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At first glance Medicare insurance may seem a bit confusing and maybe even a bit intimidating. Whether you are new to Medicare or just weren’t quite aware of the different aspects of Medicare insurance in Nevada, we are here to help.

Let’s first take a look at the basic parts of Nevada Medicare:

1. Part A (Hospital Insurance) – helps cover your inpatient care in hospitals, skilled nursing facilities, hospice care, and some home health care if you meet certain conditions.
2. Part B (Medical Insurance) – helps cover medically-necessary services like doctor’s services and outpatient care, other medical services that Part A doesn’t cover such as physical and occupational therapists, and some home health. Part B also helps cover some preventive services to help maintain your health and to keep certain illnesses from getting worse.
3. Part C ( Medicare Advantage Plans) – private insurers like HMOs and PPOs provide Part A, Part B, and, sometimes, Part D coverage to people who enroll.
4. Part D ( Medicare prescription drug coverage) – Remember this, D stands for Drugs – Part D helps cover the cost of prescription drug costs.

Most people on Medicare will choose either Nevada Medigap plan coupled with a Part D plan or choose a Medicare Advantage Plan (also known as Part C).

Now that we have clarified the Medicare alphabet let’s begin to take a look at Original Medicare and what it does for you.

Original Medicare

Original Medicare refers to your health insurance. As there are many different aspects to your Medicare let’s first take a look at Part A and Part B of Original Medicare.

Am I eligible for Part A and Part B of Orginal Medicare?

One may become entitled to Medicare Part A because of his or her age (usually 65), disability, or End Stage Renal Disease. The Medicare Part A Entitlement is automatic if the individual has already applied to receive monthly retirement benefits from Social Security or the Railroad Retirement Board. Otherwise, the individual must be file an application to receive Part A benefits.

In general you pay a monthly premium for your Part B insurance of Original Medicareof $99.90 in 2012. Based on your monthly income your premium may be higher or lower. For those that qualify for extra help your Part B insurance may be partially of fully subsidized.

To make it simple, Part A pays for your hospital and Part B pays for your Medical (Doctors).

Because Original Medicare leaves you with gaps in coverage we highly recommend a Nevada Medicare Supplement or Medicare Plan.

Nevada Medicare Supplements

What does a Nevada Medicare Supplement (Medigap) Plan do for me?

A Nevada Medicare supplement plan is plan that is generally designed to cover the gaps that Medicare does not cover such as co payments and co insurance.   This plan may be referred to as a Medigap plan.  The advantage of a Nevada Medicare supplement plan over a Nevada Medicare advantage plan is that there are no net works, no referrals, and generally no deductibles or co insurance to worry about. With a Medigap plan in Nevada you have the freedom to choose any doctor or any hospital you like as long as they accept Original Medicare.   Keep in mind when choosing a Medicare  supplement plan, all plans are standardized and offer the same coverage.  What will vary is the premium.  An example would be shopping for the same car and 3 different dealerships.  Most likely you will find that same car with three different prices.  My job is to shop different insurance carriers in Nevada to help you find the best rate for your Medicare Supplement plan.  Your premium may vary by the zip code you live in.  The lowest priced plan with one company in Reno, NV may be the highest priced plan in Las Vagas, NV.  To find out what is the best priced plan in your area and to start the process please call me at            1-800-779-0128      .

Every Medicare Supplement insurance policy in Nevada must follow Federal and state laws designed to protect you and the policy must be clearly identified as Medicare Supplement Insurance. Medigap insurance companies in Nevada and in most states can only sell you a standardized Medigap policy identified by letters A through N.  The most popular plan is Plan F.  Generally speaking this plan will cover the 20% that Medicare does not cover.  Plan F would be considered to be the Cadillac plan of Medicare supplements.  This may not always be the best option or most cost effective for you as other Medicare supplements may offer almost the same coverage at a reduced premium.  Typical plans that I recommend are Plan F, G or D.  Call             1-800-779-0128       to discuss which plan my be best for you.

Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company.

As an independent agent I WORK FOR YOU, not the insurance carrier.  Because of this I am able to shop top rated Medicare supplement carriers to find you the best bang for you buck.  Some of the top rated carriers I represent are:

• Gerber
• Sentinel Security Life
• Mutual of Omaha
• Forethought
• Family Life
• Anthem

 

A Medicare supplement plan in Nevada will not cover your prescription drugs.  Most people that choose a Medicare supplement plan will also purchase a Part D Prescription Drug Plan to help out with their prescriptions.  I offer a free Part D analysis for Medicare supplement clients.  For more information call me at             1-800-779-0128      .

For additional information on Medigap policies, including why you would want to buy a Medigap policy and information about what Medigap policies cover, read this publication,Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (pdf). Additionally visit http://www.medicare.gov for additional information.  All Medicare Supplements (Medigap) in Nevada have been standardized by the federal government since 1992. According the publication “Choosing a Medigap Policy“.

Most agents do not specialize in Medicare supplement policies.  Fortunately you have come to the right place as I have over 7 years experience helping seniors decide which Medicare supplement policy is best for them.  Call me today at 1-800-779-0128

Let’s take a closer look at some the top rated carriers in Nevada.

Gerber Life

Gerber Life has offered quality insurance products since 1967. Today Gerber Life is licensed to provide life insurance throughout the United States, Canada and Puerto Rico. Gerber Life more than $37 billion of life insurance in force, and help provide financial security to over 3 million policies. Gerber Life is an A rated company by A.M. Best.

Sentinel Security Life

Sentinel Security Life has been providing quality insurance products to seniors for over 60 years. In 1948, Sentinel Security Life was started by a group of Utah funeral directors with the propose of providing an insurance product to help pay for funeral costs at that time of need. There are six Standard Medicare Supplement plans from which to select the coverage that best meets your needs. The six plans are A, B, C, D, F and N. (Not all plans are available in all states.) Sentinel Security Life is rated B++ by A.M. Best.

The easiest way to enroll with Sentinel Security Life Medicare Supplement in Nevadais call us direct at 1-800-779-0128 .  As long as you have access to an email address we can complete this application over the phone.  If you would like click on the application below, print, and call us.  We will guide you through the application.  Mail to address down at the bottom of the page.

Sentinel Security Life Nevada Medicare Supplement Application 2012

Sentinel Security Life Nevada Medicare Supplement Outline of Coverage 2012

 

Family Life

Family Life is part of the Manhattan Insurance Group. Family Life was founded in 1949 specializing in mortgage protection. Family Life offers 8 standardized medicare supplement plans that will allow you to find a plan that meets your budget. Family Life holds a B+ rating by A.M. Best.

Mutual of Omaha

Mutual of Omaha has over 100 years of experience. Mutual of Omaha boasts a strong capital position and disciplined investment strategy. Mutual of Omaha has a A+ rating by A.M. Best.

Forethought

Forethought Financial Group, Inc. (“Forethought”) is a diversified financial services organization dedicated to providing innovative financial solutions for those planning for retirement and end-of-life needs. Headquartered in Houston, with insurance operations in Indiana, Forethought’s ongoing success is underpinned by strong financial performance and a proven reputation for honoring its commitments.

In business since 1985, Forethought established its foundation in the preneed life insurance sector where we possess a commanding market share. Since then, we have expanded our offerings to include annuities, life insurance and other financial products that are offered via a diverse range of distribution channels.

While Forethought’s product line is multifaceted, the common thread is a commitment to delivering enduring financial solutions for those seeking to plan for their own financial future, or to reduce the burden of loss for loved ones.

In a time when large parts of the insurance and financial services sectors face an uncertain future, Forethought has never been stronger or in a better position for growth. With a solid foundation of financial stability, a 25-year track record of proven integrity, and a growing line of high-value products, Forethought is focused on delivering – for customers, distribution partners and shareholders.

 Anthem

At Anthem Blue Cross and Blue Shield, you have a choice of Medicare Supplement, Medicare Advantage or Part D plans. The services you get go beyond the norm. You can access preventive care and prescription savings, as well as exercise programs that fit your lifestyle. And, you can always count on our customer care advocates for help. That’s what they do best: Help make each step simple and easier for you.

Service is a proud tradition of a company that has earned the trust of generations.

At Anthem Blue Cross and Blue Shield we understand our health connects us to each other. What we all do impacts those around us. So Anthem is dedicated to delivering better care to our members, providing greater value to our customers and helping improve the health of our communities.

Anthem Blue Cross and Blue Shield is the trade name of: In Colorado and Nevada: Rocky Mountain Hospital and Medical Service, Inc. In Connecticut: Anthem Health Plans, Inc. In Georgia:  Blue Cross and Blue Shield of Georgia, Inc. and Blue Cross Blue Shield Healthcare Plan of Georgia, Inc.   In Indiana: Anthem Insurance Companies, Inc.  In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of  Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits.  In New Hampshire:  Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company.  In Virginia:  Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield. The service area for Anthem Blue Cross and Blue Shield and its affiliated HMO HealthKeepers, Inc. is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (“BCBSWi”) which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Compcare Health Services Insurance Corporation (“Compcare”) underwrites or administers the HMO policies; and Compcare and BCBSWi collectively underwrite or administer the POS policies. Independent licensees of the Blue Cross Blue Shield Association.

Nevada Medicare Advantage

Medicare Advantage can be a very good option in Nevada.  Medicare Advantageplans typically offer low or zero monthly premiums as well as plans that can include your Part D or prescription drug coverage. Different types of Medicare Advantage Plans include PFFS (Private Fee-For-Service), PPO (Preferred Provider Organization) as well as HMO (Health Maintenance Organization). Depending on which plan is in your service area (which county you reside in) and what type of freedom you are looking for when it comes to see your Dr.s and or hospitals are some of the determining factors as to which type of plan might be best for your needs. Most plans offer more benefits then Original Medicare such as dental, vision, and possibly a gym membership. To find a plan in your area call            1-800-779-0128      .

Humana

Humana Inc. was established in 1961 in Louisville, KY as a nursing home facility then known as Extendicare. Today Humana Inc. is a Fortune 100 company that markets and administers health care. In 2006, Humana launched an education campaign to market Medicare Advantage (MA) and Prescription Drug Plans (PDP) nationwide to Medicare eligible consumers, following the passage of the Medicare modernization act. Humana offers PFFS (Private Fee-For-Service), PPO (Preferred Provider Organization) as well as HMO (Health Maintenance Organization) plans. To find out more about a Humana Medicare Advantage Plan in Nevada call             1-800-779-0128      .

AARP/United Health Care/Secure Horizons

The family of UnitedHealthcare® Medicare Solutions plans includes Medicare Advantage Plans featuring UnitedHealthcare® or AARP® brand names. Many preventive services are covered, including a yearly routine physical, for a $0 copay . All plans include worldwide coverage for emergency care plus an annual out-of-pocket maximum to help you budget for your health care costs. Most have prescription drug coverage. Many have no additional monthly premium beyond what you pay for Part B.

Making the right Medicare Choice

Making the right choice for you depends on a number of different factors. Some of the questions to ask yourself are:

1. What plans are available in my area?

2. Do I need an agent to help decide what plan is best for me?

3. Do I want a Medicare Supplement or a Medicare Advantage Plan?

4. Which PDP (Prescription Drug Plan) is best for me based on the medications I am currently taking?

5. Do I currently have a Nevada Medicare Supplement (Medigap) plan that had a significant premium increase?

Although the ultimate decision comes down to what you want, it is our goal to educate you on the different Medicare Choices available to you. We WORK FOR YOU and not any one insurance company. We treat you right today so you don’t have to worry about tomorrow. Call 1-800-779-0128.

Email: brian@sunsetfinancial.net

Fax: 1-888-860-8085

 

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