Medicare Broker Help Senior Insurance Plans
PEOPLE NEED CHOICES
Coverage for your unique needs!
https://SeniorSurancePlans.com
&
https://CarlaJInsurance.com
CONTACT: 260-517-8182
PEOPLE NEED CHOICES
Coverage for your unique needs!
https://SeniorSurancePlans.com
&
https://CarlaJInsurance.com
CONTACT: 260-517-8182
Indiana & Ohio Several Medicare Companies to chose from
My Commitment I believe that people need choices. In order to offer those choices a broker needs to offer a wide variety of Carriers and Plans.
Indiana & Ohio: Click the 2024 My Health Plans, so you can research your own costs for Supplements (MediGap Plans), PDP (Prescription Drug Plans), and Advantage Plans in Indiana & Ohio. Supplement (Medigap Plans are by state and Advantage Plans (including PDP Plans are by Zip Code in each County in both Indiana & Ohio.
What this means for You, is the ability to shop for the benefits and costs that meets Your needs. I will help you obtain the right plan for you.
Medicare Comparison Tool for Supplements, Advantage Plans, PDP Indiana & Ohio
My Health Plan Provides a gateway for you to search, compare, and purchase Medicare Supplements, Advantage Plans, Special Needs Plans, Chronic Condition Plans, and PDP Plans through Indiana and Ohio. This Gateway is “My Health Plan”. I do make house calls.
My Commitment I believe that people need choices. In order to offer those choices a broker needs to offer a wide variety of Carriers and Plans.
Indiana & Ohio: Click the 2024 My Health Plans, so you can research your own costs for Supplements (MediGap Plans), PDP (Prescription Drug Plans), and Advantage Plans in Indiana & Ohio. Supplement (Medigap Plans are by state and Advantage Plans (including PDP Plans are by Zip Code in each County in both Indiana & Ohio.
What this means for You, is the ability to shop for the benefits and costs that meets Your needs. I will help you obtain the right plan for you.
Medicare Comparison Tool for Supplements, Advantage Plans, PDP Indiana & Ohio
My Health Plan Provides a gateway for you to search, compare, and purchase Medicare Supplements, Advantage Plans, Special Needs Plans, Chronic Condition Plans, and PDP Plans through Indiana and Ohio. This Gateway is “My Health Plan”. I do make house calls.
As Individualized As You Are
You need to have your Medicare Card 1st! For Supplements, or Advantage Plans:
You need to be Eligible for Part A and Enrolled into Part B. Aging into or Qualifying for Medicare Rules at age 65: You have a 7-month window for your Initial Enrollment: 3 months prior to your birth month, (I recommend 3 months prior to your birth month or when you qualify for Medicare), Your Birth Month, and up to 3-months after your birth month.
Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. The first 24 months of disability benefit entitlement is the waiting period for Medicare coverage.
You may choose to work past the age of 65, which you can but you need to have what Medicare considers to be "Credible Coverage".
PDP, Prescription Drug Coverage: You need to have your Medicare Card, be Eligible for Part A and/or Enrolled into Part B. There is a Penalty for not signing up for Part D when it was 1st available to you if you did not have qualifying prescription insurance, "Credible Insurance". The highest percentage of the populace that I meet with could not afford the Medications they need without a Prescription Drug Plan.
If you are 65 & did not receive your Medicare Card, you need to contact Social Security to enroll or obtain a copy. Call them at 800-772-1213 or enroll on-line at www.socialsecurity.gov .
You can still work after you turn 65. Many employers offer credible coverage to their employees. There is a penalty for not taking Part B, when it was 1st offered to you. There are time limits when your credible coverage ends. You need to sign up for Part B before the time limit to avoid a penalty.
You need to be Eligible for Part A and Enrolled into Part B. Aging into or Qualifying for Medicare Rules at age 65: You have a 7-month window for your Initial Enrollment: 3 months prior to your birth month, (I recommend 3 months prior to your birth month or when you qualify for Medicare), Your Birth Month, and up to 3-months after your birth month.
Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. The first 24 months of disability benefit entitlement is the waiting period for Medicare coverage.
You may choose to work past the age of 65, which you can but you need to have what Medicare considers to be "Credible Coverage".
PDP, Prescription Drug Coverage: You need to have your Medicare Card, be Eligible for Part A and/or Enrolled into Part B. There is a Penalty for not signing up for Part D when it was 1st available to you if you did not have qualifying prescription insurance, "Credible Insurance". The highest percentage of the populace that I meet with could not afford the Medications they need without a Prescription Drug Plan.
If you are 65 & did not receive your Medicare Card, you need to contact Social Security to enroll or obtain a copy. Call them at 800-772-1213 or enroll on-line at www.socialsecurity.gov .
You can still work after you turn 65. Many employers offer credible coverage to their employees. There is a penalty for not taking Part B, when it was 1st offered to you. There are time limits when your credible coverage ends. You need to sign up for Part B before the time limit to avoid a penalty.
EDUCATIONAL SUMMARY OF MEDICARE SUPPLEMENT "MEDIGAP" PLANS
Supplement Letter Plan
A Medicare Supplement policy (LETTER PLAN ), covers many out-of-pocket medical expenses Original Medicare does not cover. You can go to any facility that accepts Medicare in the U. S. With a Supplement: Most citizens that work for 10 years qualify for Part A, (or your marriage of 10 years or more to the same spouse by their working 10+ years). You Pay for your Part B, Your Supplement Premium and Part D Premium if you also want Prescription Drug Coverage.
Yes, that is 3 payments, Every Month. The Supplement "Medi Gap" is Guaranteed Issue when you are first eligible for Medicare.
You need to have your Medicare Card. If you want a Drug Plan, “Part D” there is a separate monthly premium. This is in addition to your Part B premium, and your Supplement premium.
That is 3 payments monthly, if you want a Supplement "MediGap" plan and a PDP Prescription Plan.
PDP Plans: Educational Overview
If you want a Drug Plan, “Part D” there is a separate monthly premium. This is in addition to your Part B premium.
You can use Original Medicare that covers on average 80% of Medical Costs and buy a PDP plan. You must qualify for Part A and be eligible for Part B. Some Advantage Plans include Prescription Drug Coverage.
There is a Penalty for not signing up for Part D when it was 1st available to you. Or if you did not have qualifying prescription insurance, usually through an employer.
The highest percentage of the populace that I meet with could not afford the Medications they need without a Prescription Drug Plan.
Advantage Plans, Part D Plans, and Special Needs Plans: Educational Overview
Many Advantage Plans combine Medical and Prescription Drug Costs. Some refer to these plans as "C" Plans. Some Advantage Plans are Medical only. Some Advantage Plans also offer extra benefits like hearing, dental, vision, and transportation depending on the plan, state, zip code, and the county you live in.
You need to be Eligible for Part A and Enrolled into Part B.
Advantage Plans have been Guaranteed Issue.
Advantage Plans vary from county to county within each state and in some instances by specific zip code depending on where you live. Some plans combine Hospital, Doctors, and Prescription Drug Coverage. Some plans are Hospital and Doctors only. Not all doctors choose to participate in every Advantage plan. A doctor could accept 3 plans with the same carrier but not the other plans offered in your county or zip code for that same carrier.
Doctors can leave any plan throughout the calendar year. Each year, plans, prescription drugs and carrier benefits change, as do costs. This is why it is so important to sit down with me to go over your "Prescribed Medicines", doctors, and facilities, because they can and do change every year.
Every year I take Federal Medicare training, test out, then take specific courses, and test out for each carrier that I write advantage plans for. Additionally, I complete 24-Credit Hours of training and tests every two years to comply with Indiana Insurance Training Requirements.
Special Needs Plans - Indiana:
If you are on Medicaid and Medicare both, you may be missing many benefits. In addition to the Annual Enrollment Period, there are Special Enrollment periods for Dual Special Needs Plans throughout the year. Your income determines if it meets the criteria for being a Medicaid Beneficiary in your state. Indiana now has 3 types of Medicare/Medicaid Plans: Over 60 Full disability, Under 60 Full disability, and ANY AGE - Partial Disability dependent on income. On March 15th 2024, the Indiana Individual Monthly Maximum limit was raised to $1,255.00. Each state has its own base monetary limit.
Supplement Letter Plan
A Medicare Supplement policy (LETTER PLAN ), covers many out-of-pocket medical expenses Original Medicare does not cover. You can go to any facility that accepts Medicare in the U. S. With a Supplement: Most citizens that work for 10 years qualify for Part A, (or your marriage of 10 years or more to the same spouse by their working 10+ years). You Pay for your Part B, Your Supplement Premium and Part D Premium if you also want Prescription Drug Coverage.
Yes, that is 3 payments, Every Month. The Supplement "Medi Gap" is Guaranteed Issue when you are first eligible for Medicare.
You need to have your Medicare Card. If you want a Drug Plan, “Part D” there is a separate monthly premium. This is in addition to your Part B premium, and your Supplement premium.
That is 3 payments monthly, if you want a Supplement "MediGap" plan and a PDP Prescription Plan.
PDP Plans: Educational Overview
If you want a Drug Plan, “Part D” there is a separate monthly premium. This is in addition to your Part B premium.
You can use Original Medicare that covers on average 80% of Medical Costs and buy a PDP plan. You must qualify for Part A and be eligible for Part B. Some Advantage Plans include Prescription Drug Coverage.
There is a Penalty for not signing up for Part D when it was 1st available to you. Or if you did not have qualifying prescription insurance, usually through an employer.
The highest percentage of the populace that I meet with could not afford the Medications they need without a Prescription Drug Plan.
Advantage Plans, Part D Plans, and Special Needs Plans: Educational Overview
Many Advantage Plans combine Medical and Prescription Drug Costs. Some refer to these plans as "C" Plans. Some Advantage Plans are Medical only. Some Advantage Plans also offer extra benefits like hearing, dental, vision, and transportation depending on the plan, state, zip code, and the county you live in.
You need to be Eligible for Part A and Enrolled into Part B.
Advantage Plans have been Guaranteed Issue.
Advantage Plans vary from county to county within each state and in some instances by specific zip code depending on where you live. Some plans combine Hospital, Doctors, and Prescription Drug Coverage. Some plans are Hospital and Doctors only. Not all doctors choose to participate in every Advantage plan. A doctor could accept 3 plans with the same carrier but not the other plans offered in your county or zip code for that same carrier.
Doctors can leave any plan throughout the calendar year. Each year, plans, prescription drugs and carrier benefits change, as do costs. This is why it is so important to sit down with me to go over your "Prescribed Medicines", doctors, and facilities, because they can and do change every year.
Every year I take Federal Medicare training, test out, then take specific courses, and test out for each carrier that I write advantage plans for. Additionally, I complete 24-Credit Hours of training and tests every two years to comply with Indiana Insurance Training Requirements.
Special Needs Plans - Indiana:
If you are on Medicaid and Medicare both, you may be missing many benefits. In addition to the Annual Enrollment Period, there are Special Enrollment periods for Dual Special Needs Plans throughout the year. Your income determines if it meets the criteria for being a Medicaid Beneficiary in your state. Indiana now has 3 types of Medicare/Medicaid Plans: Over 60 Full disability, Under 60 Full disability, and ANY AGE - Partial Disability dependent on income. On March 15th 2024, the Indiana Individual Monthly Maximum limit was raised to $1,255.00. Each state has its own base monetary limit.
There are specific Medicare Plans for those receiving Medicare & Medicaid both. Many of these plans offer a wide range of benefits.
Starting in April 2023: Medicaid Members to be Impacted by Medicaid Re- determination
Starting in April 2023, states will have the ability to resume the Medicaid Re-determination process after three years of being paused due to the COVID pandemic. States can begin to initiate the re- determination process as early as February 1, 2023, and dis-enrollment's can be effective as early as April 1 if adequate notice is given to the Enrollee. Each state will set the date for when re-determination will start.
Approximately 15 million individuals nationally, will be at risk of losing Medicaid coverage. Anyone who is no longer eligible for Medicaid will be dis-enrolled.
Make sure you check your mail carefully for any mailings from your state Medicaid.
I helped many individuals throughout 2023, even if they were not my clients. Too many Medicare recipients found out they no longer had Medicaid when their Social Security check deducted the Part B Premium or when their visit to a doctor informed them they no longer had Medicaid. Many did not receive any notification documents from their state Medicaid that their benefits would cease or that re-determination was due. Some recipients provided the requested re-determination documents to their local Medicaid offices only to find out the documents they provided (sometimes multiple times), were not sent to the proper destinations. It has been a challenging year for those that need Medicaid help the most, for doctors, hospitals, tests, and medicines. Some are making decisions between eating, heat, medicine, doctors, or treatment.
WHO ELSE QUALIFIES?
ARE YOU DISABLED? First, the Social Security Administration must make a determination of SSDI approval. Second, individuals with disabilities must wait five-months before receiving SSDI benefits. Finally, after receiving their SSDI benefits, individuals must wait an additional 24 months before they receive Medicare coverage.
Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. The first 24 months of disability benefit entitlement is the waiting period for Medicare coverage.
ARE YOU DISABLED? First, the Social Security Administration must make a determination of SSDI approval. Second, individuals with disabilities must wait five-months before receiving SSDI benefits. Finally, after receiving their SSDI benefits, individuals must wait an additional 24 months before they receive Medicare coverage.
Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. The first 24 months of disability benefit entitlement is the waiting period for Medicare coverage.
AEP October 15th Through December 7th
Open Enrollment for specific changes to Advantage Plans & Original Medicare:
Open Enrollment is from January 1st through March 31st.
What Can You Do During Open Enrollment
You can Make ONE Change during "OEP"
Switch from a Medicare Advantage to Original Medicare & add a Part D Plan (penalty may apply See Below)
Switch from one Medicare Advantage plan to another Medicare Advantage Plan (with or without drug coverage)
Enroll into a standalone Medicare Prescription Drug Plan if you return to Original Medicare
If you are outside of “When you are/were 1st eligible": (a PDP late enrollment penalty may apply) The late enrollment penalty (also called the “LEP” or “penalty”) is an amount that may be added to a person’s monthly premium for Medicare drug coverage (Part D). A person enrolled in a Medicare plan may owe a late enrollment penalty if they go without Part D or other creditable prescription drug coverage for any continuous period of 63 days or more after the end of their Initial Enrollment Period for Part D coverage.
Open Enrollment for specific changes to Advantage Plans & Original Medicare:
Open Enrollment is from January 1st through March 31st.
What Can You Do During Open Enrollment
You can Make ONE Change during "OEP"
Switch from a Medicare Advantage to Original Medicare & add a Part D Plan (penalty may apply See Below)
Switch from one Medicare Advantage plan to another Medicare Advantage Plan (with or without drug coverage)
Enroll into a standalone Medicare Prescription Drug Plan if you return to Original Medicare
If you are outside of “When you are/were 1st eligible": (a PDP late enrollment penalty may apply) The late enrollment penalty (also called the “LEP” or “penalty”) is an amount that may be added to a person’s monthly premium for Medicare drug coverage (Part D). A person enrolled in a Medicare plan may owe a late enrollment penalty if they go without Part D or other creditable prescription drug coverage for any continuous period of 63 days or more after the end of their Initial Enrollment Period for Part D coverage.
You May Be Missing Benefits
You may not be getting all the benefits through your current Medicare plan and may not know what you are eligible for. There are new plans, costs, inclusions, exclusions, and different prescription drugs every year that you should review Every AEP or Special Enrollment Period. You may be missing out on benefits you are eligible to receive through new plans offered. Some "Prescription Drug" costs may be cost-prohibitive through one plan and more affordable on another. These aspects can and do change every year.
One of the 1st things I do, when I sit down with clients every year, is go over their current prescriptions. Every year the Formularies (what drugs are listed on every specific plan) and the costs of those prescriptions can and often change. You will need to check every medicine every year to make sure it is on the plan Formulary you choose, what tier it is on, and what the cost is.
Every year you need to make sure your doctors are accepting your plan, meaning they are In-Network, for the plan you choose. You should check for your Family Doctor "PCP", Dentists, Doctors for Eye Care, Doctors for Hearing, and your specialists. Any doctor can leave any plan, any time during the year.
If you are on Medicaid and Medicare both, you may be missing many benefits. In addition to AEP the Annual Enrollment Period, there are Special Enrollment periods for Dual Special Needs Plans throughout the year. Your income determines if it meets the criteria for being a Medicaid Beneficiary in your state. Indiana now has 3 types of Medicare/Medicaid Plans: Over 60 Full disability, Under 60 Full disability, and ANY AGE - Partial Disability dependent on Income. On March 15th 2024, the Indiana Individual Monthly Maximum limit was raised to $1,255.00. Each state has its own base monetary limit.
The Annual Enrollment Period (AEP) is from October 15th through December 7th. These plans have an effective date of January 1st, of the following year.
The Open Enrollment is from January 1st through March 31st.
(Please review the Open Enrollment) section above for details.
You may not be getting all the benefits through your current Medicare plan and may not know what you are eligible for. There are new plans, costs, inclusions, exclusions, and different prescription drugs every year that you should review Every AEP or Special Enrollment Period. You may be missing out on benefits you are eligible to receive through new plans offered. Some "Prescription Drug" costs may be cost-prohibitive through one plan and more affordable on another. These aspects can and do change every year.
One of the 1st things I do, when I sit down with clients every year, is go over their current prescriptions. Every year the Formularies (what drugs are listed on every specific plan) and the costs of those prescriptions can and often change. You will need to check every medicine every year to make sure it is on the plan Formulary you choose, what tier it is on, and what the cost is.
Every year you need to make sure your doctors are accepting your plan, meaning they are In-Network, for the plan you choose. You should check for your Family Doctor "PCP", Dentists, Doctors for Eye Care, Doctors for Hearing, and your specialists. Any doctor can leave any plan, any time during the year.
If you are on Medicaid and Medicare both, you may be missing many benefits. In addition to AEP the Annual Enrollment Period, there are Special Enrollment periods for Dual Special Needs Plans throughout the year. Your income determines if it meets the criteria for being a Medicaid Beneficiary in your state. Indiana now has 3 types of Medicare/Medicaid Plans: Over 60 Full disability, Under 60 Full disability, and ANY AGE - Partial Disability dependent on Income. On March 15th 2024, the Indiana Individual Monthly Maximum limit was raised to $1,255.00. Each state has its own base monetary limit.
The Annual Enrollment Period (AEP) is from October 15th through December 7th. These plans have an effective date of January 1st, of the following year.
The Open Enrollment is from January 1st through March 31st.
(Please review the Open Enrollment) section above for details.
Dental Indiana & Ohio
CIGNA
Ameritas Dental & Vision
UnitedHealthcare
Humana
Anthem Blue Cross Blue Shield
or Dental Plan Brokers: http://www.dpbrokers.com/170619.dp
With a dental savings plan you pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.
Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you'll get the quality care you deserve at a bigger savings than you ever imagined possible.
CIGNA
Ameritas Dental & Vision
UnitedHealthcare
Humana
Anthem Blue Cross Blue Shield
or Dental Plan Brokers: http://www.dpbrokers.com/170619.dp
With a dental savings plan you pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.
Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you'll get the quality care you deserve at a bigger savings than you ever imagined possible.
ACA Affordable Health Care - Indiana & Ohio Exchanges
INDIVIDUAL & FAMILY HEALTH SHORT TERM
Humana Individual & Family Plans Humana
Anthem Individual Family Plans Anthem
UnitedHealthcare Dental, Vision, Individual & Family Health Plans
MedicalHelp247.com
https://www.safe-practice.com/medical-help-24-x-7.html
Tele Medicine 24X7
MEDICAL TELE-MEDICINE
Tele Medicine 24 hours a day - 7days a week
Monthly Payment of $35.00 that covers 1 persons to 6 persons..
No Deductible
No Co-Payment
Prescriptions are sent to your Pharmacy all for one monthly fee. Virtual Visit, Phone Visit
Click here for enrollment:
https://partners.healthsapiens.com/signup/6N4LXFKZ7Q03HCJ8
Prescription Drug Cost Saving Sites
National Drug Card: https://nationaldrugcard.com/
Single Care: https://www.singlecare.com/
Good RX: https://www.goodrx.com/
Robo Calls Telemarketers and 3rd Party Telemarketers for a Carrier or Sales Agent
Marketing Compliance Guidelines Permission To Contact You
A SOA Scope of Appointment is required 48 hours in advance of any Medicare appointment (Unless you the consumer, initiates the request for contact). Before the appointment starts, you are required to initial what you want to discuss regarding Medicare, then sign and date the SOA Form
- Without your written permission or now Recorded Permission, Robo or telemarketers are not allowed to contact you by Phone, Text, or Knock on Your Door for Medicare Sales or Added Benefits that are used as a bait and switch to get your information and connect you to a thief or agent that has used non-Medicare compliant means to get in contact with you.
- Only with your written permission or Recorded Call permission is it compliant for anyone to call you, send a text, or knock on your door for Medicare Sales. It is best not to answer calls from any number you do not recognize. Do not ever say "Yes" to an incoming call from someone you do not know.
- Interrupt Marketing calls for Medicare Sales or "Benefits" you may be missing are NOT Compliant with Medicare Contact Guidelines. Unless you give them Written or Recorded Permission to contact you they are NOT Compliant. Do not say yes to any question, hang up immediately. Better yet, do not answer any calls from a number you do not recognize. THESE ARE BAIT & SWITCH calls.
- Most non-compliant callers use local phone numbers that are not in service or disconnected as a rouse to get you to answer. Many of these calls originate from outside the United States. Using local numbers that are unassigned or disconnected, makes it difficult to trace, and helps them avoid prosecution and fines. It requires a legal arrangement process legal to trace numbers. There are ways and places to report people and numbers calling you.
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