Medicare
The New MIPPA (Medicare Improvements for
Patients and Providers Act) Legislation is in Effect June 1, 2010
Please note this is general information only - For Detailed Plan Information
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Please be aware that I never share contact numbers or email addresses with anyone and all personal information is kept absolutely confidential. No one will call you unless you ask to be called and the only person you would talk with is me. Thanks for visiting. Please let me know how I can help you. John K Arnold
The annual Medicare Advantage and Medicare Part D Prescription plan open enrollment has changed for 2011. It is from 10-15-2011 until 12-07-2011. During this period anyone on Medicare whether over age 65 Medicare or under age 65 disability Medicare can sign up for a Medicare Advantage or Medicare Prescription plan. This is truly an open enrollment period where you have freedom make changes. In this period you do not need a reason, you just can change because you want to. During this time, AEP, Medicare beneficiaries may change prescription drug plans, change Medicare Advantage plans, return to original Medicare, or enroll in a Medicare Advantage plan for the first time. Enrollment changes take effect on January 1.
News for people on underage Medicare disability.
Starting October 1, 2009 Insurance Companies offering Medicare Supplement Plans in Florida must also offer the Medicare supplements to people on Medicare due to disability. There is a limited open enrollment period. It ends March 31, 2010. Please contact me immediately for information on underage Medicare supplements so you can decide if that is best for you. Please click on the button below to receive information on underage Medicare Supplement plans.
I have information on underage 65 disability Medicare Supplement Plans available.
Medicare is a valuable government health program for people over age 65 and people that qualify due to disability. It can be very confusing. This is the place to find help understanding Medicare and Medicare Programs.
Medicare is the United Sates federal government health insurance program to provide health insurance to the elderly and disabled. Medicaid is a different government program providing benefits for people qualifying with low income. Medicare begins for most people at age 65. Medicare is also available for qualifying disabled individuals of any age.
Medicare coverage for hospital services is provided under Part A, and
coverage for physician and other professional services is provided under Part B.
For beneficiaries entitled to Social Security benefits, Part A coverage is
provided with no premium payment required from beneficiaries. Both Part A and
Part B have annual deductibles and coinsurance requirements, meaning that
beneficiaries are financially responsible for a portion of the care they
receive. Under Part B, beneficiaries also pay a monthly premium.
Medicare supplement insurance was designed to fill in the gaps in Part A and
Part B coverage. The most common type of supplement is Medigap. Medigap is
specifically designed to supplement Medicare benefits and is regulated by
federal and state law. The majority of states (including the District of
Columbia and US territories) have limited the number of Medigap plans that can
be offered. The National Association of Insurance Commissioners has developed 10
different Medigap plans that are now part of state and federal law. These plans
are described in detail below.
Massachusetts, Minnesota, and Wisconsin are exceptions to the Medigap rule. Each
of these states had alternative Medigap standardization in place when the
federal program was enacted in 1992 and they were allowed to keep their existing
plans. You can obtain details on the Medigap plans available in these states by
contacting the state insurance department.
The 10 Medigap plans are designated by the letters "A" through "J," with Plan
A being the basic plan and Plan J being the most comprehensive. Not every plan
is available from every insurance company or in every location. If an insurance
company sells Medigap plans, it must offer the most basic package (Plan A) in
addition to whatever other plans it chooses to sell. In addition, some states
have limited the number of plans available to beneficiaries.
To summarize, Medicare has two main parts:
 | Part A covers the hospital and nursing facility |
| Part B covers the doctors and medical services |
| Part C covers the Medicare Advantage Plans |
| Part D covers the Prescription Drug Plans |
It is very important to remember that Medicare pays based on Medicare approved amounts. This applies to Part B medical services and very importantly to Part A nursing facility services. Medicare covers less than 5% of the nursing/convalescent facility costs.
Insurance that goes with Medicare includes Medicare Supplement/Medigap policies, Long Term Care plans and Medicare HMO plans that administer your Medicare benefits. The Medicare HMO plans are only available in limited areas.
It is important to remember that when you first become eligible for Medicare, all insurance companies with a Medigap product are required by law to sell you a Medigap plan regardless of your health. After 6 months, however, insurance companies are allowed to raise the price if you are not healthy or not sell you a plan at all. Some states have laws guaranteeing that anyone on Medicare can purchase a Medigap plan, but most states do not. This could effect people if they want to leave a Medicare HMO and return to Medicare Supplement policy.
Medicare does not cover all health care services and costs. Some examples of what Medicare doesn’t cover are:
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Care while traveling out of the U.S. |
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Hearing aids and exams for fitting hearing aids |
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Routine dental care |
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Deductibles |
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Coinsurance |
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Copayments |
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Routine physicals, with the exception of the one-time "Welcome to Medicare" physical exam within the first 12 months of enrolling in Part B (Note: 6 months was changed to 12 months effective 2009 |
The linked WebPages below will provide you with descriptions of Medicare's benefits, Medicare Supplement/Medigap policies. If you would like to apply or need further information, please e-mail or call. The contact information is also below. We look forward to hearing from you.
Please call or email for information
John K. Arnold Insurance, Inc
Florida Health Insurance
Group, Employee Benefits & Individual Health Insurance Specialist
Website Address www.floridahealthinsurance.com
E-Mail: John K Arnold
