Welcome, here you will learn about Pennsylvania Medicare and Pennsylvania Medicare supplemental insurance. The goal here is to provide the information necessary to choose a Medicare supplement plan that best matches your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What is Pennsylvania Medicare?
Pennsylvania Medicare is simply Medicare operated in the state of Pennsylvania. Medicare is our country’s health insurance program for individuals 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 Pennsylvania Medicare?
For those that are not currently getting retirement benefits it is best to contact Social Security around three months before your 65th birthday to enroll in Medicare. You may 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 bills when you have been admitted to a hospital, skilled nursing facility, hospice, and some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 daily 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 a portion 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 health care, any excess charges (some doctors can charge up to 15% above what Medicare authorizes)
Even though Medicare covers a large portion of your Medical expenses there are many gaps left for you to pay. These gaps can certainly strain a person’s financial resources. A Pennsylvania Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very reasonably priced for most people.
Pennsylvania 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 the exact same coverage whether or not you get your insurance from Gerber, AARP, United Health, Mutual of Omaha or some other insurance company. Nationwide three of the most popular plans are F, G, and N.
Pennsylvania Medicare supplement plan F: This is easily the most common and comprehensive plan. It covers all of the gaps left in both Medicare Part A and Part B.
Pennsylvania Medicare supplement plan G: This plan is almost the same as Medicare supplement plan F except for not paying the yearly Medicare Part B deductible. For many this plan is the best option when you don’t mind paying the yearly deductible as opposed to the sometimes more expensive monthly premiums for Medicare supplement plan F.
Pennsylvania 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 exchange for reduced monthly premiums. It is designed as an alternative to Medicare Advantage plans, while still giving you the freedom and stability of a Medicare supplement.
There are many different insurance companies providing Pennsylvania Medicare supplement plans and the costs can vary quite a bit from company to company. Many who do not use the services of an independent agent end up paying over 40-50% extra 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.