Questions to consider regarding your choice in Medicare coverage:
What if I want the power to choose my own Doctor?
How will deductibles and copayments be paid and by whom?
What if I need Long Term Care?
What coverage do I have on a cruise ship?
What coverage do I have outside of the U.S.?
Like most health insurance plans, Medicare has deductibles and certain co-payment features for benefits and services received. Payments including copays, coinsurance, deductibles, and other allowable medical payments are to be made either by you, a Medicare Advantage Plan, a Medicare Supplement Plan, or a Special Needs Plan. There are many options that can be confusing. We can walk you through your Initial Enrollment, Special Enrollment, and Open Enrollment Periods, and we at Ogle Insurance are here to help when policy and claims questions arise.
When choosing where to acquire Medicare insurance from, consider that we are independent and not beholden or captive to any insurance company. Utilizing our services does not cost a penny more than dealing directly with any carrier. What does make a difference is that we will help you when you have questions about claims, comparisons to other products and carriers, or need answers regarding your policy. We prepare suggestions based on your personal situation, circumstances, and experience.
Medicare Advantage Plans and Prescription Drug Plans
What is a Medicare Advantage Plan? Basically you are agreeing to allow an insurance carrier to handle your medical insurance needs. Your residence determines plans offered and their cost - typically only for Parts A and B. Many Medicare Advantage plans offer additional coverage for Prescription Drugs - Part D.
Medicare Advantage carriers are competing for your business and many offer gimmicks to get you to choose them. There is quite a lot of information to share on these plans including their networks of service providers (hospitals, physicians, etc.).
If you want to better understand Medicare Advantage and/or Medicare Supplements, please let us know – our first meeting is educational and will cost nothing. Our customers are friends because we respect and take care of them. Call us at 972-709-6060 today!
Medicare Supplement (Medigap) Insurance Plans.
Medicare Supplement plans are designed to provide benefits for the "gaps" in Medicare.
These plans have been around since 1965, the advent of Medicare coverage for seniors. In the early days of Medicare Supplements, each carrier designed their own plans for agents to sell. Because of the multitude of offerings of these designed plans, choices became confusing as to what was best, and most importantly what was best for the client.
All Medicare Supplement plans must at least meet minimum standards set by the government. By having standardized plans, seniors are able to choose coverage that best fits their personal needs.
Allow us to help find a plan that meets your pocketbook and Medicare needs!
If you are interested in Medicare coverage, or any healthcare information, please call us @ 972-709-6060 or use the Contact form and we can answer your questions.