Medicare Supplement Plan N Explained by Robert Bache:

Medicare Supplement Plan N Explained by Robert Bache:

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. There are many different Medicare Supplement Plans, each Medicare Supplement Plan is identified by a letter. The Medicare Supplement Plans are Federally Regulated and are required to offer the same coverage.

Example: Cigna's Medicare Supplement Plan N, offers the same coverage as Aflac's Medicare Supplement Plan N. The letter assigned to each plan dictates your coverage level, not the company that you choose as your Carrier.

Today, I want to focus on the benefits offered with the Medicare Supplement Plan N. Plan N is a good plan for a Medicare Beneficiary that wants the flexibility of being able to go to any Doctor or Facility that accepts Medicare, but also cannot justify paying a large monthly premium because they may be in good health.

Plan N's Hospital Coverage: If you are admitted into the hospital, the Medicare Supplement Plan N pays the Medicare Part A Deductible and all of the copays while you are in the hospital. However, if you are not admitted, than you will be required to pay a $50.00 copay for visiting the emergency room.

MedicareBob's thought: So this is pretty cool, we purchase insurance to protect ourselves against big hospital bills, and the Plan N satisfies this. $50.00 as a worse case for going to the hospital seems fair to me.

Plan N's Medical and Doctor Coverage: Medicare Supplement Plan N requires you to pay the Medicare Part B Deductible, for 2013 this amount is $147.00 for the whole year. With the Plan N, after you meet the annual deductible of $147.00, your Doctor has the right to charge "up to" a $20.00 copay. Typically, my Clients have shared with me that their average Primary Care Visit is a $10.00 copay, and a specialist charges the full $20.00.

MedicareBob's thought: Plan N pays the 20%, so again this is an example of having insurance for the "big things", and the Plan N does this by protecting you against the 20% that Medicare does not pay.

Part B Excess Charges: Plan N does not pay, "Part B Excess Charges". A Part B Excess Charge is when a Doctor does not accept "Medicare Assignment" (What Medicare has approved for the service provided). A Doctor can not pick and choose when to accept and not accept Medicare Assignment, either He/She does or does not.

MedicareBob's thought: The most the Part B Excess Charge can be is 15%, plus you can avoid them by asking your Doctor if He/She accepts "Medicare Assignment". In my experience, most do.

In summary, Medicare Supplement Plan in offers a lower monthly premium but at the same time offers very comprehensive coverage. Plan N is a great alternative to Medicare Supplement Plan F, as long as you understand that you will have some out of pocket costs when you use the Plan.

Get your FREE Medicare Supplement Plan N Quote now:

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
www.srhealthcaredirect.com
Learn more about Robert Bache aka “MedicareBob”
http://srhealthcaredirect.com/medicarebob/
https://www.facebook.com/robert.bache.Medicare
http://www.linkedin.com/pub/robert-bache/54/637/500
https://twitter.com/medicarebob

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Charleston County South Carolina Medicare Supplement Quotes

Charleston County South Carolina Medicare Supplement Quotes:

Effective July 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 and 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…

Charleston County South Carolina Zip Code: 29412

Senior Healthcare Direct represents over 26 different insurance companies. We get paid by the insurance Companies, not you.
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 

Charleston County South Carolina:

Medicare Supplement Male Quotes:

Age	Plan F	Plan G	Plan N
65	$133.18	$111.26	$88.60
68	$142.29	$119.52	$96.79
72	$165.54	$137.65	$112.24

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	$115.81	$96.75	$77.05
68	$125.67	$105.95	$84.16
72	$144.03	$119.76	$97.60

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

Bob@MedicareBob.com

www.srhealthcaredirect.com

 

Learn more about Robert Bache aka “MedicareBob”

http://srhealthcaredirect.com/medicarebob/

https://www.facebook.com/robert.bache.Medicare

http://www.linkedin.com/pub/robert-bache/54/637/500

https://twitter.com/medicarebob

Please “Like” Senior Healthcare Direct on Facebook:

https://www.facebook.com/MedicareBob?ref=hl

Medicare Supplement Plan G, the most cost-effective Medicare Supplement Plan.

Medicare Supplement Plan G is often the most cost-effective Medicare Supplement Plan.

Medicare Supplement Plans are also called, “Medigap”.

Medicare Supplement Plan G benefits:
Fills in all of the gaps to Medicare except the Medicare Part B deductible. The Medicare Part B deductible for 2013 is $147.00.

When you choose Medicare Supplement Plan G, you will no copays.

Medicare Supplement Plan G also provides the flexibility of choosing any doctor that accepts Medicare.

Senior Healthcare Direct represents all of the top Medicare Supplement Companies, we save you money by helping you shop.

FREE QUOTE: http://srhealthcaredirect.com/quoting-engine-2/ OR CALL TOLL FREE: 1-855-368-4717.

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

Learn more about Robert Bache aka “MedicareBob”

http://srhealthcaredirect.com/medicarebob/
https://www.facebook.com/robert.bache.Medicare
http://www.linkedin.com/pub/robert-bache/54/637/500
https://twitter.com/medicarebob

Please “Like” Senior Healthcare Direct on Facebook: https://www.facebook.com/MedicareBob?ref=hl

Baby Boomers are Purchasing Medicare Supplement Insurance over the Phone

Medicare Supplement Insurance, Medicare Beneficiaries are purchasing their Medicare Supplement Insurance over the Phone:

Senior Healthcare Direct is a Telephonic Medicare Insurance Agency that guarantees the most cost-effective and time-effective route in purchasing Medicare Supplement Insurance.

One phone call connects people shopping for Medicare Supplement Insurance to one of our agents that represents over 26 insurance companies in 40 states.

“It really is the best way to purchase Medicare Supplement Insurance, our agents only specialize in Medicare, our agents represent all of the top A+ rated insurance companies, and NO PAPERWORK”,
Robert Bache aka “MedicareBob”.

Insurance Companies have turned to electronic enrollment processes, it saves everyone time and money.
Senior Healthcare Direct represents: Aetna, Aflac, Cigna, Coventry, Mutual of Omaha, Humana, Heartland National, HealthSprings, GPM, United Healthcare, AARP Medicare Supplement Plans, Wellcare, and more…

The Baby Boomer generation is used to shopping and comparing information online / over the phone, and Senior Healthcare Direct offers both:

Shop now for FREE online: http://srhealthcaredirect.com/quoting-engine-2/

All Medicare Supplement Plans offer the same coverage, to get the best price is easy, Call today to speak to one of our Medicare Supplement Specialist:
1-855-368-4717.

Learn more about Robert Bache aka “MedicareBob”
http://srhealthcaredirect.com/medicarebob/
https://www.SrHealthcareDirect.com
https://www.facebook.com/robert.bache.Medicare
http://www.linkedin.com/pub/robert-bache/54/637/500
https://twitter.com/medicarebob

Please “Like” Senior Healthcare Direct on Facebook:
https://www.facebook.com/MedicareBob?ref=hl

Is Medicare Free?

Is Medicare Free?

For most people Medicare Part A has no premium, however for most people Medicare Part B does have a premium. The Medicare Part B premium is based on your income.

What a lot of people do not like is that it is not based on your current income, the Medicare Part B Premium is typically based on your income from 2 years prior.

Below is a chart illustrating what your Medicare Part B Premium is going to cost you for 2013.
Part B premiums by income:

If your yearly income in 2011 was		You pay (in 2013)
File individual tax return	File joint tax return
$85,000 or less	$170,000 or less	$104.90
above $85,000 up to $107,000	above $170,000 up to $214,000	$146.90
above $107,000 up to $160,000	above $214,000 up to $320,000	$209.80
above $160,000 up to $214,000	above $320,000 up to $428,000	$272.70
above $214,000	above $428,000	$335.70

Source for chart: www.medicare.gov

Robert Bache aka MedicareBob
Toll Free Cell Phone: 1-800-525-0299
Bob@MedicareBob.com
www.MedicareBob.com

Robert Bache aka MedicareBob owns and operates Senior Healthcare Direct. Senior Healthcare Direct is a National Telephonic Insurance Agency that represents over 26 Medicare Insurance Companies in 40 States. It is our job to help you understand Medicare and your all of your Medicare insurance options.
We want to be your Medicare Insurance Agent.
For more information please visit: www.SrHealthcareDirect.com
Call on of our agents to receive your Custom Medicare Supplement Quote: 1-855-368-4717
OR Go to: http://srhealthcaredirect.com/quoting-engine-2/
http://youtu.be/LdAYWr5tL1o

Harris County Texas Medicare Supplement Quotes July 2013

Harris County Texas Medicare Supplement Quotes:

Effective July 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 and 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…

Richland County South Carolina Zip Code: 77036

Senior Healthcare Direct represents over 26 different insurance companies. We get paid by the insurance Companies, not you.

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 Harris County Texas:

Medicare Supplement Male Quotes:

Age	Plan F	Plan G	Plan N
65	$155.11	$133.41	$108.98
68	$161.87	$143.47	$118.92
72	$193.39	$158.20	$138.51

 
STOP Paying more than you have too, call me directly: 1-800-525-0299

Medicare Supplement Female Quotes:

Age	Plan F	Plan G	Plan N
65	$139.53	$119.15	$95.73
68	$151.19	$132.34	$105.13
72	$173.67	$145.32	$122.77

Call us today to receive your Custom Medicare Supplement Quote:
1-855-368-4717

OR Go to: http://srhealthcaredirect.com/quoting-engine-2/

Robert Bache aka MedicareBob
Toll Free Cell Phone: 1-800-525-0299
Bob@MedicareBob.com
www.MedicareBob.com

Robert Bache aka MedicareBob owns and operates Senior Healthcare Direct. Senior Healthcare Direct is a National Telephonic Insurance Agency that represents over 26 Medicare Insurance Companies. It is our job to make sure that you always have the best price for your Medicare Supplement Plan.

We want to be your Medicare Insurance Agent.

For more information please visit: www.SrHealthcareDirect.com
http://youtu.be/3P_8gShW3gA

Cigna is now offering Medicare Supplement Insurance in Texas!!!

Texas Medicare Supplement Insurance:

Cigna is now offering Medicare Supplement Insurance in Texas!!!

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.

Call us today to receive your Cigna Medicare Supplement Quote:

1-855-368-4717

OR Go to: CIGNA_TEXAS_MEDICARE_SUPPLEMENT_QUOTE

Robert Bache aka MedicareBob

Toll Free Cell Phone: 1-800-525-0299

Bob@MedicareBob.com

www.MedicareBob.com

Robert Bache aka MedicareBob owns and operates Senior Healthcare Direct. Senior Healthcare Direct is a National Telephonic Insurance Agency that represents over 26 Medicare Insurance Companies. It is our job to make sure that you always have the best price for your Medicare Supplement Plan.

We want to be your Medicare Insurance Agent.

For more information please visit: www.SrHealthcareDirect.com

http://youtu.be/3P_8gShW3gA

 

Aflac is now offering Texas Medicare Supplement Insurance

Texas Medicare Supplement Insurance:

Aflac is now offering Medicare Supplement Insurance in Texas!!!

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.

Call us today to receive your Aflac Medicare Supplement Quote:

1-855-368-4717

OR Go to: AFLAC_TEXAS_MEDICARE_SUPPLEMENT_QUOTE

Robert Bache aka MedicareBob

Toll Free Cell Phone: 1-800-525-0299

Bob@MedicareBob.com

www.MedicareBob.com

Robert Bache aka MedicareBob owns and operates Senior Healthcare Direct. Senior Healthcare Direct is a National Telephonic Insurance Agency that represents over 26 Medicare Insurance Companies. It is our job to make sure that you always have the best price for your Medicare Supplement Plan.

We want to me your Medicare Insurance Agent.

For more information please visit: www.SrHealthcareDirect.com

http://youtu.be/3P_8gShW3gA

Richland County South Carolina Medicare Supplement Quotes Provided by Robert Bache aka MedicareBob

Richland County South Carolina Medicare Supplement Quotes:

Effective July 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 and 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…

Richland County South Carolina Zip Code: 29223

Senior Healthcare Direct represents over 26 different insurance companies. We get paid by the insurance Companies, not you.

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 Richland County South Carolina:

Medicare Supplement Male Quotes:

Age	Plan F	Plan G	Plan N
65	$121.72	$101.69	$80.98
68	$129.68	$108.93	$88.46
72	$150.87	$126.73	$102.58

STOP Paying more than you have too, call MedicareBob Directly: 1-800-525-0299
Medicare Supplement Female Quotes:

Age	Plan F	Plan G	Plan N
65	$105.84	$88.43	$70.42
68	$114.86	$96.84	$76.93
72	$131.64	$112.50	$89.20

Call us today to receive your Custom Medicare Supplement Quote:
1-855-368-4717

OR Go to: http://srhealthcaredirect.com/quoting-engine-2/

Robert Bache aka MedicareBob
Toll Free Cell Phone: 1-800-525-0299
Bob@MedicareBob.com
www.MedicareBob.com

Robert Bache aka MedicareBob owns and operates Senior Healthcare Direct. Senior Healthcare Direct is a National Telephonic Insurance Agency that represents over 26 Medicare Insurance Companies. It is our job to make sure that you always have the best price for your Medicare Supplement Plan.
We want to me your Medicare Insurance Agent.
For more information please visit: www.SrHealthcareDirect.com
http://youtu.be/3P_8gShW3gA

The chosen 18 Approved Medicare Suppliers for Diabetic Supplies:

The chosen 18 Approved Medicare Suppliers for Diabetic Supplies:

This is a follow up article to my blog, Medicare’s Competitive Bidding Program goes Nationwide July 1st 2013:
Thank you for all of the feedback, many people are sharing with me that they were not aware of the immediate changes taking place on July 1st. As requested, here is the link of where you can search for one of the 18 approved Suppliers.

http://medicare.gov/supplierdirectory/search.html

If you have any difficultly, please call me.

Robert Bache aka MedicareBob
Toll Free Cell Phone: 1-800-525-0299
Bob@MedicareBob.com
www.MedicareBob.com

Robert Bache aka MedicareBob owns and operates Senior Healthcare Direct. Senior Healthcare Direct is a National Telephonic Insurance Agency that represents over 26 Medicare Insurance Companies. It is our job to make sure that you always have the best price for your Medicare Supplement Plan.

We want to be your Medicare Insurance Agent.

For more information please visit: www.SrHealthcareDirect.com
http://youtu.be/3P_8gShW3gA

Medicare's Competitive Bidding Program

Medicare’s Competitive Bidding Program goes Nationwide July 1st 2013:

Effective July 1^st 2013 Medicare Beneficiaries that are diabetic are required to purchase their diabetic testing and monitoring supplies from one of 18 mail order companies that have been awarded contracts by the Federal Government.

In return for the contracts, these companies are subjecting themselves to more Government oversight to reduce Medicare fraud waste and abuse.

Medicare Beneficiaries have the right to still go to a Pharmacy, as long as the Pharmacy accepts Medicare Assignment.

If you have any more questions, please contact MedicareBob at 1-800-525-0299.

Robert Bache aka MedicareBob

Toll Free Cell Phone: 1-800-525-0299

Bob@MedicareBob.com

www.MedicareBob.com

Robert Bache aka MedicareBob owns and operates Senior Healthcare Direct. Senior Healthcare Direct is a National Telephonic Insurance Agency that represents over 26 Medicare Insurance Companies. It is our job to make sure that you always have the best price for your Medicare Supplement Plan.

We want to be your Medicare Insurance Agent.

For more information please visit: www.SrHealthcareDirect.com

http://youtu.be/3P_8gShW3gA