CHOICE ONE HEALTH & LIFE INSURANCE AGENCY
888-618-8734 Nationwide Tollfree
For more information on Medicare Supplements, please
visit our sister site, http://www.medigapsavings.com/.
There is also a lot of Medicare information there,
along with links to governmental info on the subject.
Changes Coming to Medicare Supplements in 2010
Medicare Supplement (Medigap) Plan M & Medicare Supplement (Medigap) Plan N
Beginning June 1st, 2010 Medicare Supplemental Insurance (Medigap) will include two new choices for consumers - Medicare Supplement Plan M and Medicare Supplement Plan N.
At that time Medigap plans E, H, I, and J will be eliminated as the "Preventive Care Benefit" and the "At-home-Recovery" benefit are removed and these plans become identical to other lettered Medicare Supplement plans. Medicare has deemed these two benefits unnecessary in the current Medicare structure. In addition to these changes, a hospice care benefit Co-insurance coverage will be added to all new Medicare Supplement Plans.
Current Medicare Supplement policy holders will be permitted to keep existing Medicare Supplement Insurance policies, however as of June, 2010 enrollment will cease into ALL current plans. It is not necessarily beneficial to purchase one plan over another (purchase the one that fits) because all plans purchased after June 1st will be in the "New" Medicare Supplement Plan policy design. Existing Medicare Supplemental Insurance policies (Policy holders) will be partitioned into one group, and plans purchased after June will be partitioned into new policy groups.
It is not certain that all Medicare Supplement (Medigap) providers will offer the new plans M and N, so a qualified, independent, advisor is suggested. Since most insurance carriers offer several plans it is important to shop around for the best price. Choice One Health can save you a lot of time and effort. Although most brokers represent 1 or 2 companies, we represent MANY medicare plan options, and ALL the top providers. We are also very helpful in explaining the various options available today and the new plans coming next year.
New Medigap Plan Design
Medicare Supplement Plan N will have similar benefits to Plan D, but there will be a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. The co-pay will apply after the $155 deductible is paid. The good news is the cost of these plans is expected to have premiums around 70% of the cost of Plan F or about 77% of current plan D. Medicare Supplement Plan M will also offer similar benefits to Plan D, but will only cover 50% of the part A deducible and none of the part B deductible. The cost of Plan M is expected to price at approximately 85% of Plan F (or 92% of current plan D).
Good news for people who are currently enrolled in a Medicare Advantage Plan who have not been able to switch back to Original Medicare due to health conditions: WE NOW CARRY A GUARANTEED ISSUE PLAN N! Call us about this great new choice!!!
Good news for people who are currently enrolled in a Medicare Advantage Plan who have not been able to switch back to Original Medicare due to health conditions: WE NOW CARRY A GUARANTEED ISSUE PLAN N! Call us about this great new choice!!!
Industry experts are enthusiastic about these changes as consumers will be attracted by the lower premiums. Unfortunately, these plans were designed by academics with zero understanding of what consumers want and we're not certain the design will fit with consumers’ desire, that is, these plans (M & N) do not include the $155 deductible, nor do they include excess charges allowed by most states. However we expect Medicare Supplement Plan N and Medicare Supplement Plan M along with the renewal of all other lettered Medigap plans will provide a real opportunity for consumers. For plan information in your area call us today. A caring agent will provide information on available plans, and answer questions about the best options and lowest premiums available in your area.
Here is a detailed graphic of the NEW Medicare Supplement Plans:
Call us today to learn more or get an instant free quote:
512-836-0053 Austin Metro Area
512-756-7700 Burnet/Marble Falls
888-618-8734 National Toll Free
Here is a detailed graphic of the NEW Medicare Supplement Plans:
Call us today to learn more or get an instant free quote:
512-836-0053 Austin Metro Area
512-756-7700 Burnet/Marble Falls
888-618-8734 National Toll Free
TESTIMONIALS FROM SOME OF MELISSA'S MEDICARE CLIENTS:
"I am 89 years old and I have never had such a sweet, professional,
caring person as Melissa for my agent.
I TRUST HER to find the right health policy for me."
Jo Baird
Austin, TX
******************
"I have dealt with Melissa Anderson at Choice One Health Insurance Agency
for 5 years. When I have any type of insurance question, Melissa
responds immediately by either phone, email or in person. She goes
to great lengths to provide the BEST INSURANCE PLAN AND PRICE.
I am more than thrilled to have Melissa with Choice One as my health insurance agent!!!"
Sandee Roberts
Austin, Texas
******************
"I have had Melissa as my insurance agent for a number of years and
have found her to be more than satisfactory in every way! I depend on her
to find insurance policies that I can rely on since I am 86 years old."
Mae Hedrick
Austin, Texas
******************
Melissa says:
"It means a lot to me that my senior clients are so loyal. It seems that once
they come aboard with me, they stay until the very end. Because I
originally started in insurance due to my grandma's bad experience with an
agent, it is doubly important to me that each client is treated
with tender loving care and honesty.
It's imperative to me that each person with whom I work is well taken
care of. I'm very protective of my clients and I constantly shop the
market to help them keep their premiums low while making sure
they have first class coverage. The bottom line is, I love my clients
and I think they feel the same way about me. What a blessing!!!"
THIS I PROMISE:
If you become my client, I will do everything within my power to make
sure that you get the best policy for your situation at a fair and
reasonable price. I will be honest with you, I will help you if any
problems arise, and I will take care of you as though you are part of my own family!!"
Melissa Anderson
Medigap Specialist
Choice One Health & Life Insurance Agency
P.S. Did you know that now I can enroll many clients by phone? That's right! You don't have to fix your hair or clean your house! Just call me from the comfort of your home and ask for a fast, free quote on a Medigap plan. If you like the price, I can help you get enrolled without ever having to see an agent face-to-face!
Of course, if you still prefer a good old-fashioned visit, we can do that!!!
"I am 89 years old and I have never had such a sweet, professional,
caring person as Melissa for my agent.
I TRUST HER to find the right health policy for me."
Jo Baird
Austin, TX
******************
"I have dealt with Melissa Anderson at Choice One Health Insurance Agency
for 5 years. When I have any type of insurance question, Melissa
responds immediately by either phone, email or in person. She goes
to great lengths to provide the BEST INSURANCE PLAN AND PRICE.
I am more than thrilled to have Melissa with Choice One as my health insurance agent!!!"
Sandee Roberts
Austin, Texas
******************
"I have had Melissa as my insurance agent for a number of years and
have found her to be more than satisfactory in every way! I depend on her
to find insurance policies that I can rely on since I am 86 years old."
Mae Hedrick
Austin, Texas
******************
Melissa says:
"It means a lot to me that my senior clients are so loyal. It seems that once
they come aboard with me, they stay until the very end. Because I
originally started in insurance due to my grandma's bad experience with an
agent, it is doubly important to me that each client is treated
with tender loving care and honesty.
It's imperative to me that each person with whom I work is well taken
care of. I'm very protective of my clients and I constantly shop the
market to help them keep their premiums low while making sure
they have first class coverage. The bottom line is, I love my clients
and I think they feel the same way about me. What a blessing!!!"
THIS I PROMISE:
If you become my client, I will do everything within my power to make
sure that you get the best policy for your situation at a fair and
reasonable price. I will be honest with you, I will help you if any
problems arise, and I will take care of you as though you are part of my own family!!"
Melissa Anderson
Medigap Specialist
Choice One Health & Life Insurance Agency
P.S. Did you know that now I can enroll many clients by phone? That's right! You don't have to fix your hair or clean your house! Just call me from the comfort of your home and ask for a fast, free quote on a Medigap plan. If you like the price, I can help you get enrolled without ever having to see an agent face-to-face!
Of course, if you still prefer a good old-fashioned visit, we can do that!!!