, B, AND D, INTO ONE PLAN. THE PREMIUM IS -0-. ALSO, MEDICARE WITHHOLDS $96.40 PER MONTH AS OF JAN 1, 2008, FOR MEDICARE PART B. SOME MEDICARE ADVANTAGE PLANSWILL REFUND ALL OR A PORTION OF THIS MEDICARE PART B PREMIUM. CLICK HERE TO SEE THIS INFORMATION. |
| THE MALONE AGENCY 1-800-239-7553 |
| PLEASE CALL US AT 1-800-239-7553 WHATEVER YOUR NEED, WE CAN HELP OR CLICK HERE TO EMAIL YOUR QUESTION |
 |
| |
 |