MedicareBob

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right with MedicareBob"   

United Airlines Corona Virus: Medicare Help for Airline Workers  

 In this video, Robert Bache "MedicareBob" talks about seniors being forced into retirement because of the COVID-19 pandemic and how Senior Healthcare Direct can help with enrolling them into Medicare and finding a plan that suits their needs. Read the full article here: https://www.seniorhealthcaredirect.com/united-airlines-coronavirus/   

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"  

 Indiana Medicare Supplement Quotes - Indiana Medigap Rates - Indianapolis Plan G Quotes  

This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 75, in Marion County Indianapolis, Indiana (zip code 46227). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $198.  

 If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"   

Michigan Medicare Supplement Quotes - Michigan Medigap Rates - Barton City Plan G Quotes  

This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 75, in Barton City, MI (zip code 48705 ). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $198.   

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right with MedicareBob"

  COVID-19: What is Medicare doing to Help?  

In this video, MedicareBob discusses COVID-19, the impact it is having, how our office can help and what Medicare is doing to help.   If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages: 

 Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

#COVID19andRetirement #whatismedicaredoingtohelp

Compare Medicare Supplement Plans Here:  https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"   

Michigan Medicare Supplement Quotes - Michigan Medigap Rates - Grand Rapids Plan G Quotes 

 This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 75, in Grand Rapids, Michigan (zip code 49507). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $198.  

 If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1 

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"  

BIG CHANGES TO MEDICARE ADVANTAGE 2021 FOLLOW UP  

In this video, Medicarebob discusses more changes taking place in 2021. These changes affect the max out of pocket cost for Medicare Advantage plans. The 2021 Medicare Advantage plan listings will be made available to view on October 1st, 2020. Medicarebob also reviews the difference between Medicare Advantage plans and Medicare Supplement plans. Contact our office today! We'd love to help you look at your options!  

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"   

Missouri Medicare Supplement Quotes - Missouri Medigap Rates - Kansas City Plan G Quotes  

This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 75, in Kansas City, Missouri (zip code 64124). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $198.   

If you have any questions regarding Medicare, its coverage or its plans, please give our office a call at 1-855-368-4717 or visit one of our pages: 

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube -https://www.youtube.com/c/RobertBache?_confirmation=1  

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right with MedicareBob"  

WHY DID MY MEDICARE SUPPLEMENT PLAN INCREASE IN JULY? 

 In this video, Medicarebob answers your question: Why did my Medicare Supplement Plan increase in July? Many have asked this question. Interestingly enough, it has a very simple answer. Find out the answer by watching the video! 

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"   

Why Is Medicare Supplement Plan F Increasing In Price?  

Starting January 1st, 2020 Plan F has been discontinued for new enrollees into Medicare. If you turned 65 or started Medicare before January 1st, 2020 you can still purchase the Plan F.  In this video, Medicarebob tells you the truth about Plan F and answers the following questions:  

• If I have Plan F, can I keep it? 
• Will my rates increase significantly if I am on Plan F? 

Medicarebob discusses these questions in great detail along with some much needed information on Plan F.   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1   

#whyismedicaresupplementplanfincreasinginprice #medicaresupplementplanfincreasing #medicareplanf2020

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"

Missouri Medicare Supplement Quotes - Missouri Medigap Rates - Saint Louis Plan G Quotes

This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 75, in Saint Louis, Missouri (zip code 63118). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $198.   

If you have any questions regarding Medicare, its coverage or its plans, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube -https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"   

A FIRST LOOK AT THE 2021 MEDICARE PART D PLANS

In this video, Medicarebob discusses the 2021 drug plans! He goes over the four levels of drug plans and how this will change this coming year. The four levels include: the deductible, initial coverage, coverage "gap" (the donut hole), and catastrophic coverage. Medicarebob shares how the deductible will impact the drug plans in a new way. The new Part D drug plans are going to be available as soon as October 1st. You can change your drug plan between October 15th and December 7th.   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website- https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1   

#firstlookpartd2021 #2021medicaredrugplans #medicarepartd2021

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"   

BIG CHANGES TO MEDICARE ADVANTAGE PLANS IN 2021  

In this video, Medicarebob discusses some upcoming changes to Medicare in 2021. He will answer the following questions: 

•  How will these changes affect me? 
•  Are there changes for those who have ESRD? 
•  What type of plans will this change impact?  

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1   

#Medicareadvantage2021 #medicareupdate2021 #medicareadvantageplanesrd

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

"Medicare Done Right with MedicareBob"  

Senior Healthcare Direct adds Gym and Home Workout Programs for Members  

Starting July 1st, anyone who has a Medicare policy with Senior Healthcare Direct will get access to the new Active and Fit Program. This program will allow members to access over 11,000 gyms and over 1,500 digital workout videos. This month, there isn't an enrollment fee! Insurance Carriers have had similar health programs. However, their health programs have been restricted to a particular carrier. The great thing about the Active and Fit program is it is not restricted to just one insurance carrier.   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

"Medicare Done Right with MedicareBob"  

Medicare Chiropractic Services and Tips for 2020  

In this video, Medicarebob discusses what Medicare covers when it comes to Chiropractic services. He also discusses what it doesn't cover and how you can still get full coverage on all of your visits.   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

#medicarechiropracticservices #medicarechiropracticservices2020  #medicarechiropracticservicesandtips

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

"Medicare Done Right with MedicareBob"   

Did You Know Humana Offers Medicare Supplement Plans?  

Humana is known for offering Advantage Plans and Part D Prescription Drug Plans. However, did you know they also offer Medicare Supplement Plans? These plans include Plan F, G, and N. In this video Medicarebob explains the difference between each. These plans differ because some include a deductible while others have a copay. This video will help you decide which plan is best for you!  

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right with MedicareBob"   

Do You Need A Cancer Policy With Your Medicare Coverage? 

In this video, Medicarebob discussed Cancer Policies and your Medicare coverage. He answers the following questions: 

• Do you need a Cancer Policy with your Medicare coverage? 
• What is a Cancer Policy? 
• Do I need a Cancer Policy? 
• How does this type of policy work?
• How much does it cost? 
• What type Medicare coverage needs Cancer coverage? 
• Why is it a good idea to get a Cancer Policy?  

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right with MedicareBob"   

How to Sign Up for Medicare During Covid 19   

Due to Covid 19, many are now deciding to retire and some group coverage are ending by next month. Social Security offices are now closed and many are needing help signing up for Part B of Medicare. We here at Senior Healthcare Direct are able to help today! We have the necessary resources available to help you get your Medicare Plan started from the comfort of your home!  

All of our agents are AHIP Certified by Medicare, we have the largest video library of Medicare educational videos and we are one of the only Medicare Insurance Marketplaces that offer both Medicare Supplement Plans and Medicare Advantage Plans. This makes us the most qualified in helping choose the right Medicare Plan for you. We have a dedicated customer support team that assists our clients with shopping and/or renewing their Medicare Plan every year, including their drug plans. We also work with all the Major Medicare insurance carriers: Aetna, Anthem Blue Cross and Blue Shield, Central States Indemnity, Cigna, Coventry, Combined Insurance, Equitable Life, Heartland National, Humana, Manhattan Life, Medico, Mutual of Omaha, Oxford Life, Standard Life, Wellcare, etc.   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1   

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

"Medicare Done Right with MedicareBob"   

Does Medicare Cover Acupuncture?  

In this video, Medicarebob goes over some exciting news! Medicare now covers Acupuncture! This came into effect in January 2020. Medicarebob shares the details of this addition.   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

"Medicare Done Right with MedicareBob"   

I Thought The Part B Deductible Was Only $198!  

Medicarebob discusses the Part B deductible and answers the following questions: 

• Why am I getting bills if I have Plan G? 
• What can I do if I already met my Part B deductible? 
• Do I have to pay more than the Part B deductible?  

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1   

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right with MedicareBob"   

How are Medicare Insurance Agents Paid?  

Medicarebob answers the following questions: 

• Is using an agent going to cost or save me money? 
• How are insurance agents paid? 
• What happens if I don't use an agent?   

Choosing your plan can be difficult if you don't have the right help. That's why most individuals work with an insurance agent. Medicarebob and his team at Senior Healthcare Direct can help you find the best coverage for you!  

 All of our agents are AHIP Certified by Medicare, we have the largest video library of Medicare educational videos and we are one of the only Medicare Insurance Marketplaces that offer both Medicare Supplement Plans and Medicare Advantage Plans. This makes us the most qualified in helping choose the right Medicare Plan for you. We have a dedicated customer support team that assists our clients with shopping and/or renewing their Medicare Plan every year, including their drug plans. We also work with all the Major Medicare insurance carriers: Aetna, Anthem Blue Cross and Blue Shield, Central States Indemnity, Cigna, Coventry, Combined Insurance, Equitable Life, Heartland National, Humana, Manhattan Life, Medico, Mutual of Omaha, Oxford Life, Standard Life, Wellcare, etc.   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/

 "Medicare Done Right with MedicareBob"   

Does My Doctor Accept Medicare Supplement Plan N?  

In this video, Medicarebob answers the popular question, "Does my doctor accept Medicare Supplement Plan N?"  

Plan N is explained in great detail along with other commonly held questions. These include:

- What are Part B Excess charges? 

- What is Medicare Assignment? 

- How common are Part B excess charges?  

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/  

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

 "Medicare Done Right with MedicareBob"   

In this video, MedicareBob talks about why Medicare really isn't so confusing. He explains how simple it can be to find the right coverage. Medicare seems to have 100 different options. However, MedicareBob shows you how to find the right coverage the simple way. Some topics or questions contained within this video include: 

- Medicare Advantage vs. Medicare Supplement Plans 

- How can I get either plan?   

We at Senior Healthcare Direct can help you figure out which is the best plan from the comfort of your own home.   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/  

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

 "Medicare Done Right with MedicareBob"   

Does Medicare Supplement Plan N pay your hospital bills?  

MedicareBob covers a big questions regarding Plan N, "Does Plan N pay your hospital bills? Find out exactly what Plan N covers and how the copay for the Emergency Room really works!  

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/  

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

"Medicare Done Right with MedicareBob"  

HOW TO SIGN UP FOR MEDICARE WHEN THE SOCIAL SECURITY OFFICE IS CLOSED 

MedicareBob explains how you can sign up for Medicare from the comfort of your own home. Our agents have the resources available to help you get this step completed today! Find out how easy it is!  

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/  

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1   

#signupformedicare #howdoisignupformedicare#signupformedicarefromhome

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

 "Medicare Done Right with MedicareBob"   

Plan G or Plan N? Which is the best Medicare Supplement? 

In this video, MedicareBob discusses the difference between Plan G and Plan N. Wondering which one to choose? MedicareBob answers the following questions:

•  What do they cost?
•  What do they cover? 
•  Which one is the most comprehensive?   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages: 

Website - https://www.seniorhealthcaredirect.com/  

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1   

#plangorn #plangorplann#whichisthebestsupplementplan

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right, with MedicareBob" 

Customer Service Update Corona Virus  

We at Senior Healthcare Direct want you to know that we will continue to be here for our clients! We are still available for you when it comes to your Medicare coverage. Please call us at 1-855-368-4717. We are available Mon-Fri 9am-7pm EST.  

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

#medicarecustomerservice#medicarecustomerservicecoronavirus #seniorhealthcaredirect #medicarelatestupdatesoncoronavirus

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right, with MedicareBob" 

 United Healthcare (AARP) Plans in 2020 

 In this video, MedicareBob discusses the Supplement plans United Healthcare (AARP) is offering in 2020. These include plan A, B, C, F, G, K, L and N. To learn about what each plan covers, take a look at this video. You will also learn which is the most recommended plan!   United Healthcare is a great insurance carrier. They are one of the 30 "A rated" carriers we represent. United Healthcare provides a wide variety of products in addition to the Supplement Plans. This includes a fitness program that is attached to their Supplement (Medigap) plans. In order to obtain a plan from United Healthcare, you must first become a member. Hear more on why they are a great company and sign up for a United Healthcare (AARP) Supplement Plan with us today!  

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

#aarpunitedhealthmedicaresupplementplans #aarpunitedhealthcaremedicaresupplementplans2020 #aarpmedigapplans2020

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

"Medicare Done Right, with MedicareBob"  

Mutual of Omaha Medigap Plans in 2020 

 In this video, MedicareBob discusses the Supplement plans Mutual of Omaha is offering in 2020. These include plan A, F, HDF, G and N. To learn about what each plan covers, take a look at this video. You will also learn which is the most recommended plan.    

Mutual of Omaha provides a wide variety of products in addition to the Supplement Plans. In addition to the Supplement plans, Mutual of Omaha offers great vision and dental coverage. Hear why they are a great company and sign up for a Mutual of Omaha Supplement Plan with us today!   

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

#MutualofOmahamedigapplans2020 #Mutualofomahamedicaresupplementplans2020 #Mutualofomahamedigapplansin2020

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 75, in Charleston, West Virginia (zip code 25314). 

Medicare Supplement Plan G is the most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $198.   

As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that.   

You may ask, “Why do these companies charge different prices if they are all the same?” That’s a great question. Carriers have different administrative costs and they have different profit goals. There are tons of different reasons why these big companies charge different prices. What you need to know is, just like in your Medicare book, Medicare Supplement Plan G is the same with every carrier.   The Medicare Supplement Plan G covers the following services: 

• The Medicare Part A hospital deductible – if you are hospitalized with the Medicare Supplement Plan G, you will have no hospital bill. • Medicare Part B coinsurance or co-payment – there are no co-pays with the Medicare Supplement Plan G. 

• Blood (the first 3 pints) 

• Medicare Part A hospice care coinsurance or co-payment 

• Skilled nursing facility care coinsurance 

• Medicare Part A coinsurance and hospital costs up to an additional year after Medicare benefits are used up 

• Medicare Part B Excess Charges – This is when doctors are allowed to charge up to an additional 15% over and above what Medicare has approved. 

• Foreign Travel benefits – this covers foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn’t otherwise cover the care. It pays 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year and has a lifetime limit of $50,000. 

• There is no out-of-pocket limit  

If you have any questions regarding Medicare, its coverage or its plans, please give our office a call at 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

#WestVirginiaMedicareSupplementQuotes #WestVirginiaMedigapRates #CharlestonPlanGQuotes

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/

 "Medicare Done Right, with MedicareBob"  

Aetna Medigap Plans in 2020  

In this video, MedicareBob discusses the Supplement plans Aetna is offering in 2020. These include plan A, B, F, HDF, G and N. To learn about what each plan covers, take a look at this video. You will also learn which is the most recommended plan.    

Plus, MedicareBob updates us on Aetna's new household discounts available soon!   

Aetna provides a wide variety of products in addition to the Supplement Plans. Hear why they are a great company and sign up for an Aetna Supplement Plan with us today!   

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

  #Medicare #MedicareBob #Medicaresupplements #Seniorhealthcaredirect  #aetnamedicaresupplements #aetnamedigapplans

Medicare Update on Coronavirus: https://www.medicare.gov/coverage/coronavirus-test?utm_campaign=20200305_gmd_prv_gal&utm_content=english&utm_medium=email&utm_source=govdelivery  

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right, with MedicareBob"  

Does Medicare Part B cover Coronavirus Testing? 

  MedicareBob discusses what Medicare Part B covers in regards to the Coronavirus. Questions you may be wondering about include: 

- What will it cost me to get tested as a Medicare Beneficiary? 

- Will my Part B deductible apply towards these costs?  

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1 

#CoffeewithMedicareBob #Medicare #MedicareBob #Medicaresupplements #Seniorhealthcaredirect #Medicarecancer #Medicareshorttermcare #Medicarerecoverycare

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right, with MedicareBob"  

Coffee with Medicare Bob: Banker's Fidelity's Ryan McMullen 

 In this video, MedicareBob speaks with Banker Fidelity's Vice President of Sales for Senior and Individuals, Ryan McMullen. Ryan and MedicareBob discuss Banker Fidelity's background as well as some of the products they offer. Products discussed include: Supplement Plans, Lump Sum Cancer Policies, and Short Term or Recovery Care.   All of these products are available to you here at Senior Healthcare Direct. Feel free to reach out to us! We'd love to help you today!  

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1 

 #CoffeewithMedicareBob #Medicare #MedicareBob #Medicaresupplements #Seniorhealthcaredirect #Medicarecancer #Medicareshorttermcare #Medicarerecoverycare

  MedicareBob discusses the difference between your two Medicare options: An Advantage Plan and a Supplement Plan. Through this video he goes over the pros and cons of each and what you should consider when doing your research.    

  All of our agents are AHIP Certified by Medicare, we have the largest video library of Medicare educational videos and we are one of the only Medicare Insurance Marketplaces that offer both Medicare Supplement Plans and Medicare Advantage Plans. This makes us the most qualified in helping choose the right Medicare Plan for you. We have a dedicated customer support team that assists our clients with shopping and/or renewing their Medicare Plan every year, including their drug plans. We also work with all the Major Medicare insurance carriers: Aetna, Anthem Blue Cross and Blue Shield, Central States Indemnity, Cigna, Coventry, Combined Insurance, Equitable Life, Heartland National, Humana, Manhattan Life, Medico, Mutual of Omaha, Oxford Life, Standard Life, Wellcare, etc.  

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

#CoffeewithMedicareBob #Medicare #MedicareBob #Medicaresupplements #Seniorhealthcaredirect #MedicareAdvantage

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right, with MedicareBob"  

Coffee with MedicareBob and Support Staff Member: Sue 

In this video, MedicareBob answers some popular questions. 

Sue, from our Support Staff, joins him as he answers the following questions: 

- What is Medicare? 

- What does Medicare Part A cover? 

- What does Medicare Part B cover? 

- What are your coverage options? 

- What is a Medicare Advantage Plan?  

- What is a Medicare Supplement Plan? 

- When am I automatically approved for a Supplement Plan?  

MedicareBob goes over an easy way to understand the difference between an Advantage Plan and a Supplement Plan!   

Sue, along with the rest of our team, is here to help you look into your Medicare options. All of our agents are AHIP Certified by Medicare, we have the largest video library of Medicare educational videos and we are one of the only Medicare Insurance Marketplaces that offer both Medicare Supplement Plans and Medicare Advantage Plans. This makes us the most qualified in helping choose the right Medicare Plan for you. We have a dedicated customer support team that assists our clients with shopping and/or renewing their Medicare Plan every year, including their drug plans. We also work with all the Major Medicare insurance carriers: Aetna, Anthem Blue Cross and Blue Shield, Central States Indemnity, Cigna, Coventry, Combined Insurance, Equitable Life, Heartland National, Humana, Manhattan Life, Medico, Mutual of Omaha, Oxford Life, Standard Life, Wellcare, etc.    

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1 

 #CoffeewithMedicareBob #Medicare #MedicareBob #Medicaresupplements #Seniorhealthcaredirect #MedicareAdvantage

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

 "Medicare Done Right with MedicareBob"  

Medicare Advantage Dis-enrollment

In this video, MedicareBob discusses the Medicare Advantage dis-enrollment period.  

Some questions answered include: 

- When does this take place?  

- When does it end?  

- Can you change from one Advantage plan to another Advantage plan?  

- Can you switch from an Advantage plan to Original Medicare?  

- Can you go from an Advantage plan to a Supplement (Medigap) plan? 

Time is running out!!!    

  All of our agents are AHIP Certified by Medicare, we have the largest video library of Medicare educational videos and we are one of the only Medicare Insurance Marketplaces that offer both Medicare Supplement Plans and Medicare Advantage Plans. This makes us the most qualified in helping choose the right Medicare Plan for you. We have a dedicated customer support team that assists our clients with shopping and/or renewing their Medicare Plan every year, including their drug plans.   

For more information on your options, please call: 1-855-368-4717 or visit one of our pages:

Website - https://www.seniorhealthcaredirect.com/  

Facebook - https://www.facebook.com/MedicareBob/  

Podcast - https://anchor.fm/MedicareBob  

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1   

#Medicareadvantage #Medicareadvantagedisenrollment #Medicareadvantage2020

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

Medicare Done Right with MedicareBob

  This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 75, in Morgantown, West Virginia (zip code 26505). Medicare Supplement Plan G is the most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $198.   

  As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that.   

  You may ask, “Why do these companies charge different prices if they are all the same?” That’s a great question. Carriers have different administrative costs and they have different profit goals. There are tons of different reasons why these big companies charge different prices. What you need to know is, just like in your Medicare book, Medicare Supplement Plan G is the same with every carrier. 

The Medicare Supplement Plan G covers the following services: 

• The Medicare Part A hospital deductible – if you are hospitalized with the Medicare Supplement Plan G, you will have no hospital bill. 

• Medicare Part B coinsurance or co-payment – there are no co-pays with the Medicare Supplement Plan G. 

• Blood (the first 3 pints) • Medicare Part A hospice care coinsurance or co-payment 

• Skilled nursing facility care coinsurance 

• Medicare Part A coinsurance and hospital costs up to an additional year after Medicare benefits are used up 

• Medicare Part B Excess Charges – This is when doctors are allowed to charge up to an additional 15% over and above what Medicare has approved. 

• Foreign Travel benefits – this covers foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn’t otherwise cover the care. It pays 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year and has a lifetime limit of $50,000. 

• There is no out-of-pocket limit  

If you have any questions regarding Medicare, its coverage or its plans, please give our office a call at 1-855-368-4717 or visit one of our pages:    Website - https://www.seniorhealthcaredirect.com/

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube -https://www.youtube.com/c/RobertBache?_confirmation=1  

#WestVirginiaMedicareSupplementQuotes #WestVirginiaMedigapRates #MorgantownPlanGQuotes

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right with MedicareBob" 

Medicare Supplement Insurance Underwriting - AARP  

  Medicare Supplement insurance underwriting is NEVER required when you are first eligible and Apply for Medicare during your initial Open Enrollment Period (OEP). This is a 7-month period: 3 months before you turn 65, the month you turn 65, and 3 months after you turn 65. As a result, you can NEVER be disqualified for coverage based on your health condition during this period. In other words, you can have health conditions and your coverage will NOT be denied. Moreover, the plan can NEVER charge more if you have health issues during OEP. When you apply for Medicare during this period your acceptance into a Medigap Plan is guaranteed. According to Medicare.gov the best time to buy a Medigap policy is during your open enrollment period.  

When is Medigap insurance underwriting required? 

  If the first time you enroll in Medicare Supplement Plan is AFTER your initial Open Enrollment Period, Medigap underwriting is required. In other words, you did NOT apply for Medicare during your initial OEP. When you switch to a different Medigap Plan after your initial Open Enrollment Period, then underwriting is required. Likewise, when you switch from Medicare Advantage Plan to Medigap Plan after your initial OEP, then underwriting is required.  

  Anytime you apply for Medicare Supplement Plan (Medigap) outside your initial Open Enrollment Period (OEP), you will have to answer underwriting questions. Medigap policies are sold by private insurance companies. As a result, some underwriting questions insurance carriers ask will be different. However, many insurance companies ask similar questions. The following are the most common underwriting questions.....

  Please read more here: https://www.seniorhealthcaredirect.com/medicare-supplement-insurance-underwriting/  

  One of our agents can help you look into your options! We are here to help!  What does working with one of our agents cost? Nothing! It costs you zero. All of our agents are AHIP Certified by Medicare, we have the largest video library of Medicare educational videos and we are one of the only Medicare Insurance Marketplaces that offer both Medicare Supplement Plans and Medicare Advantage Plans. This makes us the most qualified in helping choose the right Medicare Plan for you. We have a dedicated customer support team that assists our clients with shopping and/or renewing their Medicare Plan every year, including their drug plans. We also work with all the Major Medicare insurance carriers: Aetna, Anthem Blue Cross and Blue Shield, Central States Indemnity, Cigna, Coventry, Combined Insurance, Equitable Life, Heartland National, Humana, Manhattan Life, Medico, Mutual of Omaha, Oxford Life, Standard Life, Wellcare, etc.   

In order to see if you qualify for this coverage, please give our office a call at 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1 

 #MedicareSupplementUnderwriting #AARPSupplementUnderwriting2020

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/ 

 "Medicare Done Right, with MedicareBob"  

Coffee with MedicareBob and Digital Marketing Team Member: Janidsa

  In this video, we will be answering your frequently asked questions. Janidsa from our Digital Marketing Team, works daily on our Facebook page to make sure everyone's questions are answered.   

The most frequently asked questions are:  

- Is Plan F going away? 

- What's the difference between F and G?   

We also discuss a popular comment seen on Facebook and what's predicted for Medicare in 2020!  

We at Senior Healthcare Direct work with you to make sure that you not only have the best coverage but that you are educated in your decision making as well!  

 If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:  

 Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

#CoffeewithMedicareBob #Medicare #Medicaresupplements #Seniorhealthcaredirect

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1  

#CoffeewithMedicareBob #Medicaresupport #Medicareapplications #Seniorhealthcaredirect

  Medicare Supplement plans require medical underwriting in order to switch plans. So whether you are shopping for another Medicare Supplement plan with a lower premium or wanting to switch from a Medicare Advantage plan to a Medicare Supplement, you will have to answer medical questions after your first initial Open Enrollment period.  

   Everyone has the opportunity to get a Medicare Supplement when they first turn 65, or when they first start Medicare Part B, without having to medically qualify. This is called your Open Enrollment Period and it begins 6 months before and ends 6 months after your 65th birthday or your Medicare Part B start date. After that time frame, everyone is subject to medical underwriting.  

   The Medicare Supplement medical underwriting process only consists of around 20 medical questions, there is no physical or lab work. There are around 30 different carriers that offer Medicare Supplements and they all have different guidelines. In general, most carriers want at least a two-year stable bill of health.

    Senior Healthcare Direct is licensed and appointed with over 30 of the top Medicare Insurance carriers for this reason. Every year we perform annual policy reviews for our clients and having access to these carriers allows us to shop every possible option for our clients. As for any potential clients, if they are not able to medically qualify with one carrier, we will research all of our licensed carriers for a carrier that will approve them.

 If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:   

Website - https://www.seniorhealthcaredirect.com/

Facebook - https://www.facebook.com/MedicareBob/

Podcast - https://anchor.fm/MedicareBob

Twitter - https://twitter.com/MedicareBob

YouTube - https://www.youtube.com/c/RobertBache... 

#MedicareSupplementUnderwriting #AetnaMedicareSupplementUnderwriting2020

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

The following article was taken from our website at www.seniorhealthcaredirect.com/medicare-supplement-insurance-underwriting/  Medicare Supplement Insurance Underwriting February 20, 2020/in Medicare Supplements (Medigap) /by Brian Kondas  

Medicare Supplement insurance underwriting is NEVER required when you are first eligible and Apply for Medicare during your initial Open Enrollment Period (OEP). This is a 7-month period: 3 months before you turn 65, the month you turn 65, and 3 months after you turn 65. As a result, you can NEVER be disqualified for coverage based on your health condition during this period. In other words, you can have health conditions and your coverage will NOT be denied. Moreover, the plan can NEVER charge more if you have health issues during OEP. When you apply for Medicare during this period your acceptance into a Medigap Plan is guaranteed. According to Medicare.gov the best time to buy a Medigap policy is during your open enrollment period.  

When is Medigap insurance underwriting required? 

• If the first time you enroll in Medicare Supplement Plan is AFTER your initial Open Enrollment Period, Medigap underwriting is required. In other words, you did NOT apply for Medicare during your initial OEP. 
• When you switch to a different Medigap Plan after your initial Open Enrollment Period, then underwriting is required. 
• Likewise, when you switch from Medicare Advantage Plan to Medigap Plan after your initial OEP, then underwriting is required.  

Anytime you apply for Medicare Supplement Plan (Medigap) outside your initial Open Enrollment Period (OEP), you will have to answer underwriting questions. Medigap policies are sold by private insurance companies. As a result, some underwriting questions insurance carriers ask will be different. However, many insurance companies ask similar questions. The following are the most common underwriting questions.....

Please read more here: https://www.seniorhealthcaredirect.com/medicare-supplement-insurance-underwriting/  

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 75, in Ocean County, New Jersey (zip code 08701). Medicare Supplement Plan G is the most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $198.   

As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that.   

You may ask, “Why do these companies charge different prices if they are all the same?” That’s a great question. Carriers have different administrative costs and they have different profit goals. There are tons of different reasons why these big companies charge different prices. What you need to know is, just like in your Medicare book, Medicare Supplement Plan G is the same with every carrier.   

The Medicare Supplement Plan G covers the following services: 

• The Medicare Part A hospital deductible – if you are hospitalized with the Medicare Supplement Plan G, you will have no hospital bill. 
• Medicare Part B coinsurance or co-payment – there are no co-pays with the Medicare Supplement Plan G. 
•  Blood (the first 3 pints) 
•  Medicare Part A hospice care coinsurance or co-payment 
• Skilled nursing facility care coinsurance 
• Medicare Part A coinsurance and hospital costs up to an additional year after Medicare benefits are used up 
•  Medicare Part B Excess Charges – This is when doctors are allowed to charge up to an additional 15% over and above what Medicare has approved. 
•  Foreign Travel benefits – this covers foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn’t otherwise cover the care. It pays 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year and has a lifetime limit of $50,000. 
•  There is no out-of-pocket limit 

 If you have any questions regarding Medicare, its coverage or its plans, please give our office a call at 1-855-368-4717 or visit one of our pages:  Website - https://www.seniorhealthcaredirect.com/

 Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube -https://www.youtube.com/c/RobertBache?_confirmation=1

“Starting January 1, 2020, Medigap plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.” https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies

The next topic is “Should you keep your Plan F?”There has been some serious debate on whether or not you should keep the Plan F or switch to the Plan G or Plan N. The Plan F is a great plan, however with the changes that have been made to the plan, it is not the most cost-effective Medicare Supplement plan.

1. Medical Underwriting. Most people do not realize that in order to switch any of the Medicare Supplements you must medically qualify. Many people are saying they want to wait to switch because they want to wait to see if the premiums will increase with the Plan F.  However, if in a year or more you want to switch, it may not be possible because of health reasons. Now, if you already have the Plan F and have pre-existing conditions, you should definitely keep it because the coverage will be much better than a Medicare Advantage plan which will most likely be the only plan you will qualify for.

2. Part B Deductible Increasing. The Part B Deductible is likely to continue increasing. This will also cause the Plan F Premiums to increase at a higher rate than Plan G or Plan N. Let me explain: Imagine that Plan F, Plan G and Plan N all have one million people in each plan and the Part B deductible increases by $20. The one million people in the Plan G and Plan N all pay their own deductible so the insurance company is not going to have to pay any more money for the clients in those two plans. However, the one million people in the Plan F have their deductible paid by the insurance company. So, the Plan F is going to cost the insurance company $20 million more that year because of that increase in the Part B deductible. Who do you think will pay for that? Definitely not the carrier.

3. Guaranteed Issue plan. The Plan F is still going the be the G.I. plan for anyone that is able to purchase the Plan F before January 1st, 2020. Over the next 10 years, anyone that qualifies for a G.I. plan will still be a much older group of people than the Plan G. Statistically, the older we get the more we will go to the doctor/hospital. The more claims in any plan, the higher the premiums.

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:

Website - https://www.seniorhealthcaredirect.com/

Facebook - https://www.facebook.com/MedicareBob/

Podcast - https://anchor.fm/MedicareBob

Twitter - https://twitter.com/MedicareBob

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/   

Plan F and Plan G are Medicare Supplements. They are designed to work with your Medicare, so Medicare pays 80% of your medical bills and the supplement would come in and pay the rest. The Plan F is the "Full Coverage" plan. It covers the 20% completely. You have no bills except for your monthly premium. The Plan G is almost exactly the same and the Plan F, the only difference is that the Plan G doesn't pay Medicare's Part B annual deductible of $198.00. After you meet that deductible, you have no medical bills, everything is covered just like Plan F. There are three main reasons Plan G is a better choice than Plan F: 

1.  Simple Math: Plan F costs $600 more per year in premium than Plan G, so why pay plan F $600 more when the only difference in benefits is that Plan G has a small $198 deductible? That is just giving more money to these big insurance Carriers for no reason. 
2.  Rate Stability: No one that turns 65 after 01/01/2020 will be able to purchase the Plan F. This will cause the Plan F premiums to increase quickly. 
3.  The Part B  Deductible is likely to continue increasing. This will also cause the F Premiums to increase at a higher rate than Plan G.

 If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:  

Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

Medicare Advantage Open Enrollment Period  

This description is taken directly from Medicare's Website: 

https://www.medicare.gov/sign-up-change-plans/joining-a-health-or-drug-plan  

What can I do?  

• If you’re in a Medicare Advantage Plan (with or without drug coverage), you can switch to another Medicare Advantage Plan (with or without drug coverage). 
• You can drop your Medicare Advantage Plan and return to Original Medicare. You'll also be able to join a Medicare Prescription Drug Plan.  

What can't I do?  

• Switch from Original Medicare to a Medicare Advantage Plan. 
• Join a Medicare Prescription Drug Plan if you're in Original Medicare. 
• Switch from one Medicare Prescription Drug Plan to another if you're in Original Medicare. 

 When?  

• January 1–March 31  

Note: If you enrolled in a Medicare Advantage Plan during your Initial Enrollment Period, you can change to another Medicare Advantage Plan (with or without drug coverage) or go back to Original Medicare (with or without a drug plan) within the first 3 months you have Medicare.  

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages: 

 Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

A huge Medicare Part D Update for 2020. This is very important for anyone that used Medicare’s Part D Plan Finder when shopping for their Medicare Part D plan for 2020.

In October, Medicare decided to roll out a new and “improved” Part D Plan Finder on their website on October 1st, 2019 only two weeks before the Annual Enrollment period. Unfortunately, the information in the Plan Finder was found to be conflicting with the information from the Part D carriers. Zip codes were incorrect, pharmacies, the premiums but most importantly the costs of the medications. There were numerous errors with their system. Unfortunately, anyone that was shopping for their Part D plan without the assistance of an agent or broker wouldn’t know if there were errors in the system and took their information as gospel.

This has resulted in many seniors with the wrong Part D plan. Luckily, Medicare has admitted the mistake and has allowed a Special Election Period under this specific circumstance. On Medicare’s website it reads: “If you believe you believe you made the wrong plan choice because of inaccurate or misleading information, including using Plan Finder, call 1-800-MEDICARE and explain your situation. Call center representatives can help you throughout the year with options for making changes.”

You can find this information under this link to Medicare’s website: https://www.medicare.gov/sign-up-change-plans/when-can-i-join-a-health-or-drug-plan/special-circumstances-special-enrollment-periods

Senior Healthcare Direct’s customer service agents have tested this SEP and it works! So please, if you feel that you have purchased the wrong Medicare Part D plan because of incorrect information on their Plan Finder, give Medicare a call and explain the situation to them and they will correct the mistake and put you on the Part D plan that’s best for you.

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages:

Website - https://www.seniorhealthcaredirect.com/

Facebook - https://www.facebook.com/MedicareBob/

Podcast - https://anchor.fm/MedicareBob

Twitter - https://twitter.com/MedicareBob

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1

Compare Medicare Supplement Plans Here: https://www.seniorhealthcaredirect.co... 

This Rate Watch Wednesday is focused on the Medicare Supplement Plan G for a male and female, ages 65 through 75, in Charlotte, North Carolina (zip code 28269). Medicare Supplement Plan G is the second most comprehensive Medicare Supplement Plan and it offers the greatest value. It allows you to keep your doctor and hospital, so you can go anywhere in the country that accepts Medicare. The only out of pocket with the Medicare Supplement Plan G, after the premium, is Medicare’s very small Part B annual deductible of $198.  

As I have said before, Medicare Supplement plans are all Federally regulated by the government. There is no reason for anyone to pay more for their Medicare Supplement Plan G with one carrier over another because the letter of the plan dictates the coverage, not the carrier. You are not getting any additional benefits by paying more. That’s why it is important to shop your Medicare Supplement coverage every year, and we can help you with that.  You may ask, “Why do these companies charge different prices if they are all the same?” That’s a great question. Carriers have different administrative costs and they have different profit goals. There are tons of different reasons why these big companies charge different prices. What you need to know is, just like in your Medicare book, Medicare Supplement Plan G is the same with every carrier.

If you have any questions regarding Medicare, its coverage or its plans, please give our office a call at 1-855-368-4717 or visit one of our pages:  Website - https://www.seniorhealthcaredirect.com/

Facebook - https://www.facebook.com/MedicareBob/

Podcast - https://anchor.fm/MedicareBob

Twitter - https://twitter.com/MedicareBob

YouTube -https://www.youtube.com/c/RobertBache...

Compare Medicare Plans Here: https://www.seniorhealthcaredirect.com/quote-3/  

Medicare Advantage Plan: A Private Company provides a health plan that you will use instead of using your traditional Medicare.  Medicare Advantage has a lower monthly premium. However, it requires you to pay some bills when you use the Plan. You will have co-pays, co-insurance and sometimes a deductible. Furthermore, you have to go to certain Doctors, Hospitals and other Providers (HMO / PPO). Most importantly, it has a max out of pocket for your protection. Therefore, once you have paid a certain amount, the plan will pay the rest of your healthcare cost. For example, in 2019 most HMO’s max out of pocket were around $4,000.00 and the PPO Plans were around $6,700.00. Lastly, Medicare Advantage plans may  include added benefits like dental, vision, even a gym membership.  

Medicare Supplement Plan: Medicare ( Parts A and B ) are your primary insurance and 2020 Supplement Plan pays the bills that Medicare would normally make you pay.  You can go to any Doctor, Hospital, or Provider in the Country that accepts Medicare. Moreover, you will very rarely have a healthcare cost other than your monthly premium. (My favorite Supplement Plan is the Plan G, once you pay the first $198.00 of your medical bills, you are done for the rest of the year!) However, it does have a higher monthly premium then a Medicare Advantage Plan. For example, a Supplement is usually between $80.00 and $120.00 per month.  One important thing to remember when choosing between a 2020 Medicare Advantage plan and a 2020 Medicare Supplement: if you chose a Medicare Advantage plan and later you want to upgrade to a Medicare Supplement plan, you are subjected to medically qualify. This is a huge factor in making a final decision between the two plans.  

If you have any questions regarding Medicare, please give our office a call at 1-855-368-4717 or visit one of our pages: 

 Website - https://www.seniorhealthcaredirect.com/ 

Facebook - https://www.facebook.com/MedicareBob/ 

Podcast - https://anchor.fm/MedicareBob 

Twitter - https://twitter.com/MedicareBob 

YouTube - https://www.youtube.com/c/RobertBache?_confirmation=1