Welcome, on this website you will learn about Washington Medicare and Washington Medicare supplemental insurance. The goal here is to supply the information to choose a Medicare supplement plan that best fulfills your needs at the lowest price available.
|Is Medicare supplement Plan F right for you?
What is Washington Medicare?
Washington Medicare is merely Medicare run within the state of Washington. Medicare is the country’s health insurance program for everyone age 65 or older. Some people younger than age 65 can be entitled to Medicare if they have certain disabilities. The program 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 do I need to apply for Washington Medicare?
If you are not already receiving retirement benefits you should contact Social Security about three months prior to your 65th birthday to join Medicare. You can enroll in Medicare even if you do not plan 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 part of your medical bills 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 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 per 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 bills for doctor services, some preventive services and various 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 to include doctor service while as a hospital patient, 40% outpatient mental healthcare, any excess charges (some doctors charge up to 15% above what Medicare authorizes)
While Medicare will cover a large percentage of your Medical expenses there are lots of gaps left where you will pay. These gaps can easily deplete a person’s financial resources. A Washington Medicare supplemental insurance policy can provide protection from most or all the Medicare gaps and they are very affordable for most people.
Washington 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 the exact same coverage regardless if you obtain your insurance from Family Life, Mutual of Omaha, AARP, Blue Cross or some other insurance company. Nationwide three of the most popular plans are F, G, and N.
Washington Medicare supplement plan F: This is easily the most popular and comprehensive plan. It covers all of the gaps left in both Medicare Part A and Part B.
Washington Medicare supplement plan G: This plan is just about the same as Medicare supplement plan F with the exception of not paying the yearly Medicare Part B deductible. For many this is often the best choice if you don’t mind paying the yearly deductible as opposed to the sometimes higher monthly premiums for Medicare supplement plan F.
Washington 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 less expensive monthly premiums. It is designed as an alternative to Medicare Advantage plans, while adding the freedom and stability of a Medicare supplement.
There are numerous insurance companies providing Washington Medicare supplement plans and the rates 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% 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.