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Medicare Seems Complicated, but it Doesn't Have to Be.

Hello, my name is Joel Tanenbaum, and I'm not only a Medicare Consultant, but I'm on Medicare myself.  That means I have first-hand, practical knowledge of how Medicare works, and I specialize exclusively in Medicare insurance.  I'd love to come out and meet with you to help you understand Medicare and help you make the best decisions by arming you with the information you need.  My services are completely FREE for you to use.  I'm paid by the insurance companies to help you make the right decision.

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I will reach out to you to have an initial 15-20 minute free consultation.  Afterwards, we can schedule a follow up appointment where I can come out to your home or the location of your choosing.

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Overview of Different Medicare Supplement Plans

You can buy a Medicare supplement from a variety of different insurance companies. However, plans of the same letter are standardized by law so that the benefits are the same. Example-A Medicare supplement Plan F with one company has the same benefits as the next company.

The differences to consider when choosing is:

Initial premiums- Can vary widely by company!

The companies history-premium history and other financials. During our free consultation I will show and explain to you the different options so you can make a informed choice.

 

 

Below, I provide a short overview of the different Medicare Supplement Plans available to you.  However, everybody's situation is different.  Your best option is to schedule a free consultation with me so we can discuss your specific needs, and identify the best plan for you.

Medicare Supplement Plan A

Medicare Supplement Plan A is the least comprehensive of all the available Medigap Plans. Plan A includes all the basic benefits associated with Original Medicare as well as covering 100% of the Part B coinsurance. Plan A should only be taken by individuals who are only looking to cover doctor visits only which falls under Part B. Plan A will not cover any hospital deductibles associated with Medicare.

Medicare Supplement Plan B

Medicare Supplement Plan B is a step up in coverage verses a Plan A however still has many gaps in coverage. A Plan B will cover the basic benefits associated with Original Medicare along with 100% of the Part B coinsurance and the Part A Hospital deductible. However Plan B does not offer coverage for: Additional days of Skilled Nursing, the Part B deductible, Part B excess charges or Foreign Travel Emergency.

Medicare Supplement Plan C

Medicare Supplement Plan C is one of the most comprehensive Medigap Plans available. 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, as well as Foreign Travel Emergency coverage. However the Plan C does not include coverage for the Part B doctor excess charges. With the number of doctors adding these excess charges growing every day and the minimal cost in monthly premium to add this coverage, Plan C should be taken by few people.

Medicare Supplement Plan D

Medicare Supplement Plan D is very similar to Plan C. Like a Plan C the Plan D covers 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, as well as Foreign Travel Emergency coverage. However the Plan D does not cover Part B doctor excess charges or the annual Part B deductible.

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.

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jeff
jeff
03:57 12 Feb 20
Joel Tannenbaum is a very knowledgable professional on the subject of Medicare, and highly recommended as an agent to... work with. His seminars are very comprehensive, and he works to get you the into the best program for your needs.read more
jan glick
jan glick
00:19 11 Feb 20
Joel did a great job getting me all signed up—he explained all to me ,made suggestions and showed me what I needed to... sign up—I had no idea!! He was great!!!read more
Janet Paul
Janet Paul
20:50 10 Feb 20
Joel is very professional and found affordable policies for me. I would recommend his services rather than trying to do... it on your own!! And nice to know he is available for questions and concerns any time!read more
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