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Medicare Supplement cost comparison

By ecrowe | General Articles | 0 comment | 19 July, 2019 | 0

Medicare Supplement cost comparison

If you are either new to Medicare or if you want to change plans during open enrollment, a Medicare Supplement cost comparison is a great idea. Click Here For A Medicare Supplement Cost Comparison Tool- Free to use at no cost or obligation (Good for all 50 states)

Medicare Supplement cost comparison – things to know:

Medicare Supplement plans and Medigap plans are the same thing. Private insurance companies offer these plans. The insurance companies can only sell you standardized plans. This means the plans offer the same general benefits although some plans offer added benefits. In other words, plan N on Anthem must offer the same benefits as a Plan N on United Health Care. The real difference is the cost of each plan as well as the extra benefits one company offers over another. All insurers must follow both federal and state laws. The laws protect consumers.

Medicare Supplement cost comparison – more information:

A Medigap policy helps you pay for health care costs left over after Medicare A and B have paid their portion. This applies to things such as; co-pays, co-insurance and deductibles. If you enrolled in Original Medicare as well as a Medicare Supplement/Medigap policy, then each policy will each pay it’s part of your covered health care costs. In most cases, when you buy a Medicare Supplement plan, you must have both Medicare Part A and Part B. (Sign up for Medicare A and B) There is a monthly premium for Medicare Part B. There is also a premium for Med Sup/Medigap policies.

Renewing the plans

Your policy is guaranteed renewable as long as you pay your premium. This policy will renew automatically each year. Medicare Supplement cost comparison: If you are considering a Medicare Supplement/Medigap policy, you should definitely compare the costs. You should do this each year before open enrollment as prices change as well as extra benefits that are offered. This is true especially because the benefits you receive the same coverage no matter which carrier you choose. The only difference is the cot of the plan.

Links to rates for each state

Federal Medicare Supplement Website Medicare Supplement cost comparison

California rates site

Colorado rates site

Connecticut rates site

Massachusetts rates site

Michigan rates site

Minnesota rates site

Mississippi rates site

New Hampshire rates site

NJ rates site

New Mexico rates site

NY rates site

North Carolina rates site

North Dakota rates site

Ohio rates site

Oregon rates site

Pennsylvania rates site

Rhode Island rates site

South Carolina rates site

South Dakota rates site

Tennessee rates site

Texas rates site

Utah rates site

Vermont rates site

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Dental, Vision & Hearing plan

By ecrowe | General Articles | 0 comment | 14 June, 2019 | 1

Dental, Vision & Hearing plan

If you are looking for a great all-in-one package of health care products, look no further. Our Dental, Vision & Hearing plan package will provide you with the coverage you need at a price you can afford. These plans are offered by SureBridge. SureBridge is an affiliate of the Chesapeake Life Ins Company and a recent partner of the UnitedHealthcare Group family of companies.

Plan Details:

Pays 100% on preventative services on DAY ONE of the policy with no deductible

No waiting period on basic benefits (fillings and simple extractions)

Only a 9-month waiting period for major services on dental

Benefits on basic and major services go up 10% every year for the first 3 years.

Issue ages 0-90

ISSUE AGE rates – Premiums are locked in

All applications, contracting done online

Guarantee issue and renewable for life

Carrier pays the provider directly

Click here for more information/brochure

►Now Available: AL, AR, AZ, CO, CT, DE, FL, GA, IA, ID, IL, KS, ME, MI, MN, MS, NE, OK, OR, PA, SC, SD, TN, WI, WV and

WY!

►Launching 6/21: LA, MO, ND,

NM, NV and UT

►Launching 7/19: TX, KY and OH

(More States to come for 7/19

Launch!)

Network Information:

Dental = Carrington Dental Network

Vision = No network

Hearing = TruHearing

**Out-of-network is based on 75% of what dentists in the area are charging. (UCR)

To see the plan rates for your state click here

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Medicare Part B premium appeal form

By ecrowe | General Articles | 0 comment | 5 June, 2019 | 0

Medicare Part B premium appeal form

The standard Medicare Part B monthly premium for 2019 will be $135.50. Medicare Part B is what you use to pay for medical costs of doctor’s visits, medical equipment and outpatient procedures. If you have a MAGI that is over the Medicare maximum amount, you can file a Medicare Part B premium appeal form.

However, if you have a high income level, Medicare might make you pay a higher amount for your part B premium. Medicare uses your modified adjusted gross income or MAGI to decide the amount you will pay for your Part B premium. They take this amount from your tax return from 2 years ago. This means that if you have Medicare Part B in 2019, your premium is based on your MAGI from your 2017 tax return.

If your income has gone down from what it was 2 years ago, you can use the Medicare Part B appeal form below to file an appeal and have your Part B premium lowered. In some circumstances, a life changing event can significantly reduce your income. There are many reasons that you can experience a reduction in income. These instances include divorce, death of a spouse, loss of a pension just to name a few.

Medicare Part B Appeal Form Click here for an appeal form

If you are more comfortable with an in-person meeting, you can call 1-800-772-1213 to schedule a meeting t your local Social Security office.

If you want a better idea of what the IRMAA is, take a look at the chart below:

This chart is for 2019 Part B premiums, if your yearly income in 2017 was:			You pay each month (in 2019)
Individual tax return	File joint tax return	File married & separate tax return	You pay each month (in 2019)
$85,000 or less	$170,000 or less	$85,000 or less	$135.50
$85,000 up to $107,000	$170,000 up to $214,000	Not applicable	$189.60
$107,000 up to $133,500	$214,000 up to $267,000	Is not applicable	$270.90
$133,500 up to $160,000	$267,000 up to $320,000	Not applicable	$352.20
$160,000 and less than $500,000	$320,000 and less than $750,000	$85,000 and less than $415,000	$433.40
$500,000 or above	$750,000 and above	$415,000 and above	$460.50

Medicare Part B Appeal Form – Income for extra help

If you fall below certain income levels you may qualify for extra help paying for your Part B or Part D premiums. Click here for details.

Would you like help with your Medicare coverage? Please feel free to contact our office. You can reach us either by phone (203)796-5403 or email [email protected]

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PPO

By ecrowe | General Articles | 0 comment | 3 June, 2019 | 0

PPO

If you are or ever have been in the market for a healthcare plan you will most likely come across the term PPO. A PPO is a preferred provider organization. These plans offer a network of healthcare providers for their members to use for medical care at a negotiated rate. PPO plans allow members to see any in-network health care provider they choose without requiring a referral.

More PPO information:

If you choose to join a PPO, in most cases, you will not need to choose a primary care provider. You will be able to use any provider within the company’s network of providers. All your in-network healthcare services will be covered at the negotiated rate. You will also have the option of using out-of-network providers, although they will be covered at a lower rate. It is always a good idea to make sure your provider participates with your health plan in order to avoid receiving a higher than expected medical bill.

In most cases you will have a deductible to meet each year before your medical bills are covered by the insurance company. There is also the matter of co-pays for certain services. Some services will require you to pay a percentage of the total medical cost. These are things you should be aware of, if possible, before you go for medical care.

PPO Providers:

PPO plans have a number of in-network doctors and medical facilities you can choose from. In this way the plans are similar to HMOs. It is always more cost effect to use an in-network provider when seeking medical treatment. Providers who participate with your insurance company have an agreement to accept lower payments and in return, receive access to patients who participate with the insurance company’s network. One advantage to a PPO is that beneficiaries do receive coverage for some out-of-network care. If you decide to use an out-of-network provider you will most likely have to pay a higher rate for your care but the insurance carrier will pay some of the cost.

Another benefit of joining a PPO is that you will not be required to get a referral to see a specialist. You can choose from any in-network provider for medical services

PPO plans might be a good fit for you if:

You do not want to get a referral before seeing a specialist.
Sometimes you want to use an out-of-network provider.
It is important for you to have the choice of where you receive your medical care.

If you would like help choosing a Medicare plan, click here

To set up an appointment with a sales rep, please contact us either by phone (203)796-5403 or by email [email protected]

Does Medicare cover home healthcare

By ecrowe | General Articles | 0 comment | 3 June, 2019 | 0

Does Medicare cover home healthcare

Does Medicare cover home healthcare; If you are getting ready to sign up for Medicare you might ask the question. This can be a very important question to know the answer to. As we all get older, we do not want to worry about what will happen to us if we become too ill to take care of ourselves.

Medicare will not pay for the following types of care:

24-hour-a-day home care (live in health care).
Meal delivery to your home.
Services that pay people to shop, clean and or do laundry for those who need assistance.
Medicare does not pay for Personal care given by home health aides. This care consists of bathing, dressing, and using the bathroom. If this is the only help you need.

Does Medicare cover home healthcare; Medicare will cover your home healthcare services if you meet all the criteria below:

If your healthcare provider decides that you require in-home medical care and makes a plan for you to receive that care.

There must also be a need for either skilled nursing care or physical, occupational and or speech-language therapy.

You employ a home health agency that is approved by Medicare. The agency must be Medicare-certified.

4. It must be proven that you are unable to leave your home without help and a great amount of effort. In other words you must be home-bound. You can still leave home occasionally short, periods of time for both medical and non-medical reasons. If you use adult day care, you can still qualify for home health care.care will cover the following types of home health care

CLICK HERE TO SIGN UP FOR MEDICARE ON LINE

Medicare will pay for the following medical care, when you meet all the requirements:

Part time skilled nursing care. This means any service that only a licensed nurse can do safely.

If you require the services of a part time home health aide for personal care such as bathing, dressing or using the bathroom. These services include things that do not need to be done by a licensed nurse. Medicare will not pay for the home health aide unless you also require therapy or other nursing care. These services must be a part of your at home treatment plan for your current health condition.

Physical, occupational or speech therapy for any amount of time the doctor recommends.

In order for Medicare to pay for any therapy, they should be prescribed in order for you to regain your quality of life as it was before the on set of your current health condition.

Medicare will also pay for approved, necessary medical supplies such as wound coverings ect. It does not include either prescription drugs or biological therapy.

Durable medical equipment such as canes, walkers or wheelchairs are also covered by Medicare.

FDA approved injected osteoporosis drugs are also paid for by Medicare when deemed necessary in certain situations.

Please remember; although your health care provider helps with the arrangement for Medicare covered home health care, the final word is yours as to which agency you use.

If you need help choosing the best Medicare plan for yourself, please contact us. You can reac us either by phone (203)796-5403 or email [email protected]

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HMO vs PPO

By ecrowe | General Articles | 0 comment | 28 May, 2019 | 0

HMO vs PPO

How do HMO and PPO Plans differ?

There are many choices to make when it comes to your health insurance. You may be familiar with the terms HMO and PPO. You may not know what the letters stand for or what the differences in the plans are. Let’s start by telling you what these initials mean. An HMO is a Health Maintenance Organization. A PPO is a Preferred Provider Organization. We will give some information about HMO vs PPO plans in this post. Note: Medicare Advantage plans also have HMO and PPO plans designs. The information is applicable to Medicare MA and MAPD plans as well.

We have listed some information about each type of plan below:

HMO vs PPO:

If you opt for an HMO, you will have to use specific in-network facilities as well as doctors. This network is made up of health care providers who have agreed to accept lower payment rates from members while meeting quality standards put in place by the insurance company. Medical care under an HMO plan is covered only when you use an in-network provider. There is very little opportunity to use the services of an out-of-network provider.

More HMO information:

The premium for these plans is usually lower for HMO plans.
In most cases, the deductible is either low or there is none
You will need to choose a primary care provider (PCP)with most of the HMO plans. This provider decides what medical care you need. This means that provider will have to decided if you need to see another doctor for any reason.
Usually, if you need a specialist your PCP will have to refer you to them. If your PCP does not give you a referral, your medical expense may not be covered.
- There are Open Access HMO plans that do not require a referral to see a specialist
If you use a doctor who is not in the network, you will have to pay the entire cost out-of-pocket because, there is no insurance coverage.
- A medically necessary emergency room visit is in network on an HMO plan

HMO vs PPO:

If you choose a PPO plan, you will also have a network of providers. The difference with these plans and an HMO is you can go to certain out-of-network providers. The plan will pay less towards your medical expense than an in network provider; but at least it will pay part of your cost.

More PPO information:

The premiums for these plans are usually higher than with an HMO.
In most cases, there is a deductible.
You do not need a referral from your PCP before going to any doctor or specialist.
If you need to use a provider who is not in network, you may have some of your expense covered. Keep in mind, you will have better coverage using in-network providers.

The decision to choose one health care plan over another depends on many factors. These factors include your health, your budget and the network of providers available for each plan.

Click here for information about choosing the right Medicare Plan

If you would like more information about choosing a Medicare health plan, please contact us.

You can reach us either by phone (203)796-5403 or by email [email protected]

Medicare & You eHandbook

By ecrowe | General Articles | 0 comment | 28 May, 2019 | 0

Medicare & You eHandbook

If you want the most up-to-date, accurate Medicare information, you need the Medicare & you eHandbook. Sign up by May 31, 2019 to receive your downloadable copy. Just click the following link to sign up:

Sign up to get the “Medicare & You” eHandbook.

If you don’t like to have paper clutter all over the house,Medicare will email you this fall as soon as the eHandbook is available. You will also receive an email notification when there are major updates; such as cost changes. This way you will always have the latest most accurate information.

This a quick and convenient way to find the answers to your Medicare questions. You will receive important update notifications by email. You can use the search tool to find what you are looking for easily. It only takes a few minutes to sign up for this useful tool.

If you need to sign up for Medicare, learn how to do it quickly on line click here.

Need help with Medicare questions? Please feel free to contact us either by phone at (203)796-5403 or by email at [email protected] We are happy to help youfeel confident with your Medicare choices. There is no cost to speak to a licensed agent who can help you navigate Medicare.

If you would like to quote Medicare plans, click here for Advantage, Supplement and Part D plan quotes

Compare Medicare plans

By ecrowe | General Articles | 0 comment | 12 May, 2019 | 0

Compare Medicare plans

Medicare beneficiaries will feel confident with their choice when they have the option to Compare Medicare plans.

Most people feel overwhelmed when the time comes to enroll in a Medicare plan. There are a lot of options available whether you are new to Medicare or changing plans during one of the election periods.

There are couple options when it comes to choosing how to get your Medicare coverage:

The First option is to take Original Medicare; this means Part A and Part B. If you decide to do this, you have the ability to add a Medicare supplement plan/Medigap plan as well as drug coverage or Part D. These plans provide additional coverage when paired with original Medicare. Medicare supplement plans pay the additional 20% of your Medicare approved costs that Medicare does not pay. These plans do not require you to choose a network of providers and are offered by Medicare approved, private insurance companies. You can use them with any provider who participates with Medicare. You do not need referrals to see any doctor or specialist.

Another option is to choose a Medicare Advantage Plan/Part C. A Medicare advantage plan includes both Part A and Part B coverage. They take the place of your original Medicare coverage. These plans are offered by Medicare approved private insurance companies. The Plans also require that you use a provider who participates in your plan’s specific network. These companies offer either HMO or PPO plans. Most of them also offer prescription drug coverage as part of the plan.

CLICK HERE TO COMPARE MEDICARE PLANS

You may be eligible to receive help paying for your Medicare coverage if you have limited income:

If you are within the eligible income level you may qualify for Medicaid. Medicaid is both a federal and state program that provides help with medical costs. There are also MSP programs sponsored by the state government that can help you pay medical expenses. These programs help pay medical expenses such as; premiums, co-pays and prescription costs as well as deductibles.

Medicare also works with other types of health care coverage you may have such as, employer. union or veteran’s benefits.

There are many things to think about when it comes to your health.

We understand the importance of finding the right health care coverage to fit your individual needs and budget. We are always happy to help you find the best plan for you. You can reach us either by phone (203)796-5403 or by email at [email protected]

Need to sign up for Medicare: Click here

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Medicare Supplement plan comparison

By ecrowe | General Articles | 0 comment | 12 May, 2019 | 1

You Medicare Supplement plan comparison

One you are ready to sign up for Medicare you might want to do a Medicare Supplement plan comparison. This will help you find the best coverage for your health care needs as well as your budget.

If you are thinking about signing up for Medicare there are many factors to consider.

Those factors will most likely include whether or not you would like to sign up for a Medicare supplement plan. These plans are a great tool to help provide you with additional health coverage after your original Medicare Part A and Part B pays their part of your approved medical costs. A Medicare supplement plan will help you pay the 20% of your approved medical expenses that Medicare does not cover.

If you want to sign up for Medicare on line; click here for information

Medigap is another name for a Medicare supplement plan. The plans a regulated by the federal government and must all offer uniform coverage. Many different insurance companies are licensed to offer these plans. That is why you should always do a Medicare supplement plan comparison. Although the plans offer the same basic coverage, they differ in price and extra coverage options.

Here are a few good reasons to consider a Medicare Supplement plan:

They provide extra coverage for your approved medical expenses.

You can go to any provider who accepts Medicare, that means there is no provider network to worry about.

You do not need to get a referral if you choose to go to a specialist; as long as the provider participates with Medicare.

When you travel anywhere in the U.S. you still have medical coverage.

These plans are guaranteed renewable, as long as you pay your premiums.

CLICK HERE TO COMPARE MEDICARE SUPPLEMENT PLANS

Please contact Crowe and Associates either by phone (203)796-5403 or email at [email protected] if you would like assistance with signing up for Medicare or choosing additional health care coverage.

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Compare Medicare supplement plans

By ecrowe | General Articles | 0 comment | 9 May, 2019 | 0

Compare Medicare supplement plans

When you are getting ready to sign up for Medicare, you should compare Medicare supplement plans to ensure you get the best coverage for your needs.

What is Medicare supplement insurance:

If you have original Medicare, Part A & Part B, they cover some of your health care expenses. They do not cover %100 of your medical expenses. For that reason, a Medicare supplement plan is a good option to help cover the additional costs. Medicare supplement plans(also referred to as Medigap plans) are issued by private insurance companies. The pans help beneficiaries with their out-of-pocket costs.

More information about Medicare supplement plans:

The federal government standardizes all Medicare Supplement/Medigap plans. This means that, the benefits offered from company to company are generally the same. This is a great way to assure all beneficiaries receive similar coverage. Individual companies offer additional benefits and there is also some difference in pricing among companies.

More benefits of Medicare supplements:

There are several plans to choose from depending on your personal needs.
If your doctor accepts Medicare you can choose any Medicare supplement company you wish there are no network restrictions.
You will not need a referral to visit a specialist as long as they accept Medicare patients.
You have help paying for your out-of-pocket costs.
These plans cover you when you travel anywhere in the U.S.
If you pay your premium on time, your coverage is guaranteed for life.

CLICK HERE TO COMPARE MEDICARE SUPPLEMENTS

Because the plans are standardized by the government, the best way to find the right carrier for your needs is to compare the plans side by side. This way you can choose a plan that offers the cost and extra benefits that best fit your needs.

Click here to sign up for Medicare on line

Please contact us if you would like help in choosing the best Medicare coverage options for you. You can reach us either by phone at (203)796-5403 or by email at [email protected]

What is a High Deductible F Plan

By ecrowe | General Articles | 0 comment | 24 April, 2019 | 0

What is a High Deductible F Plan

If you are ready to take your Medicare benefit, you might want to know; What is a High Deductible F Plan.

High deductible plan F is another type of Medicare supplement Plan. On this plan you pay 20% of Medicare allowable medical expenses that Medicare does not cover until you reach your deductible. After you reach your deductible, this plan works the same as a regular Medicare Supplement Plan F. All Medicare Supplement plans/Medigap plans supplement your Medicare benefits. This means that Medicare pays 80% of your approved medical expenses. Your Medicare Supplement/Medigap plan pays the remaining 20% only after you reach your deductible. This plan works well for people who have had either a high-deductible or health savings account plans in the past.

High Deductible Plan F 2020; is Medicare discontinuing this plan:

According to the US government starting January 1, 2020 Medicare Supplement plans that pay the Medicare Part B deductible will no longer be sold. These plans will not be taken away from clients who already have them. Clients can also still join these plans, if they are eligible for Medicare benefits before 1/1/20.

Will there be another comparable Medicare Supplement plan to choose in it’s place?

Although the High Deductible Plan F 2020 will not be available for new beneficiaries, there is a similar plan called Plan G. Plan G has most of the same coverage benefits as Plan F, with the exception of the plan B deductible payment.

What is a High Deductible F Plan, how do they work:

These plan are slightly different than other Medicare Supplement plans. Once Medicare pays their part of your approved medical expense, you will be responsible for the next $2,300 in costs. That is the maximum out of pocket cost for this plan in 2019. Any medical expenses you have during the year, you will pay your portion (the 20% Medicare does not cover in most cases) until you reach the $2,300 limit. Once that limit is reached your Plan F will pay 100% of your cost share (the 20% not covered by original Medicare) for your Part A & B services.

What is a High Deductible F plan; possible downside:

Some people do not like the High Deductible Plan F. Although these plans offer coverage at a lower rate than other Medicare supplements, you will receive small bills from medical providers for the 20% Medicare does not cover. This will be the case until you have reached your deductible. That is something you will have to consider when choosing a Medicare Supplement plan. If you don’t mind the small bills, you can save a good amount of money on premiums compared with standard Plan F.

These plans are not available through all Medicare Supplement Plan carriers. High Deductible F pricing varies by carriers.

If you would like help choosing the best plan for yourself or if you have questions, please contact us. You can reach us either by phone at (203)796-5403 or by email at [email protected]

Looking for a Medicare Quote? Click for our quote site

To learn more about us go to our website: click here.

Humana over the counter catalog

By ecrowe | General Articles | 0 comment | 24 April, 2019 | 1

Humana over the counter catalog

If you are a member of Humana, you will want to know how to get your Humana over the counter catalog. Please remember, only some of the Humana plans have an OTC benefit.

If your plan offers this benefit, you can use it to purchase over the counter items such as; first aid supplies, aspirin, cold and allergy medicine and many other supplies. You use your benefit allowance with Humana Pharmacy’s mail-delivery service. To find out if your plan has an OTC benefit allowance, go to myhumana.com, go to “Documents & Forms” at the bottom of the page, from there you can see your Evidence of Coverage or Annual Notification of Change documents that will explain your policy’s benefits.

Click here to download a copy of the OTC catalog

For an OTC order form, Click here.

If you have questions about how to use your OTC benefit, you can call Humana Pharmacy at 1-855-211-8370. There are Customer Care representatives available from Monday to Friday, 8 a.m. to 11 p.m. They are also available on Saturdays from 8 a.m. until 6:30 p.m., Eastern time.

There are a few ways to order your OTC items:

Order items Online. You can create an online account by clicking here for Humana Pharmacy., Once you are registered you select “Over-the-Counter (OTC) Items” and then go to “Shop Products” there you will see a list of the available products you can order from you Humana over the counter catalog .

You can order by Mail. Just Fill out the Health and Wellness Products Order Form (download a copy here) send the order form to:
Humana Pharmacy
PO Box 1197
Cincinnati, OH 45201-1197

You can Fax your order into Humana. Once you download and fill out the order form, fax the pages to 1-800-379-7617.

How much is the OTC benefit allowance?

If you have a plan with the OTC benefit, you will have to check every year to see what your OTC benefit amount is. Because Humana updates plan benefits annually to try and offer the best value to their members. You can find this information if you sign in to your Humana account by going to Humana.com. Once you are in your account go to the bottom of the page and click on Documents & Forms. From there you can review your Evidence of Coverage or Annual Notification of Change documents. This is where you will see the amount of your OTC benefit as well as other important plan information.

In the event that your OTC order exceeds your benefit allowance, you must pay the remaining balance. You can make your payment either by check, money order or by credit card.

Please note: sales tax may apply if your order total is over your benefit allowance.

If you do not use your OTC benefit; the unused balance does not roll over to the next month or quarter.

If you need help find the right plan please contact us either by phone at (203)796-5403 or by email at [email protected]

To learn more about us go to croweandassocaites.com.

Blog

Medicare Supplement cost comparison

Medicare Supplement cost comparison – things to know:

Medicare Supplement cost comparison – more information:

Renewing the plans

Links to rates for each state

Dental, Vision & Hearing plan

Medicare Part B premium appeal form

Medicare Part B Appeal Form – Income for extra help

PPO

More PPO information:

PPO Providers:

PPO plans might be a good fit for you if:

Does Medicare cover home healthcare

Does Medicare cover home healthcare; Medicare will cover your home healthcare services if you meet all the criteria below:

Medicare will pay for the following medical care, when you meet all the requirements:

Physical, occupational or speech therapy for any amount of time the doctor recommends.

Medicare will also pay for approved, necessary medical supplies such as wound coverings ect. It does not include either prescription drugs or biological therapy.

Durable medical equipment such as canes, walkers or wheelchairs are also covered by Medicare.

FDA approved injected osteoporosis drugs are also paid for by Medicare when deemed necessary in certain situations.

HMO vs PPO

How do HMO and PPO Plans differ?

We have listed some information about each type of plan below:

HMO vs PPO:

More HMO information:

HMO vs PPO:

More PPO information:

Medicare & You eHandbook

If you need to sign up for Medicare, learn how to do it quickly on line click here.

Compare Medicare plans

Most people feel overwhelmed when the time comes to enroll in a Medicare plan. There are a lot of options available whether you are new to Medicare or changing plans during one of the election periods.

There are couple options when it comes to choosing how to get your Medicare coverage:

You may be eligible to receive help paying for your Medicare coverage if you have limited income:

There are many things to think about when it comes to your health.

You Medicare Supplement plan comparison

If you are thinking about signing up for Medicare there are many factors to consider.

Here are a few good reasons to consider a Medicare Supplement plan:

Compare Medicare supplement plans

What is Medicare supplement insurance:

More information about Medicare supplement plans:

What is a High Deductible F Plan

High Deductible Plan F 2020; is Medicare discontinuing this plan:

What is a High Deductible F Plan, how do they work:

What is a High Deductible F plan; possible downside:

Humana over the counter catalog

For an OTC order form, Click here.

There are a few ways to order your OTC items:

How much is the OTC benefit allowance?

If you do not use your OTC benefit; the unused balance does not roll over to the next month or quarter.

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