medical & long term care insurance
Medicare Health Plans - Short Term Medical
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Employers and individuals in New London County & Eastern Conn:

Your source for insights and information from a health insurance professional:

  • On CT's medical insurance plans!
  • To gain a better understanding of MediCare & MediCare Health Plans!

You can gain a healthier lifestyle by getting involved in any medical treatment!

Medical procedure costs vary from one provider to another. Thus, its important to understand the cost of suggested treatment since many medical plans have a high deductible. Costs can be found by entering your zip code here. Then select the category for your medical situation and you will see the cost of some providers.

     Note: Even if only a few providers are shown you will find a cost to talk about. For example: I found it would cost $_____ for the ______ and would like to know what your cost will be?

 

 

eMail health related insurance questions to .

Medical treatment resources and info on insurance costs.

Resources to help make treatment decisions and learn more about why medical insurance is expensive can be found on this page.

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A look at MediCare:

  

Social Security (SS) is responsible for enrollment in MediCare but it's not automatic! The most effective and easy way to enroll when turning 65 or later is to meet with a retirement person at your Local SS office. Why not just call SS's 800#? Surveys report people have received incorrect information!

When you call the Local office they may suggest completing the enrollment while you are on the phone - suggest saying you are not signing up for SS and want an appointment to understand options to pay your share of Part B.

        Note: If have been working and over 65 ask, at appointment, for the special form to avoid Part B's late enrollment penalty. Your employer completes and signs.

Having to pay 20% of the amount MediCare approved for outpatient treatment or procedures can be a big expense! To avoid this Big Risk its important to buy a Medicare Health Plan. Either a:

Medicare Supplement You can receive medical treatment from any provider in any state who accepts MediCare's payment. Supplements are purchased from private companies and are often called MediGap plans. Some points:

  • They have "lettered' names". A has basic coverage. B, C, etc. have more. Coverage from any company in a same letter plan is identical. However, the monthly cost can vary considerably.
  •  Supplement N from one company is over $100 a month lower than their full coverage F. Why? A person with Plan N pays Part B's annual deductible [$183 for 2018], a $20 co-pay for office visits, and a $50 co-pay if any emergency room visits.
  • The High Deductible Supplement has the same coverage as Plan F but before any medical treatment is paid there is an annual deductible. ($2,250 for 2018). Thus, persons monthly cost is lower.
  • 9 out of 10 people are happy with their Medicare Supplements.

      What about prescriptions? Medications purchased at a local pharmacy are not covered under MediCare's Part A or Part B and thus not by Supplement Plans. MediCare's Part D a Prescription Drug Plan (PDP) provides this coverage. Its voluntary but a penalty is applied for each month a person did not enroll. The penalty is waived if a person had "credible" prescription coverage such as through an employer.

Medicare Advantage (MA) A person use the companies network of providers  for any treatment and pays co-pays or cost sharing   its MediCare's Part C. MA Plans are of interest to many. Some points:

  • They provide the same coverage as original MediCare plus a full physical each year and often additional benefits. A persons costs are capped by the plan's Maximum Out of Pocket (MOP) provision.
  • Plans are purchased from private companies and availability is based on the County you live in.
  • Each company has a yearly contract with MediCare and is paid a fixed monthly payment for each person who enrolls. Individuals (usually) pay the company a monthly cost, which varies, based on the amount of the plan's cost sharing.
  • Most MA plans include a Part D plan for prescription expenses which makes them a MAPD plan. The monthly cost for many MAPD options is more economical than buying a MediGap plan plus a Part D plan.

New MediCare ID cards: To protect an individual's SS number they will receive a new ID card beginning in April 2018. The new ID has 4 unique alpha & numeric characters, a space, 3 more, a space, and 4 more. A picture of the new card is on this site with details on the conversion project. It is anticipated individuals in CT will begin to receive new cards in July. Everyone on MediCare will have a new card by April 2019.

Want to increase understanding of how a Medicare Supplement in Connecticut or a Medicare Advantage in Connecticut will work?

  • Call my Google Voice # today or send a Text (860) 451-9793 to set up a time. (no cost to you)

Interested in Dental coverage & you live in CT?

Oral Health is very important since check ups can detect many health risks. Plans also cover fillings and major services. All ages can enroll in :

  • One plan with up to $1,000 in benefits each year for about $50 a month.
  • A second has up to $2,000 in benefits for about $60 a month.
  • Using one of the many Dentists in the Ameritas network saves up to 30% which means your annual benefit amount goes further. Dependents under 19 have Orthodontic coverage!
  • Want more info on these plans?  Enter your CT zip code, then select Dental in the box below, then who is to be covered, and the date coverage is to start. The next page shows the monthly cost and a link to view coverage Details.
  • Call my Google Voice # today or send a Text (860) 451-9793 if questions about this Dental plan or its optional Vision coverage.

Interested in coverage for a short time?

Short Term Medical (STM) plans help pay for unexpected eligible illness or injury treatments.

  • What are they for? coverage for eligible medical situations until able to enroll in a qualified Individual or Employer plan.

Questions on short term plans? Send a note to - John@Parker.agency

 
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