Welcome, at this site you will learn about Georgia Medicare and Georgia Medicare supplemental insurance. The goal here is to supply you with the information to choose a Medicare supplement plan that best fulfills your needs at the lowest price available.
|Is Medicare supplement Plan F right for you?
Just what is Georgia Medicare?
Georgia Medicare is merely Medicare operated within the state of Georgia. Medicare is the country’s health insurance program for those age 65 or older. Some people younger than age 65 can be entitled to Medicare when they have certain disabilities. The program helps pay for the cost of healthcare, but it will not cover all medical expenses or the cost of most long-term care.
When should I apply for Georgia Medicare?
For those that are not already getting retirement benefits it is best to contact Social Security around three months prior to your 65th birthday to sign up for Medicare. You can enroll in Medicare even if you do not want to retire at age 65. Click here to go to the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers a portion of your medical expenses after you have been admitted into a hospital, skilled nursing facility, hospice, and some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 daily for the days 61-90 hospital room and board, $578 per day after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 each day for skilled nursing facility for days 21-100 and all costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers part of your medical expenses for doctor services, some preventive services as well as other medical services and supplies which are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs of the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services including doctor service while as a hospital patient, 40% outpatient mental health care, any excess charges (some doctors may charge as much as 15% above what Medicare authorizes)
Although Medicare will cover a substantial portion of your Medical expenses there are many gaps left where you will pay. These gaps can certainly strain a person’s financial resources. A Georgia Medicare supplemental insurance policy can provide protection from most or all the Medicare gaps and they are very affordable for most people.
Georgia Medicare supplement insurance plans are provided by private insurance companies. The federal government has standardized all of these plans. This means all plans labelled by the same letter provide the exact same coverage regardless if you get your insurance from Gerber, AARP, United Health, Mutual of Omaha or some other insurance company. Nationwide three of the most popular plans are F, G, and N.
Georgia Medicare supplement plan F: This is the most popular and comprehensive plan. It covers all the gaps left in both Medicare Part A and Part B.
Georgia Medicare supplement plan G: This plan is almost the same as Medicare supplement plan F with the exception of not covering the yearly Medicare Part B deductible. For many people this is the best choice when you don’t mind paying the yearly deductible as opposed to the often higher monthly premiums for Medicare supplement plan F.
Georgia Medicare supplement plan N: Unlike Medicare supplement plan F this plan has some cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in return for lower monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while adding the flexibility and stability of a Medicare supplement. This plan also does not cover excess charges.
There are many different insurance companies offering Georgia Medicare supplement plans and the costs can vary quite a bit from company to company. Many who do not utilize the services of an independent agent wind up paying over 40-50% more for their insurance! It is a shame because getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.