Medicare Advantage, Medicare Supplement (MediGap), and Medicare Prescription Drug (PDP) Insurance
Medicare Beneficiaries are protected from sales and marketing companies. Medicare Beneficiaries usually receive marketing material only in the mail. Salespeople and marketing companies are not allowed to solicit Medicare Advantage Plans by phone, or email. The proper way for agents to have access to Medicare Beneficiaries, is to have your permission, in writing, two days in advance of talking about Medicare Advantage Plan details. For this reason, we need to collect the Scope of Appointment form from you, before we can provide you with details about Medicare Advantage Prescription Drug Plans, or Medicare Prescription Drug Plans. The Scope of Appointment forms are below for Paris Laughlin and Stuart Ouellette. Please complete, sign and return the scope of appointment, for your agent, and we will contact you with Medicare information.
Scope of Appointment Form Paris Laughlin
Scope of Appointment Form Stuart Ouellette
What is Medicare
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, or people with end-stage renal disease.
There are different parts of Medicare to help cover specific services:
- Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
- Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
- Part C combines Parts A and B and often part D as well, and is purchased from a health insurance company. Part C is the Medicare Advantage Prescription Drug Plan, and is an "all in one" alternative to Original Medicare. These "bundles" plans include Part A, Part B, and usually Part D.
- Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. Part D plans are are offered by insurance companies.
What Medicare Plans are available
Original Medicare offers coverage for services and supplies that are considered to be medically necessary, such as doctor visits, lab tests and wheelchairs. There are several alternative plans you can choose from for additional coverage, and each plan must offer at least the same coverage as Original Medicare.
- Medicare Advantage Plan, also known as Part C, combines Part A and Part B as a replacement to Medicare for more comprehensive health care coverage. We offer leading Medicare Advantage Plans in Oregon and SW Washington including Health Net, Moda Health Plan, Providence Health Plan, Regence BlueCross, and UnitedHealthcare. Complete and return the Medicare Scope of Appointment below if you would like us to contact you with details about Medicare Advantage Plans.
- Medicare Supplemental Plan, also known as Medigap, has a higher premium but supplements the coverage gaps and deductibles that Part A and Part B leave behind. We offer Medicare Supplement (MediGap) plans from Moda Health Plan, Regence BlueCross, and UnitedHealthcare. Medicare Supplement plans do not require the Scope of Appointment.
- Medicare Prescription Drug Plan (PDP). We offer Asuris Health Plan Medicare Prescription Plan. There are also many other Medicare Prescription Drug Plan at the Medicare website. Medicare Prescription Drug Plans require us to collect the Scope of Appointment form.
How to Prepare for Medicare
We recommend that you begin preparations for Medicare 6 to 12 months in advance. Part of the Medicare planning process is making choices, and you will want to take your time to make your transition to Medicare a pleasant experience. Ask yourself some questions:
- Will you continue to work?
- Will you take Social Security Income at age 65?
- Do you plan to travel?
- Do you have health needs or expensive prescriptions?
- Does your medical providers accept the plan you want?
- Do your providers accept Original Medicare?
Setting up your Medicare A & B and Health Plan
Once you have an idea about what you want, then you must make the next step - enrollment. The usual setup Medicare are listed below:
- Apply for Medicare parts A & B online at the Social Security website here. If you enroll in your Medicare on the Social Security website, be sure to save a copy of the enrollment confirmation, or write down the enrollment confirmation number. If you can't enroll in Medicare parts A & B online, then you will need to contact the local Social Security office by calling (800) 772-1213
- Review health plan options with our agent about 2-3 months in advance of your Medicare Initial Election Period
- Complete application for coverage with your agent about one months in advance, to allow for processing
- Pay your first premium to activate the new Medicare plan
You must have Medicare Part A and Medicare part B to qualify for Medicare Advantage Plans and Medicare Supplement Plans. You set up your Medicare parts A and B at the local social security office, by phone, or online. When applying for your Medicare part A and B, you must also let Social Security know if you will be taking your Social Security Income. There will be a fee for the Medicare part B, usually $144.60. This fee may be higher if you have high income. The part B fee may be paid by Medicaid if your income is below about $1,000 per month.