Welcome, here you can learn about Missouri Medicare and Missouri Medicare supplemental insurance. The goal here is to provide you with the knowledge 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?
So what is Missouri Medicare?
Missouri Medicare is merely Medicare operated inside the state of Missouri. Medicare is the country’s health insurance program for folks age 65 or older. Some people younger than age 65 can get Medicare when they have certain disabilities. The program helps with the cost of healthcare, but it will not cover all medical expenses as well as the cost of most long-term care.
When should I apply for Missouri Medicare?
If you are not already getting retirement benefits you should contact Social Security about three months before your 65th birthday to sign up for Medicare. You can sign up for Medicare even when you do not intend to retire at 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, plus some home health care.
You pay (2012): The per incident period (not per year) deductible for Medicare Part A of $1156, $289 each day for the 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 per day 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 as well as other 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 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 charge up to 15% above what Medicare authorizes)
Even though Medicare covers a large part 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 Missouri Medicare supplemental insurance policy can provide protection from most or all the Medicare gaps and they are very affordable for most people.
Missouri Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized all of these plans. Which means all plans labelled by the same letter provide identical coverage regardless of whether 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.
Missouri Medicare supplement plan F: This is easily the most common and comprehensive plan. It covers all the gaps left in both Medicare Part A and Part B.
Missouri Medicare supplement plan G: This plan is just like Medicare supplement plan F with the exception of not covering the annual Medicare Part B deductible. For many people this is often the best option if you don’t mind paying the yearly deductible as opposed to the often higher monthly premiums for Medicare supplement plan F.
Missouri Medicare supplement plan N: Unlike Medicare supplement plan F this plan has 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 freedom and security of a Medicare supplement plan. This plan also does not cover excess charges.
There are many different insurance companies offering Missouri Medicare supplement plans and the prices can vary quite a bit from company to company. Many who do not utilize the services of an independent agent end up paying over 40-50% more for 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.