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IMPORTANT:
Cuts to Medicare Advantage Plans
Congressional Cuts to Medicare Advantage
A Mutual of Omaha company since 1926, United of Omaha Life Insurance Company offers a diversified portfolio of life insurance, fixed annuities and other insurance, including Medicare supplement policies. When you own a United of Omaha Medicare supplement insurance policy, you get the reputation of Mutual of Omaha and its affiliates which have been providing quality insurance and financial products since 1909.
Woodmen of the World/Assured Life Association is a fraternal benefit society with more than a century of commitment to providing excellent insurance products and to improving the quality of life for the communities in which we do business. Founded in 1890, we exist soley for the well being of our members and their beneficiaries. Our organization is built on a foundation of community service and volunteerism all made possible by members who purchase their insurance related products from us.
These plans carry the AARP name and United HealthCare Insurance Company pays a fee to AARP and its affiliate for use of the AARP trademark and other services. Amounts paid are used for the general purposes of AARP and its members.
Sentinal Life was organized in 1948 and is now licensed to operate in 16 states. Sentinel Life's goal throughout its history has been to provide the best possible products and services to its policyholders. The company takes great pride in its prompt service and pays many claims the same day they are received.
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Medicare & Medicare Supplement Insurance
Free Quote!
Free Quote!
How to Apply(Click Here)Disclaimer: GTHI has found the MedicareSaver website tool to be helpful in trying to identify the best Medicare part D plan for your current medication use and is providing this link to MedicareSaver.com to use at your discretion and risk. GTHI is not currently licensed to sell or service Medicare part D plans and in no way receives any financial incentive from MedicareSaver to recommend their service to our clients. Should you decide to use the MedicareSaver.com website to find and enroll for your Medicare part D drug plan you WAIVE ANY AND ALL CLAIMS AGAINST GTHI, ITS AGENTS, REPRESENTATIVES, AFFILIATES, AND LICENSORS ARISING OUT OF THE USE OF THE MEDICARESAVER.COM SITE AND SERVICE.
Welcome to the Medicare Supplement and Medigap Insurance plan section of our website!
In this section of our website you will find two important downloadable guides, Medicare and You and Choosing a Medigap Policy. These guides are an important resource for Medigap insurance consumers. We hope you take advantage of the information they offer.
Medicare was never designed to pay all of your hospital and medical expenses. At American Senior Insurance Services, our primary focus is to help you select the Medicare Supplement insurance plan that best suited for your personal situation. We invite you compare and save on your Medicare Supplement Insurance coverage. As one of the pioneers in Medigap Insurance in Washington you can depend on us to provide you with the lowest quote we have available for the plan you select.
To receive a Medicare Supplement Insurance Quote, please call us 512-986-4840
Texas Medicare Publications
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| Call For More Information 512-986-4840 |
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2009 Medicare Part A & Part B Information
The following is a listing of the Medicare premium, deductible, and coinsurance rates that will be in effect in 2009.
Medicare Premiums for 2009:
Part A: (Hospital Insurance)
Most people do not pay a monthly Part A premium because they or a spouse has 40 or more quarters of Medicare-covered employment.
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The Part A premium is $254.00 per month for people having 30-39 quarters of Medicare-covered employment.
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The Part A premium is $461.00 per month for people who are not otherwise eligible for premium-free hospital insurance and have less than 30 quarters of Medicare-covered employment.
Part B: (Medical Insurance)
Most beneficiaries will continue to pay the same $96.40 premium amount in 2010. Beneficiaries who currently have the Social Security Administration (SSA) withhold their Part B premium and have incomes of $85,000 or less (or $170,000 or less for joint filers) will not have an increase in their Part B premium in 2010.
For all others, the standard Medicare Part B monthly premium will be $110.50 in 2010, which is a 15% increase over the 2009 premium. The Medicare Part B premium is increasing in 2010 due to possible increases in Part B costs. If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $110.50 per month.
Medicare Deductible and Coinsurance Amounts for 2010:
Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible (2010 = $1,100) during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.
For each benefit period you pay:
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A total of $1,100 for a hospital stay of 1-60 days.
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$275 per day for days 61-90 of a hospital stay.
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$550 per day for days 91-150 of a hospital stay (Lifetime Reserve Days).
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All costs for each day beyond 150 days
Skilled Nursing Facility Coinsurance
Part B: (covers Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment)
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TEXAS STANDARD MEDICARE SUPPLEMENT PLANS
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| Medicare Supplement Guaranteed Issue Events Chart |
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Guaranteed issue right situation…
Your Medicare Advantage Plan is leaving the Medicare Program, stops giving care in your area, or you move out of the plan’s service area.
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You have the right to buy …
Medigap Plan A, B, C, or F, K, or L that is sold in your state by any insurance company. For this right you must switch to the Original Medicare Plan.
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When you apply for a Medigap policy…
You can apply up to 60 calendar days before the date your health care coverage will end. You must apply no later than 63 days after your health care coverage ends.
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You are in the Original Medicare Plan and have an employer group health plan or union coverage that pays after Medicare pays, and that coverage is ending. This includes retiree or COBRA coverage.
Note: in this situation state laws may vary.
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Medigap Plan A, B, C, F, K, or L that is sold in your state by any insurance company.If you have COBRA coverage you can either buy a Medigap policy or wait until the COBRA coverage ends.
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You must apply 63 calendar days after the latest of these three dates.
- date the coverage ends,
- date on the notice that coverage is ending (if you get one), or
- date on claim denial, if this is the only way you know that your coverage is ending.
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You are in the Original Medicare Plan and have a Medicare SELECT policy. You move out of the Medicare SELECT plan’s service area.You can keep your Medigap policy or you may want to switch to another Medigap policy.
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Medigap Plan A, B, C, F, K, or L that is sold by any insurance company in your state or the state you are moving to.
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You can apply up to 60 calendar days before the date your health care coverage will end. You must apply no later than 63 days after your health care coverage ends.
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Trial Right: You joined a Medicare Advantage Plan or PACE when you are first eligible for Medicare Part A at age 65 and within the first year of joining, you decide you want to switch to the Original Medicare Plan.
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ANY Medigap policy that is sold in your state by any insurance company.
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You can apply up to 60 calendar days before the date your health care coverage will end. You must apply no later than 63 days after your health care coverage ends.
Note: Your rights may last for an extra 12 months under certain situations.
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Trial Right: You dropped a Medigap policy to join a Medicare Advantage Plan (or to switch to a Medicare SELECT policy) for the first time; you have been in the plan less than a year and want to switch back.
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The Medigap policy you had before you joined the Medicare Advantage Plan or Medicare Select policy, if the same insurance company you had before still sells it. If it included drug coverage, you can still get that same policy, but without the drug coverage.If your former Medigap policy isn’t available, you can also buy a Medigap Plan A, B, C, F, K, or L that is sold in your state by any insurance company.
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You can apply up to 60 calendar days before the date your health care coverage will end. You must apply no later than 63 days after your health care coverage ends.
Note: Your rights may last for an extra 12 months under certain circumstances.
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Your Medigap insurance company goes bankrupt and you lose your coverage, or your Medigap policy coverage otherwise ends through no fault of your own.
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Medigap Plan A, B, C, or F, K, or L that is sold in your state by any insurance company.
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You must apply 63 calendar days from the date your coverage ends.
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You leave a Medicare Advantage Plan or drop a Medigap policy because the company hasn’t followed the rules, or misled you.
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Medigap Plan A, B, C, or F, K, or L that is sold in your state by any insurance company.
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You must apply 63 calendar days from the date your coverage ends.
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Why do I Need a Medicare supplement or “Medigap” policy?
- Medicare was never designed to pay all the health care costs of the elderly.
- Medicare coverage has many gaps.
- Medicare deductibles increase every year.
What are Medigap policies?
Medicare supplemental insurance policies sold by private insurance companies to fill "gaps" in Original Medicare Plan coverage. Except in Massachusetts, Minnesota, and Wisconsin, beneficiaries may choose from 12 standardized policies labeled Plan A through Plan L. Medigap policies work only with the Original Medicare Plan.
The Initial Enrollment Period begins 3 months before the month a beneficiary turns 65 and ends 3 months after the month the beneficiary turns 65. If beneficiaries wait until they are 65 or sign up during the last 3 months of the Initial Enrollment Period, their Medicare Part B start date will be delayed.
The 6-month period that begins the first day of the month in which a beneficiary is both age 65 or older and enrolled in Medicare Part B. During this period you right to purchase a Medicare supplement policy is guaranteed.
What are guaranteed issue or “Medigap Rights”?
A beneficiary's rights, in certain situations, in which insurance companies are required by law to sell a Medigap policy. In these situations an insurance company can't deny the beneficiary insurance coverage or place conditions on a policy, must cover all preexisting conditions, and can't charge more for a policy because of the beneficiary's past or present health problems.
If a beneficiary did not enroll in Part B when first eligible for Medicare, he or she may sign up during the General Enrollment Period that runs from January 1 through March 31 of each year (January 1 through June 30 in 2002). The cost of Part B may go up 10 percent for each 12-month period that the beneficiary could have had, but did not have, Part B. The beneficiary may have to pay this extra amount as long as he or she has Part B.
The Medicare Part B premium amount for 2008 has been announced by the Department of Health and Human Services (HHS). This premium paid by beneficiaries enrolled in Medicare Part B, covers physician services, outpatient hospital services, certain home health services, durable medical equipment and other items. The Medicare Part B monthly premium will be $96.40 in 2008, increase of $2.90 from the 2007 $93.50 premium.
Will Medicare cover my medical expenses outside of the U.S.?
Persons living or traveling outside the United States usually cannot benefit from Medicare. Generally speaking, the program provides protection against the cost of hospital and medical expenses incurred in the United States.
There are rare emergency cases where Medicare can pay for care for those who travel to Canada or Mexico. Also, Medicare can sometimes pay if a Canadian or Mexican hospital is closer to your home than the nearest U.S. hospital that can provide the care you need.
If you get emergency treatment in a Canadian or Mexican hospital or if you live near one, ask someone who works at the hospital about Medicare coverage, or have the hospital help you contact the Medicare Intermediary.
Health insurance protection may be very important to anyone temporarily abroad who plans to return to the United States. If you plan to return to the United States shortly after you are eligible for the medical insurance program, you may wish to enroll during your first enrollment period. If you expect to be abroad for a longer period of time, you may wish to enroll during a later general enrollment period.
Medicare supplements-Medigap Insurance
For more information on medicare, please call and talk with our senior specialist. You deserve to know all your options.
512-986-4840
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