Medicare help in Florida
Turning 65? New to Medicare?
Confused and Need Help?
Watching Your Supplement Premiums Going Up?
Call Me Now to Discuss Your Options
Are YOU: Confused about Medicare?
How it works? Your options?
Hello, my name is Joel Tanenbaum, and I'm not only a Medicare Consultant, but I'm on Medicare myself.
The past couple of years I held monthly free educational seminars at the public libraries to help educate seniors about Medicare. These seminars helped seniors learn:
- How Medicare works
- When to enroll
- How to enroll
- Differences between Medicare Advantage and Supplements (Medigap)
- Drugs -How to save $$
Call me to setup a FREE virtual screen share sessions with you so you can understand the different parts of Medicare and how it works.
I am an independent agent and licensed by most of the major Medicare Insurance companies. My motto is do what is "best for the client".
Medicare Supplements - also known as Medigap.
Medicare Advantage Plans
Part D Drug Plans
Hospital Indemnity Plans
Medicare Supplement Plans - Medigap Plans
Supplement (Medigap) plans offer superior coverage and freedom
- Covers ALL of MOST of your out-of-pocket costs for Medicare approved services (predictable healthcare costs and avoid any surprises)
- Visit ANY doctor, specialist, hospital that takes Medicare, anywhere in the U.S. Some plans cover out of country coverage.
- NO restrictive networks - perfect for "snow-birds" and those who travel to different areas
- NO referrals needed to visit specialists
- Guaranteed Renewable if premiums are paid on time
- Foreign Travel Emergency benefits cover you when traveling outside the U.S. on vacation
Please remember the Supplement plans are STANDARDIZED by the Federal Government. This means ALL plans in a plan letter operate and pay the same. Each company has different premium costs, and it's important to review their increase history. While there are no guarantees of the future, I will advise you of each company's history. Some companies have yearly premium increases, some less.
Plans A, B, C, D, K, L, M are older plans which have less coverage and in some cases cost more. Plans F, G, N are the most popular.
Medicare Supplement Plan F
Medicare Supplement Plan F is the most comprehensive of all the available Medigap Plans. The plan includes all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, the Part B deductible, Part B doctor excess charges, as well as Foreign Travel Emergency coverage. Plan F includes everything you need to be 100% covered. You basically pay your premium each month and will not have to worry about any additional costs for medical services covered by Medicare.
NOTE: DUE TO THE MACRA LAW PLAN F IS ONLY AVAILABLE FOR NEW ENROLLMENTS IF YOUR 65TH BIRTHDAY IS BEFORE JAN 1, 2020.
IF YOU 65TH BIRTHDAY IS AFTER JAN 1, 2020 PLAN G IS THE MOST COMPREHENSIVE PLAN AVAILABLE TO YOU.
Medicare Supplement Plan G
Medicare Supplemental Plan G is the next most comprehensive plan. It works exactly like Plan F except that you pay for the Part B deductible once per year. Your premiums will be lower , and sometimes this creates savings. To find the best Medicare supplemental plan in your area, contact me to discuss the options available to you that will include quotes and rate trend histories for the different companies.
NOTE: IF YOU 65TH BIRTHDAY IS AFTER JAN 1, 2020 PLAN G IS THE MOST COMPREHENSIVE PLAN AVAILABLE TO YOU.
Medicare Supplement Plan N
Medicare Supplement Plan N is a relatively new Medigap Plan. The Plan N includes all the basic benefits associated with Original Medicare. The Plan also covers 100% of Part B coinsurance, except up to a $20 co-payment for office visits and a $50 co-payment for emergency room visits. Also included is additional days for Skilled Nursing, the Part A hospital deductible, as well as Foreign Travel Emergency coverage. The Plan N does not include the annual Part B deductible or coverage for the Part B doctor excess. Plan N can be an intriguing plan for seniors depending on the price and how often they go to the doctor.
Medicare Supplement Plan HDF & HDG
NOTE: DUE TO THE MACRA LAW PLAN HDF IS ONLY AVAILABLE IF YOUR 65TH BIRTHDAY IS BEFORE JAN 1, 2020. IF YOUR 65TH BIRTHDAY IS AFTER JAN 1, 2020 YOU ARE ELIGIBLE FOR PLAN HDG. Only difference is the part B yearly deductible which is $198 for 2020.
Medicare Supplement Plans HDF &HDG also known of High Deductible Plan F/ High Deductible Plan G is rapidly growing in popularity among the available Medigap Plans. The Plan HDF has the exact same benefits as a traditional plan F. The plan includes all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, the Part B deductible, Part B doctor excess charges, as well as Foreign Travel Emergency coverage. However. the Plan comes with a $2,340 annual deductible for 2020. So with this plan you are responsible for the 20% Medicare charges up to the amount of the deductible. Once the deductible is met the policy pays everything 100% just like a traditional Plan F. If you stay very healthy and don’t have very many claims during a year then you will save a significant amount of money as the Plan HDF is much lower in premiums from month to month.
Medicare Advantage Plans
Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You will get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare.The plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you are in a Medicare Advantage Plan. These types of plans are not supplemental coverage.
Medicare Advantage Plans may offer extra coverage, such as:
Some include Medicare prescription drug coverage (Part D).
- Health and Wellness Programs
There are different types of Medicare Advantage
When considering Advantage plans the major differences are the networks and what amounts you are responsible for when using the services.
Call me to discuss the best and lowest cost Medicare Advantage Plans in your area.
- Health Maintenance Organization (HMO) Plans — In most HMOs, you can only go to doctors, other health care providers or hospitals on the plan’s list except in an emergency. You may also need to get a referral from your primary care doctor.
- Preferred Provider Organization (PPO) Plans — In a PPO, you pay less if you use doctors, hospitals and other health care providers that belong to the plan’s network. You pay more if you use doctors, hospitals, and providers are outside of the network.