Welcome, here you can learn about Tennessee Medicare and Tennessee Medicare supplemental insurance. Our goal is to supply the information needed to choose a Medicare supplement plan that best meets your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?|
What exactly is Tennessee Medicare?
Tennessee Medicare is simply Medicare run within the state of Tennessee. Medicare is our country’s health insurance program for people age 65 or older. Some people younger than age 65 can get Medicare when they have specific disabilities. The program helps pay for the cost of healthcare, but it does not cover all medical expenses or the cost of most long-term care.
When should you sign up for Tennessee Medicare?
If you are not already receiving retirement benefits you should contact Social Security about three months before your 65th birthday to sign up for Medicare. You may enroll in Medicare even when 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 expenses after you have been admitted into a hospital, skilled nursing facility, hospice, and 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 days 61-90 hospital room and board, $578 each 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 of costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical bills 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 charge as much as 15% above what Medicare authorizes)
Tennessee Medicare Supplement Insurance
Although Medicare covers a substantial part of your Medical expenses there are many gaps left for you to pay. These gaps can easily strain a person’s financial resources when they are on a set budget. A Tennessee Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very reasonably priced for most people.
Tennessee 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 the exact same coverage regardless if you obtain 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.
Tennessee 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.
Tennessee Medicare supplement plan G: This plan is almost the same as Medicare supplement plan F with the exception of not paying the yearly Medicare Part B deductible. For many people this plan is the best choice when you don’t mind paying the yearly deductible instead of the often higher monthly premiums for Medicare supplement plan F.
Tennessee Medicare supplement plan N: Unlike Medicare supplement plan F this plan has got 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.
There are many different insurance companies selling Tennessee Medicare supplement plans and the prices 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 a month 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.