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Anthem MediBlue Select HMO

Anthem MediBlue Select HMO is a Medicare Advantage plan with prescription drug coverage (MAPD).   In fact, Anthem Blue Cross Blue Shield offers this plan only in Hartford county in the state of Connecticut.   This, like all HMO plans, require that participants use in network providers.  If you choose to use out of network providers, this plan will not cover your expenses.  An exception to this would be urgent or emergency care which allows of of network services.

The plan has a monthly premium of $26. This would be in addition to the part B premium of $121.80.  There are no referrals required for this plan. Co-pays for a primary doctor are $15 and $40 for a specialist.  The plan has an annual out of pocket max of $6,100 per year.  Annual maximum indicates the most the insured would need to pay in medical claims for  the year.  You can not apply either Monthly premiums or cost-sharing for part D prescription drugs to the maximum out of pocket amount.

You can add dental services to the plan for an additional premium.  In Addition, Silver Sneakers is included in the $26 monthly premium and pays a local gym membership monthly fee.   If you use approved diabetic supply vendors your diabetic supplies are covered at 100%.

This plan offers prescription drug coverage with $220 annual deductible.  This deductible applies only to tiers 2-5.  The plan excludes both Tiers 1 and 6 from this deductible.  There is no limit to how much the plan will pay.

A Medicare Advantage plan should not be confused with a Medicare Supplement plan (also called Medigap).

MAPD plans offer both medical and drug benefits combined with the insurance company as the primary insurance.  With a Medicare Supplement, original Medicare is primary.  The insurance company would be the secondary insurance.  As a result, a Medicare Supplement plan does not have a network.  Because members may see any provider that participates with Original Medicare, it is different from an Advantage plan.

 HMO summary of benefits Anthem MediBlue Select

Anthem MediBlue Selelct HMO application

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UHC Branded Plan L Medigap Connecticut

The term “Medigap” and “Medicare Supplement” are the same.  They are both just terms to describe Medicare plans that are secondary to Original Medicare.  These plans only cover medical expenses.  They do not include a Part D drug benefit.  That is why we are taking the time to inform our agents about the UHC Branded Plan L Medigap Connecticut.   In fact,  Medigap Plan L is offered by AARP through United Healthcare. United Healthcare currently has the lowest cost plan L in Connecticut.

All Medigap plans are subsidized in the state of Connecticut.  In fact, this means that if a company offers a Plan L, it must have the same benefits as every other company that offers the option of a Plan L.     CLICK HERE TO LEARN MORE ABOUT PLAN L.  Please keep yourself up to date on all the Medicare supplement plans available to your clients.  This is the best way to give your clients the service they deserve, so they will not need to go elsewhere for information.  If you provide clients the coverage they need as well as the prices they can afford, your book of clients will grow.

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CLICK HERE FOR AN APPLICATION

Please feel free to contact us if you have any other Questions.  You can reach us either by phone at 203-796-5403 or by email at admin@croweandassociates.com.

United Health Care Branded Plan N Medigap Connecticut

Crowe and Associates would like to help you answer any questions you have about United Health Care Branded Plan N Medigap Connecticut.  Both terms “Medicare Supplement” and “Medigap” are interchangeable as they refer to the same insurance coverage. People use both these terms as names for private insurance plans that you can use as secondary coverage after your Original Medicare plan.  You should note that Medigap plans do not included Part D drug coverage.  In fact,  AARP offers Medigap plans through United Healthcare.  Additionally, people who purchase this UHC plan currently enjoy a lower premium rate.  This is an advantage over the other companies who offer Medigap plans at a higher rate in the state of Connecticut.

Often times people choose to use the Plan N as a supplement option as an alternative insurance choice to a Plan F Medigap plan.   If you would like to learn more about this,  FOR MORE INFORMATION ON PLAN N CLICK HERE.

CLICK HERE FOR MORE INFORMATION

CLICK HERE FOR APPLICATION

In Addition, please feel free to contact us if you have any questions.  You can reach us either by phone at (203)796-5403 or by email at admin@croweandasssociates.com.

AARP Plan N Supplement Connecticut Medicare

If you would like to learn more about AARP Plan N Supplement Connecticut Medicare, you should read this post.  AARP Medicare Supplements offered through United Healthcare currently have the lowest monthly premiums in Connecticut.   Medicare Supplements (also called Medigap) are standardized in Connecticut which means the benefits are uniform from company to company.  Plan N Supplement should be given consideration as an alternative to Plan F.   Plan N covers 100% of the part A deductible and coinsurance.  It will cover all but $20 of the Medicare Part B coinsurance.   The only other charge is a $50 charge for emergency room visits.

Plan N does not cover the part B deductible which is $144.00 one time per year.  It also does not cover part B excess over 100% and excludes coverage for foreign travel emergency.   The plan is still very solid and like all supplements, allows you to go to any doctor you choose as long as they accept Medicare.   The premium for plan N is $147.00 a month.  This cost should be compared to Plan F ($221.00 a month).  Often, the math will come out better on the plan N vs. the Plan F due to the premium savings.

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CLICK FOR AN APPLICATION

Other Questions?  Call our office at 203-796-5403

Crowe & Associates will hold Medicare Seminars the 1st and 3rd Wednesday of every month in 2013 starting in February.  Meeting will run from 10:00 to 11:30 am.  We will be holding meeting in multiple locations throughout the year.  A schedule of times and locations are listed below. Read more