Patrice A. Harris MD

Seema Verma CMS approves Section 1135 Wavier

seema verma cms
Seema Verma, CMS Administrator

CMS Approves Section 1135 Wavier for 13 States

On March 23, 2020, the Centers for Medicare and Medicaid Services (CMS) approves Section 1135 Wavier for 13 states. The waiver gives states new “flexibility” to provide needed healthcare services during the Coronavirus COVID-19 pandemic. According to CMS Administrator Seema Verma, “These waivers give a broad range of states the regulatory relief and support they need to more quickly and effectively care for their most vulnerable citizens.”

CMS approves waivers in the following 13 states:

  • Alabama
  • Arizona
  • California
  • Illinois
  • Florida
  • Louisiana
  • New Jersey
  • Mississippi
  • New Hampshire
  • New Mexico
  • North Carolina
  • Virginia
  • Washington

The Benefits of Section 1135 Waiver

Seema Verma says the 1135 Wavier removes all “unnecessary administrative and bureaucratic barriers that may hinder an effective response to this public health emergency.” In general, the wavier removes red tape that can hamper access to needed health care services. For example, the wavier streamlines the provider enrollment processes so more providers can care for beneficiaries. As a result, providers who are not already enrolled in Medicare may “provisionally, temporarily” enroll and CMS will waive the following:

  • Payment of application fee
  • Criminal background checks
  • Site visits
  • In-State/territory licensure requirements
blu-med field hospital
Temporary field hospital

For any “fee-for-service” healthcare plans, which include some Medicare Advantage plans, Section 1135 wavies prior authorization requirements. In other words, you do not need pre-approval. For example, you do not need a referral from a primary care physician to get the health care you need during this COVID-19 pandemic.

Furthermore, the waiver allows care to be provided in an alternative setting. For example, a provider’s facility becomes inaccessible due to a large volume of COVID-19 patients, the wavier allows you to get care in a temporary shelter (field hospital).

Overall, the waiver enables states to focus their resources on combatting the COVID-19 pandemic and provide the health care you need.

4 parts of medicare

Medicare Parts coverage and cost in 2020

What do Medicare Parts cover and cost in 2020?

There are 4 parts of Medicare: Part A, Part B, Part C, and Part D.

  • Part A covers inpatient hospital services.
  • Part B covers outpatient medical services.
  • Part C is Medicare Advantage plan offered by private companies approved by Medicare.
  • Part D provides prescription drug coverage to lower the cost you pay for medications.

Before you receive any of the health benefits above, you must first pay Part A deductible of $1408 in 2020. However, you can avoid paying this cost by having a Medicare Supplement plan.

Embed and download 4 Parts of Medicare infographic

What does Medicare Part A cover and cost in 2020?

According to Medicare.gov, Part A covers the following:

  • Inpatient hospital care
  • Skilled Nursing Facility care
  • Long-term Care Hospitals
Medicare Part A - Hospital

Inpatient Hospitals Coverage and Cost in 2020

The first 60 days of inpatient care is covered by Medicare Part A. In other words, you pay $0 coinsurance for eash 60 day benefit period. For example, you can be a hospital inpatient multiple times per year and each hospital stay will cost you nothing so long as each stay is 60 days or less. However, hospital stays between 61 days and 90 days will cost you $352 coinsurance per day in 2020.

Skilled Nursing Facility

Skilled Nursing Facility Coverage and Cost in 2020

Medicare Part A also covers 20 days of care in a Skilled Nursing Facility (SNF). Specifically, you pay $0 coinsurance for each 20 day benefit period. Some of the benefits of SNF include physical therapy, meals, and dietary counseling. Therefore, you can get short-term skilled nursing care multiple times per year for no cost so long as each stay is 20 days or less. However, SNF stays between 21 days and 100 days will cost you $176 per day in 2020.

Long-term Care Hospital Coverage and Cost in 2020

Medicare Part A covers the first 60 days in a Long-term Care Hospital (LTCH). In particular, the cost of LTCH is $0 for each 60 day benefit period under the following conditions.

  • You are transferred to a LTCH directly from an acute care hospital.
  • You are admitted to a LTCH within 60 days of being discharged from a hospital.

If the above conditions do not apply, then you must pay $1364 deductible in 2020 before Medicare will pay anything. Furthermore, LTCH stays from 61 days to 90 days will cost you $341 coinsurance per day in 2020.

Medicare Part A - Long-Term Hospital Care

What does Medicare Part B cover and Cost in 2020?

Medicare Part B covers the following services:

  • Medical outpatient services for stays at any hospital or medical facility for less than 24 hours. For example, a stay that occurs overnight but for less than 24 hours is outpatient service.
  • Preventive services to prevent illness such as seasonal flu-shot and annual wellness visits.
first aid kit

Medicare Outpatient Coverage and Cost in 2020

Original Medicare covers 80% of medically necessary services and supplies. These Part B medical services include:

Before Medicare pays for these medical services and supplies, you must first pay Part B deductible of $198 in 2020. Furthermore, you are responsible to pay the 20% that Medicare does not cover. However, Medicare Supplement Plan C and Plan F pay Part B deductible and your 20% coinsurance.

Medicare Preventive Coverage and Cost in 2020

Medicare preventive services cover screening tests that help detect health conditions at early stages when treatment is most effective. In the tables below, we list 31 preventive tests covered by Medicare Part B. 

Medicare Part B preventive screening table 1
Click to view larger table size
Medicare Part B preventive screening table 2
Click to view larger table size

In the tables above, 71% of these screening tests are free after you pay the $198 Part B deductible. Furthermore, 19% of tests require payment of Part B deductible and 20% coinsurance. Finally, 10% of tests you pay absolutely nothing: neither Part B deductible nor 20% coinsurance. These preventive screening tests are completely FREE:

  • Nutrition Therapy Service – you pay nothing if you have diabetes or kidney disease.
  • “Welcome to Medicare” preventive visit – you pay nothing as long as the doctor does not perform additional tests or services.
  • Yearly Wellness Visit – is free every 12 months as long as the doctor does not perform additional tests or services.

To receive Part B coverage you need to pay a monthly premium. In 2020, the standard premium for Part B is $144.60.

What does Medicare Part C cover and cost in 2020?

Part C Medicare Advantage network
MA plans have a network of doctors, hospitals, and other medical services.

Medicare Part C is an alternative to Original Medicare and covers Part A (Hospital Insurance) and Part B (Medical Insurance). Part C is also known as Medicare Advantage (MA) Plan.

Medicare Advantage (MA) Coverage

MA plans often include Medicare Part D prescription drug coverage. Moreover, many MA plans include extra benefits not covered by Original Medicare. For example, MA plans may include dental, vision, and hearing. Some MA plans even include gym memberships such as Silver Sneakers! MA plans are offered through a network of healthcare providers HMO or PPO.

Medicare Advantage (MA) Costs

To enroll in Medicare Advantage Plan (Part C) you must first be enrolled in Part A and Part B. Most Seniors pay no premium for Part A. However, you will have to pay Part B monthly premiums. In 2020, the standard premium for Part B is $144.66. Furthermore, you will need to pay a monthly Part C premium. According to The Kaiser Family Foundation, the average Medicare Advantage Plan premium is $36 in 2020.

When you add standard Part B and average MA premiums, the total monthly cost is $180.66 in 2020. Conversely, Original Medicare Part B and Part D premiums only cost $177.34 in 2020. However, you may be thrilled to get a gym membership for only a few extra dollars per month!

You can choose a lower premium MA plan. As a result, you may be excited to pay less every month. However, these MA plans will have higher deductibles, copays, and larger out-of-pocket limits. Consequently, the cost to use your health insurance will be much higher. You can avoid these excessive costs by choosing an MA premium of $40 or more.

What does Medicare Part D cover and cost in 2020?

 Part D drug plan
Part D drug plans save you money

Part D saves you money on prescription drugs. Specifically, it reduces your cost for brand-name and generic drugs. For example, rather than paying the full retail price for medications, you only pay small copayments with Part D. To join a Part D drug plan, you must be enrollment in certain parts of Medicare.

How to Join a Drug Plan

You must have either Part A or Part B to join a stand-alone Part D drug plan with Original Medicare. However, you must have both Part A and Part B to join a Medicare Advantage plan.

Part D Costs for Original Medicare and MA Plans

To enroll in Part D with Original Medicare you need to have either Part A or Part B. However, most people have both Part A and Part B coverage. Since private health insurance companies such as Aetna, Mutual of Omaha, and AARP provide drug coverage, the price you pay will vary.

Part D drug costs in 2020 

All Part D drug plans a monthly Part D premium. This amount will depend on the income reported on your 2018 tax return. Some Part D plans have an annual deductible which can not be more than $435 in 2020. However, other drug plans may have little or no deductible. 

After the out-of-pocket deductible, you pay either a copay or coinsurance for each prescription drug. For example, $10 copay for all drugs on a tier or 25% of the drug cost. Furthermore, after you and your drug plan spend a certain amount, you enter a coverage gap called the donut hole.

Donut Hole Costs in 2020

In 2020, you will enter the donut hole and pay 25% coinsurance for both brand-name and generic drugs when your drug plan spends $4,020. After total out-of-pocket drug costs are $6,350 in 2020, you exit the donut hole.

Want More Help with Medicare Parts?

You can speak with a licensed agent at 1-855-368-4717 and get more help with the 4 parts of Medicare: A, B, C, and D. Our team is very experienced at explaining Medicare parts and how they work. 

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Seema Verma

Medicare Telehealth Coverage Expands

Telehealth Coverage expands amid Coronavirus Pandemic

New change to Medicare Telehealth due to the Coronavirus (COVID-19) Public Health Emergency. Seniors can now access telehealth services in their homes. On March 17, 2020, CMS Administrator Seema Verma says: 

Medicare Telehealth

“These changes allow seniors to communicate with their doctors without having to travel to a healthcare facility so that they can limit the risk of exposure and the spread of this virus.”

– Seema Verma

Moreover, these changes apply to more than just doctors. You can also receive telehealth services from the following healthcare providers:

  • Physicians
  • Physician Assistants
  • Nurses
  • Psychologists
  • Social Workers
  • Registered Dietitians

All of these clinicians can now safely provide virtual care services while protecting our seniors from the coronavirus.  On March 17, 2020, the American Medical Association (AMA) President Patrice Harris, MD, applauds this Medicare telemedicine policy change. She says:

This important Medicare policy change supports social distancing measures and slows the spread of the novel coronavirus, while providing safe screening and treatment to patients through remote care.

– Patrice Harris, MD

Moreover, Doctor Harris says, “The use of telemedicine and remote services are critical to the management of COVID-19, while also ensuring uninterrupted care for 100 million Americans with chronic conditions.” This policy change expands Medicare telehealth benefits to the vast majority of people on Medicare.

Who is eligible for Medicare Telehealth?

Anyone with Medicare Part B (Medical Coverage) is eligible for Medicare Telehealth benefits. This includes people who have Original Medicare, Medicare Advantage Plans, and Medicare Supplement Plans. However, anyone with only Medicare Part A is not eligible for telehealth benefits.

Trump Expands Telehealth Benefits

Robert Bache, owner of Senior Healthcare Direct, breaks the Medicare news on president Trump’s expansion of Telehealth benefits. Watch the MedicareBob video below for more informaiton.

Trump Expands Medicare TeleHealth Benefit

Breaking News: Coronavirus update 03/18/2020: President Trump expands Medicare and Medicare Advantage Plan's TeleHealth

Posted by Senior Healthcare Direct on Wednesday, March 18, 2020

Watch more MedicareBob videos by following us on Facebook.

Medicare Telehealth Communication 

Medicare Telehealth allows you to communicate with a healthcare professional using a real-time audio/video system. For example, you may be able to use your smartphone or any other device with video technology, like a tablet or laptop. In addition, you can use telehealth services for virtual check-ins over the phone with your doctor. Furthermore, you can communicate without going to your doctor’s office by using an online patient portal for e-visits.

Medicare Telehealth Coverage and Cost

Medicare Telehealth is covered by Medicare Part B. Telehealth services can include virtual check-ins and e-visits. Moreover, Part B covers coronavirus testing. Original Medicare only covers 80% of Part B costs. Therefore, you may need to pay 20% coinsurance and Part B annual deductible of $198 in 2020. However, Medicare beneficiaries with Medicare Supplement Plan will not pay Part B coinsurance (expect plans K and L).

Related Article: Coronavirus Tips to Stay Safe

About Brian Kondas

Brian Kondas writes well-researched, high-quality, and accurate content for Senior Healthcare Direct. Brian writes about Medicare-related topics including the Coronavirus. Moreover, Brian search engine optimizes (SEO) content, so it ranks higher in search engines and drives organic traffic. Furthermore, Brian produces high-quality digital images, videos, and infographics. Follow him on Twitter @KondasBrian

Customer Support Team

Medicare Questions phone number

Medicare Questions? Call our Phone Number

Get answer to your Medicare Questions by calling Senior Healthcare Direct phone number 1-855-368-4717. We will continue to remain open for business during the Coronavirus pandemic. Our customer support team will work remotely from the safety of their home to answer your Medicare questions. For example, we can answer your Medicare billing and coverage questions. Robert Bache, owner of Senior Healthcare Direct, is taking steps to ensure the safety of our staff and the continued support of our clients. Watch the short video below for more details.

Medicare Billing Questions

As a Medicare Insurance Broker, Senior Healthcare Direct can assist you for the life of your Medicare policy. We have a dedicated Customer Support Team of 8 full-time employees on call to quickly work to resolve your Medicare issues. For example, if you have a billing error, we can help you fix it. In addition, we can help you file a Medicare appeal. According the Medicare.gov you can file an appeal if Medicare or your plan denies any of the following:

  • Your request to get a health care service, item, or drug you think should be covered, provided, or continued.
  • Your request for payment for a health care service, item, or drug you already got.
  • Finally, your request to change the amount you pay for a health care service, item or drug.

How We Help Clients with Medicare Appeals

medicare questions phone number
Bonnie Creais, Medicare customer support

Bonnie Creais, member of our Customer Support Team, helps our clients with Medicare appeals. Here’s how Senior Healthcare Direct helps you with Medicare Appeals:

  1. Clients supply us with the actual bill and the full Medicare Summary of Benefits (S.O.B.)
  2. Clients fill out their information on the last page of the S.O.B. and fax it to us
  3. We write the appeal on behalf of our client and send the client and Medicare a copy of the appeal
  4. Medicare has 60 days to decide on the appeal and sends the client it’s decision
  5. Finally, client calls and/or sends us a copy of the appeal and we explain the decision to the client

Bonnie says, “I have only lost one appeal which I knew would happen, but this particular client needed to see it in writing from Medicare.” Clients who need help with Medicare billing or appeal are welcome to call Senior Healthcare Direct at 1-855-368-4717.

Medicare Coverage Questions

Senior Healthcare Direct works with 30 different A-rated Medicare insurance companies to provide many coverage options. For example, we offer Medicare Supplement Plans and Medicare Advantage Plans nationwide. In addition, we offer Original Medicare and Medicare Part D prescription drug plans. To answer your Medicare coverage questions call our phone number at 1-855-368-4717.

Common Questions about calling our Phone Number

Who do you call for Medicare questions?

Call Senior Healthcare Direct at 1-855-368-4717.

When can I call Senior Healthcare Direct?

Call anytime between 9am – 7pm Eastern Time.

Can I leave a voicemail message?

Yes, you can record a message and we will call you back.

UnitedHealthcare Medicare Supplement Plans

UnitedHealthcare Medicare Supplement Plans

UnitedHealthcare Medicare Supplement Plans

UnitedHealthcare is a Top Medicare Supplement insurance company that provides 9 Medigap Plans: A, B, C, F, High deductible F, G, K, L, and N. United Healthcare Medicare Supplement plans include the following coverage benefits.

Medicare Part A Hospital Coverage

United Healthcare Medigap plans cover Medicare Part A coinsurance costs. For example, you are inpatient at Long-Term Care Hospital (LTCH), Original Medicare covers Part A deductible $1408 in 2020 for the first 60 days for plans C, F, G, and N. However, does not cover Part A deductible for plans A and B. Furthermore, Part A deductible is only covered 50% on plan K and 75% on plan L.

In addition, United Healthcare plans pay for the following hospital services:

  • After the first 20 days in a skilled nursing facility, plans C, F, G, and N pay $176 coinsurance in 2020 up to 100 days. However, Medigap plans A and B have no skilled nursing facility benefits. However, plan K pays 50% coinsurance. In other words, you pay half. Likewise, plan L pays 75% coinsurance. So you pay 25%.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTHC), all plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • When a hospital has to buy blood for you, the first 3 pints of blood is covered by all plans except K and L. Medigap plan K covers 50% blood cost. Thus, you pay the other half. Medigap plan L covers 75% blood cost. So you pay 25%.

Long-Term Care Hospitals (LTCH) can treat inpatients for stays longer than 25 days. For example, patients may include people on ventilators for extended periods of time. In other cases, patients may have severe wounds or head injury.

UnitedHealthcare Medigap Plans in 2020

Robert Bache, owner of Senior Healthcare Direct, goes through all UnitedHealthcare Medicare Supplement plans. In the video below, Robert says, “You can only get Plan C if you were eligible for Medicare before January 1, 2020”. Furthermore, if you are newly eligible for Medicare on or after January 1, 2020, then you are not eligible to purchase Plan C. Likewise, you can only get Plan F if were eligible for Medicare prior to January 1, 2020. Consequently, you can not purchase Plan F if you are newly eligible for Medicare in 2020. Watch the video to find out which UnitedHealthcare Medicare Supplement plan is Robert’s favorite with low premiums.

Medicare Part A Deductible

Every UnitedHealthcare Medigap plan covers and pays Part A deductible $1408 in 2020 except plans A, K, and L. Specifically, UnitedHealthcare plans B, C, F, high deductible F, G, and N all pay 100% of Part A deductible. However, plan K pays 50% and plan L pays 75% of Part A deductible. For example, if you had UnitedHealthcare plan K and were admitted as inpatient at Long-Term Care Hospital, you would have to come out of pocket $704 before Medicare pays anything.

Medicare Part B Medical Coverage

Medicare Part B ambulance services

All UnitedHealtcare Medigap plans cover Part B coinsurance costs except plans K and L. For example, you need to use ambulance service to be transported to the nearest medical facility. As a result, Original Medicare Part B covers only 80%. With UnitedHealthcare Medigap plans A, B, C, F, high deductible F, G, and N the other 20% is covered. However, plan K pays 50% and plan L pays 75% of your 20% ambulance service. In addition, you will need to pay Part B annual deductible of $198 in 2020 if you have plans A, B, G, K, L, and N. However, the Part B deductible is covered by plans C and F.

In addition, United Healthcare Medicare Supplement plans cover the pay for the following medical services:

  • When colorectal cancer screening discovers the presence of abnormal tissue (polyp) and the doctor removes a sample for later examination, UnitedHealthcare plans pay the 20% coinsurance for you.
  • After you pay $198 Part B deductible in 2020 (except plans C and F), UnitedHealthcare plans pay 20% coinsurance cost for diabetes self-management training.
  • For men over the age of 50, UnitedHealthcare plans pay 20% coinsurance cost for prostate cancer digital rectal exam after you pay $198 Part B deductible (except plans C and F).

United Healthcare Medicare Supplement plans F and C cover and pay the $198 Part B deductible for you. In addition, Medigap plan N may require Part B copayments for some medical services.

United Healthcare Medicare Supplement Plan N

UnitedHealthcare Medigap plan N will require you to pay Part B copayments in the following cases:

  • Outpatient visits to a medical facility will require you to pay up to $20 per visit
  • Outpatient Emergency room visits will cost you $50 copayment

The only exception to paying Part B copayment is staying at a medical facility for 24 hours or longer as inpatient. Otherwise, any outpatient medical services will result in you paying Part B copayment.

What is not covered by Medigap Plan N?

Medicare Supplement Plan N does not cover the annual Part B deductible of $198 in 2020. Furthermore, it does not cover Part B excess charges. Thus, UnitedHealthcare Medigap Plan N requires you to pay the annual $198 Part B deductible before UnitedHealthcare will cover any medical services.

Compare UnitedHealthcare Medigap Plans

You can use the chart below to compare Medigap benefits side by side for all UnitedHealthcare plans. Benefits marked X do not cover that benefit. The 100% indicated the full benefit is covered. Other percentages only cover the benefit by that amount. For example, some plan K benefits only pay 50%. As a result, you would be responsible to pay the other half.

UnitedHealthcare Medicare Supplement Plans
Click this United Healthcare Medigap Plan Comparison chart to embed or download

UnitedHealthcare Medicare Supplement Plans F and G

UnitedHealthcare plans F, high deductible plan F, and G are the only Medigap plans which pay Medicare Part B excess charges. You can be charged Part B excess charges when your doctor does not accept Medicare assignment. For example, a non-participating doctor can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% excess charge without Medigap F or G. For instance, 15% of medicare-approved price is $400 would result in you paying $60 excess charge. However, if you have UnitedHealthcare Medicare Supplement Plan F or G, you can avoid Part B excess charges.

How to Avoid Medicare Part B Excess Charges

The easiest way to avoid Medicare Part B excess charges is to enroll Medigap plan F or G. Otherwise, you will need to check if your doctor accepts Medicare assignment. The Physician Compare tool shows you whether your doctor accepts Medicare assignment or not.

Shop and Compare Medigap Plan Prices

There are a number of benefits to using a Medicare insurance broker like Senior Healthcare Direct. A huge benefit is you can compare any Medigap plan with over 30 A-rated insurance carrier at Senior Healthcare Direct. This includes insurance brands you know and trust such as UnitedHealthcare, Aetna, Mutual of Omaha, Anthem Blue Cross, and State Farm. For example, you can compare Medigap Plan G prices with multiple carriers and choose the best price to save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

Medigap Plan quote button

Commonly Asked Questions About UnitedHealthcare

Does UnitedHealthcare include SilverSneakers?

No, it does not include Silver Sneakers. However, it does include a gym membership called Renew Active.

Why did UnitedHealthcare drop SilverSneakers?

UnitedHealthcare dropped Silver Sneakers because 90 percent of UCH members who are eligible for SliverSneakers did not use the benefit.

Medicare Card

What is my Medicare Claim Number?

Medicare Claim Number
Use your Medicare Number to submit Medicare claims

What is my Medicare Claim Number?

Your Medicare Claim Number is the number that Medicare uses to file your claims. The number format is 11 characters in length, consisting of only numbers and uppercase letters. You must submit Medicare claims using this number, also known as a Medicare Beneficiary Identifier (MBI). This Medicare Number appears on your Medicare card.

Medicare Number Example

In the sample Medicare Card, the 11 digit example Medicare Number 1EG4-TE5-MK72 is the Medicare Claim Number. Medicare Numbers do not use letters S, L, O, I, B, and Z to avoid confusion between some numbers (for example, between the letter “O” and number “0”).

How do I get my Medicare Number?

You get your Medicare Number from your Medicare Card. If you are new to Medicare, you may need to apply for Medicare before you get a Medicare card. If you damaged or lost your Medicare card, log in to your MyMedicare.gov account to print an official copy of your Medicare card. Otherwise, you can create a new account.

Related Article: Medicare Part B application

How do I file a Medicare claim?

First, you complete the claim form called Patient Request for Medical Payment form. Then you include the itemized bill from your doctor, supplier, or other health care provider. Finally, you provide a letter explaining the reason for the claim. For example, the provider refuses to file the claim. Furthermore, you can include any supporting documents.

Common Questions about Medicare Numbers

Do the characters in my Medicare number have any meaning?

No, the characters in your Medicare number are random.

Is my Medicare number unique?

Yes, each Medicare Number is unique. So your Medicare number should be different from all other Medicare numbers.

Is my Medicare number the same as my social security number?

No, your Medicare number is different from your social security number.

When did my Medicare number change?

Your Medicare number changed between April 2018 – April 2019.

Mutua of Omaha Medicare Supplement Plans

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha is a Top Medicare Supplement insurance company and offers the Medigap Plans A, F, High deductible F, G, and N. Specifically, Mutual of Omaha Medicare supplement plans include the following coverage benefits.

Medicare Part A Hospital Coverage

All Mutual of Omaha Medigap plans cover Medicare Part A coinsurance costs. For example, you are inpatient at skilled nursing facility, Original Medicare only pays 80% of your Part A hospital coverage. However, any Mutual of Omaha Medigap plan will pay the remaining 20%. In addition, Mutual of Omaha plans pay for the following hospital services:

  • After the first 20 days in a skilled nursing facility, Mutual of Omaha plans pay $176 coinsurance in 2020 (except plan A) up to 100 days. That’s a $14,080 benefit.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTCH), Mutual of Omaha plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • When a hospital has to buy blood for you, the first 3 pints of blood is covered by Mutual of Omaha plans.

Skilled Nursing Facility care includes Medicare-covered services such as semi-private room (shared with other patients), meals, and medications. In a skilled nursing facility, you can receive physical therapy, occupational therapy, and dietary counseling. When other transportation endangers your health, you can get ambulance transportation to another facility nearby.

Mutual of Omaha Medigap Plans in 2020

MedicareBob aka Robert Bache, owner of Senior Healthcare Direct, goes through all Mutual of Omaha Medigap plans. In the video below, Robert says, “You can only purchase Plan F if you were eligible for Medicare before January 1, 2020”. In other words, anyone newly eligible for Medicare in 2020 can not buy Medigap plan F. Watch the video to find out how much of a discount Mutual of Omaha offers on Plan G and why MedicareBob calls Plan G the greatest value.

Medicare Part A Deductible

Every Mutual of Omaha Medigap plan covers and pays Part A deductible $1408 in 2020 except plan A. In other words, Mutual of Omaha plans F, high deductible F, G, and N all cover Medicare Part A deductible. For example, if you had Mutual of Omaha plan A and became inpatient at Skilled Nursing Facility, you would have to come out-of-pocket $1408 before Medicare pays anything.

Medicare Part B Medical Coverage

All Mutual of Omaha Medigap plans cover Part B coinsurance costs. For example, you get glaucoma test because you are at high risk for glaucoma. As a result, Original Medicare only covers 80%. With any Mutual of Omaha Medigap plan it covers the other 20%. You are at high risk for glaucoma if you have one or more of the following:

Medicare Part B medical coverage glaucoma test
  • Diabetes
  • Family history of glaucoma
  • African American age 50 or older
  • Hispanic age 65 or older

Moreover, for glaucoma tests you pay Medicare Part B deductible $198 in 2020 for all Mutual of Omaha Medigap plans except plan F. Glaucoma causes blindness. Vision loss from glaucoma is not reversible. In other words, there is no medical treatment to reverse glaucoma disease. However, if testing detects glaucoma, your eye doctor can prscribe preventive treatment. Thus, it is important you have regular eye exams.

In addition, Mutual of Omaha Medicare Supplement plans cover and pay for the following medical services:

  • When colorectal cancer screening discovers the presence of abnormal tissue (polyp) and the doctor removes a sample for later examination, Mutual of Omaha plans pay the 20% coinsurance for you.
  • After you pay $198 Part B deductible in 2020 (except plan F), Mutual of Omaha plans pay 20% coinsurance cost for diabetes self-management training.
  • For men over the age of 50, Mutual of Omaha plans pay 20% coinsurance cost for prostate cancer digital rectal exam after you pay $198 Part B deductible in 2020 (except plan F).

Mutual of Omaha Medicare Supplement Plan F covers and pays the $198 Part B deductible for you. In addition, Medigap Plan N may require Part B copayments for some medical services.

Mutual of Omaha Medicare Supplement Plan N

Mutual of Omaha Medigap Plan N may require you pay Part B copayments in the following cases:

  • Visits to some medical offices may require you to pay up to $20 per visit
  • Emergency room visits when you are not admitted as inpatient may require you to pay up to $50 copayment

What is not covered by Medigap Plan N?

Medicare Supplement Plan N does not cover the annual Part B deductible of $198 in 2020 nor does it cover Part B excess charges. Thus, Mutual of Omaha Medigap Plan N requires you to pay an annual $198 Part B deductible before Mutual of Omaha will cover any medical services.

Compare Mutual of Omaha Medigap Plans

Use the chart below to compare Medigap benefits side by side for all Mutual of Omaha Plans: A, F, High deductible F, G, and N. The spaces marked X do not cover that benefit. Foreign Travel Emergency benefit only covers 80%. As a result, Medicare beneficiaries pay the remaining 20%.

Mutual of Omaha Medicare Supplement benefits chart
Click this Mutual of Omaha Medigap Comparison chart to embed or download

Mutual of Omaha Medicare Supplement Plans F and G

Mutual of Omaha plans F, high deductible F, and G are the only plans which cover and pay Medicare Part B excess charges. You can be charged Part B excess charges when your doctor does not accept Medicare assignment. For example, a non-participating doctor can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% additional charge without Medigap Plan F or G. In other words, if you have Mutual of Omaha Medicare Supplement Plan G or F, you can avoid Part B excess charges.

How to Avoid Medicare Part B Excess Charges

Apart from having Medigap Plan G or F, you can avoid Medicare Part B excess charges by checking if your doctor accepts Medicare assignment. The Physician Compare tool allows you to view which doctors accept Medicare Assignment.

Shop and Compare Medigap Plan Prices

A Medicare insurance broker like Senior Healthcare Direct can shop your Medigap plan with all major insurance carriers in your area so you get the best price. Senior Healthcare Direct can compare Medigap plan prices for whichever plan best suits your needs. For example, we can compare Medigap Plan G prices with insurance brands you know and trust such as Aetna, Mutual of Omaha, Anthem Blue Cross, UnitedHeathcare, and State Farm.When you shop and compare plan prices with multiple carriers you can choose the best price and save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

get quote button
Aetna Medicare Supplement Plans

Aetna Medicare Supplement Plans

Aetna Medicare Supplement Plans

Aetna Medicare Supplement Plans

Aetna is a Top Medicare Supplement insurance company and offers the following Medigap plans: A, B, F, High deductible F, G, and N. Aetna’s Medicare supplement plans include the following benefits no matter which plan you choose.

Medicare Part A Hospital Coverage

All plans include 100% coverage for Medicare Part A coinsurance. For example, if you get admitted as hospital inpatient, Original Medicare Part A only covers 80% of your hospital bills. However, all Aetna Medigap plans will cover the other 20%. In addition, Aetna supplement plans cover and pay the following hospital services:

  • After the first 20 days of skilled nursing, Aetna plans pay $176 coinsurance in 2020 (except plans A and B) up to 100 days. That’s a $14,080 benefit.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTCH), Aetna plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • When a hospital has to buy blood for you, the first 3 pints of blood is covered by Aetna plans.

Long-term Care Hospitals are designed to treat patients for periods longer than 25 days. For example, these hospitals may treat patients on ventilators for an extended period of time or patients with severe wound or head injury. Since LTCH is not a skilled nursing facility, all Aetna Medigap plans cover this benefit.

Aetna Medigap Plans in 2020

Robert Bache, owner of Senior Healthcare Direct, goes through all the Aetna Medigap plans including household discounts which lowers your monthly premiums.

Medicare Part A Hospital Deductible

All Aetna Medigap plans cover and pay Part A deductible $1408 in 2020 except plan A. In other words, Aetna plans B, F, high deductible F, G, and N all cover Medicare Part A deductible. For example, if you had Aetna Medigap plan A and were admitted to the hospital as inpatient, you would have to come out-of-pocket $1408 before Medicare covered any of your hospital bills.

Medicare Part B Medical Coverage

In addition, every Aetna Medigap plan includes 100% coverage for Medicare Part B coinsurance. For example, when you visit a doctor’s office for outpatient service, Original Medicare Part B only covers 80% of your medical bills. With any Aetna Medigap plan it covers the other 20%. In addition, Aetna supplement plans cover and pay for the following medical services:

  • When colorectal cancer screening discovers the presence of abnormal tissue (polyp) and the doctor removes a sample for later examination, Aetna plans pay the 20% coinsurance for you.
  • After you pay $198 Part B deductible in 2020 (except plan F), Aetna plans pay 20% coinsurance cost for diabetes self-management training.
  • For men over the age of 50, Aetna plans pay 20% coinsurance cost for prostate cancer digital rectal exam after you pay $198 Part B deductible in 2020 (except plan F).

Aetna Medicare supplement plan F covers and pays the $198 Part B deductible for you. In addition, Medigap plan N may require Part B copayments for some medical services.

Aetna Medicare Supplement Plan N

Aetna Medigap Plan N may require you pay Part B copayments in the following cases:

  • Some medical office visits may require you to pay up to $20 per visit
  • Emergency room visits which do not result in inpatient admission may require up to $50 copayment

Compare Aetna Medigap Plans

You can use the chart below to compare Aetna Medigap Plans A, B, F, G and N. The spaces marked X do not cover that benefit. Foreign Travel Emergency benefits cover 80%. Consequently, the Medicare beneficiary pays the remaining 20% of the Medicare-approved amount.

Aetna Medicare Supplement Plans
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Aetna Medicare Supplement Plans F and G

Aetna Medigap plans F, high deductible F, and G differ from other plans Aetna plans. Only these Aetna Medicare Supplement plans cover and pay Medicare Part B excess charges. Most doctors accept Medicare assignment and submit claims directly to Medicare. In this case, you are billed the Medicare approved amount. These doctors are called participating doctors. However, non-participating doctors can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% additional charge without Medigap Plan F or Plan G. In other words, if you have Aetna Medicare supplement plan G or F, you can avoid Part B excess charges.

However, if you do not have Medigap plans F or G, you can still avoid a Medicare Part B excess charges. You will need to research your doctor by using the Physican Compare tool and check if your doctor accepts Medicare Assignment.

How Does Aetna Prices Compare?

When you shop Medicare Supplement plans with a Medicare insurance broker like Senior Healthcare Direct, we can find you the best prices. We sell Medigap plans from all major insurance carriers such as Aetna, Mutual of Omaha, UnitedHealthcare and Anthem Blue Cross, and State Farm. When you compare prices of Medigap plans with multiple carriers, you can get the best price and save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

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Coronavirus COVID-19

Medicare Part B covers Coronavirus Test

Medicare Part B covers Coronavirus Test

conoravirus test

Anyone who gets flu like symptoms is advised to call your doctor and get the Coronavirus test. This virus which causes a disease called COVID-19 is covered by Medicare Part B if you get the test on or after February 4, 2020. The Coronavirus test can diagnose or rule out whether or not you have the virus. However, your provider will have to wait until after April 1, 2020 to submit a claim to Medicare for this test. In the video below, Robert Bache will talks more about Medicare Part B and the cost of the Coronavirus test.

What Does The Coronavirus Test Cost?

Watch this video to find out what it costs to get tested for the Coronavirus (COVID-19).

Who Does Coronavirus Kill?

The Conoravirus kills people with a weakened immune system who have a reduced ability to fight infections. This may be caused by certain diseases or conditions such as cancer or diabetes. It may be caused by certain medications or treatments such as anitcancer drugs. Thus, seniors with these types of health conditions are at higher risk.

Basic Protective Measures Against COVID-19

The World Health Organization says most people who become infected experience mild illness and recover, but it can be more severe for others. You can protect yourself against COVID-19, the infectious disease caused by the new coronavirus, by taking the following protective measures:

Maintain Social Distancing

Coronavirus is spread from person to person mainly through droplets produced when an infected person speaks, coughs or sneezes. These droplets can land in the mouths or noses of people who are nearby. However, these droplets only travel about 3 feet and quickly settle on surfaces. The virus can survive for some time on surfaces. So it is wise to clean surfaces regularly.

Avoid Touching eyes, nose and mouth

Hands touch many surfaces which can be contaminated with the virus. Thus, you should avoid touching your eyes, nose or mouth since contaminated hands can transfer the virus to you.

Practice Respiratory Hygiene

When you cough or sneeze, cover your mouth and nose with the bend of your elbow or use a disposable tissue. Then discard the used tissue immediately into a closed bin.

Wash Your Hands Frequently

The most effective way to prevent the spread of the Coronavirus is to clean your hands frequently with an alcohol-based hand rub or wash with soap and water. This will eliminate the virus if it is on your hands.

Preventing the Spread of The Coronavirus

You can help prevent virus infection by minimizing social contact, washing your hands often, and avoid touching your face. For example, you can minimize the risk of getting Coronavirus by avoiding crowds. In addition, you can watch for symptoms of COVID-19 which may appear 2-14 days after exposure according to the CDC:

  • Fever
  • Cough
  • Shortness of breath

Anyone with the above symptoms, should call their doctor and tell them, “You may have COVID-19.” so healthcare provider’s office can take steps to keep other people from getting infected or exposed. Moreover, you are advised by CDC to wear a facemask, if you are sick. This helps prevent the spread of viral particles when you cough or sneeze. In addition, the CDC recommends the following:

  • You should avoid sharing personal household items such as drinking glasses, eating utensils, towels, etc.
  • Clean all high touch surfaces such as bathroom fixtures, toliets, door knobs, etc.
  • Cover your mouth when you cough an sneeze, throw away any tissue in a lined trash can, and immediately wash your hands.

Related Article: Coronavirus Tips to Stay Safe

About Brian Kondas

Brian Kondas writes well-researched, high-quality, and accurate content for Senior Healthcare Direct. Brian writes about Medicare-related topics including the Coronavirus. Moreover, Brian search engine optimizes (SEO) content, so it ranks higher in search engines and drives organic traffic. Furthermore, Brian produces high-quality digital images, videos, and infographics. Follow him on Twitter @KondasBrian

Top Ten Medicare Supplement Insurance Companies

Top 10 Medicare Supplement Insurance Companies

Top 10 Medicare Supplement Insurance Companies in 2020

medicare supplement insurance companies

Senior Healthcare Direct put together a list of the top 10 Medicare Supplement (Medigap) insurance companies to help you compare and find a Medigap plan with the coverage and benefits you need in 2020. Original Medicare only cover 80% of Part A and Part B. Medicare supplement plans cover the remaining 20%. All Medicare Supplement plans pay your Part A (hospital) coinsurance costs. In addition, most Medigap Plans pay your Part B (medical) coinsurance costs except for plans K and L.

In addition to coinsurance benefits, Medicare Supplement (Medigap) plans pay your Part A and/or Part B deductibles. For example, Medigap plans B, C, D, F, G, and N pay your Part A deductible $1408 in 2020. Furthermore, Medigap plans C and F pay your Part B deductible $198 in 2020. However, if you are newly enrolled in Medicare after January 1, 2020, these Medigap plans C and F will not be available to you. As a great alternative, Senior Healthcare Direct recommends people new to Medicare consider plan G.

Medigap Plans are Standardized for all insurance companies

All Medicare Supplement insurance companies provide the same standardized benefits based on your plan letter. For example, Medigap Plan G benefits are the same for all Medigap insurance carriers. Thus, you can compare Plan G prices among two or more insurance companies and your Medicare benefits will be the same. As a result, most people choose the lowest premium when comparing insurance carriers because they all have the same coverage benefits.

Coverage Differences among Medicare Supplement Insurance Companies

There are two coverage differences between Medigap insurance companies. First, different Medigap Plans are offered by different Medigap companies. For example, Aetna only offers Medigap plans A, B, F, G, and N. However, United Healthcare (AARP) offer the same Medigap Plans plus plans K and L. The second difference is number of State Medigap insurance companies service. For example. Aetna services 42 states and United Healthcare (AARP) services 50 states.

The chart below lists the top Medicare Supplement Insurance Companies including the available Medigap plans and number of states served. You can use this chart to help select the companies who offers the Medigap plan with the coverage and benefits you need in 2020.

Top 10 Medicare Supplement Insurance Companies

The following list of Medigap insurance companies are in no particular order. Some of these Medicare providers may or may not be in your state.

medicare supplement insurance companies

Most Important Difference Between Medicare Providers

The most important difference and the biggest benefit of working with a Medicare insurance broker like Senior Healthcare Direct is price. All Medicare providers listed in our top 10 offer Medigap Plan F. However, each Medicare provider will have a different price for the same Plan F coverage. Thus, a huge benefit of working with Senior Healthcare Direct is you can compare prices of all Medicare carriers in your state for the Medigap plan you want. For example, you may consider the cost savings and great coverage of Medigap Plan G. When we compare Medicare Supplement companies, you may find Manhattan Life has the lowest Plan G price. Senior Healthcare Direct can help you compare Medigap plans and save money. Get your Free Quote.

Aetna in 2020

Aetna is one of the largest insurance providers in the U.S. It was founded 167 years ago in 1853. So if you like a company with a solid history, then Aetna may be a good choice. Medicare was enacted by congress in July 1965 and Aetna paid its first Medicare claim the following year in 1966.

The company has been listed on the New York Stock Exchange (NYSE) since 1968. So you can buy Aetna stock ticker AET and invest in this company. In 2020, Aetna’s financial strength is rated A (excellent) with stable outlook by AM Best. So if you want a financially strong insurance carrier, then Aetna is a great choice.

You can shop Aetna Medicare Supplement Insurance plans with Medicare insurance broker Senior Healthcare Direct by calling 1-855-368-4717.

aetna logo

Anthem Blue Cross in 2020

Anthem Blue Cross offers an exclusive Sydney Health app to make it easier to find the care your need and manage your benefits. Using the app you can view digital ID cards, check claims and download medical records. So if you want a health insurance provider that uses the latest in technology, then you should consider Anthem Blue Cross. Compared to other insurance carriers on our top ten list, Anthem Blue Cross offers the least geographical coverage area. You can get Anthem Blue Cross in only the following 14 States:

Athem Blue Cross Blue Shield logos
  • California
  • Colorado
  • Connecticut
  • Georgia
  • Indiana
  • Kentucky
  • Maine
  • Missouri
  • Nevada
  • New Hampshire
  • New York
  • Ohio
  • Virginia
  • Wisconsin

Anthem Blue Cross is headquarterd in Indianapolis, Indiana. It is an independent licensee of the Blue Cross and Blue Sheild Association. You can shop Anthem Medicare Supplement Insurance plans with Medicare insurance broker Senior Healthcare Direct at 1-855-368-4717.

Bankers Fidelity in 2020

You can get customer service and claims support from Bankers Fidelity’s headquarters in Atlanta, GA. Bankers Fidelity’s line of health insurance products include:

  • Medicare Supplement Insurance
  • Short-Term Care Insurance
  • Final Expense Life Insurance
  • Lump-Sum Cancer Insurance
  • Hospital Indemnity Insurance

Since 1955 (for the last 65 years), Bankers Fidelity has supplied individuals and seniors with insurance products and responsive service. Their mission statement: “We sincerely believe that our policyholders deserve the best protection and have made it our mission to provide them with outstanding, customer-focused insurance products, value and service for more than 60 years.” In 2019, AM Best affirmed the financial strength rating of A- (Excellent) of Bankers Fidelity. 

You can shop Bankers Fidelity Medicare Supplement Insurance plans with Senior Healthcare Direct at calling 1-855-368-4717.

Cigna in 2020

cigna logo

Cigna is a global health service company with more than 170 million customer and patient relationships in more than 30 countries and jurisdictions. With a global workforce of more than 74,000 employees, Cigna is dedicated to their mission of being champions of customers and communities each and every day. Cigna is rank #65 on the 2019 Fortune 500 List and has committed $25 million to Cigna Foundation to Healthier Kids for our Future.

This American worldwide health services organization is based in suburban Bloomfield, Connecticut and Philadelphia, Pennsylvania. Cigna is listed on the NYSE under stock ticker CI. It is parent company to Express Scripts, Healthsprings, Inc., and CareAllies, LLC. You can shop Cigna Medicare Supplement plans at Senior Healthcare Direct at 1-855-368-4717.

Humana in 2020

humana logo

Humana was founded in 1961, making it only 59 years old and younger than all seniors on Medicare in 2020. In 2019, Humana ranked 56 on the Fortune 500, with $56.9 billion in revenue. With headquarters in Louisville, Kentucky, Humana operates three business segments: retail, Group, and Healthcare Services.

The retail segment includes HumanaPharmacy.com, where members can get “medicine mailed to the location of your choice.” Humana Group offers employers medical, dental, and vision plans. Moreover, Humana offers Group life, and Medicare plans for retirees. Finally, Humana offers Medicare Advantage, Part D, and Supplement plans. You can shop and save on Humana Medicare Supplement plans at 1-855-368-4717.

Manhattan Life in 2020

Manhattan Life logo

Manhattan Life founded in 1850 by Alonzo Alvord, making it 170 years old. This company is the oldest on our list and three years older than Aetna. Since 2000, David Harris, CEO, took new ownership of Manhattan Life. The company’s headquarters is in Houston, Texas. It is a privately held company, therefore not publicly traded. 

AM Best rates the financial strength of Manhattan Life B+ (Good) in a news article from 2013. However, more recently AM Best’s rates Manhattan Ins Group in the Top 200 U.S. Life/Heath Insurers in 2019. Last year its ranking went up from #119 to #112. 

You can shop Manhattan Life Medicare Supplement Insurance plans with Medicare insurance broker Senior Healthcare Direct by calling 1-855-368-4717.

Mutual of Omaha in 2020

mutual of omaha logo

Mutual of Omaha is a Fortune 500 company based in Omaha, Nebraska. In contrast to Aetna and other stock insurance companies, Mutual of Omaha is a mutual insurance company. The policy holders of Mutual of Omaha own the company in its entirety. As a result, any profits earned by Mutual of Omaha are either retained by the company or paid to you (policy holders) in the form of dividend distributions or reduce future premiums.

However, in 1998 all of the membership interests of Mutual of Omaha Insurance Company was extinguished. Consequently, such members became member of the Mutual Holding Company. After this reorganization, the Mutual Holding Company will not be permitted to pay dividends. For example, you will not receive distributions or payments of income or profits. As a result, you receive no financial benefit from being a Mutual of Omaha policy holder.

On January 24, 2020 Bloomberg reported AM Best financial strength rating is A+ (Superior) and long-term issuer credit rating is aa- for Mutual of Omaha. Thus, if you want a financially strong insurance carrier with a stable credit rating, then Mutual of Omaha is a great choice. You can shop Mutual of Omaha Medicare Supplement plans at Senior Healthcare Direct by calling 1-855-368-4717.

State Farm in 2020

StateFarm logo

Medicare Supplement insurance is available through State Farm Mutual Automobile insurance company founded on June 7, 1922 with headquarters in Bloomington, IL. The company has over 56,000 employees. It is both the largest auto insurance and property and casulty insurance provider in the United States. State Farm is ranked 36th in the 2019 Fortune 500 List.

State Farm offers Medigap Plans in 46 states. However, not all Medicare supplement plans are available in all states. Find out what each State Farm Medicare Supplement plan covers, then shop and save at Senior Healthcare Direct by calling 1-855-368-4717.

UnitedHealthcare in 2020

UnitedHealthcare logo

Unitedhealthcare is the nation’s largest healthcare company in the world by revenue. You most likely heard of UnitedHealthcare. It’s ranked 6th on 2019 Fortune 500. It’s a public company traded on the NYSE under UNH. AM Best financial strength rating is A (Excellent) and long-term credit rating is a- for UnitedHealthcare. So if you like the security of a huge health insurance company with a strong financial rating, then UnitedHealtcare is an excellent choice.

Unitedhealthcare provides health insurance for businesses small and large. Before you retired, you may have had an employer group insurance plan with UnitedHealthcare. You may also have experienced UnitedHealthcare’s innovative, easy-to-use tools to help manage your health plan costs. For example, health care services such as online doctor visits and Care24 gives employee more options for taking care of their health. Thus, if you want to be insured by the largest health insurance company in the United States, then UnitedHealthcare is a great choice.

You can shop UnitedHealthcare Medicare Supplement plans at Senior Healthcare Direct by calling 1-855-368-4717.

Transamerica in 2020

Transamerica logo

A.P. Giannini founded this holding company in 1928. Transamerica is a privately held American holding company for various life insurance companies and investment firms in the United States which offer life and supplemental health insurance, investments, and retirement services. In July 1999, Transamerica CEO Frank C. Herringer announced that Aegon, a Netherlands-based insurer, would acquire it. Aegon is the multinational life insurance, pensions, asset management parent company of Transamerica. 

Transamerica is rated A by AM Best in a report dated November 7, 2019. It offers Medicare Supplement Plans in 50 States. Find out what each Transamerica Medicare Supplement Plan covers, then shop Medigap plans at Senior Healthcare Direct by calling 1-855-368-4717.

Better Customer Service with a Medicare Insurance Broker

How quickly can customer service resolve your issues? When you call a huge insurance provider like UnitedHealthcare, you may be transferred multiple times before you finally speak with someone who can help. However, when you purchase a Medicare Supplement plan thorough a Medicare insurance broker such as Senior Healthcare Direct, any member of our support team can help resolve your issue. When we take your call, you will not be transferred around. A member of our dedicated customer support team can help you fix billing errors, write Medicare appeals, and solve pharmacy exceptions when you can’t get your medications.

Watch the Coffee with MedicareBob video with guest Sue Wagner from our customer support team.

In this video interview with Robert Bache, owner of Senior Healthcare Direct, guest Sue Wagner explains how she “does a three-way call” with a client’s insurance carrier. Our customer support helps prevent you from paying for two Medicare plans at the same time. Thus, we help cancel the old policy with your current provider when you switch to a different provider.

It’s easy to shop and save on Medicare Supplement plans. Click the get quote button below to compare prices of Medicare Supplement companies in your area.

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