If you are approaching age 65, are on Medicare already or are on Medicare due to Disability I have important information for you.
Phil Mattox, CSA is a Certified Senior Advisor who is an expert on the steps that need to be taken when transitioning to Medicare and Medicare D drug program.
Timing is critical when you are approaching Medicare. If you are going to be on Social Security at age 65 you will be automatically enrolled in both Medicare A & B. Your Open Enrollment Period is when you can apply for a Medicare Supplement without any health questions. You cannot be turned down and you current pre-existing conditions will be covered day 1.
Your Open Enrollment Period starts 3 months prior to your going on Medicare, the month you go on Medicare, and the next 3 months. Sound complicated? Yes, it is and that is why we are here to help you.
A Medicare Supplement is a health plan that is designed to pay all the deductibles and co-pays that you encounter on any claim that is for Medicare approved services.
A Plan F policy has the most comprehensive coverage. Plan G covers exactly what Plan F pays with the exception of the Part B deductible.
I can show you how to save money when you apply during Open Enrolment and at no cost for our consultation services.
This is a government drug plan that is administered by private insurance companies. It is a difficult and very confusing process to find out which plan yields you the least out of pocket cost for the year, Jan 1 to Dec 31. What you do not know is that every company can change every aspect of each plan they market each and every year. The deductible, if any, is set by the Centers for Medicare and Medicaid each and every year. Premiums is just one small factor that must be considered. We take your drug list and run it through calculators to determine which of the 6 plans that will work for you in the current year. We do free reviews for each of our Medicare D clients during the Annual Open Enrolment period which is between Oct. 15 to Dec. 7 of each year with the new plans starting Jan. 1
The most important this to remember is to see someone you can trust, licensed, Certified, and who has years of experience. Work with an agent who will be there year after year to help you with your problems. An agent who will do your Annual Review for you.
As a Certified Senior Advisor, I established an Office in Downtown Sterling in 1973. My office can handle your needs and concerns now and in the future without a charge to you. Thanks right!!! We never charge for a consultation.
Below you will find charts of sample Medicare Supplement rates for both BlueCross and BlueShield of Illinois and Mutual of Omaha. Please not that BlueCross does not have male and female rates and that Mutual of Omaha has a 7% household discount, an important benefit is you qualify.
Yes, I can write BlueCross and BlueShield Medicare Supplements on applicants up to age 100+. The rate for age 100 and Plan F is currently $339.00 per month.
Comparison of Plans and Costs for Those that Live Outside of the Chicago Area.
BlueCross BlueShield of Illinois
Remember, Plan N has an up to $20 co-pay for Dr. visits, $50 for Emergency Room visits plus you are responsible for the Part B deductible with is 2017 is $183.
After the deductible is paid we will begin paying the co-pay. See me for more details or an outline of coverage.
They do not have gender rates, height and weight charts, tobacco or no tobacco rates.
Everyone outside of the Chicago Metro area pays the same rates with no health questions ever.
Mutual of Omaha has good rates for both Plans F, and Plan G.
I recommend that all age 65 clients consider using these plans because of the excellent Midwest service you will receive.
Take note of the 7% discount that they will give for a two person household.
Mutual of Omaha
There is a 7% discount for each person in a 2-person household.
No requirement that you be of opposite sex, married, related or etc.
Just either be married of have lived together for the last 3 months.
You do not even have to apply together at the same time.
Note: As of August 2016 Mutual of Omaha does write Plan N and High Deductible F.