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Diabetes and Medicare Advantage

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Differences between Original Medicare vs. Medicare Advantage

If I have diabetes, should I choose Original Medicare or Medicare Advantage?

The answer to this question depends on how important individualized care is to you.

Medicare Advantage plans are typically bundled, all-in-one plans that are made as a ‘one size fits all’, with a prescription drug plan included.

However, Original Medicare is set up for you to choose a supplement plan along with a prescription drug plan tailored to your individual needs.

The American Journal of Managed Care published a study pertaining to the difference in treatment of diabetes between Original Medicare and Medicare Advantage.

In the study, they concluded that in order to achieve savings, Medicare Advantage enrollees are more likely to be treated with cheaper medications, such as Metformin and Sulfonylureas, rather than receive costly, newer medications, compared to Original Medicare. This means Original Medicare affords you the opportunity to have the drugs that might best suit you.

In this video, we review the study and explain some of the differences between Original Medicare and Medicare Advantage. We also discuss why this decision is so important if you or someone you know has diabetes and are searching for the best plan.

If you would like help finding the best Medicare plan for you, please reach out. Our help is 100% FREE to you.

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Does the Mayo Clinic Accept Medicare Supplement Plans?

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Can you use your Medicare Supplement plan at the Mayo Clinic? Yes.
Depending on which Medicare Supplement plan letter you have, you may or may not be responsible for paying “Excess Charges”.

As of 2020, Mayo Clinic in Florida accepts full Medicare Assignment.
This means that they will not bill Excess Charges. Those on Medicare Supplement Plan N will not see an additional bill for Excess Charges when visiting the Mayo Clinic in Florida.

The Arizona Mayo Clinic facility does not (yet) accept Medicare Assignment, so those on Plan N might see an Excess Charge billed from Mayo in Arizona.

Medicare Supplement plans only supplement what is APPROVED by original Medicare. If Medicare approves the procedure and pays their 80%, the Supplement plan, also known as Medigap, will fill in the remaining portion, subject to your deductible and possible co-payment, depending again on which Medicare Supplement plan letter you signed up for.

In this video, we go over the details of how Medicare and Medicare Supplements are accepted at the Mayo Clinic. Also, for those on a Medicare Advantage plan, you must look very closely at your plan and communicate with Mayo on it, as these private plans are most often not accepted at centers of excellence like the Mayo Clinic.

See the video:

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GE Retiree Options Outside the “Exchange” Save Money

Medicare Supplement /

GE employees should get a second opinion because they can save up to $1,000 per person, per year, starting in year ONE.

See the video:


Can you buy a Medicare plan outside the exchange? Yes.

As long as you buy at least the drug plan OR the Medicare plan through the exchange, you WILL get the reimbursement money.

When this same thing happened to AT&T retirees in 2014, we successfully helped them save, collectively, millions of dollars that would have otherwise gone to the most expensive insurers in their markets. They used those savings for other policies and as a cushion against future rate increases.

All they had to do was purchase the Part D drug plan through the exchange, and then entire reimbursement money was there to pay both premiums.

We provide a second opinion, and independent review of ALL of the plans available to you.
If you prefer to work with the exchange, a huge call center where you are likely to get a different new-hire every time you call in, you certainly can. If you want the benefit of 20 years of experience and true independence, call us for that second opinion.

You can call us 24 hours a day at 1-800-729-9590

If we're not in the office, please leave your information on our phone so that we can call you first the next morning.

 

 

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Go from Medicare Advantage to Medicare Supplement

North Carolina Medicare Plans

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Seniors in North Carolina are facing more challenges with regard to Medicare Advantage plans.

Many are finding that Medicare Supplement (Medigap) is a far better way to go than the ever-shifting sands of Medicare Advantage, as shown in a recent story by the Charlotte Observer, which showed that over 57,000 North Carolina seniors are losing their Medicare Advantage plans in 2015.

Seniors on Medicare Supplement plans are guaranteed renewable, with the same benefits they signed for, for life. The benefits on Medigap plans cannot be changed, and this means stability.

Seniors who are 75, 80, 85 years old should not have to compare nuances of changing co-payments, doctor networks, and new requirements that are constantly changing on Medicare Advantage plans each time the one-year contract expire.

Seniors looking for a second opinion on their Medicare plans should call the Senior Savings Network at 1-800-729-9590.

Here is the article from the Charlotte Observer:
Turmoil in Medicare Advantage hits NC seniors hard.

North Carolina Medicare Plans Read More »

What does Medicare cover on Cancer?

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Medicare Advantage Plans are often Restrictive on Cancer Treatment

Be sure to check the Medicare Advantage coverage on chemotherapy. Often, it is only of the cost. 

That's no better than just being on Medicare, because Medicare Part B already covers just 80% of the cost of chemo.

A Medicare SUPPLEMENT, however, is different than Medicare Advantage. The Medicare Supplement fully covers cancer and cancer treatments.

All of the Medicare Supplement plans are standardized. There are no hidden tricks or small print. They're accepted by every doctor that accepts Medicare.

See also:

SeniorSavingsNetwork.org helps seniors find the best Medicare Supplement plan by shopping the entire market.

We shop the market for the best Medicare Supplement rates in the market. We know the companies, the plans, and the best way to get the best rates.

Call us at 1-800-729-9590

Let us go to work for you. Our Medicare Supplement quoting service and help is free.

What does Medicare cover on Cancer? Read More »

Mount Pleasant Medicare Insurance | Medicare Insurance in Mt. Pleasant, SC

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Are you looking for Medicare Insurance in Mount Pleasant, SC?

Then you have come to the right place. We specialize in the Mt. Pleasant marketplace for Medicare benefits.

SeniorSavingsNetwork.org is your one stop shop for medicare insurance quotes and agents. Whether you live in Mt. Pleasant, Hilton Head, Bluffton, Sun City, Summerville, Ladson, Ridgeville, North Charleston or elsewhere in South Carolina our agents can help you find and purchase that perfect insurance policy.

We are completely independent and can give you honest advice on the entire market, not just one company. We often save clients up to $100 per month on the same Medicare benefits, just by shopping the market for our clients.

Contact us at 1-800-729-9590 for a free, independent quote on your Medicare Supplement plan.

Mount Pleasant Medicare Insurance

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What is the Cheapest Medicare Supplement Policy?

Medicare Supplement /

Many seniors and those just turning 65 often ask the question, “What is the cheapest Medicare supplement policy?”

This question of finding the best Medicare supplement policy is a great one and has a different answer based on a number of factors. Let's look at a few of these factors.

Where you live, and your current age and any chronic conditions you may have will factor in to whether or not you can get the lowest possible price. Having an independent Medicare Supplement agent working for you can potentially save you thousands of dollars each year.

Many seniors join a Medicare supplement plan when they turn 65 and never again worry about changing companies or checking the market to see if there is a better price. This is when an independent agent can really pay off. By shopping the entire marketplace, you will soon learn that the cheapest Medicare Supplement policy is often the exact same benefit plan you have (Plan F, for instance) but as much as $100 per month cheaper.

Why is this? Because different insurance companies may charge different rates for the same, exact policy. That is a quote from the Medicare & You guidebook, and the Medicare program wants you to know that a Plan F is a Plan F, regardless of how much you're paying for it. The cheapest Medicare supplement plan does not mean lower quality, as it is the same, exact coverage.

With an independent Medicare agent working for you, you have the opportunity to shop the entire market without costing you a dime. The services are absolutely free, as the commissions are paid by the insurance companies. If you would like a free analysis of the cheapest Medicare plans in your area, call the Senior Savings Network at 1-800-729-9590. We would be happy to help you in your search. Our service is free.

What is the Cheapest Medicare Supplement Policy? Read More »

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