Open Enrollment Period
The Open Enrollment period is the six-month period beginning on the first day of the month in which you are enrolled in Medicare Part B. If you are on Medicare under age 65, you will also have a...
View ArticleMedicare Part A and Part B
What is the difference between Medicare Part A and Medicare Part B? Medicare Part A is hospital insurance. It covers inpatient care. This includes skilled nursing access, but this is not to be...
View ArticleMedicare Assignment
Assignment is an important word for the Medicare recipient. It refers to how the health care provider is paid. If a doctor accepts assignment, the doctor has agreed to always accept the medicare...
View ArticleMedicare Part A Benefit Period
Medicare Part A in 2005 has a deductible of $912. That means the insured is responsible for the first $912 of inpatient hospital expense before Medicare will begin to pay. The bad news for the...
View ArticleHigh-Deductible Medicare Supplements
There is a Medicare Supplement insurance plan that comes in a high-deductible option. That is Plan F. This Medigap Insurance Plan with the high deductible option does not begin to pay until the...
View ArticleMedigap Coverage of Pre-existing Conditions
A condition for which medical advice was given or treatment was recommended by or received from a physician within six months before the effective date of coverage is considered a pre-existing...
View ArticleMedicare SELECT Plans
Medicare SELECT Insurance Plans are available in many states. Although Medicare SELECT Insurance Plans can be in the form of any of the 11 standardized insurance plans, they are usually a Plan F...
View ArticleMedicare Part D
The initial open enrollment period for Medicare Part D is November 15, 2005 through May 15, 2006. Enrolling is a choice that each person that has Medicare Part A and B recipient can make. During the...
View ArticleMedicare Supplements Are Guaranteed Renewable
Can your medicare supplement provider drop your coverage? If your policy was purchased after 1990, then no. The medigap policy is guaranteed renewable. The only way your coverage can be dropped is...
View ArticleMedicare Part D Revisited
Things are getting very busy regarding Medicare Part D. Insurance companies that sell Medicare supplements are getting their information out to medigap policyholders regarding the plans that they...
View ArticleMedicare Supplement Underwriting
Individuals applying for a Medicare Supplement that are not in an Open Enrollment period or Guaranteed Issue period usually must be underwritten for an insurance company to provide medicare supplement...
View ArticleMedicare Supplement Rates
Attained-age. This means the medicare supplement rate increases as you get older. This may be each year or every 5 years (at age 70, 75, 80, etc.) for example. Often medicare supplement rate...
View ArticleCreditable Coverage and Medicare Supplements
Medicare Supplements can have a six-month wait on pre-existing conditions, unless you have had at least six months of previous health coverage that can be considered "credible coverage". A...
View ArticleMedicare Supplement Bill Payment
If you have a medicare supplement, also known as a medigap policy, how is your doctor paid for the service provided? Medicare supplement insurance companies in most cases pay the doctor directly....
View ArticleMedicare Preventative Services
During the first six months an individual is on Medicare Part B, Medicare coveres a one-time preventative physical exam. What does the exam include? It includes a review of your health, information...
View ArticleSwitching Medicare Supplement Companies
For many people, changing medicare supplement companies is a very simple thing to do. The first things a person would want to consider are the medicare supplement insurance plan designs and the...
View ArticleMedicare Deductible Changes
Each year Medicare adjusts the Medicare Part A and Medicare Part B deductibles. These adjusts seem to reflect higher costs of providing health insurance coverage due to inflation and the rising cost...
View ArticleDallas Morning News Article - Medicare Advantage Plans
Below is an excellent article on the subject of Medicare Advantage Plans everyone should consider. Handle with care Seniors signing up for private Medicare could discover gaps in their coverage 12:00...
View ArticleMedicare Supplement Insurance Plan J
Plan J is no longer offered as a Medicare supplement. Plan J did have RX coverage included but when Medicare Part D became available, insurance companies could no longer include RX coverage on these...
View ArticleMedicare Supplements & Departments of Ins
Your state's department of insurance website can be very helpful in getting Medicare supplement information. Often they even provide you with rate information. Sometimes the information is accurate...
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