Healthcare Solutions Direct http://healthcaresolutionsdirect.com As Easy as 123 Mon, 31 Aug 2020 09:47:34 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.1 https://secureservercdn.net/198.71.233.31/on2.319.myftpupload.com/wp-content/uploads/2020/01/favicon.ico?time=1618334383 Healthcare Solutions Direct http://healthcaresolutionsdirect.com 32 32 Medicare Out-Of-Pocket Costs For Cancer Treatment Every Retiree Should Know http://healthcaresolutionsdirect.com/medicare-out-of-pocket-costs-for-cancer-treatment-every-retiree-should-know/ http://healthcaresolutionsdirect.com/medicare-out-of-pocket-costs-for-cancer-treatment-every-retiree-should-know/#comments Mon, 31 Aug 2020 09:47:34 +0000 http://healthcaresolutionsdirect.com/?p=5016 The post Medicare Out-Of-Pocket Costs For Cancer Treatment Every Retiree Should Know appeared first on Healthcare Solutions Direct.

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Medicare Out-Of-Pocket Costs For Cancer Treatment Every Retiree Should Know

POST WRITTEN BY
Gregory Gurbikian
President/CEO at Healthcare Solutions Direct, LLC, a nationwide insurance agency focused primarily on the retiree health market

Medicare is a great health insurance option for eligible retirees. However, working in the healthcare insurance industry, one issue I’ve seen not being talked about properly is the out-of-pocket costs for cancer treatment. No matter which option a retiree takes while on Medicare, there are costs the retiree will be responsible for that could be avoided if they fully understood all of their options.

 

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Medicare Changes Are Coming. Are You Prepared? http://healthcaresolutionsdirect.com/medicare-changes-are-coming-are-you-prepared/ http://healthcaresolutionsdirect.com/medicare-changes-are-coming-are-you-prepared/#respond Mon, 31 Aug 2020 09:47:34 +0000 http://healthcaresolutionsdirect.com/?p=5010 The post Medicare Changes Are Coming. Are You Prepared? appeared first on Healthcare Solutions Direct.

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Medicare Changes Are Coming. Are You Prepared?

POST WRITTEN BY
Gregory Gurbikian
President/CEO at Healthcare Solutions Direct, LLC, a nationwide insurance agency focused primarily on the retiree health market

Changes are coming to Medicare because of the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA). First-dollar coverage for Medicare Supplement plans (also known as Medigap plans) will no longer be available to anyone new to Medicare. This will affect choices for Medicare Supplement plan availability, but that might end up being a good thing.

 

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Medicare Retiree Survey Indicates A Serious Cause For Concern http://healthcaresolutionsdirect.com/medicare-retiree-survey-indicates-a-serious-cause-for-concern/ http://healthcaresolutionsdirect.com/medicare-retiree-survey-indicates-a-serious-cause-for-concern/#comments Mon, 31 Aug 2020 09:47:34 +0000 http://healthcaresolutionsdirect.com/?p=5004 The post Medicare Retiree Survey Indicates A Serious Cause For Concern appeared first on Healthcare Solutions Direct.

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Medicare Retiree Survey Indicates A Serious Cause For Concern

POST WRITTEN BY
Gregory Gurbikian
President/CEO at Healthcare Solutions Direct, LLC, a nationwide insurance agency focused primarily on the retiree health market

When thinking about Medicare, two numbers really stand out. The first number is 10,000 — that is how many people per day are turning 65 and becoming eligible for Medicare. That is a big number and is predicted to rise in the next decade. The other number is 79 — that is the percent of future retirees who incorrectly think Medicare is free, according to a recent Nationwide survey. After talking to thousands of Medicare-eligible individuals in my 10 years of healthcare insurance experience, I have concluded this misconception is not entirely the person’s fault.

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The Future Of Medicare: What Every Baby Boomer Should Know http://healthcaresolutionsdirect.com/the-future-of-medicare-what-every-baby-boomer-should-know/ http://healthcaresolutionsdirect.com/the-future-of-medicare-what-every-baby-boomer-should-know/#comments Mon, 31 Aug 2020 09:47:34 +0000 http://healthcaresolutionsdirect.com/?p=4997 The post The Future Of Medicare: What Every Baby Boomer Should Know appeared first on Healthcare Solutions Direct.

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The Future Of Medicare: What Every Baby Boomer Should Know

POST WRITTEN BY
Gregory Gurbikian
President/CEO at Healthcare Solutions Direct, LLC, a nationwide insurance agency focused primarily on the retiree health market

As the debate heats up regarding “Medicare for All,” it is important for baby boomers in the retired market to understand their Medicare options. As an owner of a healthcare insurance agency with over 10 years of experience, I have provided expert support to thousands of Medicare-eligible individuals. I have also trained hundreds of agents to help simplify Medicare, ensuring that the right coverage is provided to each client. What I have learned is that most retirees are extremely confused about their Medicare options, and for good reason.

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Getting Your Medicare Coverage During The Pandemic http://healthcaresolutionsdirect.com/getting-your-medicare-coverage-during-the-pandemic/ http://healthcaresolutionsdirect.com/getting-your-medicare-coverage-during-the-pandemic/#comments Fri, 14 Aug 2020 10:38:18 +0000 http://healthcaresolutionsdirect.com/?p=5022 The post Getting Your Medicare Coverage During The Pandemic appeared first on Healthcare Solutions Direct.

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Getting Your Medicare Coverage During The Pandemic

POST WRITTEN BY
Gregory Gurbikian
President/CEO at Healthcare Solutions Direct, LLC, a nationwide insurance agency focused primarily on the retiree health market

Regardless of what forces are impacting your daily life, it’s apparent things are changing for everyone. Day-to-day activity has slowed for some, and many people are adjusting to a new way of working. These changes can lead to job loss, but they can also impact a person’s decision to retire. About 10,000 Baby Boomers turn 65 every day, and while that is the average retirement age, not everyone plans to stop working then. Even so, with Covid-19 affecting employment, seniors who had hoped to work longer may seek retirement earlier than expected.

 

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Medicare Supplement F or G? http://healthcaresolutionsdirect.com/medicare-supplement-f-or-g/ http://healthcaresolutionsdirect.com/medicare-supplement-f-or-g/#respond Thu, 14 May 2015 17:12:32 +0000 http://healthcaresolutionsdirect.com/?p=436 Which is Better- Medicare Supplement Plan F or Plan G?? The difference most agents will not tell their customers!! Over my extensive career I have found that most agents or brokers will try to sell the PLAN F to their prospective customers. The first reason, it is very easy to sell because it is the […]

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Which is Better- Medicare Supplement Plan F or Plan G??

The difference most agents will not tell their customers!!

Over my extensive career I have found that most agents or brokers will try to sell the PLAN F to their prospective customers. The first reason, it is very easy to sell because it is the best plan you can ever purchase when Medicare eligible. There are no co-pays, bills or deductibles for anything Medicare A&B approved!! I have heard people call it the FULL COVERAGE plan or the FORGET ABOUT IT plan. The second reason, it is the most expensive plan and insurance companies love making more money. The third reason, it is the most popular plan with Medicare Supplements. Every insurance company offering supplements offers the PLAN F.

The truth….. The Plan G should be the most popular plan because it is a much better value for you than the PLAN F. Our company is about doing what is right for you, not us or the insurance company. The Plan G offers the same coverage as the Plan F with only one difference, you are responsible for the annual Part B medical deductible of only $147. That is it. If you ever have to pay the first $147 medical bill once a year you are done.

The Plan F most of the time is priced $25 more a month then the Plan G. So the question is, why would anyone pay $300 more a year to an insurance company for them to only pay the first $147 medical bill? The answer is that most people are not explained that this is the only difference. Apples to apples, you save $300 a year in monthly premium- $147 medical deductible= $153 a year back in your pocket. If you only use your Medicare A&B card with your PLAN G for approved preventative services during the year, Medicare will pay for everything at 100%. The list of preventative services are listed on the Frequently Asked Questions tab on our website. So, if you have a good year and only have your approved preventative services, you save the full $300 a year difference in your pocket!!! Choose the Medicare Supplement PLAN G.

I had a customer who had Medicare and her Plan G for the last 2 years and only used it for approved preventative services. She never had to pay the medical annual Part B deductible of the $147. Over the last 2 years she saved almost $600!! She had some hives that flared up on her body this year, so made an appointment with a dermatologist in town. The dermatologist ran some tests and there were a couple of moles that were questionable he took off for further examination. The moles came back negative and the hives were determined to be due to stress and cleared up with medication. About 3 weeks later she received an explanation of benefit in the mail that showed that Medicare approved about $300 in medical expenses and she owed the dermatologist the $147 annual medical deductible. She has now met her annual deductible and will not have to worry about any more bills for anything Medicare A&B approved for the rest of the year!! Choose the Medicare Supplement PLAN G.

Finally, the PLAN G pricing tends to stay much more stable than the PLAN F pricing as you get older. I see people in their 70’s and 80’s that are paying $130-150 more a month for their PLAN F than they would have if they were on the PLAN G!! The reason is that the PLAN F is the most over utilized plan with Medicare. This causes much higher claims. Also, when someone is on Medicare and losing a group insurance plan or a Medicare Advantage HMO/PPO plan going out of business they can get the PLAN F with no medical questions guaranteed. In order to get the PLAN G, one would have to medically qualify which again keeps the claims down. This in turn keeps your monthly premium more stable and consistent. J The only time someone can get the PLAN G without medically qualifying is when they are turning 65 or getting their PART B for the first time. If you are turning 65 or getting your PART B for the first time…. Choose the Medicare Supplement PLAN G.

written by Greg Gurbikian, President/CEO Healthcare Solutions Direct

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Medicare Myths http://healthcaresolutionsdirect.com/medicare-myths/ http://healthcaresolutionsdirect.com/medicare-myths/#respond Thu, 14 May 2015 17:09:46 +0000 http://healthcaresolutionsdirect.com/?p=434 Clearing Up the Medicare Myths According to ObamaCareFacts.com There are lots of myths out there about Seniors and their Medicare health insurance. Let’s debunk some of the common myths about Medicare based Health Insurance and the Affordable Care Act: ObamaCare Means Medicare is Over ObamaCare replacing Medicare is a myth. ObamaCare does not replace Medicare or […]

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Clearing Up the Medicare Myths

According to ObamaCareFacts.com There are lots of myths out there about Seniors and their Medicare health insurance. Let’s debunk some of the common myths about Medicare based Health Insurance and the Affordable Care Act:

ObamaCare Means Medicare is Over

ObamaCare replacing Medicare is a myth. ObamaCare does not replace Medicare or Medicare Advantage, although it does reform some of the wasteful spending and other issues that were negatively affecting seniors. Everyone on Medicare or soon to be on Medicare, or to be on Medicare a decade from now will get Medicare.

In fact, certain features of the ACA protect Medicare benefits in new ways according to Nicole Duritz, AARP’s vice president for Health Education and Outreach.

To Comply With ACA Seniors Must Buy More Health Insurance

Seniors with Medicare do not have to purchase any other type of health insurance. Medicare is a recognized health insurance under the Affordable Care Act. If you have Medicare then you are in compliance. This groundless story came about from the Mandate. However, time the Exchanges open overlaps with Medicare open enrollment. Medicare policy owners may switch from traditional Medicare-to-Medicare Advantage and have the right to change their prescription coverage plans. However, the Exchanges do not deal with any Medicare changes. And there is no requirement for Medicare insured to make any changes.

Medicare Will Cost More

This is a half-truth.  Premiums are set to rise, as they did historically for individuals who earn more than $85,000 or couples with incomes in excess of $170,000. This is existing law and ObamaCare has nothing to do with it. Part B premiums for the more affluent will continue to be higher than for other income groups.

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