Medicare Advantage

This blog section contains information on Medicare Advantage plans. Learn about Medicare Part C and discover when you can change your plan during the Open Enrollment Periods. Moreover, find out about Silver Sneakers, Dental Plans, and compare Supplement plans to Medicare Advantage plans.

ESRD Medicare Advantage 2021

Can you enroll in Medicare Advantage with ESRD?

In 2021, people with ESRD will be able to join Medicare Advantage Plans without any restrictions. Before 2021 you could only join a Medicare Advantage Plan with ESRD in certain situations. Starting in 2021, anyone with End-Stage Renal Disease can join an Advantage Plan.

What is ESRD?

ESRD is End-Stage Renal Disease. In other words, it is a medical condition in which your kidneys stop functioning, and you need regular long-term dialysis or a kidney transplant to maintain life. You will need dialysis when you lose about 85 to 90 percent of your kidney function. In end-stage renal disease, your kidneys do not get better, and you will need dialysis for the rest of your life or a kidney transplant.

What is Dialysis?

Dialysis uses a machine to clean your body. A dialysis machine filters your blood and removes waste, salt, and extra water. Hemodialysis treatment usually lasts about four hours and is done three times per week. Dialysis is expensive!

ESRD Medicare Advantage 2021

Your Medicare Advantage Plan May Cost You More

In this MedicareBob video, Robert Bache announces Medicare Advantage Plans are “removing the restrictions for people who have ESRD” in 2021. As a result, Robert Bache, predicts your Medicare Advantage maximum out-of-pocket limits may increase, premiums may increase, or copays may increase. Watch this video and find out why your Medicare Advantage Plan may cost you more money.

Shop Your Medicare Advantage Plan

In this MedicareBob video, Robert Bache advises you to check your ANOC – “Annual Notice of Changes,” which your Medicare Advantage Plan sends you in September. The ANOC includes any changes in coverage, costs, or service area that will be effective in January. If your cost increases, you can shop for a new Medicare Advantage Plan on October 1. If you have End-Stage Renal Disease (ESRD), our office can help you. Shop your Medicare Advantage Plan at Senior Healthcare Direct by calling 1-855-368-4717 or get a quote.

Medicare Advantage vs. Supplement

Find out which is better Medicare Advantage vs. Medicare Supplement. Discover our side-by-side comparison chart that shows you the benefits and costs of Medicare Advantage and Medicare Supplement. 

Medicare Coronavirus Update

Medicare Coronavirus Update

Medicare provides health care coverage for Coronavirus (COVID-19) testing and hospitalizations. According to Medicare.gov, “You pay no out-of-pocket costs.” for COVID-19 lab tests.

Medicare Coronavirus testing

Furthermore, Medicare covers all medically necessary hospitalizations. For example, your doctor diagnoses you with COVID-19. Consequently, you remain an inpatient for the duration of your quarantine.

Likewise, Medicare Advantage plans provide you the same coverage benefits. Moreover, Medicare waives your copays for COVID-19 lab tests.

Whether you have Original Medicare or Medicare Advantage, Senior Healthcare Direct can help you choose and compare Medicare plans from the safety of your home. Call us at 1-855-368-4717 or get your quote.

917 new COVID-19 deaths on April 1, 2020

On April 1, 2020, 917 Americans died from COVID-19. The total number of American deaths is now 4,745. According to CNN, from January until April Fool’s day, President Trump has “minimized the risk of coronavirus.” 

Trump has said:

“The virus might well vanish by April with the warmer weather, that the media and Democrats were overhyping the situation, and that this is their new hoax.” 

President Trump

Finally, on April 1, the facts are clear. COVID-19 is not vanishing in April. Moreover, President Trump said (for the first time):

“The situation is ‘bad,’ that the virus is not under control, that the country might well be heading into a recession, and that American life would not get back to normal for months.”

In this video press briefing, President Trump says he wants, “every American prepared for the hard days that lay ahead.” Moreover, Trump says, “It’s going to be a very tough two weeks.” (April 1 – April 14).

Experts Predict Huge US Death Toll

Dr Debroah Birx
Dr. Brix presents a terrifying US death toll

At White House briefing on March 31, 2020, Dr. Debroah Birx, the coronavirus response coordinator, makes a grim prediction. An IHME model by Chris Murray, at the University of Washington, predicts 100,000 to 240,000 Americans will die from COVID-19 in the next two months.

Most importantly, this prediction requires all American’s to engage in social distancing. Otherwise, the American death toll could be in the millions.

You can slow the spread of Coronavirus

Medicare Coronavirus social distancing

To slow the spread of Coronavirus, all Americans must do the following:

  • Restrict social gatherings to 10 people or less
  • Stay at least 6 feet away from people (Social Distancing)
  • Stay at home and shop online for whatever you need

If you ignore these guidelines, millions of Americans are likely to die. Experts predict a mountain of deaths between 1.5 million and 2.2 million if Americans fail to slow the spread of Coronavirus.

community mitigation coronavirus death graph
Coronavirus deaths with intervention 100K – 240K vs no intervention 1.5 – 2.2 million

Medicare will cover the Coronavirus vaccine

Currently, scientists continue to work on COVID-19 vaccines. The estimated timeline for an approved vaccine maybe 12 – 18 months. When a vaccine becomes available, your Medicare Part D plan will cover it.

Related article: Get 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

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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Medicare Open Enrollment

Medicare Open Enrollment Period

Medicare Open Enrollment Period

Once a year Medicare open enrollment period is October 15 to December 7 – also known as Annual Election Period or Annual Enrollment period – anyone with Medicare can make changes to their Medicare health plans and prescription drug coverage for the following year. For example, the next Medicare open enrollment is October 15, 2020 through December 7, 2020. Any changes you make to Medicare coverage during this open enrollment period will take effect in January 2021. Read more about what you can do during open enrollment period.

Medicare Advantage Open Enrollment

Likewise, Medicare Advantage open enrollment period occurs once a year between January 1 thru March 31. Anyone who has a Medicare Advantage Plan can switch to a different Medicare Advantage Plan. Alternatively, you can drop Medicare Advantage and return to Original Medicare. In addition, you can join a Medicare Part D prescription drug plan. For example, read the following story about George.

Why George Switched from Medicare Advantage to Original Medicare

open enrollment for medicare
George and Barbara excited about switching to Medicare Part D plan

George turned 65 last last year and enrolled in Medicare Advantage Plan. In 2020, George and his wife Barbara bought a recreation vehicle (RV). Together they plan to enjoy retirement by traveling across the United States in their new RV. However, George has an Advantage Plan and when he travels outside of his service area he pays higher out-of-network costs. Therefore, George makes a smart move and switches from his Advantage Plan to Medicare with Part D prescription drug plan.

Now, George and Barbara have peace of mind knowing their health costs will remain consistent whereever they travel in the United States. The good news is you can switch too! Medicare Advantage Open Enrollment Period (OEP) is January 1 to March 31. If you have a Medicare Advantage Plan, you can switch to another Medicare Advantage Plan. Otherwise, you can drop Medicare Advantage and enroll in Original Medicare and join Part D prescription drug plan. To shop and compare Medicare plans call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

get Medicare quote button

Common Questions About Medicare Open Enrollment

What is Medicare open enrollment?

Medicare open enrollment also called annual election period and annual enrollment period (AEP) is the annual period between October 15 and December 7 when people eligible for Medicare can change their Medicare plan.

When is Medicare open enrollment?

Annual Medicare open enrollment period is October 15 to December 7. Open enrollment for 2020 coverage ended on December 7, 2019. Next open enrollment will begin October 15, 2020 for coverage starting in January 2021.

What is Medicare Advantage open enrollment?

Medicare Advantage open enrollment only applies to people who have Medicare Advantage plans. During Medicare Advantage OEP you can switch to a different Medicare Advantage plan. Alternatively, you can switch from Medicare Advantage plan to Original Medicare including Part D prescription drug plan.

When is Medicare Advantage open enrollment?

Medicare Advantage open enrollment is January 1 to March 31.

What’s you can not switch in Medicare Advantage open enrollment?

During Medicare Advantage open enrollment period you can not switch from Original Medicare to Medicare Advantage Plan. In addition, you can not join Medicare Part D prescription drug plan. Furthermore, you can not switch from Medicare Part D drug plan to another Part D drug plan.

Silver Sneakers Medicare Plans

Silver Sneakers Medicare Plans

What is Silver Sneakers?

medicare plans silver sneakers

Silver Sneakers is a health and fitness program for Medicare beneficiaries 65 years or older. Thus, if your a senior Medicare Plans may pay for Silver Sneakers. Members of Silver Sneakers have access to thousands of gyms, community centers, and other participating fitness location across the nation. As a member you can take classes designed for seniors of all fitness levels led by trained instructors. In addition, you have access to on-demand video library of classes and workouts. You can even download the SilverSneakers GO app to get your digital membership card and workouts. The app is free and available on IOS and Android devices. Most important, Silver Sneakers is a place for seniors to find a friendly, supportive community in person and online.

Why Join Silver Sneakers?

Silver Sneakers helps you stay strong in body, mind, and spirit. Regular physical activity keeps your heart, brain, bones, muscles, and joints healthy. For instance, if you have a chronic condition like arthritis, diabetes, or osteoporosis, safe exercise can help you feel better. In addition, staying social in the Silver Sneakers community is vital to your good health.

Silver Sneakers Program

The Silver Sneakers program includes a basic membership at any participating gym. Facilities and amenities vary by location, however, many Medicare Silver Sneaker gyms include the following:

  • Cardio equipment, including treadmills and ellipticals
  • Strength training equipment, such as weights and strength machines
  • Amenities, such as pools and walking tracks

Unlike other senior gym memberships, you can go to all fitness locations in the Silver Sneakers network. You can visit over 17,0000 Medicare Silver Sneaker locations across the United States.

Silver Sneaker program includes many types of exercise classes. You will find a variety of fun exercises classes designed for seniors of all fitness levels. Classes vary by location, but you will often find the following:

Silver Sneakers Program
  • Cardio and strength classes, which often include a chair for support
  • Water aerobics classesChair and standing yoga classes
  • Tai Chi, boot camp, and many other classes!

The instructors who lead Silver Sneaker classes are friendly and supportive. If you are new to a class, the instructor can help you learn how to do exercises safely. Furthermore, if you have limited mobility, instructors can adapt exercises for your needs.

Do you want to try something different from traditional gyms? You might like to try Silver Sneakers FLEX classes. The Silver Sneakers program offers more than 70 kinds of classes through its FLEX network. You can visit many different locations such as churches, community centers, or recreation centers. Some FLEX classes meet outdoors and many FLEX class sizes are smaller than gym classes.

Where to Find Silver Sneakers Locations and Classes?

You can find a Silver Sneakers locations and classes near you using the locator tool. You can go to any participating location or class you want in the Silver Sneakers network. For example, you can use weights in one location, go swimming at another location, and take a Silver Sneakers or FLEX class at a third location.

Medicare Plans with Silver Sneakers

You can find Silver Sneakers with Medicare Supplement Plans or Medicare Advantage Plans. However, you are less likely to find Silver Sneakers included in a Medicare Supplement Plans. A few of the Medicare insurance companies that may offer you Silver Sneakers Medigap Plans include:

  • AARP
  • Bankers Life aka Colonial Penn Life Insurance
  • Blue Cross Blue Shield

Depending on your location, Medicare plans with Silver Sneakers may be covered by Medicare Supplement Plan F or Plan G. However, more insurance companies offer Silver Sneakers with Medicare Advantage Plans including:

  • Aetna
  • Blue Cross Blue Shield
  • Humana
  • Mutual of Ohama
  • UnitedHealthcare
  • Well Care

You are more likely to find a Medicare Advantage Plan with Silver Sneakers than a Medicare Supplement Plan.

Silver sneakers enrollment

During Medicare Open Enrollment Period, you can switch to a Medicare Advantage Plan with Silver Sneakers between January 1 and March 31. To switch your Medicare Advantage Plan, you must be in a Medicare Advantage Plan now. Otherwise, you will need to wait until Annual Enrollment October 15 thru December 7. However, if you have Medicare Supplement Plan, you can shop a new Medigap Plan with Silver Sneakers anytime all year long. You can speak with a licensed agent about switching your Medicare Advantage Plan or Medicare Supplement Plan at Senior Healthcare Direct 1-855-368-4717. Otherwise, you can click the get quote button below.

medicare plans silver sneakers

Common Questions About silver sneakers

Does Medicare Cover Silver Sneakers?

Silver Sneakers is covered by many Medicare plans. For example, Silver Sneakers is covered by many Medicare Advantage Plans and Medicare Supplement Plans.

Does traditional Medicare cover Silver Sneakers?

Unfortunately, Original Medicare Part A and Part B does not offer or include Silver Sneakers.

Is Silver Sneakers available to anyone on Medicare?

To be eligible for Silver Sneakers you must be 65 years or older. Some people qualify for Medicare because of disability and are younger than 65.

Does Medicare Pay for Silver Sneakers?

If your Medicare Supplement Plan or Medicare Advantage Plan includes Silver Sneakers, then Medicare pays for Silver Sneakers.

Dental Plans For Seniors

Dental Plans For Seniors

Dental Plans For Seniors

Dental Plans For Seniors

Seniors can get dental care with a Medicare Advantage plan. These plans may include dental, vision, and hearing benefits that original Medicare does not cover.

Medicare Doesn’t Cover Dental Care

Original Medicare does not cover most dental care including dental procedures, supplies, and cleanings. Moreover, it does not cover tooth extractions, dentures, dental plates, and dental devices. However, Medicare Part A will pay for certain dental services while you are a hospital inpatient.

Medicare Advantage Plans

There are many private insurance carriers which offer Medicare Advantage Plans. Since these plans are not standardized, the coverage and benefits vary from plan to plan. Therefore, it’s best to shop advantage plans using a broker who can shop and compare a number of advantage plans. Senior Healthcare Direct is a nationwide Medicare Advantage insurance broker. Our licensed agents can shop Medicare Advantage plans so you can choose the plan that best suits your needs. You can speak directly with a licensed agents by calling 1-855-368-4717

In addition to dental care, Medicare Advantage plans may include other benefits such as routine vision and hearing.

Why Are Dental Checkups Important?

Regular dental checkups are essential to keeping your teeth clean and healthy. When you get dental checkups every 6 months, you reduce the chance of long-term dental problems. For example, professional dental cleanings help to get rid of hard-to-remove plaque or tarter which builds up even with regular at home brushing and flossing.

Dental Exams Decrease Your Risk of Disease

When a dentist catches dental issues early, they can be easier and less expensive to treat. However, letting dental problems linger can result in more complex and expensive procedures. Therefore, regular dental exams can save you money!

Furthermore, regular dental checkups helps prevent cavities and gum disease by removing tarter and plaque buildup. During your dental exam, the dentist checks for a number of issues:

Put a smile on your face with dental coverage
  • Oral cancer
  • Tooth decay
  • Gum Disease
  • Tooth grinding
  • Alignment problems

Moreover, your dentist can detect signs of more than 120 diseases including diabetes and heart disease.

Stand Alone Dental Plans

If you do not need vision or hearing plan, then you might consider a stand alone dental plan. These plans are network based like a PPO. So you get benefits for seeing providers in the network. You will usually pay a copay at the time of service and your insurance will pay a portion of the usual and customary fee for dental services.

What is the Best Dental Plan for Seniors?

Aetna dental plans for seniors is rated as the best overall plan according to The Senior List. Aetna offers a range of dental insurance policies to help keep your teeth in good condition.

The Best Dental, Vision, and Hearing Plan

Manhattan Life Assurance is a stand alone plan that combines dental, vision, and hearing coverage. This plan has no network restrictions. So you can receive care from your favorite dental, vision, and hearing provider. You choose you own dentist, optometrist, and audiologist. Since you can use this plan at any provider’s office, it is the best dental, vision, and hearing plan. In addition, Manhattan Life Assurance plans also include the following benefits:

dental plans for seniors
Get a stand alone dental, vision, and hearing plan
  • Affordable Guarantee issue for all ages 18 – 85
  • Guaranteed renewable for life
  • Family rates includes up to 3 children

Manhattan Life Assurance plan has no waiting period for preventive services. For example, you can get a dental cleaning and x-ray right away. Thereafter, you can receive dental cleanings every 6 months. In addition, there is no waiting time for tooth fillings and extensions.

However, you will need to wait 12 months for major dental work. For example, bridges, crown work, partials, and root canals.

Vision Care

Manhattan Life Assurance vision coverage pays for eye exams immediately. In addition, the plan pays for eye glasses, contact lenses, and frames after 6 months. Since there is no network you choose the optometrist you want.

Plan Costs and Coverage

You only pay $100 annual deductible. Plan coverage improves over time. For example, the plan pays 60% in first year, 70% in second year, and 80% after 24 months. Annual benefit coverage of $1,000 and $1,500 is available. In addition, fully insured hearing benefits are a part of all plans.

Learn More about Dental Vision and Hearing Plans

You can buy a dental plan for seniors today and use it tomorrow! You have the option of choosing from a Medicare Advantage Plan or Stand Alone Plan. Find out which plans are available in your state by calling Senior Healthcare Direct at 1-855-368-4717. Otherwise, you can get a quote by clicking the button below.

dental plans quote
Medicare Drug Plan

Medicare Drug Plan

Change Your Medicare 2020 Drug Plan Today

medicare 2020 drug plan

You can get the Medicare drug plan you want in 2020! Here’s the big Medicare Part D and Medicare.gov update: During the last 2019 Annual Enrollment you may have used the new Medicare.gov Plan Finder which was rolled out in October 2019. Unfortunately, there were a lot of errors with this new Plan Finder. Our agents at Senior Healthcare Direct were one of the first to realize that a lot of data from Medicare.gov plan finder was not adding up. For example, the Medicare.gov Plan Finder did not match up with the carriers.

Helping You Get The Right Drug Plan

To help our clients, we cross referenced Medicare.gov and the carrier information. As a result, we helped our clients get the right drug plan. However, other Medicare agencies or individuals who did not know ended up enrolling in the wrong plan. Consequently, there have been a lot of complaints to Medicare. Because there were enough complaints, Medicare opened up a new Special Enrollment Period. So if you used plan finder in 2019 and chose the wrong 2020 drug plan because the information provided was inaccurate, you can change your drug plan. Therefore, you do not have to wait until October 2020. You can get a new drug plan today! Watch the video below for more details.

You Can Change Your Medicare 2020 Drug Plan

MedicareBob, owner of Senior Healthcare Direct, breaks the news about Medicare Plan Finder inaccurate information and how you can change your drug plan today. Watch the video to get more details and learn what to say when you call Medicare to change your drug plan.

MedicareBob’s Big 2020 Announcement

How to Change Your Drug Plan

You can make changes to your Medicare Advantage or Medicare Part D plan. If you made the wrong plan choice because of inaccurate information on the Plan Finder, call 1-800-MEDICARE and explain your situation. For other special circumstances, such as you move or lose other insurance coverage, visit Medicare.gov

You can also use our Drug Plan Finder form to enter all your prescription drugs and we can help you find a drug plan that is right for you.

medicare 2020

Medicare 2020: Medicare Advantage vs. Supplement Plan, which is better?

Compare Advantage Vs. Medicare Supplement

In the Medicare 2020 chart below, the red letters are disadvantages and green letters are advantages. The chart gives you a side by side comparison of Medicare Advantage verses Medicre Supplement.

Embed and download Medicare 2020 – Medicare Advantage vs Medicare Supplement

2020 Medicare Advantage vs Medicare Supplement

Medicare Advantage has a smaller, local network of providers. While Medicare Supplement network has over 800,000 providers nationwide. You must have Medicare Part B and pay $198 deductible for a Medicare Advantage plan. However, a Medicare Supplement plan pays the 20% co-insurance expense of Medicare Part B and the deductible of Part A ($1408 in 2020). Medicare Advantage has set co-payments. While Medicare Supplement covers your co-pays for hospital stays, skilled nursing facility care, hospice and home health care. Essentially, Medicare Supplement fills the holes in Medicare so you don’t have any surprise bills. That’s why it is also called Medigap. For example, when you go to the hospital, the Supplement plan pays your $1408 deductible. However, Medicare Advantage charges you around $300 per day each day for days 1-7. As a result, spending a week in the hospital with Medicare Advantage will cost you $2,100.

Referrals and Underwriting

Medicare Supplement plans have consistent benefits from year to year. On the other hand, Medicare Advantage plans may change their benefits. So you will have more homework to review upcoming Advantage plans. Medicare Supplement plan require no referrals. So you can quickly go to any doctor or hospital without a referral or prior authorization. However, HMO Advantage plan requires you to get referrals. There is no medicare underwriting requirements for Supplement plan as long as you apply within your initial 6 month enrollment period (get more details on Medicare Supplement plan). Likewise, all health conditions are accepted except End-Stage Renal Disease (ESRD) before 2021. However, the ESRD restrictions will be removed in 2021.

Premiums

Medicare Advantage plans have lower monthly premiums. However, you will pay extra every time you use your benefits by paying fixed co-payments and co-insurance. Moreover, you will continue to pay for benefits until your reach your maximum out-of-pocket limit of about $7,000. On the other hand, Medicare Supplement plans have higher monthly premiums. However, the plan pays all copays and co-insurance costs for Medicare covered services. In other words, you total out-of-pocket equals your annual premium amount. Therefore, you get a predictable monthly expense.

Prescription Drugs

Medicare Supplement require you to add Medicare Part D plan to cover prescription drugs. To avoid late enrollment penalty, you want to enroll in Medicare Part D during your initial open enrollment period October 15 – December 7. If you missed open enrollment, the new open enrollment is January 1 – March 31, 2020. Click here for details on Medicare New Enrollment 2020. Most HMO Medicare Advantage plans cover prescription drugs. Likewise, PPO and PFFS plans may also cover prescription drugs.

2020 Medicare Supplement Plan and 2020 Medicare Advantage Plan

Medicare Zero Premium Plan – Zero Premium Supplement – Medicare Myths