We Will Help You Understand More Of Medicare With This Guidelines

We all know

is government-issued health insurance that provides a variety of plans and coverage. With this, you can plan your retirement when you are aged 65, under the age of 65 receiving Social Security Disability Insurance (SSDI), and when you are diagnosed with a pre-existing condition like End-Stage Renal Disease.

Medicare comes with a lot of choices you can choose. They have the Original Medicare that includes hospital insurance and medical insurance. And, Medicare Advantage Plan has a huge variety of coverage.

From health insurance to supplemental insurance that will support your healthcare needs as a member. With Medicare Health Insurance, you can plan your retirement and even provide support for your future needs.

What is the difference between Medicare and Medicaid?

This is how Medicare becomes confusing for many, because of a lot of terms, coverages, premiums, policies, and plans. When we say Medicare it is an insurance program that cuts into three parts, Medicare Part A which covers the hospital insurance. Medicare Part B is for medical insurance like medical supplies, outpatient care, and doctors’ services. And Medicare Part D for prescription drug coverage.

While Medicaid is an assistance program, especially designed for low-income people of every age. The federal and state joined together to provide health care coverage for people with limited income resources. They help citizens by providing

at lower costs.

These two, Medicare and Medicaid are health insurance programs run by the government to help U.S. citizens in providing their health coverage and insurance program. As they differ in covered services and cost-sharing.

If you want to see if you are eligible for the state’s Medicaid, ask our agent by contacting our Medicare phone number

208-409-3382.

Everything you need to know about Original Medicare or Traditional Medicare

• Medicare Part A

  generally covers the inpatient hospital stays, nursing care, hospice care, and sometimes limited home health care services. Some people get Part A for free and some have to pay a premium to get this coverage.

There are a lot of ways to get qualified for premium-free Part A. You can get Part A without paying monthly premiums when you and your spouse worked and paid Medicare taxes for at least 10 years. To get to know more about your eligibility, contact our agent for more information regarding your status.

• Medicare Part B

  for outpatient’s Medicare services, check-ups, services from doctors and other healthcare needs, and medical supplies. Normally, to get Part B a person must be eligible for Part A. Once an individual is eligible for Part A they are also qualified to get Part B, whether that person is premium-free or paying their coverage.

Medicare Part D

standalone insurance helps to cover the

costs of prescription drugs. It is usually offered by private

, you can enroll it with Original Medicare. It’s a type of insurance for drug

benefits that you can use when you need to buy a prescription. You can be enrolled in Original Medicare without Part D, but you have to pay the full amount of drug prescription when you need it. Since you do not have the prescription coverage.

Even though Part d is a plan for drug coverage there are some medications that this part doesn’t cover or products that are not approved by FDA. And these medications are generally:

• Non-prescription drugs.

• Medication to control weight or treat for anorexia.

• Fertility medications.

• Cosmetics prescriptions or hair growth treatment.

• Over-the-counter prescription for cough or colds.

• Drug prescription for sexual dysfunction.

• Vitamins and mineral products.

But some of this may have

enhanced alternative coverage

means they may have covered some of these medications. Additionally, you can also get coverage of Medicare Part D if you enrolled in the

, which sometimes offers part of drug coverage.

Understanding Part D Coverage Gap or Donut Hole Costs

Most drug coverages have a coverage gap or also called the

donut hole,

coverage gap begins when a member already spent a certain amount for covered drugs of your drug plan. Once this happens, you’ve reached your coverage gap which means you are responsible for a percentage of the costs of your drugs. You get a donut hole once you reach the limit of your drug plan this may vary to the types of drugs you bought, the name of the products, and the cost of your drug medications.

This article will help you understand more about Medicare. But, if you want more answers, and to get to know more about Medicare products and their components visit our website and get your account set up. This will help you track your membership through Medicare logins. Or call our Medicare phone number

to get your quotes today or information about Medicare Enrollment periods.

We can weigh out all of the available options for your budget and lifestyle. Don’t let Medicare give you headaches, let us help you with your healthcare needs.  Let’s navigate Medicare Health Insurance together.

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Why Choose A Medicare Advantage Plan

Boise Health & Life Insurance Agency

9727 W Cory Ln

Boise, ID 83704

208-409-3382

Some common questions that will give light to your understanding about what plan you should choose. 

How does the Medicare Advantage Plan differ from Original Medicare?

Advantage plan provides coverage of Part A & B, and some of Part D. The biggest difference between the two is MAPD provides supplemental benefits such as hearing and vision care, dental coverage, and gym memberships, which are normally not offered by Original Medicare.

Non-primary health-related also covered by Medicare like:

“If a member is an asthmatic, a Medicare plan could provide home care cleaners and carpet shampooing to reduce irritants that can trigger asthma.”

These are some of the additional benefits of the Medicare Advantage plan. If you want to know more about the supplemental benefits of this plan, visit our website and contact our Insurance Agent, we can discuss the Medicare Advantage plan with you.

Is anyone allowed to enroll in the Medicare Advantage Plan?

Not exactly. To be able to apply for Medicare Advantage, a person must meet a certain condition to be eligible for the plan. Here are some requirements you must meet if you want to enroll on Medicare Advantage: You must be enrolled on both Medicare Part A and Part B. Also, an enrollee must live within the service area.

Can I still join for A Medicare Advantage plan even if I’m diagnosed with a pre-existing condition?

Yes! As of 2021, the Medicare Advantage plan will be available to everyone who has pre-existing conditions like End-Stage Renal Diseases. This plan is called Medicare Advantage Special Needs Plans or SNPs is specially designed for members with special needs or conditions

Can I use my Medicare Advantage Plan when I travel anywhere from the country?

Yes! Even though MAPD has a specific service area, you can travel with your plan. However, depending on the plan you choose, you may pay higher for out-of-network healthcare costs.

If I already enrolled in the Medicare Supplements plan.

Can I still have a Medicare Advantage plan? It is between a yes and a no. Yes, you can still apply for a Medicare Advantage plan even if you have a Medicare Supplements plan. And no, because you cannot use both plans together.  As for the Centers for Medicare and Medicaid Services (CMS), you cannot use both plans at the same time to give you more benefits.

Will I lose my Original Medicare plan if I enroll in the Medicare Advantage plan?

No! In fact, it is the first requirement when you want to enroll in Medicare Advantage, there will be some administrative process with your private insurance carriers to implement your Medicare benefits. Besides, even if you disenroll your Medicare Advantage you can return to your original plan, so no, you cannot lose your Original plan when you enroll on Medicare Advantage.

How can I determine if it is the right plan for me?

If you’re still on the verge of thinking about whether Original Medicare and Medicare Advantage you should apply. Remember that whenever you choose it should meet your needs, and by that means ask yourself about the healthcare providers you want, the prescription you need, and hospitals you visit. These will help you determine which plan will suit you.  Or better yet visit our website for more information regarding your plans.

Which Medicare Insurance Plan Is Best For You?

If these things still confused you. You can still directly contact our

and Medicare Consultant for more questions and inquiries. Medicare Advantage plan is the most economic and convenient plan to receive your healthcare needs like Part A which is hospital insurance and Part B for medical insurance. It also provides a structural plan specifically for your necessities. Call our office today to get more plans perfectly fit for your needs.

Medicare Application Process Confusing You | We Can Help

Hello! Chris Antrim with Boise Health & Life Insurance Agency. 

So today we’re gonna be talking a little bit about

as usual.

We always talk about Medicare and health and life insurance here on our YouTube channel and website. 

But today we are going to talk about your Medicare application. How to find great plans and where can you apply for your Medicare policy. 

One of the best resources that you actually have at your disposal is the

website, so there’s just tons of good information here.

You can shop for plans, and you could get good information, but there’s a lot of information here as well. So, you can wind up being very confused about what to do and which plan should you apply for coverage. 

Okay, so it could be confusing and especially, you know, and you can actually apply right online here at the website. 

The website is expansive and can be confusing where to even start. Do not worry though. Just call our office or send us a message. We are here to help. 

You could come in here and literally, you can log in. You can continue without logging in. You can answer a few questions, and it will walk you through the plans in your county that are available and give you some preliminary information on now, which is great.

What Is The Medicare Application Process

And you can actually apply right online with Medicare.gov. 

But, we are

with Medicare here in my office. The benefit of working with a broker is we can really just help walk you through the different plants and what might be a little bit better for you.

We deal with a number of seniors on Medicare, so we work with all the major national companies. Like UnitedHealthcare, Humana, Aetna, Blue Cross.

We really do have you pretty much covered when it comes to the plans. Best of all though we take all the confusion out that for you. 

I have a free report to send you, it’s the five steps to taking to making Medicare a success. It’s in a pdf format. I can email that over to you if you’d like.

Just let me know, you can call the office or send us a note to help you out.

Annual enrollment for 2021 is almost over. Today’s the fourth of December 2020 but we work with our clients all year long. 

So if you’re turning 65 here in a few months and you need some help, let us know we can start the process now to make sure we get you set up on the month of your birthday.

Even if you have a plan and would like a review or have questions just give me a call and we can definitely help you out. Give you a second opinion and sometimes we can even make changes outside of Annual Enrollment. If the situation allows the change. 

Please let us review your plan and we can see if it’s the best plan for you and give you some good advice.

We Can Help You With Medicare All Year Long

Doesn’t matter what time of the year.

Thank you.

Have a good day and please reach out to us with any questions.

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