Featured blog posts with videos.

Medicare Plan F and G

Which is Better Medicare Plan F vs. Plan G?

In the video above, Robert Bache, owner of Senior Healthcare Direct, compares Medicare Plan F and Plan G. MedicareBob covers two important changes to Medicare in 2020. First, MACRA law is now in effect and you should have a new Medicare ID card. This law helps protect seniors from identity theft. It removes social security numbers and replaces them with a number that is unique to you. In the video, we show you the old Medicare card. Once you have your new Medicare card, you can destroy this old card. Get all 10 Things to know about your New Medicare card.

Your New Medicare Card

Second, MACRA law changed Medicare coverage for people newly eligible for Medicare in 2020. For example, if you are turning 65 or otherwise qualify for Medicare because of disability or terminal illness, then this MACRA law applies to you. However, if you had Medicare prior to 2020, then MACRA law change does not apply to you. For people newly eligible for Medicare in 2020, you will not be eligible for Plan F or Plan C. In other words, you can not get Plan F or Plan C. Therfore, the most comprehensive Medicare Plan you can get is Plan G.

Medicare Plan G vs. Plan F

So what’s the difference between Medicare Plan G vs Plan F? There are two big difference between Medicare Plan F and Plan G. First, Plan G has lower premiums than Plan F. Second, Plan G requires you to pay $198 Deductible in 2020. When you compare the lower premium benefit of Plan G, you can save $500 or more. In other words, Plan F will cost you $500 or more in premiums than Plan G.

Medicare Plan G Cost and Benefits

So what does Medicare plan G cost? In the video, MedicareBob says, “You pay a monthly premium usually between $80 to $120 per month.” In addition, you pay an annual deductible of only $198 once per year. Medicare Plan G pays the 20% coinsurance cost that original Medicare does not pay. For example, your doctor visit costs $400. Medicare Part B only covers 80%. You are responsible to pay 20% or $80. Your Medicare Plan G will pay this $80 doctor visit.

Is Medicare Plan G better than Plan F?

In the video, MedicareBob says, “You will want to go from Plan F to Plan G.” There are two big reasons to switch from Plan F to Plan G. The reasons you will want to switch is simple math. MedicareBob says, “When you look at Plan F compared to best Plan G, you will save $500 to $1500 in annual premium.” This is why Senior Healthcare Direct calls Plan G the “Greatest Value”. Plan G gets you the same comprehensive Medicare coverage of Plan F and saves you money with lower monthly premiums. The only difference is you pay one-time annual deductible of $198 in 2020 with Plan G.

When Can I Switch From Plan F to Plan G?

The good news is you can switch from Plan F to Plan G anytime. You do not have to wait until annual enrollment. You can call Senior Healthcare Direct today at 1-855-368-4717 or click the get your quote button.


Medicare Supplement Plan F Rates

Medicare Supplement Plan F Rates

Medicare Supplement Plan F rates in 2020 will increase more than normal for a number of reasons. A big reason is MACRA law.

What is MACRA?

MACRA is the Medicare Access and CHIP Reauthorization Act of 2015. This law will become effective January 1, 2020 and will change Medicare supplement plans in all states. MACRA is a federal law that will change who can buy Medigap Plans F, High F, and C. Starting in 2020, only beneficiaries of Medicare who are not newly eligible can keep Plan F, High F and C. In other words, if you are new to Medicare, you will not be eligible for Plan F, High F, and C.

New Medicare Cards

In addition, MACRA law requires the removal of Social Security Numbers (SSNs) from all Medicare cards. As a result, the new Medicare Number (sample shown below) helps to prevent identify theft and taxpayer fraud.

medicare supplement plan f costs
New Medicare Card

MACRA is a value-based program

MACRA law reforms how health care is delivered and paid for. For example, instead of paying providers solely on the number of patients serviced (quantity), value-based programs reward health care providers with incentive payments for the quality of care they give to people on Medicare. Value-based programs provide you with better care. Consequently, this results in healthier populations and lowers the cost of health care. Get more info on value-based programs.

What are the “Newly Eligible” Medigap Plans?

People who will enroll in Medicare for the first time are “newly eligible”. You become eligible for Medicare when you turn age 65, have a qualifying disability or a terminal illness such as end-stage renal disease. In other words, if you already had Medicare Part A and B in 2019, then you are NOT considered “newly eligible” and the MACRA rules do not apply to you. People newly eligible for Medicare in 2020 have the following guaranteed issue plans: Plans D, G, and high deductible G (which is brand new!) Learn more about Medicare Supplement Plans (Medigap).

Is Medicare Supplement Plan F going away in 2020?

Medigap Plan F will not be available for people “newly eligible” in 2020. However, Medicare Supplement Plan F will still be available to existing Medicare enrollees. For example, if you had Medicare Parts A and B on or before 2019, you will still have the option of enrolling in Medigap Plan F. Moreover, according to Robert Bache, owner of Senior Healthcare Direct, “We are going to see record Medicare premium rate increases for Medicare Supplement Plan F in 2020.” Watch MedicareBob’s video below for details:

When you get a big rate increase on Plan F, what can you do?

In the video above, MedicareBob says, “When you do get that increase… You do not have to keep Plan F until October. You are allowed to shop all year long!” In other words, you can shop and save on your Medicare Supplement Plan F anytime in 2020. So when you get that big rate increase on Plan F, the solution is easy. You just click the “Get Quote” button below and one of our licensed agents will give you a call. Furthermore, as MedicareBob says in the video, “Just one agent will give you a call. You are not going to be bombarded with phone calls.” Moveover, “The reason you want to speak to one of our agents is we are licensed with all the top Medicare companies. So we will help you get the most cost effective Medicare Supplement plan for 2020.”

Click the “Get Quote” button below and save money on your Medicare Supplement plan.

medicare supplement plan f costs

Medicare Supplement Rates Raleigh NC

The Skycrest Bridge in Raleigh, North Carolina

Medicare rates in Raleigh NC
Senior Healthcare Direct – Your Bridge to Medicare savings

Photo of Skycrest Bridge over the Neuse River reviewed on Tripadvisor.com as “One of the Best Things to do in Raleigh”. This bridge is part of the Neuse River Trail, 27.6 miles of paved trail, great for hiking, biking, and walking. The second best thing to do in Raleigh is save money with lower Medicare supplement rates in NC.

Save Money with MedicareBob

Robert Bache, aka MedicareBob owner of Senior Healthcare Direct, will be sharing Medicare supplement rates in Raleigh, NC. MedicareBob and his agents assist people with their Medicare Supplement insurance nationwide. In this episode of Rate Watch Wednesday, MedicareBob looks at rates for Medicare Supplement plan G. You will find out how little plan G cost for seniors in Raleigh. To be clear, the letter of the supplement plan determines the coverage, not the carrier.

Plan G is MedicareBob’s favorite plan for 2020 and he calls it the “Greatest Value”. Plan G is so good because it allows you to go to any doctor and any hospital in the country which accepts Medicare. Unlike an HMO or PPO you are not restricted to a network. It pays all your hospital and medical bills including the 20% coinsurance that original Medicare does not pay.

With plan G you pay $198 Part B deductible in 2020 and the monthly premium. This is all you pay for Medicare approved services. MedicareBob will show you Medicare supplement rates for seniors age 65, 70, and 75 in Raleigh, NC.

Medicare Supplement Rates in Raleigh, NC

Watch this video and see the lowest quotes for supplement plan G in Raleigh, NC. For example, you will see quotes for top A-rated carriers including Heartland National, Aetna, Western United, GPM, Mutual of Omaha (United World), Cigna, and more.

How MedicareBob Saves You Money

When you view the quotes in the video above, you will notice different insurance carriers quotes different premiums for the same Medicare supplement plan G. However, the benefits of plan G remain the same no matter what price you pay. Senior Healthcare Direct can find you an insurance carrier for less than you are paying now. As a result, you can keep the same Medicare benefits of plan G, but pay less for your plan. This is how MedicareBob saves you money!

It is easy to shop and save on Medicare insurance. Click the quote button below for your free Medicare quote.

medicare for all plan

Medicare For All Plan – Biden, Warren, Sanders

Medicare For All Plan – Biden, Warren, Sanders

Which Medicare For All plan would you vote for? We’ll take a close look at each democratic candidate’s healthcare plan: Joe Bidden, Elizabeth Warren, and Bernie Sanders. Visit our Facebook page and let us know which plan you would vote for.

Medicare For All
Biden, Warren, and Sanders: Which healthcare plan do you support? Tell us on Facebook.

Bernie Sander’s Medicare For All Plan

Bernie Sander’s plan is to make a health care a human right. Bernie’s plan specifically says the “United States will join every other major country on earth and guarantee healthcare to all people as a right. All Americans are entitled to go to the doctor when they are sick and not go bankrupt after staying in the hospital.”

Bernie’s Key Points

  • Create a Medicare for All, single-payer, national health insurance program to provide everyone in America with comprehensive health coverage, free at the point of service.
  • No networks, no premiums, no deductibles, no copays, no surprise bills… Medicare to include dental, hearing, vision, and home- and community- based long-term care, in-patient and out-patient services, mental health and substance abuse treatment, reproductive and maternity care, prescription drugs, and more.
  • No one in America pays more than $200 a year for the medicine they need by capping what Americans pay for Medicare for All.
  • Allow patients, pharmacists, and wholesalers to buy low-cost prescription drugs from Canada and other industrial countries with the Affordable and Saft Prescription Drug Importation Act.

As president, Bernie Sander’s Medicare For All plan in the first year is to lower Medicare eligibility from 65 down to 55 years of age. Watch Bernie’s video:

Elizabeth Warren Medicare For All Plan

Elizabeth Warren’s plan is to reduce healthcare costs in America and transition to Medicare For All. In addition, Warren defends Medicaid and the Affordable Care Act. Elizabeth supports Medicare for All. However, Warren’s plan provides no timeline for implementing Medicare for All. In general, she wants to provide all Americans with a public healthcare program. Warren’s plan gives every single person in this country a guarantee of high-quality healthcare. In particular, Warren’s healthcare plan covers everybody and nobody goes broke because of medical bills. Watch Warren’s present the details of her Medicare for All plan in the video below:

Warren’s Plan to Pay for Medicare for All

Warren’s Medicare for All health care plan is the first to layout the full cost and how to pay for it. Her plan does not raise middle-class taxes by one penny. She says, “If we make no other changes over the next ten years, Americans will reach into their pockets and pay out about 11 Trillion dollars on insurance premiums, copays, deductibles, and uncovered medical expenses. Warren’s plan reduces these costs to zero. Sort of like an 11 Trillion tax break! So we have two choices: we can maintain the status quo or choose Medicare For All.

Warren medicare for all plan

Warren says, “You might be asking how can we possibly provide better coverage to more people for less money?” First, Warren says, “Under Medicare For All, we reign in the corruption, the waste, inefficiency, and corporate profiteering. That is money we can save and spend on actual care. So we pay less overall for health care to get more real health care coverage.”

Second, Warren’s plan changes the structure of who pays for healthcare in America, and how. Warren says, “We will take the $11,000,000,000,000 projected out-of-pocket health care costs over ten years and make that number zero. No more premiums, copays, deductibles, or out-of-network bills. For middle class families, that means thousands of dollars back in your pocket every year.”

Who Pays For Warren’s Medicare For All Plan

Under Warren’s plan existing federal and state spending (Medicare, Medicaid) stay the same. No new taxes or costs for the middle class. Warren says, “You are already done paying into Medicare and Medicaid. Business costs stay about the same – they will pay Medicare instead of private insurers.” For more Medicare information visit our Medicare Blog.

Furthermore, Warren says, “We will cover the rest of the costs with new taxes on the financial industry, big corporations, and the top 1%. We crack down on tax evasion and fraud by the wealthy and big corporations. So for the top 1%, they are going to have to pay their fair share. Moreover, corporations are finally going to have to pay the taxes they are meant to pay just like everyone else.

That is Elizabeth Warren’s Medicare for All plan. It covers everyone. It is fully paid for. Moreover, independent economist have verified it is doable. All it takes is the courage to fight for it.

Warren says, “Insurance companies and drug companies will spend tens of millions of dollars in political contributions and disinformation campaigns to try and keep tens of billions of dollars in profits flowing into themselves. That is corruption – plain and simple. We have to call it out and we have to fight back against it. Because like any big idea, you do not get what you do not fight for. We need a health care system that recognizes that health care is a human right.” Warren will fight to get it done.

Joe Bidden Obama Care Plan

In the first Democratic debate in Miami, the question was asked, “Do we support eliminating private health insurance?” Biden said, “Absolutely not.” Therefore, Joe Bidden does not support Medicare For All. Joe Biden believes, “We need to protect and build on Obama Care”. Biden proposes a public option to Obama Care as, “the best way to lower costs and cover everyone.”

Joe Biden does not support Medicare for All because it gets rid of Obama Care. As President, Joe Biden, plans to promote and build upon Obama Care. Watch Joe’s video below.

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

North Carolina Medicare Supplement MedicareBob

Medicare Supplement Plan G

Medicare Supplement Plan G in Charlotte, North Carolina

MedicareBob, owner of Senior Healthcare Direct, along with his team of licensed agents assists people nationwide with Medicare insurance. This includes Medicare Advantage Plans, Medicare Supplement Plans (Medigap), and original Medicare Part A and Part B.

In this Rate Watch Wednesday video, MedicareBob will look at what Medicare Supplement Plan G costs in Charlotte, North Carolina. Residents of North Carolina live in a very Medigap friendly state with very affordable supplement premiums. For 2020, MedicarBob recommends supplement plan G. He call this plan the Greatest value! This plan will allow you to keep you doctors and go to any hospital nationwide. Moreover, your maximum out of pocket is Medicare Part B deductible of only $198 in 2020. So after you pay $198, plan G pays all your bills for Medicare-approved services. The standard monthly premium for Part B is $144.60 in 2020. However, if you yearly income in 2018 was more than $87,000 then your premium will be more. For more info, visit Part B cost on Medicare.gov.

Watch this video to see how little plan G costs in Charlotte, North Carolina.

In this video, you saw MedicareBob run quotes in local zip codes of Charlotte, North Carolina. This is the same quoting tool used by licensed agents at Senior Healthcare Direct. So give us a call at 1-855-368-4717 and a friendly, licensed agent will enter you specific info to get you an exact quote. By speaking with a licensed agent, we will find the most cost effective supplement plan G for you.

Medicare Supplement Plan G
MedicareBob quotes North Caroline

How to Save Money on Plan G

Senior Healthcare Direct provides you with quotes from top A-rated carriers in Charlotte, NC. For example, some of the carriers you may know: Heartland National, Aetna, Western United, GPM, Mutual of Omaha (United World), and Cigna. These carriers offer different prices. However, the Medicare benefits are the same no matter which carrier you choose. So shop and save today by calling 1-855-368-4717. See how much money we can save you!

medicare 2020

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

Medicare 2020: Medicare Advantage vs. Supplement Plan

There are a number of differences between Medicare Advantage and Medicare Supplement plan. The Medicare 2020 chart below highlights the major differences. For easy reference, benefits are green and disadvantages are red.

Medicare 2020 chart

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).


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.

Medicare New Enrollment 2020

Medicare New Enrollment 2020

Medicare Advantage New Enrollment 2020

Want to change your Medicare Advantage coverage for 2020? Medicare announces new open enrollment dates for 2020: January 1 – March 31, 2020.

Your Medicare Advantage plan change will take effect the month after you submit your enrollment.

Enrollment / plan change options:

  • Switch from Medicare Advantage to Original Medicare plus a Part D plan
  • Switch from one Medicare Advantage plan to another

You can only switch or change your plan one time between January 1 and March 31, 2020. In other words, once you make a change you can not change it until the next enrollment period.

Medicare Part A / Part B New Enrollment 2020

You can enroll in Medicare Part A and Part B between January 1 to March 31, 2020. Your Medicare coverage will take effect on July 1, 2020.

Enrollment / plan change options:

  • General enrollment for Medicare Part B – for people who did not enroll last in 2019. A late enrollment penalty may apply.
  • Medicare Part A general enrollment period – for people who pay premiums for Medicare Part A and did not enroll in 2019 (late enrollment penalty may apply).

Medicare beneficiaries who enroll in Medicare Parts A and B will have 3 months (April through June) to enroll in Part D plan to supplement their coverage.

Shop and Save on Medicare Coverage in 2020

Senior Healthcare Direct is happy to help you shop your Medicare plan for 2020. It is easy to get a quote to compare plans with all top Medicare carriers. We can help you get the most cost effective plan that fits your needs in 2020. Click the get quote button to shop and save today.

medicare enrollment period 2020

2020 Medicare Supplement Plan and 2020 Medicare Advantage Plan

2020 Part D Updates: Humana Part D Doubled Premium

2020 Medicare Part D Deductible: How it Works

Medicare 2020 Increases and Updates

Medicare 2020 – Best Medicare Supplement 2020 – Best Part D Drug Plan 2020