Medicare Supplement Plans (Medigap) Part 2

2020 Medicare Supplement Plans (Medigap) Part 2

What are the benefits of Medicare supplemental plans?

There are currently 10 standard Medigap plan policies, with each one represented by the letters A, B, C, D, F, G, K, L, M, and N. There is also Plan F highly removable version. These plans are available in most states. Massachusetts, Minnesota and Wisconsin have different standardized Medicare supplement plans.

Premiums and coverage differs, however the gains of each plan within a category is the same, regardless of the insurer or location. For example, the benefits of Plan A in New Jersey are the same as in Oregon. Generally speaking, all Medicare supplemental plans include the following benefits:

  • Co-insurance for Medicare Part A and hospital expenses (up to 365 days after Medicare benefits)
  • Co-insurance or copayment for Medicare Part B
  • Blood (the first 3 pints)
  • Part A Hospice care co-insurance or additional payment

The cover may not be complete for some plans. Plan N of Medigap covers Part B Coinsurance, with the exception of up to $ 20 for certain office visits and up to $ 50 for emergency rooms that are not hospitalized. Some types of Medicare supplemental plans also include:

  • Long-term care insurance with long-term care insurance
  • Medicare Part A Deductible
  • Medicare Part B Deductible
  • Overcharge of Medicare Part B (the amount a non-participating provider can charge over the cost of a Medicare-approved service)
  • Emergency of international travel (up to the limits of the plan)
  • Two Medicare supplemental plans (Plan K and Plan L) include a payment limit.

As soon as your Medicare coverage expense gets to a certain limit, the Medigap plan covers 100% of the costs covered by Medicare till the rest of the year. As already mentioned, the services vary according to the type of plan. For an overview of the benefits offered by standard Medicare supplement plans, see the chart for Medigap plan benefits. What benefits do Medigap plans not include?

Medigap guidelines generally do not include the following health care services and offers:

  • Long-term care (care in a nursing home)
  • Routine vision or dental care.
  • Private duty nursing
  • Eye glasses
  • Hearing aids
  • Prescription medications

More information about Medicare supplements.

  • You will need Medicare Part A and Part B to get a Medicare supplemental plan.
  • Each Medigap policy must be clearly marked as “Medicare Supplement Insurance”.
  • A Medigap plan can only pay for one person. You and your spouse must purchase separate insurance policies if you are married.
  • You can always use your Medigap plan with any provider that accepts Medicare. For some Medicare SELECT plans, you only need to use hospitals and doctors in provider networks.
  • It is not all types of Medigap plans that may be offered in your state.
  • The cost of prizes may vary depending on the plan and location, even if the same standardized benefits apply. In general, it is guaranteed that Medicare supplemental plans will be renewable so long as you continue to make payment for your premium.

Medicare Supplements and Prescription Drug Coverage

2020 Medicare Supplements and Prescription Drug Coverage

The need for prescription drug coverage plan:

According to the National Institutes of Health, seniors aged 65 and above represent only 13% of the population, but they account for more than 33% of the cost of prescription drugs for outpatients in the United States. This means that the majority of the population of Medicare beneficiaries over the age of 65 will take at least one prescription drug and would need prescription drug coverage.

Medicare beneficiaries below the age of 65 may also want coverage for prescription drugs. Prescription drug coverage is usually not covered by Original Medicare (Parts A and B), unless you receive the prescription drugs while you are in the hospital or if a doctor administers it on an outpatient basis, such as a clinic.

To avoid having to pay most of your prescription cost out-of-pocket, you usually must buy additional coverage.

Does Medicare supplemental insurance cover prescription drug coverage?

Medicare supplemental plans (Medigap) are usually sold by private insurance companies to people over 65 who are enrolled in Medicare Parts A and B. Medicare supplemental plans can help pay for part of the Medicare cost, such as co insurance, co payments, and deductibles. Under federal law, private insurers do not have to sell Medicare supplement plans to people below 65 years, though some states require that Medicare supplement plans be sold to Medicare beneficiaries below 65.

Some Medicare supplement policies were sold which included coverage for prescription drug. Such supplemental Medicare policies can no longer be sold to beneficiaries (though, if you have prescription drug coverage under a previous Medicare supplement plan, you can keep it). If you are buying a Medicare supplement policy today and want prescription drug coverage, you will generally need to buy a separate Medicare Part D prescription drug plan. You can still buy a separate Medicare Part D prescription drug plan if you have a Medicare Supplement Policy that covers prescription drug coverage, but it cannot be included in both plans. You must notify your Medicare supplement policy through the Independent Prescription Drug Plan so that this coverage can be eliminated from your Medicare supplement policy and your adjusted premium.

Once the prescription drug coverage has been removed from your Medicare supplement plan, you will not be able to receive this coverage. A prescription drug coverage may also be available through a Medicare Advantage plan, but a Medicare supplement plan will not work with a Medicare Advantage policy. According to the Centers for Medicare and Medicaid Services, more than 25 million beneficiaries of Medicare were eligible for Medicare Part D prescription drug policies as of April 2017.

What is a separate Medicare Part D plan for prescription drugs?

Medicare prescription drug plans below Medicare Part D are offered by private insurance companies approved by Medicare. Distinct insurers provide different plan types. This means your monthly plan premiums and prescription drug costs may vary from plan to plan. Each Medicare prescription drug plan includes a formula that contains a list of prescription drugs.

Medicare Made Easy Pt 2

Medicare Made Easy Pt 2

How do I sign up for Medicare?

You can register for Original Medicare via the Railroad Retirement Board or Social Security or in the following ways:

  • Online on the social security website
  • Call 1-800-772-1213, from 7:00 a.m. at 7:00 p.m. from Monday to Friday. Call 1-800-325-0778 for TTY services.
  • Through a personal visit to a social security office

When communicating with the Railway Retirement Board if you have worked on a railroad. Call the RRB Monday through Friday from 9:00 am to 3:30 pm at 1-877-772-5772. Call 1-312-751-4701 for TTY services.

If you receive social benefits or retirement pensions before age 65, Medicare Part A and B will be automatically registered. You will enroll in Medicare at the same time you apply for a retirement pension, either through Social Security or the Railroad Retirement Board. Should this situation apply to you and you receive retirement benefits prior to your 65th birthday, you will automatically be enrolled in Medicare Part A and B on the first day of the month you turn 65 years. Get a 2019 medicare supplement plan to be healthy in the new year.

When you turn 65 at the beginning of the day of the month, your Medicare insurance begins on the first day of the previous month. If you do not receive retirement benefits at the age of 65 years, you must enroll in Medicare manually. The first 7 month enrollment period is the first time you can enroll and start 3 months before you turn 65 years. It includes the month in which he is 65 years old and ends 3 months later.

Some people may qualify for Medicare before the age of 65 if they have received social security or disability benefits from the Railways Pension Authority for 24 months. If you are eligible for a disability, you will get a Medicare card by email 3 months prior to when the disability benefits mature to the 25th month. You will be automatically registered in the 25th month.

Some patients may also qualify for Medicare if they have amyotrophic lateral sclerosis or end-stage renal disease. Authorization and registration in these situations work differently. You can enroll in Medicare 24 hours per day, 7 days per week, at 1-800-MEDICARE (1-800-633-4227).

Since you must pay a premium for Medicare Part B, you can choose not to enroll or delay the application, but you may be aware that you may be penalizing late enrollment. A few months before the age of 65, you will receive a “Welcome to Medicare” package via email, with all the information you need.

How much does Medicare cost?

The cost of Medicare depends on the type of insurance you choose. With Original Medicare, monthly premiums depend on the number of quarters of your social security credits. You will receive Medicare Part A for free if you have worked a minimum of 10 years (i.e. 40 quarters) and have paid Medicare taxes within the period. Otherwise, you may owe a monthly premium for Medicare Part A. The exact amount of your bonus depends on how long you have been working.

Investment should hinged so much on Money Factor

Investment should hinged so much on Money Factor

Before we even retire, we have in in our minds that our retirement benefits and funds will be a basis of all the investments we will be having thereafter. This is a misconception because of a number of reasons. When thinking of investment, you need to have in mind that you can invest without being money minded. Remember that investments can grow and businesses can be started with very little capital. Did you know that even bee keeping at the top of your city house roof is an investment? That is through because you don’t need to be a senior CEO so that you can say that you have made an investment. Invest in health and get a medicare advantage plan for 2019 to stay healthy.

Reasons why you should take investment as a source of money

Sometimes investments after retirement may become a wild goose chase because at the beginning of your investment, you may not benefit much. If you start an investment, you don’t need to be so much money minded. However, you need to take it as a separate entity that needs your support but should not be a place where you draw money from and inject money on each and every time. An investment is a separate entity from you and you should always try to make it stand on its own.

Secondly, your business investment should not be a burden to your retirement. There are those instances where a business will keep digging deeper into your pocket to a point where you are frustrated. If you have attained the retirement age, make sure that you invest in a sizeable business investment that require little financial backup. It should also be a business that can be terminated or changed into a business that deal with a related line of service or delivery of goods.

Thirdly, it is better to invest using the money you saved when you were still working. This will ensure that you will not exhaust you retirement benefits trying to bring up a business that is not picking up as expected. For some you, it may be a difficult thing to let an investment that you have cherished so die down. Here it is better to invest what you saved rather than in investing that which you have accrued from your retirement. It is not good to drain all your money and remain bankrupt after retirement. This is something that should kept in mind.

Why should you start planning for retirement early?

Your grandparents and parents will keep on advising you to plan your retirement even though you are in your 30s. It might seem a little too early, but they are right you know.  As you start planning early, you will reach your goals early, too.

Just look at the life of Warren Buffett. He started investing at the age of 11 and it’s pretty evident that he is among the top 10 richest men. Planning early may not make you as rich as Buffett but it will surely make your life easier as you retire.

Here are some tips to have to plan for your retirement in advance:

  • Save money on taxation

Taxation reduces your income but if you invest your income, it lowers your tax burden. It also helps you save more money for the future. As you invest your money in a tax-deductible scheme, it won’t just reduce your tax amount, but help you organize your life after retirement in a better way.

  • Make aggressive investments

Why not take risks when you can in your early age? Since you have limited financial obligations, for now, you can invest in more aggressive schemes that tend to offer bigger rewards. If you are in your 25s, go for mid and small cap mutual funds. But as you age, change your strategy and invest in large caps and debt funds. Their return will be lower, of course, but they are safer.

  • Start doing research for long-term care

You may already have health insurance which is great but since life is unpredictable, you must also consider your long-term care. Why not start doing research for your Humana 2019 Medicare advantage plan. Although policies tend to change, if you have a thorough understanding of this plan, you will make fewer mistakes. Why not help your parents find the right plan so that you can know the ins and outs of it before your time comes.

  • With proper planning, you can retire early

Let’s say you are done with your financial liabilities and you have enough savings for the rest of your life. This means you could retire early.  Who wouldn’t want that?

Don’t procrastinate and don’t put the idea of retirement behind just because you have time. Once you get married and have kids, your financial obligations will increase. For a better and peaceful life, plan ahead of time. You won’t regret it!

Moving to another state, Understand Medicare Supplement Plans changes

Have you got transfers in your job and are expected to move to a new state or have you moved just now? It may seem as too many question in your busy time, but there are a few tasks you must make sure that goes smoothly without interruption such as the Social Security and Medicare benefits.


What coverage does Medicare have?

If you are a resident of the United States, it means including the U.S. Virgin Islands, Northern Mariana Islands, the District of Columbia and Puerto Rico, Guam, you are fortunate as you can retain the same Part A and B Original Medicare coverage.  But, if you are moving to some other state, there is a need to notify the health-care providers so that the medical records are transferred.

Medicare supplement Plans 2019

If you also have Medicare Supplement Plans policy or Part D Medicare for prescription drug plan, apart from the benefits of Original Medicare, you must know how it may affect your plans with your address change.


Moving to another state

In case you are enrolled with Medicare Supplement Plans or Part D Medicare Prescription Drug plan and now have a residence change means you are moving to another state, you can qualify for SEP, a Special Election Period. During this period, you are permitted to get enrolled into a new plan available in your new service area.


In case you are moving permanently to a place that is not covered by Medicare supplement plans means it is not in the service area. If so, immediately tell your plan and notify before you are moving from this place. This is because the timeframe for SEP is for four months and starts from the first month before you move and lasts for three months after you move. On notifying your plan after moving, you are permitted even to switch plans from the month you have given the moving notice and this can be done after and up to two months.


You can switch to new Medicare Supplement Plans or to Prescription Drug Medicare Plan during this moving period to a new service area. However, you also have the choice if you prefer to return to the Original Medicare.

You have Medicare Supplement plans?  If not, learn more about Medicare supplement Plans 2019 by visiting

If you have now Medicare Supplement plans and this plan is not available in the new area, then your Medicare plan should be disenrolled.  In case you fail to enroll during your SEP into a new Medicare Supplement Plans, you will return to Part A and B Original Medicare.

However, if you have already moved and the SEP period is over means you need to wait for October 15 to 7 December, the Annual Election Period to get enrolled.


Do you know Medicare Supplement Plans coverage changes every year?

If you have Part A and Part B, Original Medicare, there is no need for you to reapply each year. Yet, each year during (October 15 – December 7), the Annual Election Period, you may consider whether you would be benefited from enrolling in or wish to change some Medicare Supplement Plans or/and a Medicare prescription drug Part D plan.


Medicare Supplement Plans offers benefits and is affordable as it bears the costs that go beyond your pocket. These plans are available with private insurance companies. However, if you are enrolled already in Medicare Supplement Plans or/and Medicare Prescription Drug Part D coverage, it is best you stay aware of these details:


Medicare Advantage Organizations and the sponsors of Prescription Drug Plan, each year renew their contracts by submitting a plan for New Year with Medicare. This includes the cost sharing details and the benefits. This is approved only after Medicare reviews the plans and benefits.

In case the proposed changes are Medicare approved, your existing Medicare Supplement Plans or the membership for Prescription Drug plan gets automatically renewed. This renewal is done as long as you pay the plans monthly premiums that are applicable and also the Part B Medicare.


In case your plan leaves Medicare, you receive in the mail a Non-Renewal Notice informing you that you must find for the coming year a new plan. This notice will be received by your before the existing year October.


Thus, regardless of your case, it is best to review Medicare Supplement Plans and also the Part D Medicare Advantage Plans that alter costs and benefits every year. Having part D Medicare prescription drug plan or Medicare Supplement Plans enrolled means you must consider the changes taking to the drug list every year.

Take a look at information for Medicare Supplement plans 2019 by visiting

This is because you will know the affect it will have on your plan and what is the amount you need to pay for prescription medications. Each year, your health also undergoes a change that you may decide whether you require less or more comprehensive coverage than the provision of existing plan.


As you know now about Medicare Supplement Plan, keep your eye open to know the changes in the plans with each passing year. This will keep you updated on the plans and coverage available. Thus, you can consider new plans, compare the plans, take free tools for comparison and if required speak to a licensed agent to know more about insurance and its coverage.

What are the benefits a Medicare supplement plan will cover for you?

aarp medicare advantage 2019Currently Medigap plans support 10 types of plans which have been standardized to the people needs and they are denoted by simple alphabets A, B, C, D, F, G, K, L, M, N but the version which consists of a really high deductible and is beneficial for most of the users is Medicap Plan F. Almost everywhere these plans are supported without any exceptions but most of the countries and states do put some restrictions and many other changes in the Medicare Supplement plans as well as the Original Medicare plan.

Irrespective of where the company is located the amount of premiums which you have to pay and the time the policy will last may vary but it is common that each and everywhere the benefits provided by the companies is completely same with not much variations.

Can I understand a question, I am living in New York but now I am moving to Los Angeles, Now will my Medicare plan benefits change?

Let’s understand this question with a really simple example and consider a situation when a person is living in New York while other person is living in Los Angeles, Irrespective of the company wherever it is present the benefits will be provided to you 100% similar but you might have to check the policy of the following state to understand what would be the premium and what time will the policy last for you. For Quotes on AARP Medicare Advantage 2019 plans visit

May I know the various benefits which are provided in the Medicare supplement plan as well as Original Medicare Plan?

If we consider in general then the Medicare supplement plan as well as Original Medicare Plan, consider the following benefits of the same –

  1. Medicare Part A covers the hospital costs as well as the coinsurance with additional benefit of 365 days after your Original Medicare plan.
  2. Medicare Part B consists of co-payment as well as coinsurance.
  3. First 3 pints of the blood is supported
  4. Coinsurance and co-payment of Part A hospice care

Even some of the plans have different benefits and the payments made might be partial and not complete payments.

Even some Medicare Supplement plans also cover –

  1. Coinsurance of skilled nursing facility
  2. Deductible of Medicare Part A
  3. Deductible of Medicare Part B
  4. Excess charges of Medicare Part B which sometimes some hospitals might charge when they learn that you have a Medicare facility.
  5. Emergency traveling plan



Canker Sores –Basic Facts

In today’s health, there are many forms of infection and potential health challenges that may occur out of “ nowhere”. One of those unpleasant surprises are the various forms of aphthous ulcers. Also, known as canker sores, the aphthous ulcers can cause several health challenges and can negatively affect the overall wellbeing of the people infected. However, the ultimate question is what are the causes for developing the canker sores.


On that note, it is important to emphasize that it is not clear what causes aphthous ulcers (canker sores). Usually these sore are small, painful, and shallow.  In many cases canker sores can appear white or grey surrounded by a red halo. In most cases they develop on moveable, soft tissue inside the mouth — the tongue, throat (including tonsils and uvula), and inner cheeks.


best medicare supplementAlso, the aphthous ulcers can occur from two to fifteen ulcers at one time. Moreover, these canker sores’s lifetime can be up to two weeks. Also, it is important to note that some people may experience new aphthous ulcers in succession for up to one month. Furthermore, the canker sore may resurrect several time during a year. When getting older it’s a must to carry good medical insurance. For Seniors this means Medicare Part A and B. This covers a good portion of all your medical bills, but not everything. Therefore many people enroll in a Medigap plan to cover the difference. To find the best Medicare supplement go to They offer free online quotes from companies such as Mutual of Omaha, AARP, United Healthcare, Cigna, Aetna, BCBS, and more.


The main problem of the canker sores is the fact that they can be very painful and may interfere with eating, drinking, and speaking. Yet the main challenge for health experts is to determine the origin of these sores. On that note, it is important to pinpoint what may be many different causes for them. The first and foremost is the element of stress and anxiety. Moreover, mouth trauma, food allergies, gastrointestinal problems, immune suppression, and viral or bacterial infections have all been suggested as causes for development of canker sores. Another challenge is the fact that it is not clear if they can be transmitted to another person. In most cases, this is an unlikely scenario, however the possibility exists in case the are viral by nature.


One of the main suggestions that the health experts is that people should abstain from performing oral sex when there are canker sores in the mouth, or if there are any other problems with oral health. There is various research studies to support an increased risk for HIV transmission to the person performing oral sex when canker sores or other oral health problems are present in the body system.


All in all, the canker sores can be described as one complicated problem, And although, the causes are not fully determined, it is important to consult with a health practitioner in order to get a proper medication for treatment.


4 things you should know about Medicare Insurance and Retirement

Medicare is one of the health programs that has stolen the hearts of different seniors throughout the territory. It is a great opportunity to enjoy retirement without any problem since it will always support you when you need it the most. The best part is that you will always be protected and they will never leave you alone.

Medicare is one of the largest federal platforms that has kept helping everyone through all the new plans it brings each year for you during your retirement. That’s why whenever someone seeks to purchase health insurance choose Medicare because it gives you exactly what you are looking for.

Therefore, today we give you the 4 bears you should know about Medicare Insurance and Retirement.

  1. Plans adapted to retirement

One of the main characteristics with which Medicare Insurance has its plans adapted for each senior. It is known that during retirement people are very prone to get sick because their body is deteriorating, that is why they need a safe ox. From there is born the need for Medicare Insurance.

As such, it offers a series of Plans for you that adapt to each one of the needs that you may have. You can combine them with each other so that you have the insurance policy that suits you and makes you feel more protected.

  1. Constant data update

With Medicare Insurance you have the opportunity to renew your data whenever you want or that you are going to renew. We know that your life during the retirement is in constant movement, therefore, the changes are inevitable so do not worry if you have to update some information of your Medicare spreadsheet since you will be able to do it without any problem.

  1. 24/7 communication

The administrative staff of Medicare knows that you may have doubts when activating your insurance policy or when you are evaluating the possibility of a renewal. That is why they are always found to order through their different contact methods. All Medigap Plans are standardized by the government.

You can solve your doubts by going directly to their website where there are a question and answer section and there are even articles that can solve all your doubts. But if this method does not work for you, you can always call 0-800 MEDICARE directly so that an operator can attend you and get all the answers you are looking for.

  1. Comfortable bonuses

One of the biggest advantages that Medicare Insurance gives seniors are the comfortable monthly premiums. You see, based on their monthly income and the budget they manage, Medicare Insurance assigns them a monthly amount that they must cancel so they can enjoy all the services. This is how several people have been able to afford this health insurance.

Having Medicare is one of the best things you can do. We are sure that you will not regret it. Give it a try and you will see how your retirement will improve considerably thanks to all the protection you will start to enjoy.