Allen Insurance Agency

Call: 1-800-335-0639

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John T. Allen, CLU
Insurance Broker
National Producer #: 4728680
1-800-335-0639
john@AllenInsuranceAgency.com

 

Discover more about your Medicare Insurance choices. Call toll-free 1-800-335-0639 to learn more or enter your zip code below to see which plans we offer in your area.

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Medicare 2011

Options Description Things to Consider
Original Medicare Part A & B is the federal government insurance plan available in all 50 states. You are responsible for deductibles, coinsurance, and copayments.
  • Part B premiums is $96.40 for most Americans.
  • Part B annual deductible is $162
  • Part A deductible is $1,132
  • You may go to any doctor or hospital that accepts Medicare
  • If the provider does not accept assignment from Medicare, you will be responsible for the bill at time of service.
  • Doctors can charge up to 15% more than Medicare approved amounts
  • Not all services are covered by Medicare, and you may have some additional out of pocket expenses
Medicare Supplement Insurance (Medigap) This is insurance in addition to Parts A & B (original Medicare). Medicare pays 80% of approved amounts, the supplement policy helps to cover the remaining 20%. There are 12 standardized policies (A - L) available through private insurance carriers.
  • There is a premium for the plan
  • Plans A, B, C, D, F, HDF, G, K, L, M, and N each have different benefits
  • Every policy except A, offer some deductible & coinsurance coverage
  • Some plans offer extra benefits not otherwise covered by Medicare (at home recovery, preventive care, foreign travel, etc)
  • Plans F & J have high deductible options
  • Medicare "Select" policies usually cost less because you must see specific hospitals and doctors.

Medicare is a US government health insurance program for citizens age 65 and older, or younger  persons with disabilities, or end stage kidney renal disease.

Medicare beneficiaries have many options, here are a few:

  • Keep original Medicare Parts A & B and pay the deductibles, coinsurance and copays out of your pocket
  • Keep original Medicare Parts A & B and buy a supplement plan that pays some or all of your cost sharing
  • Take one of the above and buy a Part D drug plan
  • Enroll in an Advantage Plan (Part C) with or without Part D included

 

Allen Insurance Agency is not employed by, connected with or endorsed by the State Department of Insurance, United States Government or the Federal Medicare program

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