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Main | Health and Medicine

Medicare Info and References

Questions for Michael

• How log are premiums locked in for Plan B, and Supplements N and G?

Videos

• Great Overview
• Discussion of Supplemental Plans G vs Plan N
• Another Good Discussion of Plan G vs Plan N
• Five Reasons to go with and Advantage Plan rather than a Supplemental Plan

General Medicare

• Look for 'Marvin Musick' online - insurance broker

  • Check his videos
• Premiums increase with age
• Medicare is its own insurance
• Employers' insurance drops insurance when turning 65

  • Talk with Medicare and/or broker about this

Medicare Gap/Supplement Insurance

• One Shot - changing providers requires a physical after first plan
• G-Plan (covers all except Part b deductible - $268/year)

  • All G plans are EXACTLY the same features (premiums differ)
  • Covers any location
• N-Plan (covers same as G except for possible 15% upcharge)

  • Know if my state allows 15% up charge
  • Covers any location
• Medicare and gap insurance does not cover prescription, vision, dental or hearing

  • Need a separate 'Plan B' plan to cover this
  • Could be CIGNA, Aflac, Blue Cross (check for providers online)

Medicare Advantage

• Medicare Advantage is like a PPO with a network - geographically limited (NO GO)

  • Not every Dr. will take Medicare Advantage