Medicare Supplement - What Where & How - 2/7 - Centaur Medicare Solutions LLC

Approaching 65? Make Sure You Register For Medicare

Feb 242012

Approaching 65? Make sure you register for Medicare coverage even if you are planning to continue to work. You should contact Social Security about three months before your 65th birthday to sign up for Medicare. When you delay you may end up paying a higher rate as a penalty for Part B for the rest of your life. If you have a company plan you will need to understand how it will interact with Medicare.

Fidelity, EBRI, and HealthView Services have estimates that range from $230,000 a couple to $369,000 a person will be needed to cover 17 to 20 years of retirement healthcare cost. These numbers do not even include the cost of long term care. Does this seem high? In 2010 insurance costs alone averaged around $3,300. When you add in deductibles, co-pays, over the counter drugs, glasses, and dental care, the out-of-pocket costs can easily exceed $5,000 a year. It can be much worse if you have health issues.

With our government so in debt the trend to shift more costs to the consumer is likely to continue. A little retirement planning can help protect you from some of the daunting expenses. Purchasing a Medicare supplement and Medicare Part D coverage is one way to do that.

When you turn 65 and first start receiving Medicare Part B coverage you have a six month window during which insurance companies have to sell you a Medicare supplement plan if you want it. During this initial enrollment period you cannot be charged anymore for your Medicare supplement than anyone else regardless of any preexisting condition. Once you are in a plan then it is guaranteed renewable as long as you pay your monthly bill.

Medicare Part D is a prescription drug plan. The first step to finding a plan is to get your prescription information together and use the tool at Medicare.gov (medicare.gov/find-a-plan/questions/home.aspx) to find a plan that best matches your needs. It is important to review your Medicare D coverage annually to see if a different company can provide lower cost coverage.

Health care is expensive and retirement can be too, but that doesn’t mean that turning 65 and retiring cannot be a great experience. Understanding some of the potential cost and planning for them will make the experience even better.

If you would like to see who has the best priced Medicare supplemental insurance in your area please click here. One of our agents will pull some Medicare supplement quotes for you and email them to you.

Gerber Medicare Supplemental Insurance In Florida

Feb 132012

Florida is an interesting state when it comes to Medicare Supplement Insurance. A first look, from an insurance agent’s point of view, there is not much to see. Mutual of Omaha and United have pretty much ruled the insurance world in Florida for many years with almost no competition. Even now when you pull up quotes for a client you will in most cases only get maybe three or four insurance companies depending on where that client lives. Competition in almost all cases is good for the consumer and this is true for Medicare supplement plans as well. One of the driving factors behind the higher premiums for Florida Medicare supplement insurance is the lack of competition. Things are slowly changing though. Gerber is relatively new at providing Medicare supplemental insurance and seems to be undercutting the competition in many parts of Florida. This is a step in the right direction, but lets compare rates with Florida’s next door neighbor Georgia. If you pull quotes in Georgia you will often get upwards of twenty insurance providers and the rates will sometimes be half of what a Floridian will pay. So Florida, open up your doors to more competition you will help us all out.

If you would like to see if Gerber has the best deal in your area please click here. One of our agents will pull some Florida Medicare supplement quotes for you and email them to you.

United Healthcare

Feb 052012

United Healthcare is one of the most recognized names in the Medicare supplement industry

National footprint
Competitive plans
A variety of Medicare supplement plans available
Stable rates
National average rate increase of only 5.5% over the last five years
High satisfaction-96% of plan holders are satisfied with their benefits & coverage

From the United Healthcare website:

About Us

At UnitedHealthcare, we are committed to improving the health care system.

UnitedHealthcare is an operating division of UnitedHealth Group, the largest single health carrier in the United States.

As a recognized leader in the health and well-being industry, we strive to:

Improve the quality and effectiveness of health care for all Americans
Enhance access to health benefits
Create products and services that make health care more affordable
Use technology to make the health care system easier to navigate

Our family of companies delivers innovative products and services to approximately 70 million Americans. UnitedHealthcare’s nationwide network includes 676,287 physicians and health care professionals, 80,000 dentists and 5,190 hospitals. Our pharmaceutical management programs provide more affordable access to drugs for 13 million people.

We’re committed to the delivery of quality care and its continual improvement. In fact, UnitedHealth Group made significant investments in research and development, technology and business process improvements – nearly $3 billion in the past five years. These investments led to changes that are improving the way care is delivered and administered across the entire industry.

If you would like to see if United Healthcare is offering the lowest priced Medicare supplement plans in your area request Medicare supplement quotes 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 quotes of the lowest priced companies to you by email.

Sterling to Increase Rates on Medigap in South Carolina

Feb 052012

If you live in South Carolina and thinking about purchasing a Medicare supplement from Sterling Investors Life insurance company you will want to make your purchase with an effective date before 1 April 1012. Rates on the Sterling Medicare supplement plans A, B, C, D, F, high F, M, and N will increase by 20%. Their plan G will increase 15%.

Sterling is based in Florida and provides insurance across the country. Sterling does have the lowest prices in certain areas of some states. Please request quotes if you would like to see if Sterling provides the best prices in your area.

Idaho Medicare Supplement

Feb 052012

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?

No referrals
No crazy claims paperwork
No deductible
No co-pay
No excess charges
Foreign travel coverage
Guaranteed renewable

Learn about Medicare supplement insurance

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)

Idaho Medicare Supplement Insurance

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.

You can get more and the most and up-to-date information by downloading Choosing a Medigap Policy the government guide to Medicare supplement insurance or by visiting the Government Medicare website.

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.

Nebraska Medicare Supplement

Feb 052012

Welcome, here you will learn about Nebraska Medicare and Nebraska Medicare supplemental insurance. Our goal is to provide you with the knowledge needed to select a Medicare supplement plan that best suits your needs at the lowest price available.

Is Medicare supplement Plan F right for you?

No referrals
No crazy claims paperwork
No deductible
No co-pay
No excess charges
Foreign travel coverage
Guaranteed renewable

What is Nebraska Medicare?

Nebraska Medicare is simply Medicare operated inside the state of Nebraska. 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 specific disabilities. The program helps pay for the cost of health care, but it does not cover all medical expenses as well as the cost of most long-term care.

When should I apply for Nebraska Medicare?

If you are not currently getting retirement benefits it is advisable to contact Social Security about three months prior to your 65th birthday to join Medicare. You can sign up for Medicare even if you do not want to retire at age 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 bills when 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 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 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 up to 15% above what Medicare authorizes)

Nebraska Medicare Supplement Insurance

Although Medicare covers a substantial percentage of your Medical expenses there are many gaps left for you to pay. These gaps can easily deplete a person’s financial resources when they are on a set budget. A Nebraska Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very affordable for most people.

Nebraska Medicare supplement insurance plans are provided by private insurance companies. The federal government has standardized these plans. Which means that all plans identified by the same letter provide identical coverage whether or not 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.

Nebraska Medicare supplement plan F: This is easily the most common and comprehensive plan. It covers all of the gaps left both in Medicare Part A and Part B.

Nebraska Medicare supplement plan G: This plan is just about the same as Medicare supplement plan F with the exception of not covering the yearly Medicare Part B deductible. For many this plan is often the best choice when you don’t mind paying the yearly deductible instead of the sometimes higher monthly premiums for Medicare supplement plan F.

Nebraska Medicare supplement plan N: Unlike Medicare supplement plan F this plan includes 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 security of a Medicare supplement plan. This plan also does not cover excess charges.

There are many different insurance companies offering Nebraska 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% 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 get more and the most and up-to-date information by downloading Choosing a Medigap Policy the government guide to Medicare supplement insurance or by visiting the Government Medicare website.

Kansas Medicare Supplement

Feb 052012

Welcome, on this website you will learn about Kansas Medicare and Kansas Medicare supplemental insurance. The goal here is to supply the information needed to select a Medicare supplement plan that best fulfills your needs at the least expensive price available.

Is Medicare supplement Plan F right for you?

No referrals
No crazy claims paperwork
No deductible
No co-pay
No excess charges
Foreign travel coverage
Guaranteed renewable

What exactly is Kansas Medicare?

Kansas Medicare is merely Medicare operated within the state of Kansas. Medicare is our country’s health insurance program for people age 65 or older. Some people younger than age 65 can get Medicare if they have specific disabilities. The program helps pay for the cost of health care, but it will not cover all medical expenses or the cost of most long-term care.

When should you sign up for Kansas Medicare?

For those that are not currently getting retirement benefits it is advisable to contact Social Security around three months prior to your 65th birthday to join Medicare. It is possible to enroll in Medicare even if 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 once you have been admitted to 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 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 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 can charge as much as 15% above what Medicare authorizes)

Kansas Medicare Supplement Insurance

Even though Medicare covers a large part of your Medical expenses there are lots of gaps left for you to pay. These gaps can certainly strain a person’s financial resources. A Kansas Medicare supplemental insurance policy can provide protection from most or all the Medicare gaps and they are very affordable for most people.

Kansas Medicare supplement insurance plans are provided by private insurance companies. The federal government has standardized all of these plans. This means that all plans identified by the same letter provide exactly the same coverage regardless if you obtain 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.

Kansas Medicare supplement plan F: This is the most common and comprehensive plan. It covers all of the gaps left in both Medicare Part A and Part B.

Kansas Medicare supplement plan G: This plan is almost the same as Medicare supplement plan F with the exception of not paying the annual Medicare Part B deductible. For many this plan is often the smartest choice if you don’t mind paying the yearly deductible as opposed to the sometimes more expensive monthly premiums for Medicare supplement plan F.

Kansas Medicare supplement plan N: Unlike Medicare supplement plan F this plan contains some cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in exchange for less expensive monthly premiums. It 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 lots of insurance companies providing Kansas Medicare supplement plans and the prices can vary quite a bit from company to company. Many people who do not utilize the services of an independent agent end up paying over 40-50% more a month 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 get more and the most and up-to-date information by downloading Choosing a Medigap Policy the government guide to Medicare supplement insurance or by visiting the Government Medicare website.

Older Entries Newer Entries

Approaching 65? Make Sure You Register For Medicare

Gerber Medicare Supplemental Insurance In Florida

United Healthcare

United Healthcare is one of the most recognized names in the Medicare supplement industry

Sterling to Increase Rates on Medigap in South Carolina