MEDICARE
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OPEN ENROLLMENT - October 15 - December 7
BUY WITH A LOCAL AGENT!!! (Why trust anyone else with your private info???)
We can help you with Advantage Plans, Supplements and Part D (RX coverage)
We sell all product types and have every major company including:
United Healthcare
Humana
Devoted
Anthem
Cigna
Aetna
Clear Springs
Mutual of Omaha
and more!
Here is an easy way to compare between an Advantage Plan and a Supplement!
COMPARE:
ADVANTAGE vs SUPPLEMENT (The WAR is on!)
My Client STATS: 56% of my clients have a Supplement
44% of my clients have an Advantage Plan
Turning 65 clients 57% of my clients choose Supplement
43% of my clients choose Advantage
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Dozens and dozens of households are split (1 takes a supplement and 1 takes an Advantage)
MOST agents push either Advantage or Supplement.
I am proud of the fact that I help clients understand the benefits AND the detriments of each plan. Allowing my CLIENT to choose what is best!
First, the specifics…
NO Advantage plan has everything… if strong with some things, will be weaker in others.$1000 to $4000 depending on plan
Supplement Plan G VS Advantage Plan
$0 doctor co-pays $0 doctor co-pays
$226 annual deductible for doctors No deductibles
Any doctor that takes Medicare (no network) varies… HMO network ONLY
PPO higher out of pocket to go out of network
Any hospital Any hospital in emergency / network otherwise
No co-pays for hospital/surgery Co-pays vary greatly…
$150-$400 a day for 4 – 6 days
A couple plans are offering Fitness club ALL plans offer Fitness club
No Dental DENTAL is now included with most plans!!!
= $1000 to $4000 depending on plan
No extra benefits $40 - $100 a quarter for Over-the-counter items
Vision from $100 - $400 a year
Transportation to doctors
Routine Acupuncture
Naturopath benefits
Part D is separate and extra $ Part D is included within plan (usually)
$500 deductible with most Part D many have low or $0 RX deductible
Set cost each year (premium plus deductible) Can be $0 up to a maximum (3200 - 4500 - 7500)
PREMIUM ($1300 - $3600) $0 (no premium)
BE PAID to have a plan (up to $103 a month in 2023!)
BEST FOR: BEST FOR:
-Those who want “no hassle” for medical -Those who want value
-Those who like having total choice -Need the lower cost or can’t afford the supplement
Whats most important to you??
CHOICE/EASY MONEY
Here is another way to compare:
Medicare Options:
Part A – Hospital Coverage (free)
Part B – Medical (Doctor) Coverage ($164.50+ per month)
*** Lots of gaps (deductibles and co-pays with parts A and B) ***
Biggest issue with Medicare… NO Maximum out of Pocket (no stop loss):
Examples:
1. Hospital stay of over 2 months (??? $30,000+ a MONTH to you)
2. Major Surgery or anything Part B including chemo, radiology, dialysis ($8,000+ per month to you)
3. No coverage for Long Term Care. Maximum is 20 days in a rehab after certain criteria met.
Then 80 days of co-pays ($12,000+ to you).
2 choices
Medicare supplement Medicare Advantage
(Medigap coverage) (Part C)
Plans A- N Maximum Out of Pocket - $3,200-$4,500-$7,500
(2 high deductible plans)
(No plan F for new to Medicare) PPO’s HMO’s
Plan “G” is the “Cadillac” plan Co-pays for specialists/ hospitals
TOTAL choice Co-pays for dialysis /rehab/ chemo
NO co-pays
1 ANNUAL doctor deductible LIMITED coverage on nursing/rehab 100 days
NO other out of pocket
($226 annual deductible) Specific Group “Local” area (network or out) (Network only)
No bills except the first $226 doctor a year NO primary doctor Primary Doctor
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Some PPO’s are nationwide
Plan G is same cost each month no matter
the illness – (except $226 a year) * Both include Part D in the plan (unless don’t want)
EXTRA Benefits include- (all have gym club inc)
Dental - $1000 + comprehensive
Over The Counter giveaways ($200 - $400)
Vision / Acupuncture / Misc healthy living
COST = Varies on age, zip code, gender, etc... COST = Most plans we sell are $0 (still must pay the Part B)
(We will give you exact quotes)
PART D- Prescription Coverage