Eugene obtained his license in 2010 while working in the banking industry. After the decline of the economy in 2008 and countless conversations with folks about ways to keep their homes, Eugene realized it is time to focus on an industry that actually helps people. After getting his license, his experience in helping folks with their health and life insurance needs led him to open his own brokerage.
Now, representing a multitude of companies throughout the United States, his opinion is unbiased. His goal is to help individuals with their insurance needs and to find the right product that helps people in their specific situation. Whether it's Medicare Supplements, Life Insurance, or the ever-changing Health Insurance, American Insurance Benefits takes YOU out of the health insurance industry.
Focus on what you do best and let us focus on your insurance needs. If you need information on how Medicare Works and how to get started with the program, visit our blog here.
Now, representing a multitude of companies throughout the United States, his opinion is unbiased. His goal is to help individuals with their insurance needs and to find the right product that helps people in their specific situation. Whether it's Medicare Supplements, Life Insurance, or the ever-changing Health Insurance, American Insurance Benefits takes YOU out of the health insurance industry.
Focus on what you do best and let us focus on your insurance needs. If you need information on how Medicare Works and how to get started with the program, visit our blog here.
Services
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Medicare Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Typically 80% after a deductible.
Medicare Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Medicare Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Typically 80% after a deductible.
Medicare Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Medicare Supplement Plan F is the most comprehensive plan out of the eleven available Medigap policies.
Because Plan F leaves the beneficiary with no out-of-pocket expenses, by covering any remaining hospital and doctor costs after Original Medicare (Part A and/or B) has covered its portion, it is the most expensive supplement plan.
Part A hospital and coinsurance costs up to an additional 356 days after Medicare benefits are exhausted.
Plan G is a lot like Plan F, in that they both offer comprehensive coverage and are among the most robust Medigap offerings, but Plan G requires the beneficiary to pay the Medicare Part B deductible out-of-pocket.
Because Plan F leaves the beneficiary with no out-of-pocket expenses, by covering any remaining hospital and doctor costs after Original Medicare (Part A and/or B) has covered its portion, it is the most expensive supplement plan.
Part A hospital and coinsurance costs up to an additional 356 days after Medicare benefits are exhausted.
Plan G is a lot like Plan F, in that they both offer comprehensive coverage and are among the most robust Medigap offerings, but Plan G requires the beneficiary to pay the Medicare Part B deductible out-of-pocket.
The best time to buy a Medigap policy is during your Medigap OPEN ENROLLMENT Period.
This 6-month period begins on the first day of the month in which you're 65 or older and enrolled in Part B (some states have additional Open Enrollment Periods).
After this enrollment period, your option to buy a Medigap policy may be limited and it may cost more.
If you delay enrolling in Part B because you have group health coverage based on your (or your spouse's) current employment, your Medigap Open Enrollment Period won't start until you sign up for Part B.
This 6-month period begins on the first day of the month in which you're 65 or older and enrolled in Part B (some states have additional Open Enrollment Periods).
After this enrollment period, your option to buy a Medigap policy may be limited and it may cost more.
If you delay enrolling in Part B because you have group health coverage based on your (or your spouse's) current employment, your Medigap Open Enrollment Period won't start until you sign up for Part B.
At American Insurance Benefits, we specialize in helping people figure out what plans are best for you.
We are a brokerage, which means our loyalty is to you, not the insurance company.
Let us put a package together that helps you with your needs.
From doctor visits to ambulance coverage, we've got it all.
Don't hesitate and take that first step, you'll be glad you did.
We are a brokerage, which means our loyalty is to you, not the insurance company.
Let us put a package together that helps you with your needs.
From doctor visits to ambulance coverage, we've got it all.
Don't hesitate and take that first step, you'll be glad you did.
The higher the share of covered medical expenses paid by the plan, the lower the consumer's out-of-pocket cost.
However, this scenario also translates into a higher premium.
If you are relatively healthy and do not anticipate many medical expenses, a bronze or silver plan may be the right solution.
If you have health conditions that necessitate frequent care and services, you may find it advantageous to select a gold or platinum plan.
Those who opt for the silver plan and whose incomes fall below 250 percent of the federal poverty level will receive cost-sharing subsidies-these are in addition to any tax credit for which you may be eligible.
However, this scenario also translates into a higher premium.
If you are relatively healthy and do not anticipate many medical expenses, a bronze or silver plan may be the right solution.
If you have health conditions that necessitate frequent care and services, you may find it advantageous to select a gold or platinum plan.
Those who opt for the silver plan and whose incomes fall below 250 percent of the federal poverty level will receive cost-sharing subsidies-these are in addition to any tax credit for which you may be eligible.
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