Welcome, here you will learn about Idaho Medicare and Idaho Medicare supplemental insurance. The goal here is to supply the information needed to purchase a Medicare supplement plan that best meets your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What is Idaho Medicare?
Idaho Medicare is simply Medicare operated in the state of Idaho. Medicare is our country’s health insurance program for everyone age 65 or older. Some people younger than age 65 can be entitled to Medicare when they have specific 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 Idaho Medicare?
If you are not currently receiving retirement benefits you will want to contact Social Security around three months before your 65th birthday to sign up for Medicare. It is possible to sign up for Medicare even when you do not intend to retire at 65. Click here to visit 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, plus some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 per day for days 61-90 hospital room and board, $578 daily after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 daily for skilled nursing facility for days 21-100 and all of costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers part of your medical expenses for doctor services, some preventive services and various 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 to include doctor service while as a hospital patient, 40% outpatient mental health care, any excess charges (some doctors charge up to 15% above what Medicare authorizes)
Even though Medicare will cover a large portion of your Medical expenses there are lots of gaps left for you to pay. These gaps can easily strain a person’s financial resources. A Idaho Medicare supplemental insurance policy can fill in most or all the gaps in Medicare and they are very reasonably priced for most people.
Idaho Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized these plans. This means that all plans identified by the same letter provide the exact same coverage regardless if you obtain your insurance from Family Life, Mutual of Omaha, AARP, Blue Cross or any other insurance company. Nationwide three of the most popular plans are F, G, and N.
Idaho 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.
Idaho Medicare supplement plan G: This plan is just like Medicare supplement plan F except for not paying the annual Medicare Part B deductible. For many this plan is often the best option when you don’t mind paying the yearly deductible instead of the often higher monthly premiums for Medicare supplement plan F.
Idaho Medicare supplement plan N: Unlike Medicare supplement plan F this plan has got some cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in return for reduced monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while still giving you the flexibility and security of a Medicare supplement plan. This plan also does not cover excess charges.
There are many insurance companies offering Idaho 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 a month for 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.