If you are new to Medicare, you should Compare Medicare Advantage plans to find the one that fits you best. Some people refer to Medicare Advantage plans as either Part C or MA Plans. These plans are used as an alternative to original Medicare. If you choose to participate with a Medicare Advantage plan, you do not lose your Medicare benefit. These plans include your Medicare Part A and Part B and in most cases a prescription drug plan or Part D.
Private insurance companies must have their plan approved by Medicare before they can offer them to clients. Medicare has very strict guidelines that insurance companies must follow. Once Medicare approves the plan, Medicare will pay a certain amount to these insurance companies every month for your care.
Every plan has different charges, costs and rules for services you receive. Some plans require you to get a referral before seeing a specialist and weather or not you have to go to certain approved providers for your medical care for non emergency care. Insurance companies change there policies every year. That means you should check your policy each year during open enrollment to be sure it is still the best option for you.
Although Medicare Advantage Plans cover all the services that original Medicare approves, some Medicare Advantage plans offer additional extra coverage. The options can include things like; vision, hearing and dental coverage. The cost for each plan also varies depending on the company you choose as well as your location and a few other things. Click here for more cost information.
Crowe and Associates wants to make sure all our clients are aware of the Medicare Advantage Open Enrollment Connecticut 2015. This is a great opportunity for both uninsured individuals as well as families to get much needed health coverage. Medicare Advantage plan companies are able to make plan and benefit changes to existing plans every January, during open enrollment. There will be major changes this year for many plans in Connecticut. These changes include premium increases, plan terminations, as well as the introduction of referral based plans and more.
Medicare Advantage plans are currently offered in Connecticut by United Healthcare (AARP and non AARP branded), Aetna, Connecticare, Anthem BlueCross BlueShield and also Wellcare. Most of these companies will be making major changes to existing plan holders benefits. Please note: Medicare Supplement plans such as the AARP Medicare supplements (also called Medigap) do not change benefits. They are only subject to rate increases.
(OEP) is your opportunity to review your plan and make changes if necessary. The OEP period runs from October 15th to December 7th. If you apply for any changes during that period they will be in force as of January 1, 2015. OEP is the only opportunity during the year to change plans or companies. (Unless you have a special election). Crowe and Associates works with all MAPD plans offered in Connecticut for 2015. As a result, we are able to review all available plans to help you find the best option. Plan reviews can be done by phone, at our office in Brookfield, our various library seminars or even in the home.
Please feel free to contact us if you would like to schedule a review for the open enrollment period. You can contact us by either calling our office at 203-796-5403 or emailing us at admin@croweandassociates.com.
In this post we will try to help you understand Medicare Advantage Plan Applications Connecticut 2014. In fact, there are 5 companies offering Medicare Advantage plans in Connecticut for 2014. Those companies are United Healthcare, Connecticare, Aetna, Anthem BCBS as well as Wellcare. The post below contains links to benefit summaries of all the popular offerings from each company. We also include links to applications for those people that want to apply. Please keep in mind, that we have not listed all the plans that are offered in the state. This is only a list of the most common plans people inquire about in Connecticut.
This is a Medicare Advantage plan offered by United Healthcare. The plan has both a $0 monthly premium and is an HMO.
Click for United Medicare Complete Plan 2 Application
For United Medicare Complete Plan 2 Summary Of Benefits Click Here
This is a Medicare Advantage plan offered by Aetna. The plan has a $0 monthly premium and is an HMO as well.
Click For Aetna Value Medicare Application CT 2014
For Aetna Value Summary Of Benefits CT 2014 – Click Here
Wellcare offers a $0 monthly premium HMO in Connecticut.
Prime 1 is a Medicare Advantage plan from Connecticare. The plan has $0 monthly premium and is an HMO
Click Here For Connecticare Medicare Application CT 2014
All completed applications can be either faxed to Crowe and Associates at 203-567-6235 or sent by email to Edward@Croweandassociates.com. Additionally, if you want to send them by mail, the address is : Crowe and Associates, 304 Federal Road, suite 107, Brookfield, CT 06804.
We will review all applications before we submit them. If in fact we need any additional information, we will let you know. If you have any questions, please call us at 203-796-5403.
Crowe and Associates (Edward K. Crowe -Owner) is a brokerage agency located at 304 Federal Road, Suite 107, Brookfield CT. The agency is A rated with the BBB and is independent offering all major insurance companies. The company website is croweandassociates.com
There are only certain times when you can enroll/dis enroll or change a Medicare Advantage plan. Note that Medicare Advantage plans are sometimes called Medicare Part C or an MAPD plan. There is a general period when someone turns 65 in which they can enroll. This time frame is 3 months before the month they turn 65, the month they turn 65 and three months after they turn 65. There is also the AEP period during which current members can make any type of plan change. This period runs from October 15th to December 7th every year. During this time, an application can be put in to make a change for a January 1 effective date. The last type of period is the SEP period (Special Election Period) in which a change can be made at any time during the year. Click on the link below for access to a grid showing all elections.
There are 5 companies offering Medicare Advantage Plans (MA or MAPD) in the state of Connecticut. The 5 companies are Anthem BCBS, Aetna, United HealthCare, Connecticare and Wellcare. They do not all offer their plans in all counties of Connecticut however. This post provides an overview of what is available. Please call or email us for a benefit summary on any of the plans listed below.
WellCare- Offers plans in Fairfield, Hartford and New Haven Counties. Wellcare has a $0 premium plan that boasts the lowest copays of any $0 premium MAPD in Connecticut. They also have the only Dual Eligible offering in the state. Both plans are very strong from a copay and additional benefit standpoint. Wellcare does have network limitation that need to be considered. Networks tend to be best in and around cities. They do not have network in northern Fairfield county.
Anthem BCBS- Anthem offers plans in all counties of Connecticut. They have an HMO offering for $28 per month. They also have a PPO (available in limited counties only) for $18.00 that boasts very strong benefits compared to all other PPO plans in Connecticut. Anthem has a very large network but is missing some major Physician IPA groups in CT.
United HealthCare- United offers plans in all counties of Connecticut. They have 2 HMO plans ($99 a month plan and $0 a month plan) along with an AARP branded PPO plan for $24.00 a month. United has an extensive provider network through Connecticut. The UHC plans do not participate with Quest Labs which should be taken into consideration. All other major labs do participate however.
Aetna- Currently offer plans in Fairfield, Hartford, Litchfield and New Haven county. They have a $0 premium plan HMO, $94.00 HMO and a $90 PPO plan. The $0 premium plan has benefits second only to Wellcare when compared to the other $0 premium plans in the state. They also have a substantial network to go with the plan and allow for access to any Aetna Medicare HMO provider nation wide. The Aetna PPO is not competitive at this point due to a $1,000 out of network deductible.
Connecticare- We have a contract with Connecticare but they will not allow to post any comments about their plan. Call the office if you want information on this company 203-796-5403 or email Edward@Croweandassociates.com
HOW CROWE & ASSOCIATES CAN HELP YOU:
Crowe & Associates is an independent based in Brookfield CT. We are A rated with the BBB and are contracted to sell every Medicare Advantage plan in Connecticut. We are paid commission from the companies and do not charge clients a fee for our services as a result. We work with seniors in Connecticut every day to help them find the right Medicare plan to meet their needs. Feel Free to call our office at 203-796-5403 or email me at Edward@Croweandassociates.com
There are 5 companies offering Medicare Advantage Plans (MA or MAPD) in the state of Connecticut. The 5 companies are Anthem BCBS, Aetna, United HealthCare, Connecticare and Wellcare. They do not all offer their plans in all counties of Connecticut however. This post provides an overview of what is available. Please call or email us for a benefit summary on any of the plans listed below.
WellCare- Offers plans in Fairfield, Hartford and New Haven Counties. Wellcare has a $0 premium plan that boasts the lowest copays of any $0 premium MAPD in Connecticut. They also have the only Dual Eligible offering in the state. Both plans are very strong from a copay and additional benefit standpoint. Wellcare does have network limitation that need to be considered. Networks tend to be best in and around cities. They do not have network in northern Fairfield county.
Anthem BCBS- Anthem offers plans in all counties of Connecticut. They have an HMO offering for $28 per month. They also have a PPO (available in limited counties only) for $18.00 that boasts very strong benefits compared to all other PPO plans in Connecticut. Anthem has a very large network but is missing some major Physician IPA groups in CT.
United HealthCare- United offers plans in all counties of Connecticut. They have 2 HMO plans ($99 a month plan and $0 a month plan) along with an AARP branded PPO plan for $24.00 a month. United has an extensive provider network through Connecticut. The UHC plans do not participate with Quest Labs which should be taken into consideration. All other major labs do participate however.
Aetna- Currently offer plans in Fairfield, Hartford, Litchfield and New Haven county. They have a $0 premium plan HMO, $94.00 HMO and a $90 PPO plan. The $0 premium plan has benefits second only to Wellcare when compared to the other $0 premium plans in the state. They also have a substantial network to go with the plan and allow for access to any Aetna Medicare HMO provider nation wide. The Aetna PPO is not competitive at this point due to a $1,000 out of network deductible.
Connecticare- We have a contract with Connecticare but they will not allow to post any comments about their plan. Call the office if you want information on this company 203-796-5403 or email Edward@Croweandassociates.com
HOW CROWE & ASSOCIATES CAN HELP YOU:
Crowe & Associates is an independent based in Brookfield CT. We are A rated with the BBB and are contracted to sell every Medicare Advantage plan in Connecticut. We are paid commission from the companies and do not charge clients a fee for our services as a result. We work with seniors in Connecticut every day to help them find the right Medicare plan to meet their needs. Feel Free to call our office at 203-796-5403 or email me at Edward@Croweandassociates.com
Medicare Advantage plans in various markets have been cancelled or discontinued for January 1, 2013. If your Medicare plan was cancelled, you still have an opportunity to enroll in a new plan. Losing a plan due to a discontinuance, qualifies for an SEP period (Special Election Period) which runs through Feb. 28 2013. Read more
A number of our clients want to know how a Medicare Advantage plan works and how it is different from Medicare A and B and/or a Medicare Supplement plan. The fact is that Medicare Advantage plans are very different from standard Medicare A and B and a Supplement. Read more
Insurance Live Transfer Leads With Crowe and Associates, agents can access insurance
Insurance Agency Website by Stratosphere
Online Enrollment- Enroll prospects online without the need for a face to face appointment. Access to all major carriers with the ability to compare plan benefits and prescription drug costs. Link to recorded webinar https://attendee.gotowebinar.com/recording/2899290519088332033
All agents receive a personalized enrollment website. Prospects can use the site to compare plans, check doctors, run drug comparisons and enroll in plans. Agents are credited for all enrollments. Click Here
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