Paid Advertisement Ask the Medical Specialist by: Aaron Zolbrod QUESTION: Question from Andy: I'm 71 years old and my wife 69. We have Medicare and Supple- ment Plan F that we've been extremely happy with. I've read in your articles that maybe we shouldn't have chosen E They do have expensive premiums that rise yearly. Are Plans G and Plan N significantly less expensive than Plan F? Based on one of your columns, I don't believe we can switch to another supplemental plan now anyway We want portable policies at this point our lives, so we don't wish to get a Medicare Advantage plan with the accompa- nying network restrictions. Are we able to switch to a less expensive Supplemental plan like Gor N without a physical, and how much of a savings would there be? I'm afraid that my ongoing medical issues may make changing cost prohibitive. ANSWER: I'm going to start by address hospital in the country who ing the last sentence of Andy's accepts Medicare and'agrees to not subject to the co-pay, Nor therapy or allergy injections are inquiry, Being "afraid" costs seniors thousands upon thou- sands of dollars every year. Fear way Supplements are portable without facts or details, or sim- is if you decide to move out ply fear of change itself, may be of state. In that event, you can the biggest mistake people on take you as a patient will accept are tests or other procedures. I your Supplement. The other estimate that 95% of our new clients are best financially served with Plan N. keep your Supplement without lan N would cost a combined expensive company and save $1,714/year, taking into account the cost of both deductibles and lowest Supplement prices in the assuming they would visit the country. In parts of Florida, for doctor 10 times each, which is Medicare can make. Insurance any increase in premium. This S1S0/month with the least companies profit and often take is important because Western advantage of it. Lack of full understanding of Medicare's intricacies and regulations Pennsylvania has some of the can also result in overpayment instance, they cost almost twice probably more than the average of premiums. As I'm going to address shortly and as I've as much. person. Let's answer Andy's questions. To revisit the fear and lack of Plans E G, and Nare minimal, while the savings substantial. An example of the confusion for seniors is Andy's misun- derstanding of when one can explained in prior columns, the Supplements can deny your ap- understanding of how plans differences in benefits between plication for certain pre-existing work, I had a client I spoke with or current health conditions, but do not require a physical. You're required to answer a recently who thought Plan N would expose her to thousands of dollars in bills compared companies also review your change Supplement plans. Un- Medical Information Bureau to husband was a few years ago. series of medical questions and to F in the event she would be diagnosed with Cancer as her like Advantage Plans that have determine eligibility. Don't as- He had multiple CT's and MRI's, plements can be changed at any We work with several compa- need to wait until the Annual Election Period in October to do so. Many others are unaware won't qualify, give us a call. specific enrollment periods, Sup- sume you will be denied either. surgery, chemo, and radiation. fime during the year. You don't nles and they all have different it." she told me, My response "He never got a bill for any of underwriting criteria. If you've was, "Nor would he have with been denied before or told you Plan Gor N once the deductible had been met." is G. Plan N is N is N regardless much lower than F not as much his wife's savings today I predict of the company you buy it from. at age 65, but surprisingly less In other words, what you're covered for is identical and ac- cess to doctors and hospitals is the difference in premiums expensive as rates increase over between FandNin 10 years for married couples in their early 80's will be close to $1,000. time. Let's take Andy and his wife for example. The average the same regardless of the name combined preiniums for a male Fis going to increase at much and logo on youur card. The only and female ages 71 and 69, who, higher rate year to year as more difference between Supplement bought plan F when they turned healithy senfors escape to less ex- 65, is around $400/month or companies selling the same letter plan is cost. Supplements SI800/year. Plan G, with the are highly federally regulated pensive plans. In addition, those turning 65 for the first time can and as I discussed last week, the kaistexpensiv company in the no longer choose E Without the area, would cost $265/month, or $3,168 annually The only difference in benefits between Fand G is Andy and his wife would each be responsible for insurance companies have no say in what's covered or paid for. That's up to Medicare. If Medicare pays, the insurance company must pay their share, the Medicare Part B deduct- no questions asked! The name of the company means absolute- ly nothing and need not go into they wouldn't pay a dime for the decision making process. The company the majority of our clients have their Supple- ments is not one most people would recognize, but we've been The only difference between extremely happy doing business Gand Nare two small co-pays with for 13 years. influx of younger and healthier people, what will be left are pools of those who are going to be high utilizers of medical services, forcing insurance companies to pay larger claims and leaving them no choice but to hike rates significantly. I'm adamant that anyone who's services. Considering what they currently on Plans For C, the would pay in deductibles, their twin to E move to another plan annual savings Would be $1,226. immediately if possible. ible of $203. Once that's met, any other Medicare covered those on N pay $30 at a physi- cian ofice visit, be that a PCP or a Specialist, and 850 at the Emergency Room. And keep in mind services like physical If you would like a quote for Plans Gand N, you can call one of our office locations or make a request from our website, You're also welcome to make an appointment for a no cost consultation. Supplements are portable in two ways. One, there are no networks. Any doctor or The Health Insurance Store.a 724-603-3403 Connellsville 412-349-8818 Email your question to: aaron@getyourbestplan.com Forest Hills www.getyourbestplan.com No-cost, unbiased Medicare plan review and consultation with local, licensed agents Paid Advertisement Ask the Medical Specialist by: Aaron Zolbrod QUESTION: Question from Andy: I'm 71 years old and my wife 69. We have Medicare and Supple- ment Plan F that we've been extremely happy with. I've read in your articles that maybe we shouldn't have chosen E They do have expensive premiums that rise yearly. Are Plans G and Plan N significantly less expensive than Plan F? Based on one of your columns, I don't believe we can switch to another supplemental plan now anyway We want portable policies at this point our lives, so we don't wish to get a Medicare Advantage plan with the accompa- nying network restrictions. Are we able to switch to a less expensive Supplemental plan like Gor N without a physical, and how much of a savings would there be? I'm afraid that my ongoing medical issues may make changing cost prohibitive. ANSWER: I'm going to start by address hospital in the country who ing the last sentence of Andy's accepts Medicare and'agrees to not subject to the co-pay, Nor therapy or allergy injections are inquiry, Being "afraid" costs seniors thousands upon thou- sands of dollars every year. Fear way Supplements are portable without facts or details, or sim- is if you decide to move out ply fear of change itself, may be of state. In that event, you can the biggest mistake people on take you as a patient will accept are tests or other procedures. I your Supplement. The other estimate that 95% of our new clients are best financially served with Plan N. keep your Supplement without lan N would cost a combined expensive company and save $1,714/year, taking into account the cost of both deductibles and lowest Supplement prices in the assuming they would visit the country. In parts of Florida, for doctor 10 times each, which is Medicare can make. Insurance any increase in premium. This S1S0/month with the least companies profit and often take is important because Western advantage of it. Lack of full understanding of Medicare's intricacies and regulations Pennsylvania has some of the can also result in overpayment instance, they cost almost twice probably more than the average of premiums. As I'm going to address shortly and as I've as much. person. Let's answer Andy's questions. To revisit the fear and lack of Plans E G, and Nare minimal, while the savings substantial. An example of the confusion for seniors is Andy's misun- derstanding of when one can explained in prior columns, the Supplements can deny your ap- understanding of how plans differences in benefits between plication for certain pre-existing work, I had a client I spoke with or current health conditions, but do not require a physical. You're required to answer a recently who thought Plan N would expose her to thousands of dollars in bills compared companies also review your change Supplement plans. Un- Medical Information Bureau to husband was a few years ago. series of medical questions and to F in the event she would be diagnosed with Cancer as her like Advantage Plans that have determine eligibility. Don't as- He had multiple CT's and MRI's, plements can be changed at any We work with several compa- need to wait until the Annual Election Period in October to do so. Many others are unaware won't qualify, give us a call. specific enrollment periods, Sup- sume you will be denied either. surgery, chemo, and radiation. fime during the year. You don't nles and they all have different it." she told me, My response "He never got a bill for any of underwriting criteria. If you've was, "Nor would he have with been denied before or told you Plan Gor N once the deductible had been met." is G. Plan N is N is N regardless much lower than F not as much his wife's savings today I predict of the company you buy it from. at age 65, but surprisingly less In other words, what you're covered for is identical and ac- cess to doctors and hospitals is the difference in premiums expensive as rates increase over between FandNin 10 years for married couples in their early 80's will be close to $1,000. time. Let's take Andy and his wife for example. The average the same regardless of the name combined preiniums for a male Fis going to increase at much and logo on youur card. The only and female ages 71 and 69, who, higher rate year to year as more difference between Supplement bought plan F when they turned healithy senfors escape to less ex- 65, is around $400/month or companies selling the same letter plan is cost. Supplements SI800/year. Plan G, with the are highly federally regulated pensive plans. In addition, those turning 65 for the first time can and as I discussed last week, the kaistexpensiv company in the no longer choose E Without the area, would cost $265/month, or $3,168 annually The only difference in benefits between Fand G is Andy and his wife would each be responsible for insurance companies have no say in what's covered or paid for. That's up to Medicare. If Medicare pays, the insurance company must pay their share, the Medicare Part B deduct- no questions asked! The name of the company means absolute- ly nothing and need not go into they wouldn't pay a dime for the decision making process. The company the majority of our clients have their Supple- ments is not one most people would recognize, but we've been The only difference between extremely happy doing business Gand Nare two small co-pays with for 13 years. influx of younger and healthier people, what will be left are pools of those who are going to be high utilizers of medical services, forcing insurance companies to pay larger claims and leaving them no choice but to hike rates significantly. I'm adamant that anyone who's services. Considering what they currently on Plans For C, the would pay in deductibles, their twin to E move to another plan annual savings Would be $1,226. immediately if possible. ible of $203. Once that's met, any other Medicare covered those on N pay $30 at a physi- cian ofice visit, be that a PCP or a Specialist, and 850 at the Emergency Room. And keep in mind services like physical If you would like a quote for Plans Gand N, you can call one of our office locations or make a request from our website, You're also welcome to make an appointment for a no cost consultation. Supplements are portable in two ways. One, there are no networks. Any doctor or The Health Insurance Store.a 724-603-3403 Connellsville 412-349-8818 Email your question to: aaron@getyourbestplan.com Forest Hills www.getyourbestplan.com No-cost, unbiased Medicare plan review and consultation with local, licensed agents