• 800 721-2618

 

 

 

Get Medicare Supplement Insurance Las Vegas, Nevada.  4 Important Tips.

 

Buying Medicare Supplement coverage can be a daunting task.  Getting this right is a key factor in ensuring long-term financial stability.  So, where to begin?  What exactly are Medicare Supplement plans?  Which plan would be best for me?  How do I qualify?  What are the costs?

When it comes to lifestyle amenities, Las Vegas has just about everything.  However, when it comes to finding assistance with health insurance, things are somewhat sparse.  There are not a lot of capable Medicare Supplement experts that are intimately familiar with Medicare Supplement and Medicare Advantage options in the Las Vegas region.  The good news is - we are, and are happy to assist.

 

4 Important tips when choosing a Medicare Supplement Plan in Las Vegas, Nevada.


1.  Do not procrastinate.

When it comes to choosing the right supplement plan (sometimes referred to as Medigap Plans), the sooner you can begin the process the better.  The first thing you should do is confirm that you are actually eligible to purchase a Medicare Supplement Plan.  There is a bit more to being eligible for Medicare supplement coverage than simply turning 65.  For starts, you will need to be enrolled in both Part A, and Part B of Medicare.  If you are not certain if you are enrolled, or you do not know how to get enrolled, Please give us a call.  We can help.
If you are eligible, there is an initial enrollment period of seven months. It begins 3 months before your 65th birthday.  This open enrollment period is the best time to get your Medicare Supplement policy.


Good to know:  If there is a deadline associated with your health insurance purchase, be sure you know exactly when it is.  Make specific note of the timeline for enrollment, and give yourself plenty of time to research your plan choices before the deadline arrives.  Let's face it.  It's easy to put off a purchase such as health insurance - largely because there is no immediate impact if you delay.  So, commit to finishing the task early.  You don't want to be scrambling for answers at the last minute.

2.  Thoroughly review your options.

Medicare supplement plans are designated by letters of the alphabet (A-N).  Each plan option provides a specific level of coverage benefits for medical fees not covered by Medicare.  Give us a call to find out more about specific benefit information for every Medicare supplement plan type.


3.  Know your long-term budget.

There are 10 different Medicare Supplement plans in the market.  These plans are standardized.  This means the plan benefits of any specific plan type are the same - no matter which insurance company you purchase the plan from.  For example: A Medicare supplement G plan purchased from Aetna, will provide the same benefit coverage as an G plan purchased from AARP.)
Price however, is a different story.  The price of plans can vary significantly depending upon where you live, and which insurance company you choose.  Whichever plan you choose for your insurance needs, it must comfortably fit into your budget.


Good to know:  Talk to an independent agent.  An independent insurance agent is an essential resource when purchasing insurance.  An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for.  Working with an independent agent can help make sure that you are getting the best coverage, for the best price.

Valley Hospital Medical Center - Medicare Supplement
Valley Hospital Medical Center
620 Shadow Ln
Las Vegas, NV 89106
Telephone: (702) 388-4000
Plus Code: 5R7M+86 Las Vegas, Nevada




4.  Get in touch with a specialist.

Contacting a Medicare Supplement Plan specialist is the best way to find out about all the Medicare insurance plan options that are available to you.  JustHealthplans.com insurance specialists are happy to assist.  Insurance carriers we work with include:  Blue Cross Blue Shield, Humana, Aetna, Mutual of Omaha, AARP, and more.

 

Medicare Supplement Plan Benefit Comparison

Benefits Medicare Supplement Plans
  A B C D F* G K L M N
                     
Medicare Part A Deductible No 100% 100% 100% 100% 100% 50% 75% 50% 100%
Medicare Part B Deductible No No 100% No 100% No No No No No
Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Medicare Part B coinsurance or copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%**
First three pints of blood 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part A hospice coinsurance or copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Skilled Nursing Facility (SNF) coinsurance No No 100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part B Excess Charges No No No No 100% 100% No No No No
Foreign Travel Emergency (Up to Plan Limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-Pocket Limit*** None None None None None None $5,240 $2,620 None None

*Plan F is also has a high-deductible option.  The F high deductible plan pays for all Medicare-covered expenses after you meet a $2240 annual deductible.
**Office copay exceptions: Some office visits may require a copayment of up to $20.  Emergency room visits may require a copayment of up to $50.
***Plan pays 100% of covered Medicare costs for the remainder of the calendar year once the out-of-Pocket limit is reached.



Give us a call now!   800 721-2618

<