I am an independent insurance broker with over 30 years of experience in writing group, individual, dental, vision, medicare supplement and life insurance plans in Georgia. I represent many health insurance companies including Blue Cross Blue Shield of Georgia, Humana, Kaiser Permanente, Aetna, UnitedHealthcare, National General and Genworth. My goal is to help you understand the insurance options available and get you or your company the best insurance coverage for your dollar.
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Leaving employer coverage to transition to Medicare as your primary insurance can be overwhelming.
There is so much information being sent to you in the mail from different companies and their plans.
I have helped hundreds of clients sort through their options and decide what is the best plan for them.
Original Medicare is managed by the federal government and provides individuals 65 and older with access to doctors, hospitals, or other health care providers who accepts Medicare.
There are four parts A, B, C and D. Each addressing different health care coverages.
There is so much information being sent to you in the mail from different companies and their plans.
I have helped hundreds of clients sort through their options and decide what is the best plan for them.
Original Medicare is managed by the federal government and provides individuals 65 and older with access to doctors, hospitals, or other health care providers who accepts Medicare.
There are four parts A, B, C and D. Each addressing different health care coverages.
Medicare Advantage plans (Part C) are an alternative to the federally administered Medicare program.
They are administered through private health plans, such as HMOs and PPOs, and have been an option since the 1970s.
These private health plans receive payments to provide all medicare covered services to plan enrollees.
Those who enroll in a Medicare Advantage plan can also choose a plan with prescription drug coverage.
A Medicare Advantage Prescription Drug plan (MAPD) is a Medicare Advantage plan that includes prescription drug coverage.
They are administered through private health plans, such as HMOs and PPOs, and have been an option since the 1970s.
These private health plans receive payments to provide all medicare covered services to plan enrollees.
Those who enroll in a Medicare Advantage plan can also choose a plan with prescription drug coverage.
A Medicare Advantage Prescription Drug plan (MAPD) is a Medicare Advantage plan that includes prescription drug coverage.
Medicare Advantage Part D (MAPD) plans must give at least a standard level of coverage set by Medicare.
Plans can vary the list of brand name prescription drugs and generic drugs they cover (called a formulary) and how they place drugs into different "tiers" on their formularies.
Formularies include at least two drugs in the most commonly prescribed categories and classes.
The formulary might not include your specific drug but in most cases a similar drug is available.
You can ask for an exception if you, or your prescriber, believe none of the drugs on your plan's formulary will work for your condition.
Plans can vary the list of brand name prescription drugs and generic drugs they cover (called a formulary) and how they place drugs into different "tiers" on their formularies.
Formularies include at least two drugs in the most commonly prescribed categories and classes.
The formulary might not include your specific drug but in most cases a similar drug is available.
You can ask for an exception if you, or your prescriber, believe none of the drugs on your plan's formulary will work for your condition.
Medicare supplement plans are a type of health insurance sold by private insurers to cover the gaps in Medicare.
It is often referred to as "Medigap Plans."
These plans pay after Medicare approves and pays its share of your claim.
Similar to your current insurance, medicare has deductibles, copays and coinsurance for which you are responsible.
It does not include retail drug coverage.
You'll want to purchase a Part D drug plan for that.
Supplemental is optional.
However, without any supplemental insurance, you would be responsible for expensive hospital deductibles and copays as well as 20% of the cost of ALL outpatients services.
It is often referred to as "Medigap Plans."
These plans pay after Medicare approves and pays its share of your claim.
Similar to your current insurance, medicare has deductibles, copays and coinsurance for which you are responsible.
It does not include retail drug coverage.
You'll want to purchase a Part D drug plan for that.
Supplemental is optional.
However, without any supplemental insurance, you would be responsible for expensive hospital deductibles and copays as well as 20% of the cost of ALL outpatients services.
Short-term health insurance, sometimes called temporary health insurance, provides medical coverage for a limited period of time.
It is designed to help bridge gaps in your health care coverage during times of transition.
You may need it when you are in-between jobs, waiting on employer or government-sponsored health benefits, or have missed the Annual Enrollment Period.
Short-term plans do not cover all of the ten essential health benefits that ACA health plans are required to cover.
These plans also often don't cover maternity care, mental health care, preventive care, treatment for sports injuries, many surgeries, and other commonly used benefits.
It is designed to help bridge gaps in your health care coverage during times of transition.
You may need it when you are in-between jobs, waiting on employer or government-sponsored health benefits, or have missed the Annual Enrollment Period.
Short-term plans do not cover all of the ten essential health benefits that ACA health plans are required to cover.
These plans also often don't cover maternity care, mental health care, preventive care, treatment for sports injuries, many surgeries, and other commonly used benefits.
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