Paid Advertisement Ask the Medical Specialist by: Aaron Zolbrod QUESTION: Question from Laurie: Would you please answer the following questions on Medicare Supplemental and Advantage plans: 1. Supplemental Plan N: Besides the monthly premiums (as well as the monthly premiums for original Medicare). would the cost to my husband and me include anything other than the following a. $203 anmual deduactible for each of us, b. All Part B Excess Charges only for health care providers who don't accept Medicare assignment. c. 20% of Foreign Travel Emergency Care up to a $30k lifetime ceiling, and d. Insurance premiums for other types of care excluded from the basic Plan-N, such as dental, vision, drug, ete. 2. Advantage Plans (which include Dental, Vision, Drug coverage): Besides the monthly premiums (as well as the monthly premiums for original Medicare), would the cost to my husband and me include anything other than the following: e Specified annual deductible for the Health and Drug plan for each of us f. Copay as listed for each type of visit or procedure, E. Coinsurance as listed for each type of visit or procedure, and h. Maximum out-of-pocket costs (MOOP) of $7.550 for each of us per year, but this maximum level would be unusual for relatively healthy people. 3. On a transfer from an Advantage plan to a Supplemental plan, after the first 12 months of the Medicare subseriber's participation in any Medicare plan, I understand that medical underwriting is required. Is that also true for a transfer from one Supplemental plan to another Supplemental plan? 4. If the results of medical underwriting are not good (Le, serious health issues), is a patient denied coverage under a specific plan or is the patient accepted in the plan, but at higher premium rates? ANSWER: Now that's a guestion! I'm a buge shw up to a bospital while in one hospitalization, depending on the plan. fan of Plan N'and recommend it to probably 90% of people I meet who of these countries, you'll need to reach in your pocket or purse with your left arm fo pull out a credit card. When traveling outside of the United States, make sure you have 2) Coinsurance is also a cost associated with Advantage Plans. It'sa percentage of the billable That being said, let's get started. la) The Part Bdeductible on Plan N must be met first. Even a physician's enough cash or credit limit for these amount one must pas generally 20%. Services such as ofice visit is subject to it and co pays recelved in a foreign country will is situations. Your claim(s) for services as well as injection and infusion don't go into etbect until the $313 has peed to be filed manually upon your therapy fall into this category and can be extremely expensive. Those who need them usually meet their Maximum Out of Pocket (MOOP) which range from $4,000 to 87,550 for been satisfied. return home. 1d) The majority of those who choose a Supplement also need to billed Excess Charges is overblown gurchase a Part D prescription 1b) The key phrase here is "those who don't accept Medicare Assignment." The fear of being the plan year 3021. and need not be a concern at all. I've drug plan. Most of our bad multiple questions regarding elients pay h) Those who stay just relatively between $7 to $18 per month for a $445 deductible for Tier . 4, and and dental insurance, don't do it! those and the majority of plans have healthy are not likely to meet their this since the last two of columns ran. Again, only doctors who don't MOOP. However your current health should not be the reasoning one uses when deciding between an accept Medicare Assignment can bill 5 drugs. As far as buying a vision Excess Charges. First of all, there isn't a full-service Advantage Plan or a Supplement in my opinion. Cancer does not discriminate. I've learned that life is very fragile in my 13 years in the Medicare insurance business. Remember, after being diagnosed Plans for sale on the open market roff for the ne will pever pay user medical hospital in the country that because over any three to five year period. One will always spend imore in premiums than get back in paid doesn't accept Medicare. Secondly the only dociors who don't accept Medicare egenerally the rare PCP claims. I've said this many times. We with a number of conditions, one are who doesn't take any insurance at all buy insurance to protect our assets. You're not going bnkrupt because and those who treat the ultra-rich: Wall Street CEO's, movte stars, Arab you didn't have a detal plan to cover as common as AFib is now Oil Emirates, etc. The maximum allowable Excess Charge is only 15% so, even after adding that on these doctors would be working for pennies on the dollar compared to may never be able to go back to Supplement again. Something 30% of a $1.000 root canal, or vision benefits that pay S150 towards a pair an automatic denial for every Supplement company! Isa of glasses evéry two years. I could make a small fortune selling dental and vision, but l don't. We refuse to 3) Yes, It is Even when moving from one plan to another within the same sell products that are not a benefit or compang underwriting will occur. what their private elients pas In 13 we have insured thousands of value to our elients for the sake of a There is a company that will years, ple on Plan N. Not once have we dient who was billed Excess commission. Charges. It need not be considered when making a decision on what plan to choose or moving from F C, or G to N. 2e) As far as Advantage Plans, there are none in Western PA as of now that have a deductible for prescriptions. There is one plan that's been quite popalar over the years that his a medical deductible, but it's the exception, not the norm. Iestimate 95% our Advantage Plan accept those who can't pass underwriting for their "preferred" rate. However, the costs are extremely high, arcund $00/month, making it very unappealing for most. le) Foreign Travel benefits are included in all Supplement pla including N. Beadvised when traveling, you won't simply hand Please keep the great questions coming! If you have oie of a more personal náture or would like to make an appointment for a no cost consuliation, please give us a call, visit our website, or feel free to email me personally We are once again seeing people for in person appointments if that is your preference. For those who are still not comfortable with that, we will continue to offer phone and 2oom meetings over your Medicare and Supelement HMO and PPO clients do not have any deductibles. cards to a provider like you do at home. If you're in a less developed country such as Mexico, Beline, Costa Rica, etc., be prepared to pay up front for services before 21) Advantage Plans have co pays or coinsurance for virtually every medical service çne could jossibly have except for those considered they're provided. I tell this joke with preventative," as well as PCP visits, and possibly blood work traveling abroad: if your right arm select plans. Co-pays can be as low is dangling out of socket when you as $ and as high as $1.800 for a clients who ask about care when 724-603-3403 The Health Insurance Store.e Connellsville 412-349-8818 Forest Hills Email your question to: aaron@getyourbestplan.com 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 Laurie: Would you please answer the following questions on Medicare Supplemental and Advantage plans: 1. Supplemental Plan N: Besides the monthly premiums (as well as the monthly premiums for original Medicare). would the cost to my husband and me include anything other than the following a. $203 anmual deduactible for each of us, b. All Part B Excess Charges only for health care providers who don't accept Medicare assignment. c. 20% of Foreign Travel Emergency Care up to a $30k lifetime ceiling, and d. Insurance premiums for other types of care excluded from the basic Plan-N, such as dental, vision, drug, ete. 2. Advantage Plans (which include Dental, Vision, Drug coverage): Besides the monthly premiums (as well as the monthly premiums for original Medicare), would the cost to my husband and me include anything other than the following: e Specified annual deductible for the Health and Drug plan for each of us f. Copay as listed for each type of visit or procedure, E. Coinsurance as listed for each type of visit or procedure, and h. Maximum out-of-pocket costs (MOOP) of $7.550 for each of us per year, but this maximum level would be unusual for relatively healthy people. 3. On a transfer from an Advantage plan to a Supplemental plan, after the first 12 months of the Medicare subseriber's participation in any Medicare plan, I understand that medical underwriting is required. Is that also true for a transfer from one Supplemental plan to another Supplemental plan? 4. If the results of medical underwriting are not good (Le, serious health issues), is a patient denied coverage under a specific plan or is the patient accepted in the plan, but at higher premium rates? ANSWER: Now that's a guestion! I'm a buge shw up to a bospital while in one hospitalization, depending on the plan. fan of Plan N'and recommend it to probably 90% of people I meet who of these countries, you'll need to reach in your pocket or purse with your left arm fo pull out a credit card. When traveling outside of the United States, make sure you have 2) Coinsurance is also a cost associated with Advantage Plans. It'sa percentage of the billable That being said, let's get started. la) The Part Bdeductible on Plan N must be met first. Even a physician's enough cash or credit limit for these amount one must pas generally 20%. Services such as ofice visit is subject to it and co pays recelved in a foreign country will is situations. Your claim(s) for services as well as injection and infusion don't go into etbect until the $313 has peed to be filed manually upon your therapy fall into this category and can be extremely expensive. Those who need them usually meet their Maximum Out of Pocket (MOOP) which range from $4,000 to 87,550 for been satisfied. return home. 1d) The majority of those who choose a Supplement also need to billed Excess Charges is overblown gurchase a Part D prescription 1b) The key phrase here is "those who don't accept Medicare Assignment." The fear of being the plan year 3021. and need not be a concern at all. I've drug plan. Most of our bad multiple questions regarding elients pay h) Those who stay just relatively between $7 to $18 per month for a $445 deductible for Tier . 4, and and dental insurance, don't do it! those and the majority of plans have healthy are not likely to meet their this since the last two of columns ran. Again, only doctors who don't MOOP. However your current health should not be the reasoning one uses when deciding between an accept Medicare Assignment can bill 5 drugs. As far as buying a vision Excess Charges. First of all, there isn't a full-service Advantage Plan or a Supplement in my opinion. Cancer does not discriminate. I've learned that life is very fragile in my 13 years in the Medicare insurance business. Remember, after being diagnosed Plans for sale on the open market roff for the ne will pever pay user medical hospital in the country that because over any three to five year period. One will always spend imore in premiums than get back in paid doesn't accept Medicare. Secondly the only dociors who don't accept Medicare egenerally the rare PCP claims. I've said this many times. We with a number of conditions, one are who doesn't take any insurance at all buy insurance to protect our assets. You're not going bnkrupt because and those who treat the ultra-rich: Wall Street CEO's, movte stars, Arab you didn't have a detal plan to cover as common as AFib is now Oil Emirates, etc. The maximum allowable Excess Charge is only 15% so, even after adding that on these doctors would be working for pennies on the dollar compared to may never be able to go back to Supplement again. Something 30% of a $1.000 root canal, or vision benefits that pay S150 towards a pair an automatic denial for every Supplement company! Isa of glasses evéry two years. I could make a small fortune selling dental and vision, but l don't. We refuse to 3) Yes, It is Even when moving from one plan to another within the same sell products that are not a benefit or compang underwriting will occur. what their private elients pas In 13 we have insured thousands of value to our elients for the sake of a There is a company that will years, ple on Plan N. Not once have we dient who was billed Excess commission. Charges. It need not be considered when making a decision on what plan to choose or moving from F C, or G to N. 2e) As far as Advantage Plans, there are none in Western PA as of now that have a deductible for prescriptions. There is one plan that's been quite popalar over the years that his a medical deductible, but it's the exception, not the norm. Iestimate 95% our Advantage Plan accept those who can't pass underwriting for their "preferred" rate. However, the costs are extremely high, arcund $00/month, making it very unappealing for most. le) Foreign Travel benefits are included in all Supplement pla including N. Beadvised when traveling, you won't simply hand Please keep the great questions coming! If you have oie of a more personal náture or would like to make an appointment for a no cost consuliation, please give us a call, visit our website, or feel free to email me personally We are once again seeing people for in person appointments if that is your preference. For those who are still not comfortable with that, we will continue to offer phone and 2oom meetings over your Medicare and Supelement HMO and PPO clients do not have any deductibles. cards to a provider like you do at home. If you're in a less developed country such as Mexico, Beline, Costa Rica, etc., be prepared to pay up front for services before 21) Advantage Plans have co pays or coinsurance for virtually every medical service çne could jossibly have except for those considered they're provided. I tell this joke with preventative," as well as PCP visits, and possibly blood work traveling abroad: if your right arm select plans. Co-pays can be as low is dangling out of socket when you as $ and as high as $1.800 for a clients who ask about care when 724-603-3403 The Health Insurance Store.e Connellsville 412-349-8818 Forest Hills Email your question to: aaron@getyourbestplan.com www.getyourbestplan.com No-cost, unbiased Medicare plan review and consultation with local, licensed agents