Welcome, here you will learn about Ohio Medicare and Ohio Medicare supplemental insurance. The goal here is to provide you with the information needed to purchase a Medicare supplement plan that best fulfills your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What is Ohio Medicare?
Ohio Medicare is merely Medicare operated inside the state of Ohio. Medicare is the country’s health insurance program for those age 65 or older. Some people younger than age 65 can qualify for Medicare when they have certain disabilities. Medicare helps pay for the cost of healthcare, but it fails to cover all medical expenses as well as the cost of most long-term care.
When should you apply for Ohio Medicare?
If you are not currently getting retirement benefits you will want to contact Social Security about three months before your 65th birthday to enroll in Medicare. It is possible to sign up for Medicare even when 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 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 annual) deductible for Medicare Part A of $1156, $289 per day for 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 daily 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 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 including doctor service while as a hospital patient, 40% outpatient mental healthcare, any excess charges (some doctors can charge as much as 15% above what Medicare authorizes)
While Medicare will cover a substantial part of your Medical expenses there are lots of gaps left for you to pay. These gaps can certainly deplete a person’s financial resources when they are on a set budget. A Ohio Medicare supplemental insurance policy can fill in most or all the gaps in Medicare and they are very affordable for most people.
Ohio Medicare supplement insurance plans are provided 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 of whether you purchase your insurance from New Era, Gerber, Sterling, AARP or some other insurance company. Nationwide three of the most popular plans are F, G, and N.
Ohio Medicare supplement plan F: This is easily the most popular and comprehensive plan. It covers all the gaps left both in Medicare Part A and Part B.
Ohio 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 this plan is often 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.
Ohio Medicare supplement plan N: Unlike Medicare supplement plan F this plan includes a bit of 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 still giving you the flexibility and stability of a Medicare supplement plan. This plan also does not cover excess charges.
There are many different insurance companies offering Ohio Medicare supplement plans and the costs can vary wildly from company to company. Many who do not use the services of an independent agent wind up paying over 40-50% extra 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.