Welcome, here you will learn about Mississippi Medicare and Mississippi Medicare supplemental insurance. The goal here is to supply the information needed to choose a Medicare supplement plan that best fulfills your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What exactly is Mississippi Medicare?
Mississippi Medicare is simply Medicare operated within the state of Mississippi. Medicare is the country’s health insurance program for those age 65 or older. Some people younger than age 65 can get Medicare if they have specific disabilities. Medicare helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.
When do I need to sign up for Mississippi Medicare?
For those that are not already receiving retirement benefits you should contact Social Security around three months before your 65th birthday to sign up for Medicare. You may sign up for Medicare even when you do not want 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 once you have been admitted into a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not per year) deductible for Medicare Part A of $1156, $289 per day 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 per day for skilled nursing facility for days 21-100 and all of costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical expenses for doctor services, some preventive services and various medical services and supplies that 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 for 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 healthcare, any excess charges (some doctors may charge as much as 15% above what Medicare authorizes)
Even though Medicare covers a substantial percentage of your Medical expenses there are many gaps left for you to pay. These gaps can certainly deplete a person’s financial resources. A Mississippi Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very reasonably priced for most people.
Mississippi Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized all of these plans. This means all plans identified by the same letter provide identical coverage regardless if you purchase your insurance from AARP, Blue Cross, Loyal American, Mutual of Omaha or any other insurance company. Nationwide three of the most popular plans are F, G, and N.
Mississippi 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.
Mississippi 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 smartest choice when you don’t mind paying the yearly deductible as opposed to the often higher monthly premiums for Medicare supplement plan F.
Mississippi Medicare supplement plan N: Unlike Medicare supplement plan F this plan contains a bit of cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in exchange for less expensive monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while adding the flexibility and security of a Medicare supplement plan. This plan also does not cover excess charges.
There are many different insurance companies selling Mississippi Medicare supplement plans and the rates can vary greatly from company to company. Many people who do not utilize the services of an independent agent end up paying over 40-50% more for their insurance! It is a shame especially when 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.