Medicare Annual Enrollment begins October 15th.
Medicare Annual Enrollment begins October 15th.
There's a saying "Medicare stops at the border". In most cases, Medicare, Medicare Advantage, and Supplement benefits cannot be used outside of the US. The exception is in the case of emergency or urgent care, which are covered. However, those benefits are covered on a reimbursement basis meaning that you must pay for your emergency out of pocket and then submit a paid invoice to your insurance carrier for reimbursement. It takes time and you generally are required to have invoices translated to English before submittal. For those reasons, we suggest purchasing travel insurance for the duration of your trip.
Yes. Under the Affordable Care Act, you must be "lawfully present" in the US in order to qualify for health insurance. As long as you have made legal entry, we can get you enrolled in a plan where the cost would be based on income and household size.
No, you've probably done everything right. With the exception of group and employer plans, there are no longer any PPO plans available in Southern Nevada both on the exchange and off. This does not apply to Medicare Advantage plans however.
Well, first of all, my services are free to you. Insurance companies pay brokers like me, and it does not affect what you pay for the insurance. Second is simply this...There are over 80 different plans available in the marketplace and the language in these plans is not very clear with regard to the details. Deciphering the difference between deductibles, copays, coinsurance, and maximum out-of-pocket limits can be frustrating and sometimes near impossible. My job is to research these plans in detail, so you know exactly what you are enrolling in. In addition, plans and regulations change every year. It's all I can do to keep up. I don't know how someone who is not in the business would do it.
No. You would enroll in what is called your "Medicare Initial Enrollment Period" which is the 3 months before the month that you turn 65, the month that you turn 65, and the 3 months after the month that you turn 65. So, you have a 7-month window in which to enroll.
The short answer is "that depends". Every year I send a newsletter to my clients explaining the changes in their current plan along with anything new that is coming up for the following year. Many times, insurance companies introduce new plans that have better benefits that makes changing plans a good option. Sometimes doctors change networks. Sometimes a client wants to see a different doctor who isn't in their plan's network. All are good reasons to consider changing. Another thing is drug coverage. Sometimes a Tier 3 drug, which usually costs $47 with their current plan, is a Tier 2 drug with a different plan, where it would cost $0. These are all things that I review with my clients every year, and if a change makes sense, we do it.
The whole concept behind the Affordable Care Act was to provide health insurance that everyone could afford. Now, it hasn't worked out that way in many cases, but I can tell you that we have helped many, many people in your same situation. We will look at your household size and household income and determine if a subsidy is available and how much that subsidy is. Then we will apply that subsidy to any plan that you choose in order to bring the cost down to a level that you are comfortable with.
There are brokers, insurance companies, and telemarketers who are using shady tactics to get an audience with potential clients, and this is one of them. The statement on the surface is true, but they don't tell you the whole story in whatever advertising method they are using.
Those plans ARE out there, but they are for individuals who have both Medicare AND Medicaid...what we call "dual eligible". If you don't fall into that category, then that particular benefit is not available to you. However, there are many other benefits that are. Dental, vision, hearing benefits, allowances to purchase over-the-counter items, gym memberships, and many more benefits that vary from one plan to another. If you have questions, call us.
With regard to Medicare...We do not offer every plan available in your area. Currently we represent 12 organizations which offer 88 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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