Your Medicare Benefits

Imagine being 65+ years old, without any worry that you have the Best Medicare Plan for you... Think about it: Sounds amazing, doesn’t it? Here are the top 10 Tips from a 30 year industry veteran Firstly, https://www.medicare.gov/ is a very helpful took in this regard where you can compare and analyze your but what you have to keep in mind is effective and feasible your plan will be. In case you might be asking yourself, "Will this be the particularly Best Medicare Plan for me now and later down the road?” It’s easier if we understand what are some of the ramifications we need to think of when selecting YOUR initial Medicare coverage. Now, Medicare Advantage enrollment period is usually in the fall. Medicare plans don’t change benefits once you have made the decision. Sometimes when you do want to change them, you might not be able to make a change if your health deteriorates. But wait, let me share a checklist that I developed which you can print and use to record the answers yourself when you're interviewing your broker about Medicare. You should ask these questions to him or her, and if they don't know the answers to those questions then you really should find somebody that does, because although they are basic, they are critically important questions for you. Pay attention to these critical questions - you should get each one answered. If you don't, you could end up selecting the wrong Medicare plan. You've got to get this right the first time - and I'm going to give you some tips on making sure that you do just that. By the way, this is when you're comparing Medicare Advantage Program versus a Medigap program or Medicare Supplement. Is my doctor or hospital in the network? You have got to know this! It’s changing rapidly. Some of these networks are shrinking. You could go to the doctor next door, but you can’t go to the doctor across the street, or you might want to go to a different hospital so is that hospital in the network? Fundamental question! And a good Medicare agent should definitely know the answer to this question. What if I need care at a different facility? Let's say, I go to the local hospital, but when I get there, they tell me "we can't treat you here." They say "We need to send you to a specialist, e.g. a cancer hospital or a hospital for heart procedures." Will this new facility be in network? Again, you need to know those kinds of questions. Do I need a referral to see a specialist? The number of people who think that their primary care can do it all is incredible. But what happens if they have a cardiac problem and need to see a cardiologist. Some of these plans require you to get a referral to see a cardiologist, and it may not be the cardiologist of your choice. Which Medicare Advantage program and what Medicare Supplement programs do you offer? You see, if you call some of the folks that you see on TV all the time, they are only going to offer that particular product or that one insurance company. You need to get about five different carrier quotes from different companies. Some of the companies you may not ever hear of, some hopefully will be on the list, which are name brand companies or national companies that you've heard of. If you cannot receive quotes for five companies, then three for sure. And be sure to ask these questions on all three programs. Is there a premium charge, and if so, is dental covered? What about vision? Don’t just ask if it is covered. You want to know what is covered in dental or what is covered in vision. Many companies say they cover dental and vision, whereas all they cover is an eye exam for $10, or they might give you dental cleaning once a year only. They don’t give you any glasses, lenses, or contacts. Make sure you know what exactly will be covered. Do you offer Silver Sneakers? So, what is Silver Sneakers? It is a nationwide program specifically for senior citize...

Yes your Medicare Doctor can make house calls again, thanks to Telemedicine or also know as Telehealth. Remember the good old days with the doctor made house calls? Those days are coming back again. Thanks unfortunately to the covid virus. What is the most popular and often asked questions as a relates to healthcare today for not only the senior population but also the under a 65 population is “ is Telemedicine available “ in my plan? Well, I'm happy to report that not only have insurance companies seen the huge benefit and lower costs of a Telemedicine visit but almost all insurance companies, especially those that work in the Medicare field, are implementing telemedicine in there plans right now. By the way Telemedicine is also know as Telehealth. Some companies have implemented it already and most Medicare Insurance plans will have the benefit available to you when you have the opportunity to compare your Medicare Insurance plan for the forth coming year. A brief disclaimer however, this is important, because not all Medicare Insurance Plans will implement this important and significant benefit for you. Of course, if you're on a Medicare Advantage program you know that you have the open enrollment period from October 15th December 7th. That is your time to compare plans for the forthcoming year. I strongly recommend that you compare plans and benefits as well as out of pocket cost access the doctors and hospitals and especially your drug benefits The changes that are happening in the Medicare world almost make my head spin. Changes are being implemented all the time and frankly unless you devote a good bit of your reading time you may miss some important benefits. A Telehealth true story Here's a true story. I recently needed to see a doctor however due to the pandemic that we all suffer through, I was unable to see a doctor in a reasonable period time. I decided to take to take advantage of my Telemedicine benefit and although I was completely skeptical of the outcome of the video visit, I must admit I was totally amazed so well. Within minutes of making my request for a video visit a retired emergency room physician in the Boston area that had over 40 years experience in the ER was live on my iPhone. Within minutes my call was over, within seconds I had a summary of my visit in my email. In six minutes I received a text message from my pharmacy telling me that my prescription would be ready soon. All of this took place within a 15 minute time frame without ever having to leave my home, drive to the doctors office, park, put on a mask, and wait to see the doctor. Telemedicine he's here to stay. Medicare is also rapidly adopting this for many of their plans as well. I have seen doctors recently, due to an upcoming surgery, I have even been asked by the physicians if they would like my next visit to be a Telemedicine visit. This is not only the future of the office visit, this is reality today. Even if your doctor is the only position in the practice, I have found but they all have access to do virtual visits with you in the comfort of your home. I think we all can agree, that a Telemedicine visit with your doctor is a tremendous to us all. As I mentioned earlier in this article, people can change their Medicare Advantage program during the open enrollment that we all know happens between October and December. What if you have a Medicare Supplement Insurance plan? Well, great news, you could look to change plans any day or month of the year. In other words, you're open enrollment period is year round. I strongly encourage you to have three things working for you at this stage of your life. Have an attorney that you can call year round. Have a good accountant, preferably a CPA, to help with your taxes and other financial issues that you can talk to year round. Have a dedicated, experienced Medicare insurance agent to help you with your Medicare your r...

Here are 3 awesome senior savings top tips for seniors that I myself recently found out, thanks to my children. Haven’t we all thought we are pretty savvy when it came to the Internet and finding good quality discounts that I could use for not only my family but also for my clients. I even used these awesome senior savings programs myself and unfortunately found these out such a late stage in my life because like you I am officially a senior citizen and soon will be on Medicare myself. Boy, do I wish I had found these years ago as they would’ve saved me and my family and my clients any huge amount of money. Every time I talk to or meet with a client I share these savings programs, and I can tell you that they are very happy with the results as well. So especially in these times, the less time I or anyone of my family spends in a grocery store or pharmacy warehouse the better. Are used to run all over town to try to get our groceries and our medications. That is not the way that we shop anymore. We all use Amazon or something similar to that, so why not do the same thing for the staples of our life like groceries and medications. Awesome Senior Savings tip #1: The first awesome senior savings program I want to share with you is one that I have used now dozens of times and can tell you that I never had a problem with any of the items that I have attempted to purchase, the quality of the items or the service. As I am sharing this blog post and podcast with you today I am even out of town at my family’s residence and just used the service again yesterday. The weather is over 100° and the last thing I wanna do is to get into a car that has been baking in the sun and drive to the grocery store to pick up four items that we needed for dinner. I went online at exactly 2 PM the service told me that the groceries will be delivered within a two hour window from Costco and sure enough they were. The service that I use is called Instacart. There are many services and competitors to Instacart summer national some regional and some local. If possible of course we always want to use the local services to support our local businesses. I signed up for Instacart about three months ago and have probably used their service for groceries as well as medications at least a dozen or more times. Yes, they will not only shop and deliver your groceries but in some locations they will even go to theTo the pharmacy and pick up and deliver your medications as well. How great is that? With Instacart I know that you could either pay an annual fee of $100 or in my case we pay $9.99 per month to use the service. There’s no commitment. I can cancel at any time. So far, at this point I have no intention of canceling it as it as it has saved me hours away from the important things like family and friends but also a great deal of money because I am not walking out of the store with items that I went into the store to buy. Here is a link for you to view instant cart yourself and you can even sign up on this link. Awesome Senior Savings tip #2: The second great savings program that I have used and recommended a number of times since they began doing business is for all of us to shop for our prescription medications online. I think we all know that different pharmacies have different prices for the exact same medications. The program that I am referring to is called good RX.com. They are one of the pioneers and having the cost of medications at the different pharmacies based on ZIP Code searches. There are others do use however the one I like the best is goodrx.com. Here’s a link to their website. I was a little upset when I found out that after going to a national pharmacy chain for the last 15 years that when I called and asked for the cost of my medications at a warehouse store such as Costco, I saved over 60% are the cost of my medications by switching from a national chain to a warehouse club by Costco. On a sidenote,

Whether you're new to Medicare for the first time or currently looking at open enrollment or thinking about switching, here are some important points for you to understand. Understanding the Key Differences Between Medicare Advantage Plans and Medicare Supplement Plans There are several ways that you can receive your Medicare coverage, or add onto that coverage. Medicare Supplement Plans and Medicare Advantage insurance are options that may sound similar but are quite different. One main thing they do have in common: private insurance companies such as United Healthcare, Blue Cross Blue Shield, Humana, AETNA and most others offer both. Medicare Supplement plans protects people who buy traditional Medicare from the additional costs they might pay. The supplemental plans charge an additional premium to what a person may already pay for Medicare Parts A (many people get this free), B, and D. Medicare Supplements Plans have various plans lettered A, B, C, D, F, G, K, L, M, and N. Medicare standardizes what is offered by the plans. The cost for them can vary, however, so it's worth shopping around. On the other hand, a Medicare Advantage Health Plan (Medicare Part C) may provide more help at a lower cost. Rather than paying for Parts A, B, and D, a person would enroll through a private insurance company. In many cases, it covers everything provided by Parts A, B, and D. Plus, it may offer additional services. Generally, the beneficiary pays the Medicare Advantage premium along the Part B premium. You could compare Medicare Advantage Plans to private health insurance plans. Typically, most plans offer services such as office visits, lab work, and surgery. Some services may be covered after a small co-pay. Depending on your location, plans could offer HMO or PPO network plans with a yearly limit on total out-of-pocket expenses. Generally what I have found is that people prefer to go onto a Medicare plan when they turn 65. The benefits are unbeatable when comparing them to a traditional insurance plan. You are not allowed to have both a Medicare Advantage Plan and a Medicare Supplement Plan. Yes, I have actually seen where someone has both types of plans. This is so confusing for so many seniors today. Three things to consider before choosing: Cost - Medicare Supplement plans may have a higher premium but could have less out-of-pocket expenses than some Medicare Advantage plan. Choice- Medicare Advantage Plans may limit the doctors and facilities you visit. Medicare Supplement Plans do not. Lifestyle- Medicare Advantage Plans may not be offered in your area. Medicare plus a Medicare Supplement plan may best if you like to travel throughout the year. Final Thoughts Understanding, the difference between the two, is essential folks. A true professional will listen to your needs and then make a recommendation to you. Helping you find what plan is best for you. And then if they're really good, they'll help you enroll. And that's what I do, and I've been doing it for 31 years. Most of my business is referral business. You won't find a quoting tool on my web site that you can run your own quotes. Quite frankly if you're looking to run quotes there are other opportunities for you to do that. I like to be here before during and after you purchase your Medicare. So, if you have questions, comments you don't understand you're confused. You've got a medical bill you didn't think you're going to get. You can call me, and we'll talk about it, and I'm more likely to help you with it. Simply pick up the phone and call me at 1- 8 7 7- 5 4 9 -1 2 1 2.

The 2 most popular Medicare free analysis of your particle situation. The best advice for you. Tracy McManamon will break it all down for you. Hear what this 31 year insurance industry expert has to say. Free consultation to Podcast listeners.

Would you like to change your Medicare Supplement program without any underwriting questions. Hurry this is for a limited time only in Ohio. Lets discuss your opportunity. Yes Silver Sneakers is included at NO Charge!

Medicare Advantage Plans plans can be confusing, right? Working with Medicare Insurance plans everyday for the past 30 years, I know. That’s why I continually stay on top of the latest information to help you understand how Medicare Insurance works and show you how to make it work for you. In my constant research, I’ve noticed a very concerning trend with the Medicare Advantage program. I kept hearing that doctors and hospitals were no longer accepting Medicare Advantage patients and this news was very concerning to me. I often say that the decision you make when enrolling in Medicare for the first time may be your only chance to change, move, or enhance your program. So, when you do make that decision, you need to do it right and make sure you fully understand the program in which you’re enrolling. Limitations of Medicare Advantage Initially, I thought that doctors and hospitals no longer accepting Medicare Advantage plans were just a rumor. But, when I began to hear the same news from reputable sources, I went into heavy research mode. So, what did I find? I found out that the rumor wasn’t a rumor at all. There are doctors and hospitals across the nation that are no longer accepting Medicare Advantage patients.That means that you could find yourself having to look for a new doctor if your current doctor decides to stop accepting the program, even if you’ve been going to them for years. Adding insult to injury, you wouldn’t be able to switch to a different insurance program until the next open enrollment period comes back around. What Should You Do? So, if this describes you, what do you do? Well, you could file a complaint with your state’s insurance department. You could also choose to pay cash for your doctor’s visits and/or surgeries. Or, you could see if you qualify for a Medicare supplement program. With a Medicare Insurance supplement plan, you could apply to enroll at anytime without having to wait for open enrollment. A Medicare supplement program will eliminate the issue of not having access to doctors and hospitals because the network is nationwide. You could live in Ohio, choose to see a doctor in Miami, and still be in network! If you’re already enrolled in the Medicare Advantage plan and don’t understand your benefits or are interested in a Medicare Supplement Insurance program I strongly recommend you to not just call any call center or associations. You know who I mean... They will only talk to you about their program and you won’t receive all of the details you’ll need to make a truly informed decision. Who To Call? Call someone who you can trust - an independent agent who understands Medicare and has over 30 years of experience. Call me! We can discuss your needs, your expectations, and what you can afford. From there, I will work hard to find the solution that is best for you. You can reach me toll-free at 877-549-1212. Or, you can text me at 919-349-2038. I am not a call center. And I promise I won’t just take your information before handing you off to a junior insurance agent. You will work directly with me. I’ll be there with you and for you through this process, every step of the way .You can even schedule a free consultation by clicking here.... or better yet just call me at 1-877-549-1212 now about ALL your Medicare Insurance options!

Not a day goes by that some one doesn't call me and say " I can't believe how bad some of the Medicare advice has been when I called _ _ _ _" ( intentionally blank ). Just had another call today from Ingrid in Texas. She had been listening to my Podcasts to educate herself and than the problem began. She went to the Internet and started doing her research ( which I recommend...) but made a call and got into a call center and before she knew it, she enrolled into a plan because the sales agent was " pushing " her into a particular type of plan. The actual plan she bought is not important but the fact was she did not know what she was buying. As she was going to bed that night, she couldn't sleep and was troubled. She realized the rate was really just too good to be true. Indeed it was.

For decades I have had to tell people they could not move from a Medicare Advantage to a Medicare Supplement. We also told people no if they just wanted tho switch Medicare Supplement plans. Well, great news..... that has all changed now! I will unpack some of the concerns you should be aware of... better yet, feel free to just call me for your Free Medicare Consultation or Checkup. Thanks, Tracy McManamon 877-549-1212

Hopefully, you have taken advantage of these services if you are already on Medicare. If not, please be aware of just how great these services are for you and the numerous benefits to your long-term health. Now is the time to know and understand them. This is the top guide ( produced by Medicare ) I hand out to each and every new client or in my free consultations. Call 877-549-1212, or email me tmcmanamon@OneSourceBenefits.com for your free guide. I am happy to provide them to you via email. Please remember to subscribe to this Podcast if your new or already on a Medicare Plan. My clients love it!! Thanks, Tracy OneSourceBenefits.com

Today's brief podcast announces and explains some of the changes coming to Medicare for 2018. These are some of the changes that I am asked about daily with Medicare beneficiaries. It is hard to believe it has taken this long to make these changes but they are surely some important changes you will approve of. Please remember to subscribe now to Your Medicare Benefits Podcast channel. Lots of great news and money saving tips to announce for seniors. The program deals with issues and topics relative to Medicare Supplement, Medicare Advantage and Medicare Part D plans.

MEDICARE SUPPLEMENT- The Pros and Cons Are you trying to unravel all the different Medicare Supplement plans? What about the Medigap Plans. Did you know there are 11 different Medicare Supplement and Medigap Plans. Which one is best for you? Are any of them affordable and how do they work? Can I keep my doctor? Will this Medicare Supplement be accepted everywhere I want to go? These are the questions I am going to answer today for you so you can stop "googling" all those different websites and God forbid, calling one of the carriers direct or an association or even a call center. First, a Medicare Supplement and Medigap plans are the exact same plans. There is no difference. The terms are simply marketing names but both are identical. Some carriers use the word Medigap while others just call it thigh traditional name of Medicare Supplement. If you are in within 3 months of your birth month, before or after your birth month or possibly the month of your birthday, there is no underwriting as long as you are in your initial open enrollment period. generally this period is after you loose your employer coverage or are about to turn 65. I will assume you already have done your homework and have either applied for or secured your Medicare Parts A and B coverage. You must have these important coverages before. you can purchase a Medicare Supplement. Medicare Supplement plans are sold by Insurance Carriers. There are many many ( maybe even too many ) Medicare Insurance carriers. Benefits are identical, the only difference is the premiums and some bells and whistles. Medicare supplement plans are designed to fill in the cracks as to what Medicare does NOT cover. This can be significant. Now for the Pros and Cons: The Cons first: This one is easy. There are not many cons to having a Medicare Supplement plan. One may be the cost ( usually around $110 for Plan G and $155 for Plan F on average). When you annualize this of either approximately $1320.00 for Plan G to $1860 for Plan F and compare that to your current healthcare premium today, I think you'll agree this sounds pretty good. Plan G has a small deductible to pay annually ( right now he deductible is $187.00 per year ).. That's it. Plan F has no deductible, copays, coinsurances or any out of pocket expenses. It is also commonly know as the " Cadillac Plan" The " Cadillac Plan ", Plan F will go off the market in 2020. However if you have this plan in place prior to 2020 you can keep it the rest of your life. Plan G is here to stay!! Medicare Supplement Plan F and Medicare Supplemetn Plan G are the two most popular plans by a wide margin. The Pros: Well actually there are many. Not only the Plan F and G descriptions listed above are considered pro's but the following are also considered important. The network of providers, both hospital and Doctor is nationwide. Compare this to the Medicare Advantage plans and this is huge. The In Network consist of providers is any doctor or hospital in the United States that accepts Medicare. I believe that is most providers and hospitals.... Although the there are some( a very small percentage ) who do not accept Medicare. If you are relatively healthy, there really is no annual open enrollment period when you can change or switch plans. If your health has declined, changing carriers or plans may be difficult. If you get sick, you can NEVER be cancelled. Nor will your particular medical expenses determine your rate or any rate increases. Medicare Supplements are the most common way to cover your healthcare costs in your senior years. The competition among insurance carriers is heavy but there are a few Insurance carriers who really specialize in this field. Some Medicare supplement carriers even offer a true FREE GYM membership. My passion as a Medicare Expert is to help you navigate, educate, and understand and to you enroll in the best plan for you.

Medicare Advantage: The Real Pro's and Con's: If you have watched any television recently, you will more than likely have seen an ad for a Medicare Advantage program. You will have likely have seen some of these Medicare Advantage programs have a zero premium or in other words " Your Medicare Advantage Program is free". These types of programs are very appealing to some people, but you have to make sure you clearly understand what a Medicare Advantage program will and will not do for you. Additionally, there are two types of Medicare Advantage programs so here we are going to peel off the cover of these programs and help you understand how these this type of Medicare Advantage program may or may not help you. First, if you are soon to turn age 65 you are likely getting bombarded with solicitations on both the Medicare Advantage and Medicare Supplement programs. Your initial eligibility to enroll in these types of programs is generally 3 months before your birth month, the month of your birth day and three months following your birth month. Also, please note, any Medicare Advantage or Medicare Supplement will be effective on the first day of the month. So what is a Medicare Advantage program and how does it really work? Assuming you have a general understanding of the Four Parts of Medicare and if not here is a link to Medicare Part A, B, C and D. I also assume you have Medicare Parts A and B already in place, understood or have applied for Medicare Part A and B. Well, a Medicare Advantage replaces traditional Medicare or Medicare Parts A and B. If you do not select a Medicare Advantage and just go with Medicare, than your claims are handled by Medicare. If you have a Medicare Advantage plan than you are working with a traditional Medicare Insurance carrier such as AETNA, Medical Mutual or Blue Cross Blue Shield or one of the many other carriers involved in the Medicare Advantage. What is a "regular" or "traditional" Medicare Advantage? Well this is where the "free or zero premium" Medicare differs greatly. The Medicare Advantage program that is advertised as "free" or zero premium, generally involves a VERY NARROW network of doctors and hospitals. I want to stress the word very narrow networks. The networks is something you really have to do your homework on because you may be in for a very big surprise. For example, many larger cites and even some rural facilitities have more than one hospital. It is not unusual for these Advantage networks to include one facility and not the other one. Further if you travel outside that network, let's say you go on vacation, and need some healthcare, if you are outside your Advantage network you may ( and probably will NOT ) have access to a in network doctor or hospital. Of course if you are having a life threatening illness like a heart attack or become unconsciousness, you would be more than likely have coverage for that particular injury or illness. But, if you are in need to see a doctor and your illness or sickness is not considered life threatening, you probably do not have any coverage and will have to pay the entire claim. What is a Medicare Advantage " select" plan? This plan works similar to the traditional Medicare Advantage plan mentioned above with one basic exception, the network is a bit larger than the traditional network mentioned above, however you still will not have nationwide access to hea;th are, doctors or hospitals. The select plan does have a premium associated with the plan. The chart below will illustrate some actual pricing samples, however your rate in your particular zip code or county will be unique to that area. Not to be too confusing but just to be clear, some insurance carriers offer one or the other type of plan above while others will offer both a select and a traditional Medicare Advantage plan. Two final issues to be sure you are aware of: 1.There has been much in the news about the longevity and sustainability of the ...

Are you confused about all the differences in Medicare Advantage and Medicare Supplement Plans? Which one is best for you? Well before you make your final selection as to which route you want and desire for your health care needs ( likely for the rest of your life), you need to properly compare a Medicare Advantage vs. Medicare Supplement Plans. Which one is right and best for you? Perhaps, and possibly, for the first time in your life, you really have to look at and understand the Medicare Advantage and/or a Medicare Supplement Plans. As a note of clarification, a Medicare Supplement is commonly also referred to as a Medigap Plan. Both mean the exact same thing. The more common and accepted term is Medicare Supplement Plan. Each plan has it's own merits and benefits that you should investigate and uncover. Although both plans are Federal Insurance Programs plan benefits MUST be exactly the same, the differences in both the monthly premiums and " bells and whistles" along with some discount opportunities could truly add up. Statistics prove out that once you make your selection for your Medicare plan, initially, most people do not or more importantly can not change plans ever again. What keeps me up at night is those people, who call me because they initially dealt with the insurance carrier direct, a call center or an association and bought what they thought was the best Medicare Plan, and now they want to change their plan but cannot change their Medicare Supplement or Medicare Advantage plan ever again. The best way to properly investigate which type and eventually which plan is best for you is to consult with an experienced ( I mean someone with 10 years or more ) unbiased, independent insurance expert. This Medicare decision is vitally important and buying a plan from a call center or an association is truly NOT in your best interest. My passion as a Medicare Expert is to help you navigate, educate, and understand and to you enroll in the best plan for you. I am NOT a call center and will likely answer your call when you call me directly at 877-549-1212. I have set aside time every day to help you avoid choosing the wrong Medicare Plan. My consultation is completely free, for a limited time only. I invite you to contact me personally to discuss your situation, while I still have the time. I have 29 years of expertise in Medicare and I look forward to helping you with your insurance needs. Call me today at 877-549-1212

Best Medicare Supplement Discounts and Saving Tips. Unless money grows on trees in your backyard, you'll want to listen in to these unique top tips to save on your Medicare Supplement. For some reason, many " Medicare Sales Agents" never talk about these benefits yet they could end of saving you thousands over your lifetime if you understand the options, discounts and "freebies" given to you if you enroll in the right Medicare Supplement Plan. Want this done right? I get it! Just call me Call me today at 877-549-1212 ( I actually answer my own phones )

The most popular question I receive on a daily basis is " What is the Best Medicare Supplement Plan" for me or my spouse. It really boils down to three choices. Plan F, Plan G or Plan N. I will walk you through, step by step, the three most popular plans offered by Medicare today. Well, those are the top three plans nationwide, but it is important to understand how each plan will work and why one of these plans is likely to best for you. Medicare offers 11 plans nationally, but not all carriers in your market may offer one of these three or any of the other 8 plans in your particular zip code or county. Insurance carriers offer three different ways to make plans available to you depending on whether it is a statewide offering or plans are offered by zip code or on a county-wide basis.

Before you select your Medicare Supplement Plan, find out the real difference in Medicare Supplement Plans F and G Comparison. Check out the differences in costs and the benefit differences as well. It has been reported that Medigap Plan F will be taken "off the market" starting in 2020, but if you have this plan prior to 2020, I am told you can keep this plan, often called the " Cadillac or Rolls Royce Plan". Not all insurance carriers offer Plan G yet, so tune in to see how you can best evaluate which plan is best for you both now and down the road. Some insurance carriers will offer both Plans F & G. It is very important to select the right Medigap plan for you as you will likely not change this plan again, the remainder of your life. If you select the wrong Medigap plan and end up with a major illness like a heart attack, diabetes or some other major disease including cancer you will likely be declined. So take your time and do the research and talk to someone who has experience and truly knows the Medicare options, benefits and prices that best fit your needs and expectations. Having an advocate and trusted resource for Medicare is like having a good attorney or CPA who can help you throughout the year to be on call or answer questions year round. A good Medicare Supplement expert can also help you select the best Medicare Drug Card as well. A Part D Drug card is something you will need to look at yearly. My passion as a Medicare Expert is to help you navigate, educate, and understand and to you enroll in the best plan for you. I am NOT a call center and will likely answer your call when you call me directly at 877-549-1212. I set aside time every day to help you avoid choosing the wrong Medicare Plan. My consultation is completely free, for a limited time only. I invite you to contact me personally to discuss your situation, while I still have the time. I have 29 years of expertise in Medicare and I look forward to helping you with your insurance needs. Call me today at 877-549-1212

Medicare Supplement Benefits-3 Most Important Questions you should be asking when you are looking into a Medicare Supplement Plan. This is especially important if you are new to Medicare or have never had a Medicare Supplement Plan before. Medicare Supplement Plans currently come in 11 different choices of benefits, coverages and of course in premiums... beyond that, some carriers offer certain discounts for added family members or even coverages like hearing aids or glasses These issues are critically important to anyone looking at Medicare for the first time or looking to change Medicare Plans. Have you thought about being forced to change Doctors? Will you have access to the hospital of your choice? If I get sick will or can the insurance company cancel me? Will I need permission to go from one doctor to another? These questions are critical that you research and understand BEFORE you decide on a Medicare Supplement Plan. Changing Medicare Supplement Plans is much more difficult than you can imagine, so making the right decision initially is well worth the time. In fact, should you suffer a heart-related illness, cancer or stroke it's unlikely you could ever change your Medicare plan for the rest of your life. Take the time to do your research and speak to a Medicare expert. Having a Medicare expert on your side is like having a good attorney or CPA who watches out and will help you down the road. Medicare Supplement expert Tracy McManamon discusses the 3 most common yet the 3 MOST Important Medicare Supplement Plan issues today. My passion as a Medicare Expert is to help you navigate, educate, and understand and to you enroll in the best plan for you. I am NOT a call center and will likely answer your call when you call me directly at 877-549-1212. I set aside time every day to help you avoid choosing the wrong Medicare Plan. My consultation is completely free, for a limited time only. I invite you to contact me personally to discuss your situation, while I still have the time. I have 29 years of expertise in Medicare and I look forward to helping you with your insurance needs. Call me today at 877-549-1212