Medicare and Medicare supplements

Medicare and Medicare supplements Are senior health insurance plans that are available to people age 65 and older or people who have been on Social Security disability for 24 months, or have certain medical conditions that may qualify them. Many people have a misconception that Medicare is free and that it covers all your medical bills, with no cost to the individual on Medicare. Unfortunately, this is not correct. There are premiums and coinsurance that are not covered by Medicare. They are the Medicare beneficiaries responsibility.

Medicare has several different parts; A, B, C, D and F and while A, B and C may have zero monthly premiums in certain situations, they are not free. Medicare A is paid out of your payroll deductions or your spouses. Medicare part B may be paid by Medicaid cost sharing for low income individuals, or you would pay a monthly premium, and Medicare part C may be subsidized by the government with certain plans.

Get the help you need!

Medicare is, as with most health insurance, very complicated and confusing to most people. Fortunately you don’t have to learn it all on your own, It is best to have an insurance advisor assist you with your questions, and help you in enroll in a plan that will be the most benificial to your needs and affordability.

Because insurance advisors go through annual training and are licensed by the states, they are able to educate people on Medicare and to write Medicare supplement plans, Medicare Advantage and Medicare prescription drug plans. There are SHIP programs available to assist people but ther advisors are not licensed, and are just volunteer workers, so they are not the best option available.

There is no additional cost to work with an insurance agent, they get paid by the insurance carriers when they enroll someone in a plan, and the cost is the same, whether you use an agent, enroll online or over the phone. Make an appointment with an agent today, if you want to make sure you are making the right choice for your Medicare insurance plans.

 

Do you know what Medicare covers?

We provide a free Medicare Supplement PowerPoint presentation to explain what you need to know about Medicare!

Our presentation covers:

Our Products and Services

We are focused on educating our clients on senior health insurance so they can make an informed decision on their coverage. We will provide affordable and comprehensive solutions to fit your goals and objectives.

‘‘We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.’’

Medicare Supplements

Jas-Insurance Group provides years of experience in the Medicare supplement field, offering advice to seniors at no additional cost. Whether you purchase insurance directly from a carrier or one of our agents there is no difference in the premium. We give you piece of mind knowing you have an adviser to help you find the plan that works best for you today and in the years to come.

Medicare Supplements

Medicare Benefits 2023

HOSPITALIZATION BENEFIT

FIRST 60 DAYS                  ALL BUT $1600.00 / PER 60 DAYS PERIOD

61ST-90TH                      ALL BUT $400.00 / PER DAY

91ST-150*                      ALL BUT $800.00 / PER DAY

BEYOND 150  DAYS         NOTHING

POST HOSPITAL SKILLED NURSING FACILITY CARE

FIRST 20 DAYS                 100% OF MEDICARE APPROVED AMOUNT

ADDITIONAL 80 DAYS    ALL BUT $200.00 / PER DAY

BEYOND 100 DAYS            NOTHING

PART B COST AND BENEFITS

MEDICARE PART B PREMIUM $164.90

MEDICARE PART B DEDUCTIBLE $226.00

OUT OF POCKET MAXIMUM FOR PLAN K AND L

$6,620.00 AND $3,310.00 RESPECTIVELY

2021 PLAN G HIGH DEDUCTIBLE ANNUAL RATE $2490.00

* LIFETIME RESERVE DAYS

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