{"id":23,"date":"2017-01-23T10:47:58","date_gmt":"2017-01-23T15:47:58","guid":{"rendered":"http:\/\/gpswp.com\/ursinsurance\/?page_id=23"},"modified":"2017-03-07T13:02:02","modified_gmt":"2017-03-07T18:02:02","slug":"medicare-solutions","status":"publish","type":"page","link":"https:\/\/gpswp.com\/ursinsurance\/medicare-solutions\/","title":{"rendered":"Medicare Solutions"},"content":{"rendered":"
We will help you answer the following questions to help you decide:<\/p><\/blockquote>\n
\n\n\nWhat is a Medicare Supplement\/Medigap Policy? <\/a><\/h4>\n<\/div>\n
\nMedicare Supplement insurance, commonly referred to as Medigap insurance, is used to supplement Original Medicare to fill in some, if not all, of the \u201cgaps\u201d not covered by Original Medicare. Medigap insurance is standardized by each state, which means that all of the companies offer IDENTICAL coverage- the only difference between companies is company rating and price. This is one of the many reasons why having an independent Medicare expert is crucial in your deciding process. You don\u2019t want to pay too much for the same product! Medicare Supplement insurance is divided into different lettered plans A-N, each having a different monthly premium and amount of coverage provided.<\/div>\n<\/div>\n<\/div>\n\n\nWhat does a Medicare Supplement\/Medigap cover? <\/a><\/h4>\n<\/div>\n
\nMedigap or Medicare Supplement insurance plans cover some, if not ALL, of the deductibles and remaining 20% of your doctor and hospital bills. As you can see above, there are 10 different, standardized plans for you to choose from. Each of these lettered plans covers different services and each of them has a different monthly premium for you to pay. The high-deductible F Plan offers the lowest monthly premium with the lowest amount of coverage, while the standard Plan F covers EVERYTHING left behind by Original Medicare so that you\u2019re only out-of-pocket cost is your monthly premium! Julia will go over each one of these plans to ensure that you find the plan that fits your needs and budget best!<\/div>\n<\/div>\n<\/div>\n\n\nDo I need referrals? Where can I use my Medigap policy? <\/a><\/h4>\n<\/div>\n
\nMedigap\/Medicare Supplement policies do not require referrals so you are able to go to ANY doctor or hospital in the nation that accepts Medicare! You read correctly- there are NO network stipulations when you use Medigap\/Medicare Supplement insurance! As long as the doctor or hospital you choose accepts Medicare, they will accept your Medigap\/Medicare Supplement policy. It\u2019s that simple!<\/div>\n<\/div>\n<\/div>\n\n\nWhich company should I go with? I\u2019ve received so much mail! I\u2019m in over my head! <\/a><\/h4>\n<\/div>\n
\nWhew! The amount of mail and paperwork Julia has seen on clients\u2019 dining room tables is frightening! That being said, there IS an easy way to choose a company for your Medigap\/Medicare Supplement policy. As stated previously, Medigap policies are standardized by the state of Florida, so all Plans offer the same coverage. Simply put, the ONLY difference between companies is company rating and price! Julia works with all of the top companies in South Florida so that she can offer you any company you choose. Julia works with United Health Care\/AARP, United American Insurance Company, Mutual of Omaha Insurance Company, Blue Cross and Blue Shield of Florida, Gerber Life Insurance Company, Forethought Insurance Company, etc. She has her clients\u2019 favorite companies and her recommendations, but ultimately, the choice is yours! Julia makes it easy to choose. Remember: Medigap\/Medicare Supplements only cover your doctor and hospital bills, NOT your prescription drugs. When you have a Medigap\/Medicare Supplement policy, you must take out a Part D Plan to cover your prescriptions. Medicare Part D So how do you cover your prescription drugs when you have a Medigap plan? Your answer is right here- Medicare Part D. Medicare Part D is your prescription drug coverage that is taken out in conjunction with your Medigap plan. Drug coverage is ALWAYS separate from your Medigap plan, meaning there is no Medigap plan that includes drug coverage. If you work with Julia, you will have the lowest-cost drug plan in your area, year after year.<\/div>\n<\/div>\n<\/div>\n\n\nWhat are my options? <\/a><\/h4>\n<\/div>\n
\nIn Palm Beach and Martin County alone, there are 29 different plans to choose from. Luckily for you, Julia makes it very simple for her clients. You simply provide her with a list of your prescriptions and the pharmacy of your choice, and she does the research to find the least-expensive drug plan in your area based on your prescriptions! The cost varies by plan and by drug, so each person will have a different result, unless two people are on the exact same drugs.<\/div>\n<\/div>\n<\/div>\n\n\nHow much is it going to cost me? <\/a><\/h4>\n<\/div>\n
\nJulia will print-out your best plan that will break down your cost month by month. Every Part D plan has a monthly premium, and they range from $15.00 per month all the way to $100 per month. Again, your result will depend on your prescriptions. Some Part D plans also have an annual deductible that you will be responsible to satisfy before your plan will begin coverage. Every Part D Plan separates prescriptions into 4 distinct tiers, or genres- preferred generics, non-preferred generics, brand names, and high-end brand names, and each of these tiers has a corresponding copayment.<\/div>\n<\/div>\n<\/div>\n