The National Safety Council says the annual cost of injuries in the US is $753 billion. This includes medical costs, lost wages, and damages. Each year 1 in 8 people will receive medical care due to a non-fatal injury, and accidents are the cause of 33% of all ER visits. Workers comp does a good job of covering accidents at work, but 70% of accidents occur outside the workplace. While most people have Health Insurance, we have found that one of the biggest gaps in both Group and Individual policies, even with the new Health Care Reform, is the ER deductible and co-pay. You can obtain an affordable Accident Policy that helps with these costs for as little as 50 cents a day. Give us a call at 877-740-8683, or visit www.freedomfreequote.com , for a free quote today.
Category: Health Care Reform Act
I have Medicare, do I need to go to healthcare.gov?
All of our customers on Medicare Part A & B (or C) and possibly D are asking … “How is all this Obamacare gonna affect me?”
Well, no need to worry, you don’t need to do anything to your Medicare plan because it isn’t part of the healthcare.gov site. If you have Medicare, you are basically already covered.
No matter how you get Medicare, whether through Original Medicare with a Medicare Supplement, or through a Medicare Advantage plan, (like an HMO or PPO) you don’t have to make any changes.
If you want to shop around for a Medicare Supplement plan or Medicare Advantage plan, you will not be able to shop rates on the Marketplace (healthcare.gov) … just give us a call and we can help you with that part or go to www.eMedigap411.com
If you only have Medicare Part B, most people do not know this, but you are not considered to have minimum essential coverage. That means you would be subject to the penalty that people who don’t have coverage may have to pay.
If you only have Medicare Part A, you are considered covered, and of course if you have Part A and Part B you are covered.
One thing has changed and that is Medicare has expanded benefits for preventive care and drug coverage. They now have free preventive benefits, cancer screenings, and annual wellness visits. You can also save money while in the “donut hole” with discounts on brand-name prescriptions. (No the donut hole is not a place to eat! It is when your total drug costs reach a certain point while you are covered under a Medicare Part D Prescription drug plan.
If you are new to Medicare, here are some things to remember:
– Medicare’s Open Enrollment Period (October 15-December 7)
– To learn more about your Medicare options visit www.eMedigap411.com
If you have any family and friends who don’t have health insurance, or if they want to see what their subsidy amount might be, tell them to call us or visit www.healthreformenrollmentcenter.com
Medigap Plan G for the Future
For years we have beleived that Plan F was “the choice” for a Medicare Supplement, or Medigap, plan. There have been several changes in recent years, though, that have made the Plan G Medigap policy more attractive. When Modernized Medicare Supplement plans were introduced in June 2010, that made the coverage gap narrower between the Plan F and Plan G. Now, the only difference between the two plans is that with Plan G you are responsible for your Part B Deductible. In 2012, the Part B Deductible was $140, and in 2013 it is $147. It really makes sense to choose Plan G, if there is ever an annual price difference that is greater than the Part B Deductible. Another factor that is becoming more important is Guaranteed Issue. In a Guaranteed Issue situation, an unhealthy person, with pre-existing conditions, can purchase a Plan F Medicare Supplement, but would have to qualify for a Plan G. That means there are potentially more sick people, with higher claims, enrolled in the Plan F. That has caused many carriers to have steep rate increases for their Plan F policies, while keeping the Plan G premiums more stable. The Affordable Care Act also spawned a recent move to either impose cost sharing on plans that have 1st dollar coverage, like the Plan F, or to place a surcharge on these plans. While these changes haven’t happened yet, we have encouraged our current Plan F customers, to look at changing to a Plan G. If you have a current Plan F Medicare Supplement, and are in good health, you owe it to yourself to take a look at the Plan G. We consider it the wave of the future.
For more information, or a free, no obligation quote, please visit www.emedigap411.com , or call 877-740-8683, to speak to a licensed agent.