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Are you working and 65 years, Make careful decisions?

Have you attained 65 years and are working yet and do not know how to go about with Medicare? The fact is that you are not alone; there are many people with this confusion.


Medicare supplement plans eligibility starts at 65 or even before 65 years if you qualify owing to disability. The retirement age was 65, and now that has actually changed. As per the Social Security Administration, People starting with or are born in 1938 means, the full retirement age increases gradually as they reach 67 for people whose birth year is after 1959. It means there are many 65-year-old people employed and working out there and they have other coverage of health insurance, while they are wondering how to handle Medicare.


The fact is if you are working after 65 and are covered by health care plan employer-sponsored, it is best to stay as it is in the existing plan apart from enrolling in Medicare supplement plans. Prior to deciding, check the Original Medicare benefits that include Parts A and B and how it will work with the existing plan.


Medicare and Other Insurance


It is crucial to know how Medicare supplement plan works with other plans of health insurance. For instance, you must know the plan paying the bills first. The possibility is that Part B is of limited value as you already have other health insurance and this is because the other insurance pays first. This may also be the reason to delay Part B enrolment and to avoid paying premium. However, self-employed people or people who work for less than 20 full-time employees with an employer may want to get enrolled in Part B. In such cases, health expenses are first paid by Part B. It is best to check always with the plan administrator prior to deciding.


Initiate with Basic Coverage

People working past 65 years can enroll in Part A Medicare and it does not have monthly premium. You can enroll in Part A and B as well. The Part B covers outpatient and doctor coverage, where the premium depends on the income.


Thinking About Retirement?


If retirement is on the horizon, consider a few things:

  • Keep the records of your health insurance coverage ready to prove you had Medicare supplement plans coverage past your Initial Enrollment Period.
  • If you are retiring, after the coverage of employer-sponsored ends, you have 63 days to join Medicare supplement plans without penalty. It is also best to sign up to prevent a gap in coverage.

How to avail vision and dental coverage with Medicare supplement plans

Medicare, the original plans include Parts A and B that helps in paying where medical care is essential. It helps to treat or diagnose condition or illness. Vision and dental care are not seen as necessary medically. Traditional Medicare does not cover eye exams, dental exams, eyeglasses or related services. There are options if you require Medicare and need some help to handle the cost involved with vision and dental care.

Medicare Advantage Plans Covering Dental and Vision Care

Part C of Medicare Advantage plans provide same coverage as Parts A and B of Original Medicare. Many plans include dental and vision care coverage. Most include the coverage for prescription drug.

Medicare Advantage plans are provided by the private insurance companies.  However, the plans depend on the place you live. The costs and the plan coverage vary with each plan and so it is worthy to shop around for the plans. There are plans charging premium apart from the Part B premium. Medicare Supplement Plans provide programs to assist in the costs involved with vision and dental care.

How does Medigap help?

Medigap that is also the Medicare supplement plans of insurance helps in paying the costs that is not covered by the Original Medicare. These costs include co-pays, deductibles, and coinsurance for hospitalization, doctor visits, or other medical services. The plans are provided by private insurance companies.

The Medicare supplement plans of insurance offered by some private companies offers special coverage options to members for vision and dental care. In fact, some provide a discount program to insured members so that they save the costs on vision and dental care. These are not included in the benefits of Medicare supplement plans. They are actually additional options offered by insurance companies to the insured members.

The Medicare supplement insurance plans are available to an individual depending on the place you live.  The federal government has ensured the plans are standardized with respect to coverage, though the costs vary. Also, the plans are differently standardized in Minnesota, Massachusetts, and Wisconsin.

You can get the details of the plan from the insurance companies providing plans in your area or by searching your zip code. You may contact for help to the Assistance Program in your State Health Insurance.  You may choose the plans, compare and then arrive at a decision. The annual costs estimated and the plan ratings help in meeting your needs.

Is Medicare identical for people with disabilities and on attaining the age 65?

Many people wish to know about the details of Medicare, if it is the same for eligible people owing to their disability as the eligible people on turning 65 years.


Yes, the Traditional Medicare benefits are the same for eligible people owing to their age disability. However, there are eligibility requirements.


Eligibility Requirements for People having Disabilities


Beneficiaries are the people having Medicare and are eligible as they turn the age of 65. However, there are some people under the 65 years and are eligible due to any of these health conditions:


Qualifying Disability: People having a disability that is qualifying for Medicare means the beneficiary is expected to file first for social security through disability benefits. They should receive approval by Social Security as the foremost step even to be considered as Medicare eligible.


As the beneficiary receives disability benefits from the RRB, Railroad Retirement Board or SSA, Social Security Act, for 24 months, they will get enrolled in Traditional Medicare automatically.


Lou Gehrig’s disease: People having Lou Gehrig’s disease, are also referred to as Amyotrophic Lateral Sclerosis (ALS), and they are Medicare eligible. The beneficiary gets enrolled automatically Parts A and B in Original Medicare as soon as your disability benefits start. The Medicare coverage has no waiting period.


End-Stage Renal Disease: People having End-Stage Renal Disease (ESRD) are qualified for Original Medicare. The beneficiaries with ESRD get enrolled automatically in Original Medicare. If you have any queries, contact the social security office.


Medicare Advantage Plans offers programs to help with vision and dental care costs. Medicare advantage Plans referred to as Medigap pays some costs left out by the Original Medicare and these may include co-pays, deductibles, and coinsurance such that it may be used for hospitalization, doctor visits, or medical services. These insurance plans are provided by private insurance companies.


Companies offering their Medicare advantage plans offer special coverage options to their member for vision and dental care. Some offer the insured members a discount program to save money on vision and dental care. These offerings are not a part of the Medicare advantage plans insurance benefits. In fact, they are additional options that are given to insured members by some private insurance companies.


The Medicare advantage plans are available depending on the place you live. The plans are standardized in terms of coverage by the federal government, but costs vary. The same plans are standardized differently in Massachusetts, Minnesota, and Wisconsin.

Medicare Advantage plans coverage for Same-Sex Couples

The same-sex couples have now been accepted widely as per the law and it is time you know who is Medicare advantage plans eligible.


There was an Act passed in 1996 September that barred the marriage of couples in same sex, in association with other laws. In fact, it was not recognized as a marriage or legal spouses as per the federal laws. However, the individual states now identify the marriages between same-sex, while at the federal level it was not considered as valid. Thus, it means the married couples in same sex cannot qualify through one’s spouse for Medicare advantage plans or policies.


Recent Developments

In the United States, recently, the Supreme Court has reached Medicare and the Social security administration determines Medicare eligibility as the federal agency. The social security administration announced recently that Medicare enrolments can process for spouses of same sex.  Thus the policies permit the same-sex marriages or members to collect automatically social security benefits based on their spouses.


The decision of the Supreme Court ensured the married couples are equally treated under the law.


Why is it important?

The significance in Medicare eligibility guidelines is widespread for the couples in same-sex.

  • U.S. couples of same-sex are protected now with regards to their Medicare advantage plans benefits, despite the state laws that they should choose to live. For instance, same-sex couples who got married in New York but are living in Florida can seek benefits as a couple as they are considered eligible.
  • There are a few federal marriage benefits that may be extended to the same-sex surviving spouse of a partner who recently passed away. This includes the possibility of being eligible for Part A Medicare without a premium, and they can enjoy the death benefits such as Social Security that is granted to surviving spouses.
  • The couples that are in civil unions and domestic partnerships also gain access to some, and not all the benefits.


The same sex couples are allowed to apply for the benefits of Medicare, particularly if they were denied earlier for their applications owing to DOMA. However, some are considered qualified for Medicare advantage plans special enrolment period to get enrolled in Medicare. The beneficiaries of Medicare may be qualified for late-enrollment penalties reductions for Part A and B Medicare, in case the penalty was due to the same sex spouse employment. The best is to understand the same sex marriages policy and to buy one depending on individual circumstances.

Medicare Supplement Plans in California

Having a Medicare supplement plan in California offers a significant advantage over other states. As a California Medicare Supplement member, you may change companies every year in the month of your birthday without medical insurance. You can apply at any time throughout the year to another company. If not in the month of your birthday, the new company will send the application to the underwriting department, which means they will review your current health status and will not be required to approve your submitted application.

If you submit the application during the month of your birthday, your application will be guaranteed as long as the plan granted for the application has equal or lesser benefits. So, if you currently have a plan F through a particular company and their prices are not competitive, you should look into other companies with lower monthly installments.

All California Medicare supplement companies undergo annual rate adjustments. Sometimes the rates will even decline, depending on loss and claims ratios within a given zip code or region. Regardless of your current or previous health status, it is a good idea to compare prices and company ratings annually. If you spend a little time each year reviewing your company’s rates, you will most likely save a lot of money.

Medicare supplement plan G 2019

Only two states offer this option – California and Missouri. In all other states, the member must apply the policies that apply to underwriting. If you live in California and would like to move to another company, not during your birthday month, and you are currently seeking treatment or would like to receive future treatment or surgery, I advise you to speak with a licensed Medicare Supplement Agent who can refer you to the appropriate companies.  Enroll here :

All California Medicare supplement companies inquire about different health issues during applications. Some are very thorough with their underwriting issues and others are very lenient with their policies. A licensed California agent can help you select the appropriate company, depending on your current health status.

The ability to change Medicare supplement companies annually offers California residents tremendous flexibility. They should not be punished just because a company becomes unprofitable, and it decides to increase it’s premium faster and more aggressively than other Medigap companies. Use this law as a tool, and make sure that you are in a competitive business of your choice. Call a Medicare supplement specialist today to discuss your options.

When it comes to your health and finances, you want to be covered. Not worrying concerning added medical expenses will give you the guarantee that you and your loved ones are covered. Whether you choose a Medigap plan F or another supplement plan, rest assured, your bills will be substantially reduced if they are not eliminated.

Do not think that a national provider is more reliable and pays more –that is not true. Every provider must be certified in every state in which he wants to do business. They would not do business if they did not meet the standards of the Insurance Commission.


Medicare Supplement Plans Help To Justify Medicare

Many of the over-65 retirees have maintained greater economic flexibility than those affected by redundancies while still trying to make savings. This makes seniors a very popular market for many industries. In fact, today’s senior marketing is the fastest growing segment of marketing.

In sharp contrast, Medicare is one of the biggest marketing failures that can have seriously harmful complications for those over 65. With multiple parts, two deductibles, partial coverage (just 80 percent) for doctors’ services, no coverage at times (such as when traveling outside the US), and no compensation when doctors levy over what Medicare to pay, Medicare is a maze of contradictions. How do seniors calculate and plan their health care costs?

In fact, both people under 65 and 65 years of age often find Medicare unclear, and some just give in to confusion. It is a sad comment on the “information age” that we have not explained the coverage of Medicare in such a way that many seniors can anticipate their estimated health costs and plan accordingly.

Medicare Supplement Plans help in translating Medicare coverage-Get a no risk quote for 2020 at

Private insurers who market Medigap insurance must at least partially explain to Medicare that they must prove their plans to protect the elderly from all healthcare costs that Medicare will not cover. For many, private insurance companies are discussing Medicare in a more direct and understandable way to give seniors a better and general understanding of where the holes in Medicare’s coverage put them at risk. The risk is real, because too many medical and hospital bills consume retirement plans and force seniors to lower their standard of living. Healthcare costs may be of primary concern to many seniors as their need for health care increases with age and health care prices are increasingly out of control.

2020 medicare supplement plans

A Medicare supplement can reduce seniors’ medical bills.

With existing Medicare benefits in jeopardy (Medicare has been extended beyond its predicted bust in just eight years), baby boomers and senior citizens are exploring alternatives, such as Medicare Advantage plans and Medicare Supplement plans.

In view of the new health laws, Advantage plans are beginning to lose their subsidies. These plans are expected to become more expensive as government subsidies decline. Medigap insurance, often called Medicare Supplement insurance, is a viable alternative. With 10 different plans, each one fills in the gaps in Medicare in a slightly different way, leaving seniors free to choose only the benefits they need without paying for extras. Medigap plans cover Medicare deductibles for Part A and Part B to make more affordable to see the doctor and go to the hospital if need be. These plans may also cover Medicare’s co-pay and co-insurance costs, and certain plans extend Medicare’s coverage to services that go beyond Original Medicare, for instance, emergency medical care if you are not in the country.

Confusion over Medicare has not made seniors ready for health care cost. Although millions are now enrolled in Medicare to pay for their healthcare, many remain vulnerable because they lack the understanding of the intricacies of the Medicare system.


Medicare Supplement Plans Gives Seniors a Hand

According to an announcement by federal officials, Floridians on Medicare saved more than $ 96 million in prescription drug costs in 2011 all due to a provision in the Affordable Care Act.

Savings were made because generics medicines were cut by seven percent to help people who had no cover due to Medicare’s infamous “donut hole.” A discount of 50 percent on prescription branded drugs is also help them. The donut hole is the gap between regular and catastrophic coverage in Medicare’s prescription drugs.

In spite of a premium increase, the government also announced that private insurance companies are neither leaving the Medicare market nor raising prices for the plans. In fact, the average plan premiums have even fallen.

Nationwide, 2.65 million Medicare beneficiaries saved more than $ 1.5 billion on their prescriptions, which averages $ 569 per person. In Florida, people who saved up to $ 563 and 171 605 beneficiaries are currently affected by this gap in Medicare’s coverage.

It is expected that we will again have a 14 percent discount on generics this year. In addition, the government will continue to offer discounts on branded and generic drugs till 2020. At this time, the beneficiaries who are in the Medicare coverage gap will receive a 75 percent discount on all prescriptions, essentially closing the coverage gap.


The Health Ministry spokesman said that the average monthly premium for Medicare prescription drug plans in 2012 cost about $ 30, a reduction of 76 cents in 2011.

Can Medigap plans work with Medicare Part D plans?  Get a quote at

Even if you supplement Medicare with a Medicare Part D Prescription Drug Plan, you can also enroll in any of the ten Medigap plans. For a period of six months starting on the first day of the month in which you turn 65 and you are enrolled in Part B, your application for a Medigap plan will be guaranteed regardless of your health problems. You can switch to a different plan during this time, and the acceptance which is guaranteed also applies to the application for the other plan.

Upon expiration of this open filing period, insurance companies will no longer need to accept your request for a Medigap Plan, but certain states will offer additional periods for similar open applications. Insurance companies may also offer random open registration types, but these may include certain restrictions.

If you are under 65, federal law does not require insurance companies to accept your request for a Medigap Plan, but certain states have that requirement.

You can also guarantee that your application will be accepted outside open enrollment if you lose your health insurance. If you are over the age of 65, this warranty applies to Medigap Plan A, B, C, F, K, and L. If you are under 65, this warranty applies only to Medigap Plan A. In general, this warranty applies only to 63 days from the date on which your insurance ends, or until the date of notification that your insurance ends.


Medicare supplement plan providers

Seniors around the world can look forward to the comfort of Medicare on their side when it comes to medical needs. By the time you reach the age of 65, you can enroll in the Medicare system provided by government. While this program covers only 80% of approved medical costs, many find it worthwhile. Contrary to popular belief, the remaining 20%, which remain uncovered, need not be out of pocket. There are other health plans available as secondary coverage that go together with your Medicare insurance.

Medicare Supplement, or Medigap, plans are for those enrolled in Medicare Parts A and B. These plans work with Medicare to cover the 20%, which is not just covered with traditional Medicare alone. Medicare supplement plans are important for those who want to avoid spending thousands of dollars more than necessary for their health insurance. If you are not enrolled in a plan of this kind, you may have to pay much more than you should have out of pocket.

Medicare Supplement or Medigap plans are standardized in the many states that recognize them. What that means is that whether you buy a Medicare Supplement Plan G from one insurance company or another, the name and benefits of the plan will be the same. However, even though they are inherently consistent, insurance companies do not all charge the same cost for their plans as they compete for their business. In fact, premiums are generally based on a number of important factors. Some of the key aspects that play a role in how much you will pay for your insurance include:

Zip Code: Contrary to popular belief, the exact zip code for where you live in is important.

Age: Your age at the time you apply for a policy also plays a role in your premium. Of course, the older you get, the higher your monthly payments.

Health status: If you currently have a serious illness, it is likely that you will need many doctor visits and health bills.

Gender: Believe it or not, there are some diseases in which people of one sex or another are more prone to contacting.

Tobacco Use: Those who smoke are likely to be at higher risk for cancer than other major diseases.

While there are many Medicare Supplement providers available, it is important to be careful when deciding which plan and insurance provider is best for you.  Find one at

As a Medicare beneficiary, you can also sign up for other types of coverage, either through the Medicare program or through other sources, such as: An employer.

When you first sign up for Original Medicare, fill out a form known as the Initial Enrollment Questionnaire and you will be asked if you have other types of insurance. It is imperative that you mention all the kinds of insurance you enjoy in this questionnaire. This information will be used by Medicare to help you decide who will be the first to pay you each time you use healthcare services.

Medicare Supplement plans K and L has an exclusion limit. When your spending on services covered by Medicare reaches a given amount, Medigap plan will pay for 100% of the cost covered by Medicare for the remainder of the year.


Medicare Supplement Plan G: The not-so-bad-looking sister of Plan F

You see twin sisters hanging out together, and if you look at just one of them, can you say that one of them is a little bit more mature? She just behaves a little better, seems to have more confidence, and a little more charisma. Then you meet them and you realize that the one who behaved slightly better seemed a bit more cared for than her sister.

Meet Medicare Supplementary Plan F and Medicare Supplementary Plan G. At first glance, Plan F is the clear winner. Both offer excellent coverage of gaps in regular Medicare coverage. In fact, Plan F covers all the deductible, co-insurance, co-pay and excess charge gaps in Medicare, so you do not have to pay out of pocket with this plan. Plan G, works almost identically (hence the dual analogy), but does not cover the deductible of Medicare Part B, which is your outpatient benefits (doctor visits, etc.).

So, why would someone choose Plan G over Plan F? Simple. It costs less. In many cases, you can save enough over the year to cover your Part B deductible (US $ 162 in 2011) and still be up by $ 100 a year.  Get a quote at


Generally, the following benefits are offered by Medicare Supplement Plan G:

  • Medicare Part B coinsurance / benefits
  • Deductible for Medicare Part A, i.e. $ 1,340 for each period of benefit in 2018. A benefit period typically begins on the day you are admitted to a hospital or nursing home and ends when you have not received inpatient care in a nursing home for 60 consecutive days.
  • Medicare Part Co-insurance (20% not paid by Medicare Part A) for hospital costs
  • Up to 365 additional hospital days after Medicare Part A benefit have been exhausted
  • Up to three (3) pints of blood
  • Co-insurance of care facilities (20% not paid by Medicare Part A)
  • Co-insurance or co-payments that Medicare Part A has not paid.

Even as you get older, the difference in price tends to get a little more noticeable. You could eventually see an annual savings of $ 200 or more for a Plan G (after completing Part B’s deductible).

So, you may not have the best-equipped Medicare supplement with Plan G, but you get the best value of Plan G (combination of benefit and premium) in most cases.

If you go down the smaller itinerary while exploring the feasibility of Plan G, you may be shocked to find that you are most likely to move forward with Plan G. More power for your money. You may find that even after paying the Part B deductible you end up saving $ 100 or more with Plan G. That does not seem like too much for many people, but every hundred dollars count when you’re retired and on a fixed income.

So, the next time you compare Medicare Supplement insurance plans, be sure not to leave Plan G out of your research because they just do not look as good as Plan F. They could ultimately be more of a guardian.