Medicare Advantage Plans, know the difference with plans

Medicare Advantage plans are in many kinds and are prominent as Part-C Medicare plans. The advantage is that the Medicare Advantage plans function as an alternative to A and B Parts of Medicare Traditional benefits. The Part-C Medicare offers similar coverage as you receive from the accepted Medicare, despite the hospice benefits, but that is obtainable from private insurance companies that are Medicare approved. There are many MA plans that shower benefits and they are much beyond the Original Medicare and they entail regular dental coverage or the prescription for drug coverage as service benefits. Find more information

The common kinds of Medicare Advantage plans are the Health Maintenance Organizations, the Special Needs Plans, Private Fee for Service and Preferred Provider Organizations. There are plan options that are less common such as HMO-POS and MSA plans. However, also note that with plan the benefits vary and are plan-specific. Thus, it is crucial for one to compare the benefits of each plan and to identify the right one. Medicare Advantage plans are provided by Medicare approved private insurance companies and there are difference in the plans and this includes the costs as well as the additional cover offered such as wellness coverage, dental, routine vision and hearing, to avail services. Each plan is different and so it is very important to confirm the plan you wish to choose is available in your area.

Is there difference with plans?

Medicare Advantage plans differ with each plan type and have different rules to acquire services. Some policies expect you to bring a recommendation from your main doctor to visit a specialist. If you fail to do so, the services offered by the specialist may not be covered fully. Likewise, in some types of plan, on receiving the services of health care from the providers beyond the network, the plan denies covering services or the costs as out of pocket may be higher. Another disproportion is in paying for Medicare Advantage plans different medical services. Some are based on monthly premium apart from the regular Part B Medicare premium. Besides, the coinsurance, copayments and once a year deductibles also vary between plans. Regardless of the type of Medicare Advantage plans you have, you are expected to pay Part B Medicare premium.  It is best to compare the plans, keeping in mind your need for the health services types, taking into consideration the medications you take, how often and the amounts of coinsurance or copayment for services and drugs under different plans, before taking a final decision.

Medicare supplement Plan N and How It Helps You Lower Your Expenses

The Medicare supplement plan N is an aid to the Medicare part A and B, which don´t cover for all expenses. Enrolling to this supplement plan will help you avoid some costs, you would otherwise pay for out of your own pocket.

The benefits that are covered by this plan are:

  • Expenses for Medicare part A coinsurance due to hospital stay
  • Expenses for Medicare part B co-insurance
  • Expenses for Medicare part A deductible
  • Expenses for Medicare part B deductible
  • Expenses for hospice co-insurance
  • Expenses for foreign travel
  • Expenses for co-insurance due to preventive care
  • Expenses for hospital days up to 365 days after Medicare part A stops covering

There is also one additional benefit you can take advantage from, which is the expense for Medicare part B co-insurance. This expense will be covered by the Medicare supplement N, but will include a co-pay, which you will need to pay out of your own pocket. The co-pay of Medicare supplement plan N will leave you paying up to 20$ every time you visit a doctor´s office and up to 50$ co-pay for visits to the emergency room.

There are two expenses that the Medicare supplement plan N won´t cover for. These expenses however, can be easy to control, making Medicare supplement plan N a good choice. The only thing it won´t cover for is the Medicare part B deductible and Medicare part B excess charges. The Medicare part B deductible is an annual amount of $183. After paying this amount, there is no other additional cost you will have to pay for! The Medicare part B excess charges can be easily avoided, so that you don´t have to pay any excess charges at all! All you need to look out for, is that you are visiting a health provider who has agreed to the Medicare costs. These health providers will never charge you more for a health care service, than what the Medicare supplement plan covers for! You can simply call the health care provider of your choice and ask. If they do cover more, there are many other health care providers to choose from!

The Medicare supplement plan N is all in all one that does cover a whole deal of expenses and can give you a peace of mind. All you´ll have to pay for is your Medicare part A or B and the premium rate for the Medicare supplement plan N. The premium rate all depends on the company you choose to enroll to. As the health insurance companies that provide them are all private, they all have the right to set different kinds of prices based on their own criteria. Some of the criteria that may be taken into consideration are the age of the individual, the area they live in, in some cases gender (because statistics show that men require more health care services than women) and to most companies, whether you´re using tobacco or not will be also relevant!

Medicare Supplement Plan G: Why is it becoming more popular than plan F?

The Medicare Supplement Plan F has been the best sold plan until now. Recently, however, the Medicare supplement plan G is getting more and more attention and the number of members who enroll to this plan keeps on growing. What is it that is making members switch to plan G or choose this plan in the first place? And what is the difference between these two options?

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The difference between Medicare Supplement Plan F and Plan G

Both of these available options of getting additional health insurance cover almost all similar expenses. While Plan F is the one that covers all of them, plan G won´t cover the deductible of Medicare Part B. This deductible amounts up to 183$ per year. This difference is one of the reasons why people are starting to lean towards plan G more than the until now favorite plan F. A 183$ deductible rate annually isn´t as high and in cases of emergency, one can easier pay this expense out of one´s own pocket. The premium for Plan G costs less than the one of Plan F, which is why in many cases, choosing plan G might save you money on the long-run. It turns out, that it doesn´t make such a difference whether you pay the 183$ deductible extra out of your own pocket, or whether you pay higher premium rates for plan F, which then also uses this money to pay that deductible for you. In fact, analysists say that it will be cheaper for the members to simply pay the deductible rate themselves, instead of having the supplement insurance company pay it forward for them.


Why choose Plan G over plan F?

After it has been announced, that Medicare supplement plan F isn´t going to be available to those who turn 65 in 2020 and thereafter, a lot of questions have risen up. Why isn´t this plan going to be offered in the future and what are the consequences of this? A logic expectation of plan F no longer being available to all after this time is that there will be less members of it and the members who are already in it will continue to become older and older. It is well known and statistically proven, that with older age we require more and more medical attention. What does this mean to the insurance company? There will be less members who pay for the premium and the members who da pay the premium will require, in most cases, high costs for medical attention. The only way for the insurance company to cover all this, will be to increase the premium of the plan. After this occurs, it will be more than likely, that paying for the plan F premium will turn out to be more expensive, than simply getting a Plan G and paying the 183$ deductible extra. In fact, some experts believe that switching even now will end up saving you money in the long run. 

Medicare Supplement Plan F: Why most consider it to be the best

Although plan F is the most expensive one out of the ten available Medicare supplement plans out there, it is also the most popular one and over 50% of citizens who have Medicare part A or part B choose this additional supplement plan. What exactly makes this plan the best for so many and is it the best one for you too?


It covers (almost) all expenses

Out of all the possible expenses that patients would need to pay out of their own pockets, the plan F comes in and covers all of them. So, why (almost) all? The only expenses that this plan and no supplement plan covers are ones due to routine vision and dental services, eyeglasses, hearing aids and prescription drugs. Other plans, such as A and B only cover three to four of these expenses and only the most basic ones.

The plan F also doesn´t have an out-of-pocket limit, like plan K and L do. These last two plans would require their members to first reach an annual limit of $5,240 when a member of plan K and a limit of $2,620 when on plan L, before starting to cover for health-care expenses.


Here´s a list of all expenses that are covered by the supplement plan F: Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted, Medicare Part B coinsurance or copayment, first three pints of blood (when blood transfusions are necessary), Medicare Part A hospice coinsurance or copayment, skilled nursing facility  coinsurance, Medicare Part A and Part B deductibles, Medicare Part B excess charges and foreign travel emergency.

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Regardless the age, one can´t foretell what will happen in life and especially your health state can change quickly and is in often cases something we have no control over. Health comes first and without getting medical help when necessary, proceeding with everyday activities may become impossible. The last thing one wants to worry about when in excruciating pain, is how to gather the money to get professional help. Especially if you´re on your own, being sick and not having enough money for doctor´s visits can leave you pretty much optionless. It´s not easy working and earning money for your medical bill while dealing with a condition. Imagine getting an unexpected diagnose or having a severe accident. You would need to stay in the hospital and surgery expenses can in some cases go over 70,000$. An original Medicare Part A would, for example, only pay 14,000$ of this expense. Having plan F, you gain the peace of mind that whatever comes your way medically, you will be able to get the help you needed, without having that financial burden. Although many mistake plan F for being the best only for the elderly, health issues can come at any age and it is always better to be safe than sorry.

How to Find The Right Medicare Supplement Plan

A Medicare Supplement plan has a monthly premium and is in addition to the premiums paid for other Parts like A and/or B.  This plan is sold only by private companies that are licensed to sell it in any state.

What are the aspects of this plan that you do not understand? Gone are the days when we are limited to offline information. With the internet, you are going to get every answer you want within a short time. This is the reason why people can easily get a plan within a day or two.

A Medicare Supplement plan, to define it simply, is a plan that provides coverages that are in addition to – in other words, supplements – coverage provided by Original Medicare.  To understand Medicare Supplement plans better, it is worthwhile to understand some terminology used for Original Medicare.

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Original Medicare is a health plan that has two parts: Part A and Part B.  Part A covers expenses related to hospital stay, skilled nursing care beyond custodial care, hospice and home healthcare.  The premium for Part A ranges from nil to a value that is decided based on conditions like Medicare taxes paid for a specified duration.  Part B covers expenses such as doctors’ fees, laboratory tests and surgeries that do not require hospitalization; in addition, Part B covers expenses for preventive services like health check-ups and vaccinations.

When you have a health plan that you could fall back when you have retired or sick is one of your health responsibilities. Going into health care insurance is very necessary because it would help you financially when the need comes up. This covers all expenses that you may incur in your retirement or when you fall sick.

What You NEED to Know About Plan C

What is Part C?


Medicare Part C is additionally alluded to as “Medicare Advantage.” Medicare Part C is offered just by privately owned businesses with a Medicare contract. If you join a Medicare Advantage Plan, the plan will give Part A (Hospital Insurance) and Part B (Medical Insurance).


What Does Part C Cost?

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Today, numerous Medicare Advantage Plans are wiping out their month to month premiums. Corresponding to the expulsion of premiums, the out-of-stash costs for these plans are ordinarily lower than the out-of-take costs in Original Medicare (4). There are different out-of-take costs related with different Medicare Advantage Plans, so it’s imperative to do your exploration. Your out-of-take costs for Medicare Part C are subject to (1):


If the plan charges a month to month premium.


If the plan pays any of your month to month Part B premium.


If the plan has a yearly deductible or any extra deductibles.


The charges for each visit or administration (copayments or coinsurance).


The sort of medicinal services administrations you need and how often you get them.


If you take after the principles of the plan, such as utilizing system suppliers.


If you require additional advantages and if any expenses are related to these advantages.


The plan’s yearly cutoff on out-of-stash costs for all your medical administrations.


If the Plan pays any of your Part B premium, otherwise called Part B Premium Reduction:


The Medicare Part B premium is secured for full Dual Eligible individuals


Premiums, co-pays, co-insurance, and deductibles may shift in view of the level of assistance got for Dual Eligible SNP individuals


What Does Part C Cover?


Keep in mind, everything that is secured by Part An and Part B is secured with a Medicare Advantage Plan. If you are secured by a Medicare Advantage Plan, you get coverage for all medically vital administrations, including crisis and critical care. Privately owned businesses that offer Medicare Part C typically have systems of specialists, and this may imply that you should see your plan’s specialists so as to get mind. When settling on your choice on Medicare Part C, it’s a smart thought to inquire as to whether the specialists close to your house are incorporated into their system.

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Except for hospice mind, Medicare Advantage plans are required to cover the greater part of the administrations that Original Medicare covers. Unique Medicare covers hospice mind regardless of whether you’re are enlisted in Medicare Part C. Medicare Advantage Plans are not supplemental coverage.


At the point when Can You Enroll in a Medicare Advantage Plan?


Every year, there is a specific time when you can select in a Medicare Advantage Plan called the Annual Election Period. Get your day by day planner and Google Calendar prepared; the 2012 Annual Election Period is booked for October 15-December 7, 2011. Except for those recipients that end up qualified for an Initial Enrollment Period or Special Enrollment Period, this is the day and age that applies to you. The time allotment for the Annual Election Period is liable to change from year to year, so make a point to check for refreshes!

What are the Plus Points of Medicare Supplement Plans?

The plus points are the offered benefits that save us from the under righting conditions during our critical health situation. Let us see the best-offered advantages of the Medicare supplement plans.

Ensure Guarantee of Acceptance:

When you are requesting for having the Medicare supplement plan is surely be accepted even you are suffering from a health condition. The insurance company cannot charge more costs due to your health condition. When you had applied for the open enrolment period then you can apply for the supplement plan whenever you want.

Easy to Renew the Policy:

The Medicare supplement plan can be renewed easily without any cancelation by the company. The plans can be renewed automatically in the next coming year.

Protect from Large Medical Bills:

As you know the medical treatments are more expensive now. The Medicare supplement plan will help you to pay your large hospital bills without any burden because it will pay for you according to the approved Medicare services. The plan holder is only responsible for a few costs related his Medicare treatments and the others will be paid by the insurance.

Work outside the Country:

The Medicare supplement plan will help you to pay the treatment costs of any sudden accident or illness even when you are out of the country such as going for a trip or on a vacation.

Easy to Choose a Doctor:

According to the Medicare supplement policies you can get covered for the service that you have received from the doctor or hospital that accepts approved Medicare. So you can easily choose a doctor that is a participant in Medicare for having your treatment.

Variety of Plans and Standardized Schemes:

There are ten Medicare supplement plans that are highly standardized by the law and you can choose the best plan according to your requirement without any restriction. All plans cover the basic costs related with original Medicare and offer all the benefits of Medicare and their premium costs can be low or high according to the coverage of the plan.

Complete user Control:

As being a plan holder you have the authority to not only choose the desired plans but also you can add the additional plan with it such as the Medicare prescription drug plan. There is another benefit of control that you can easily change your plan. The insurance will provide you a trial period in which you have to use the new plan and then decide if the plan is good for you or not. When you find the plan useless then you can switch back to your previous plan easily.

So these are the benefits that make the Medicare supplement plans highly reliable for its users.


Medicare Supplement Plan, how does it work?

Medicare supplement plans or Medigap plans absolutely play the role of supplementing the Traditional Medicare benefits. These policies are known as Medicare Supplement Plans. However, you must have Original or Traditional Medicare enrolment to qualify for Medigap coverage and there is a requirement to stay enrolled in the Traditional Medicare for the medical and hospital coverage. The Medigap plans are not totally focused towards providing stand-alone benefits.

Few things to consider

  • The foremost about the Medicare supplement plans coverage is based on the state you are presently living in, the coverage may or may not be available for various reasons. This includes if you have not attained 65 years, have disability, amyotrophic lateral sclerosis, or end-stage renal disease. The states are not mandated to provide Medigap coverage to under 65 as beneficiaries. In case you are not enrolled in Traditional Medicare and are under 65 years, you may check with the insurance department of the state to find if you qualify for Medicare supplement plans enrolment.
  • Bear in mind that Part D is not included in the Medigap plans as it offers the coverage of prescription drug. Thus, if you are looking for medication costs, you may enroll as a Medication prescription stand-alone drug plan. Apart from this, you may use your Medigap to pay for the costs. The Medigap insurance covers the Original Medicare costs.
  • If there is original Medicare and also the Medigap, the first amount will be paid by Original Medicare and the cost gaps will be paid by the Medigap, the Medicare supplement plans. For instance, you have an ambulance bill of $5000 and the Part B Medicare deductible is already met means the Medicare Part B pays 80% ambulance bill. In case Medicare Supplement plans cover coinsurance and copayments costs part B, then Medigap policy pays 20% remaining coinsurance of ambulance bill for $5000. In fact, some may cover the deductible of Part B as well.

The coverage premiums and levels vary, but the benefits within a lettered category of each plan remain the same regardless of the location. For example, the benefits of Plan A are the same in Oregon and in New Jersey. In case a Medicare Supplement plan comprises of a certain benefit, it is 100% covered benefit, unless or otherwise specified.


Medicare Supplement plans some also cover:

  • Medicare Part A and B deductible
  • Skilled nursing facility care coinsurance
  • Foreign travel emergency as per plan limits

What will a Policy Cost and how is it determined?

Premiums are set for each plan based on different factors. The more the benefits in a plan included means the premiums will be more. Thus, it is stressed that having a good coverage helps and it creates a safe state of mind. There may be times when you also consider why pay unnecessarily for the benefits you do not require? The answer is that right from Plan A to N there are different coverage offered in varying degrees and so selecting the right plan before shopping for quotes is essential.


There are factors determining the policy cost, apart from the benefits received as an addition offered. The Medicare Advantage plans or Medigap plans are sold and issued through private insurance companies such that each insurer is allowed on these policies to set rates. Thus, even if the benefits given are the same for each plan, despite the company or the provider from who you buy the Medicare Advantage Plans, the price must be checked upon. The price you pay may vary widely though the benefits stay the same. Thus, it is crucial to acquire multiple quotes prior to buying a Medicare Advantage policy.


The three key methods to determine the Medicare Advantage premiums include:


  • Community-rated and not age-rated:  The premium calculation is as per the community-rated method of calculation. It is known as no-age rated as the premium charged monthly is similar to other policy holders, and not based on their ages. The plans premiums are community-rated and it means it does not escalate with their age. The plans premium surely rises with the inflation or other relevant factors.
  • Issue-age rated: An insurer pricing the coverage based on Medigap is issue-age or even the entry-age that determines the premium as per the age as you purchase initially the coverage. It is referred to as the plan time it was issued. The premiums are lesser usually with this pricing method on purchasing at an younger age a Medigap. However, the same premium goes up depending on the inflation or other factors.
  • Attained-age rated: The premium calculation is done employing the attained-age such that the insurers will base the premium of Medigap as per your current attained age. it means the premium shows the age attained and will start out with minimal premium for younger age policy holders and will increase as the individual becomes older.


Adding to the pricing premium methods, the factors have effect based on the marital status, geographical location, deductibles, discounts as per living conditions and underwriting medical status.


Staying Young and Healthy

We all love to look younger and healthy for a long time and yet we do not have any option for it. Actually, there is no need to have a portion of it. Some regulations in our life can limit the process of aging and diseases. We will remain fit even in sixth and seventh decades of our life. But the fact is that we will become old, that is for sure. We shall discuss here how we can slow down the process.

First, we need to have a positive mental attitude. Yes, attitude plays an important role in the quest of staying younger. Most of us are either skeptical or become really surprised to learn this truth. It can do wonder if we need to remain young. The great anti-aging secret is that you may get better health that comes along with a positive attitude and the power of positive thinking.

Next comes the role of exercise. Challenging your body through different exercise programs will bring the benefit of remaining disease-free and mental high. Once you have started exercising, you will automatically start to take nutritious foods. This is probably one of the key aspects to staying young and healthy for a long time. The antioxidants from a balanced diet will keep the free radicals at bay, which are the most important culprit for premature aging. Enough antioxidants in your body will continuously create a well maintained immune system that will also keep a safe distance of your body from the diseases.

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Stress is another potent inducer of the aging process. Being stress-free is not possible altogether, but we can do something that will release stress from our mind. Relaxation techniques involve yoga and meditation. Try to be calm and cool in every situation. Smiling even at the very uncomfortable situation will help to reduce the stress. Moreover, smiling will tone up the face and the person will look much younger. The neurotransmitters released during smiling have a beneficial effect on the aging process.

Perhaps one of the most significant aspects of looking younger is a healthy skin. Aging process and the pollution take their toll and the skin becomes wrinkled and lusterless. There are several herbal medicines and commercially available cosmetic products that can revitalize the skin and actually stop the wrinkle formation. But almost always they are much hyped and do worse. You need to buy a product that suits your skin type and has enough customer testimonials to prove their claim.

The motivation for being young and healthy is also equally important. We need to have a couple of minutes for ourselves and analyze the benefits of staying healthy for a long time. Then only we can gather the energy and ambition to achieve them. It is always better to be sanguine about those magnificent things that future has stored for us.