Shauneen has been helping seniors with Medicare supplement options since 2009. She is a Licensed and Certified Medicare Insurance Broker working with clients throughout the United States every day. She is passionate about providing outstanding service to her clients and helping them find the best value on their Medicare plan. Her decision to work with seniors in the Medicare market began when her own husband turned 65.
After having to navigate the maze herself, she understands the concerns of seniors who are confused about Medicare and can benefit from her assistance. Shauneen is originally from the New England area and currently resides in Florida with her husband and two fur babies. In her spare time, she enjoys cooking, golfing, and traveling. At USA Medicare Plan we help people that are new to Medicare, or already on Medicare, find the lowest cost options for supplemental coverage without sacrificing benefits.
If you're like most of our clients, you're on a fixed income and every dollar counts.
After having to navigate the maze herself, she understands the concerns of seniors who are confused about Medicare and can benefit from her assistance. Shauneen is originally from the New England area and currently resides in Florida with her husband and two fur babies. In her spare time, she enjoys cooking, golfing, and traveling. At USA Medicare Plan we help people that are new to Medicare, or already on Medicare, find the lowest cost options for supplemental coverage without sacrificing benefits.
If you're like most of our clients, you're on a fixed income and every dollar counts.
Services
Trying to understand Medicare can be really confusing.
You're probably coming up on age 65, or you may be dropping off your employer health plan because you're retiring.
Whatever your situation, there's some basic information you need to know- Medicare has 4 parts: Part A, B, C and D, plus something called Medicare Supplemental or "Medigap".
Medicare Part A (hospital insurance): This covers inpatient hospital stays, skilled nursing facilities, hospice care, and some home health care.
You get it by signing up for Medicare.
You're probably coming up on age 65, or you may be dropping off your employer health plan because you're retiring.
Whatever your situation, there's some basic information you need to know- Medicare has 4 parts: Part A, B, C and D, plus something called Medicare Supplemental or "Medigap".
Medicare Part A (hospital insurance): This covers inpatient hospital stays, skilled nursing facilities, hospice care, and some home health care.
You get it by signing up for Medicare.
Medicare is a federal health insurance program for people who are: age 65 or older, also for certain people under age 65 with disabilities, and also for people with End Stage Renal Disease.
Part B of Medicare covers outpatient medical.
This includes Dr visits, lab work, tests, surgeries, durable medical equipment, and preventive services.
These plans are typically HMO or PPO Network type plans that may work similar to what you've had while working.
Medicare Part D helps to cover the cost of prescritpion medications including shots and vaccines.
Part B of Medicare covers outpatient medical.
This includes Dr visits, lab work, tests, surgeries, durable medical equipment, and preventive services.
These plans are typically HMO or PPO Network type plans that may work similar to what you've had while working.
Medicare Part D helps to cover the cost of prescritpion medications including shots and vaccines.
How much do I have to pay for Medicare?
Most Medicare beneficiaries will not pay anything for Part A. Medicare Part B comes with a monthly premium of $148.50 per month in 2021.
You could pay more or less depending on your income and how you file your taxes.
Social Security can tell you exactly what you'll be paying.
When do I need to sign up for Medicare?
If you are already getting Social Security benefits then you will be signed up automatically for your Medicare A & B. You don't have to do anything.
Most Medicare beneficiaries will not pay anything for Part A. Medicare Part B comes with a monthly premium of $148.50 per month in 2021.
You could pay more or less depending on your income and how you file your taxes.
Social Security can tell you exactly what you'll be paying.
When do I need to sign up for Medicare?
If you are already getting Social Security benefits then you will be signed up automatically for your Medicare A & B. You don't have to do anything.
Medicare Supplement Plans provide additional coverage beyond Part A and Part B known as Original Medicare.
Medicare is great coverage but it does have gaps and holes.
It doesn't cover everything 100%.
Medicare Supplement, also called Medigap, helps to fill in those gaps that Original Medicare Parts A and B don't cover.
You need to be enrolled in Medicare Part A and Part B in order to get a Medicare Supplement plan.
Medicare Part A is your hospital coverage and Part B covers your medical up to 80%.
Medicare is great coverage but it does have gaps and holes.
It doesn't cover everything 100%.
Medicare Supplement, also called Medigap, helps to fill in those gaps that Original Medicare Parts A and B don't cover.
You need to be enrolled in Medicare Part A and Part B in order to get a Medicare Supplement plan.
Medicare Part A is your hospital coverage and Part B covers your medical up to 80%.
The rates are typically a lot higher on Plan F than Plan G, sometimes $40-50 more per month.
The only difference is the Part B deductible of $203 on Plan G.
The plans are exactly the same coverage except for the small deductible.
With Plan G, if you don't get sick then you may not even have to pay a deductible at all.
One important thing to keep in mind - Plan F will not be available to "newly eligible" enrollees to Medicare starting in 2020.
The reason for this is the government is trying to cut down on Medicare spending, by eliminating first dollar coverage (plans that do not have a deductible).
The only difference is the Part B deductible of $203 on Plan G.
The plans are exactly the same coverage except for the small deductible.
With Plan G, if you don't get sick then you may not even have to pay a deductible at all.
One important thing to keep in mind - Plan F will not be available to "newly eligible" enrollees to Medicare starting in 2020.
The reason for this is the government is trying to cut down on Medicare spending, by eliminating first dollar coverage (plans that do not have a deductible).
Reviews
Be the first to review Insurance Financial Resources.
Write a Review
