Our agents service California, Arizona and Nevada. American Healthcare Insurance Consultants was established by a group of professionals with over 20+ years of experience within the Medicare industry. Our mission is to simplify Medicare so that every hard-working American can find the right plan that fits their needs and budget. Our state licensed agents under go 100+ hours of rigorous training every year from each insurance company we contract with, and the American Health Insurance Plans (A.H.I.P.) organization.
We will do the research so that you can enjoy retirement and receive the care you are entitled to. By submitting this information you acknowledge a licensed insurance agent may contact you by phone or email to discuss Medicare Advantage Plans, Medicare Supplement Insurance or Prescription Drug Plans. Our mission at A.H.I.C. is to provide you with an unbiased simplified overview of what Medicare is, how it works, and the options available to you.
Let us guide you through the complex world of Medicare.
We will do the research so that you can enjoy retirement and receive the care you are entitled to. By submitting this information you acknowledge a licensed insurance agent may contact you by phone or email to discuss Medicare Advantage Plans, Medicare Supplement Insurance or Prescription Drug Plans. Our mission at A.H.I.C. is to provide you with an unbiased simplified overview of what Medicare is, how it works, and the options available to you.
Let us guide you through the complex world of Medicare.
Services
Medicare is a federal health insurance program designed for seniors and people with specific disabilities.
The Centers for Medicare & Medicaid Services (CMS) oversees and manages Medicare.
You receive disability benefits from the Social Security Administration (SSA) or the Railroad Retirement Board (RRB), regardless of age.
You have been diagnosed with amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig's disease.
This year, there are also 10 Medicare Supplement Plans (Medigap) that can help pay additional expenses not covered by your Medicare coverage.
The Centers for Medicare & Medicaid Services (CMS) oversees and manages Medicare.
You receive disability benefits from the Social Security Administration (SSA) or the Railroad Retirement Board (RRB), regardless of age.
You have been diagnosed with amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig's disease.
This year, there are also 10 Medicare Supplement Plans (Medigap) that can help pay additional expenses not covered by your Medicare coverage.
Medicare can seem complicated at a first.
If we break it down into 4 parts, it becomes clear what coverage is provided and what your options are.
Part A is hospital Insurance.
This happens automatically and there's no premium as long as you've worked a minimum of 10 years or 40 quarters and paid your Medicare taxes.
Part A helps cover in-patient care in hospitals, skilled nursing facilities, hospice care, and home health care (inpatient care in a skilled nursing facility that's not custodial or long-term care).
If we break it down into 4 parts, it becomes clear what coverage is provided and what your options are.
Part A is hospital Insurance.
This happens automatically and there's no premium as long as you've worked a minimum of 10 years or 40 quarters and paid your Medicare taxes.
Part A helps cover in-patient care in hospitals, skilled nursing facilities, hospice care, and home health care (inpatient care in a skilled nursing facility that's not custodial or long-term care).
Part A covers inpatient hospital, skilled nursing facility, hospice, and eligible home health care.
Part A-covered hospital services include medically necessary services and equipment to treat your condition.
Medicare Part A offers coverage in time periods called "Benefit Periods".
These "Benefit Periods" begin the day you are admitted as an inpatient in a hospital and ends when you have not been an inpatient in either a hospital or skilled nursing facility for 60 consecutive days.
There is no limit to the number of benefit periods.
Part A-covered hospital services include medically necessary services and equipment to treat your condition.
Medicare Part A offers coverage in time periods called "Benefit Periods".
These "Benefit Periods" begin the day you are admitted as an inpatient in a hospital and ends when you have not been an inpatient in either a hospital or skilled nursing facility for 60 consecutive days.
There is no limit to the number of benefit periods.
This is an all-in-one alternative to Original Medicare.
These plans are bundled and include coverage for Part A, Part B, usually Part D, and are offered by private insurance companies.
These types of plans are managed care, like HMO and PPO plans, which use a network of doctors and hospitals.
Medicare Advantage Plans may have lower out-of-pocket costs than original Medicare and typically offer additional benefits such as vision, dental, hearing, or health and wellness programs at no extra cost.
These plans are bundled and include coverage for Part A, Part B, usually Part D, and are offered by private insurance companies.
These types of plans are managed care, like HMO and PPO plans, which use a network of doctors and hospitals.
Medicare Advantage Plans may have lower out-of-pocket costs than original Medicare and typically offer additional benefits such as vision, dental, hearing, or health and wellness programs at no extra cost.
Medicare Part D Plans are Medicare regulated private insurance drug plans that give you lower cost on prescriptions.
Once you enroll in a Medicare Part D plan in your state, you will now pay a set copay instead of the full cost of the prescription drug.
The average Part D premium in 2020 is $34/month and the standard deductible is $435 per year.
All plans have a list of covered drugs called a formulary and use a tier system to price and classify drugs.
For this reason it is important to shop your Part D plan with to make sure you select the one that covers your prescriptions and at the lowest cost to you.
Once you enroll in a Medicare Part D plan in your state, you will now pay a set copay instead of the full cost of the prescription drug.
The average Part D premium in 2020 is $34/month and the standard deductible is $435 per year.
All plans have a list of covered drugs called a formulary and use a tier system to price and classify drugs.
For this reason it is important to shop your Part D plan with to make sure you select the one that covers your prescriptions and at the lowest cost to you.
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