Tuesday, February 11, 2014

Detroit Retirees losing Health Insurance

Relief for Detroit Retirees losing Health Insurance

The City of Detroit is revoking the health insurance benefits for all Detroit Retirees effective March 1st, the Retirees are not being offered Cobra or any assistance with purchasing a Medicare Supplement Insurance Plan. 

Medicare Provides Relief: Medicare is granting a Special Enrollment Period (SEP) for these Detroit Retirees, allowing them to join a Medicare Supplement, Medicare Advantage, or a Medicare Part D Plan effective March 1st. 

Call for Assistance in choosing the right Medicare Plan: Senior Healthcare Direct is owned my Robert Bache, aka "MedicareBob". If you are one of these retirees on Medicare and you are losing your health insurance benefits on March 1st, you are advised to call Senior Healthcare Direct immediately. 

Senior Healthcare Direct Contact Information: Call today, 1-855-368-4717, or go to www.SrHealthcareDirect.com 

Monday, February 10, 2014

How Does Medicare Part D work?

How Does Medicare Part D work?  

You will pay an Insurance Company a monthly premium and in return you will receive 3 levels of coverage.

Level 1: This is the type of prescription that you are used to, during the first level of coverage you will pay a set copay for each of your medications.

  • ·        Typically you will pay $0-4 dollars for Tier 1 generic medications
  • ·        Typically you will pay $12-20 dollars for Tier 2 generic medication
  • ·        Typically you will pay $35-40 dollars for Tier 3 “Preferred Brands”
  • ·        Typically you will pay $80-95 dollars for Tier 4 “non-Preferred Brands”

Level 2: Level 2 is often referred to as, “The Donut Hole”. You will reach level 2 coverage when your costs plus the costs that your insurance company has spent reaches $2,970.00 dollars. Once you reach level 2, you will not have a simple copay to pay, instead you will pay “co-insurance”, which means you will pay a percentage of what the insurance company is paying for each medication.
  • ·        Typically you pay 79% of generic medications
  • ·        Typically you pay 47.5% of brand name medications

Level 3: Once you and your insurance company have paid out about $4700 for your medications, you enter, “Catastrophic coverage”. Once you enter this level of coverage, your cost per medication is reduced substantially, and you are guaranteed to pay a small co-insurance for each medication.



Donut Hole Relief: Currently, you are required to pay 79% for Generics and 47.50% for Brand name medications, however these percentages are being reduced every year, and in 2020 the highest percentage you will pay is only 25%.

My name is Robert Bache aka, MedicareBob. I am a licensed insurance agent and I specialize in Medicare. Please contact me with any of you Medicare Insurance questions. 
Phone Number: 1-800-525-0299
www.MedicareBob.com 
www.SrHealthcareDirect.com 
Robert@SrHealthcareDirect.com 


Sunday, December 29, 2013

Pinellas County Florida Medicare 2014 Wellcare Plan


 

Hello Pinellas County Florida, Robert Bache, aka MedicareBob here with a follow up blog. After my last blog regarding the 2014 Wellcare Dividend Medicare Advantage Plan that will pay you back most of the $104 that Medicare deducts from your Social Security,  a lot of people sent me e-mails asking me to provide the benefits of the Plan.

I researched the full Summary of Benefits, and typed up a summary for your convenience. I am providing this information to you because WellCare is one of the 20 Medicare Insurance Companies that I represent, and in Pinellas County I really the like this Plan. (Yes, Wellcare is actually going to pay you $104 per month to pick this Plan)

P.S. NO PAPERWORK, I am approved to enroll you right over the phone, just call or e-mail me.

Robert Bache

Direct: 1-800-525-0299


 

 

Insurance Plan Summary
Insurer
WellCare
Plan
WellCare Dividend H1032-032
Plan Type
HMO

 

Medical Coverage
Primary Care
$0 copay
Specialist Visits
$30 copay
Routine Annual Physical
$0 copay
Routine Annual Eye
$0 copay for up to 1 supplemental routine eye exam(s) every year
Inpatient Hospital Care
$125 copay per day, days 1-10
Diagnostic Tests, X-rays, & Lab Services
$0 to $50 copay (or 20% of the cost)
Outpatient Surgery
$75 to $125 copay
Emergency Care
$65 copay, waived if admitted
Urgent Care
$45 copay, waived if admitted
Ambulance
$100 copay
Home Health Care
$0 copay
Skilled Nursing
$0 copay per day, days 1-20; $152 copay per day, days 21-100
Annual Deductible
N/A
Out-of-Pocket Maximum
$6,700.00
Out-of-Network Coverage
It may cost more to get care from out-of-network providers, except in an emergency. See Plan Details for additional information.

 

Prescription Drug Coverage
Pharmacy Deductible
$0
Retail (one month)
$0/$6/$30/$75/33%
Mail (three month)
$0/$12/$60/$150

 

Blog provided by Robert Bache, “MedicareBob”. Robert Bache is a Licensed Medicare Insurance Broker. Robert Bache owns Senior Healthcare Direct, one of the leading Medicare Insurance Agency in the Country.

To learn more about Robert Bache or Senior Healthcare Direct, review the websites listed.



Toll Free: 1-855-368-4717

Reasons to work with Robert Bache, to name a few:

1)      Medicare Insurance expert, but can really help you understand Medicare too.

2)      Options, as a Broker, Robert Bache has the Medicare Insurance options to offer an unbiased recommendation.

3)      Annual Reviews: NO MORE GUESSING, Senior Healthcare Direct will be there to help you every year so that you do not have to guess if your Plan is still the best.

 

Saturday, December 28, 2013

Pinellas County Florida 2014 Medicare Advantage Plan

Pinellas County Florida 2014 Medicare Advantage Plan:

WellCare has a Medicare Advantage Plan that is available in 2014 that will actually pay you back most of the $104 that Medicare deducts from your Social Security Check. The benefits on the plan are actually pretty good as well.

If you are turning 65 years old or are new to Medicare, and you would like to learn more about this Wellcare Part B Rebate Program, go to www.SrHealthcareDirect.com and/or call me directly.

Robert Bache aka "MedicareBob"
Senior Healthcare Direct
Direct Phone: 800-525-0299
Bob@MedicareBob.com

Tuesday, December 3, 2013

Brazos County Texas Medicare Supplement Quotes



Brazos County Texas Medicare Supplement Quotes:
Effective November 2013:

Medicare Supplement Insurance: You pay a monthly premium, and in return your Medicare Supplement pays your medical and hospital bills that Medicare does not pay.
The three most comprehensive Medicare Supplement Plans are:
Medicare Supplement Plan F: Full Coverage
Medicare Supplement Plan G: Small Deductible ($147.00)
Medicare Supplement N: Small Deductible & Copays (Part B Excess
)
A Medicare Supplement (Medigap) also provides freedom when choosing your own Doctors and Hospitals.
Medicare Supplement Insurance pricing is based on: Age, Tobacco Use, Zip Code, etc.
                   Brazos County Texas     Zip Code:   77801

Senior Healthcare Direct represents over 26 different insurance companies. Our services are no cost to you; we are paid by the insurance companies.
A Medicare Insurance Agent costs you nothing,
but adds Customer
Service, Expertise,
Telephonic Enrollment and Customer Service!

Below are the lowest Medicare Supplement quotes available in
                                  Brazos County Texas:                        

Medicare Supplement Male Quotes:
Age
Plan F
Plan G
Plan N
65
$125.13
$107.67
 $85.74
68
$134.89
$116.02
 $93.67
72
$155.63
$126.68
 $108.62

_________________________________________________
Get the best value for your Medicare Plan, call Robert Directly:
                                     1-800-525-0299.
_____________________________________________
Medicare Supplement Female Quotes:
Age
Plan F
Plan G
Plan N
65
$108.81
 $93.63
 $74.56
68
$118.07
 $102.53
 $81.45
72
$135.33
 $112.74
 $94.45

Call Senior Healthcare Direct today to receive your Custom
Medicare
Supplement Quote: 1-855-368-4717 OR
Go to: http://srhealthcaredirect.com/quoting-engine-2/

Robert W. Bache aka “MedicareBob”
President / Producer
Senior Healthcare Direct
Direct Toll Free: 1-800-525-0299
Company Toll Free: 1-855-368-4717
Learn more about Robert Bache aka “MedicareBob” http://srhealthcaredirect.com/medicarebob/
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