Medicare & Medicare
Supplement Insurance
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,
complete our simple quote request
form or call us toll free in Washington at 1-800-562-1399.
Medicare
Supplement Information Center
Frequently Asked Questions
You may need to supplement your Medicare
Health Insurance for one or more of the following reasons:
· Medicare was never designed to pay all the health care costs of the
elderly.
· Medicare coverage has not kept pace with the rising costs of medical
care.
· Medicare cost-sharing provisions have risen steadily since 1965.
· 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.
How do I get a quote for Medigap
(Medicare Supplement Coverage)?
Simply click here to request your quote!
One of our Medigap specialists will contact you at your convenience, or for
faster service call us toll free in Washington at 1-800-562-1399.
When is Medicare’s
Initial Enrollment Period?
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.
What is the Medigap
open enrollment period?
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. (See
guide to health insurance for people with Medicare).
What is Medicare’s “General
Enrollment Period?”
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.
What
is the "Part B" Medicare monthly premium for 2009?
The Medicare Part B premium amount for 20097 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 2009, 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. This is because, 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.
Which
type of Medigap plan is best for me?
This depends on your personal preferences, needs and requirements. Consideration
should be given to benefits, cost, your economic situation, and current health.
An American Senior Medigap specialist can answer your questions and provide
you with the information you need to make a wise healthcare choice.
Where can I get more information?
Click here to go to our
Medicare Rx information page. You can review questions
and answers regarding Medicare’s new prescription
drug plan, Medicare Part D, or Click here to go directly
to our Quote Request page.
Ameraquote is operated
by American Senior Insurance Service Inc. an insurance agency
licensed in the state of Washington. American Senior Insurance
Services Inc. is not associated with the Medicare program or
any other state or federal agencies. |
