Aetna Medicare Advantage Plan 2014 HMO Preview:

Aetna Medicare Advantage Plan 2014 HMO Preview:

Aetna is offering two types of Medicare HMO Plans in 2014:
1. The Aetna Medicare Traditional HMO
2. The Aetna Medicare Open Access HMO

The Aetna MedicareTraditional HMO:
Referrals are not needed for certain services that are considered “direct access”:

•   ER and urgent care
•   Routine eye exams
•   Flu and pneumonia shots
•   Annual mammograms

The Aetna Medicare Traditional HMO requires a member select and use a primary care physician (PCP).

The PCP coordinates care and provides referrals to other health care providers in the Aetna Medicare Plan (HMO) network.

Getting a referral is easy. If the PCP cannot treat the condition, the doctor can issue a referral to an Aetna Medicare Plan (HMO) network specialist.

The Aetna Medicare Open Access HMO:

•  It allows members to go to any Aetna Medicare Plan (HMO) network provider they choose for covered services without a primary care provider (PCP) referral.
•   PCP selection is not required, but is recommended.
•   Members receive the same benefits as the Traditional HMO plan.

ALL 2014 Aetna Medicare HMO Plans include:

•   Routine physicals
•   Annual Wellness exams
•   Mammograms
•   Routine gynecology exams
•   Prostate cancer screenings
•   Flue and pneumonia vaccines
•   Colorectal screenings
•   Bone density exams (bone mass measurement)
•   All Plans have a maximum out of pocket amount
•   Aetna Health ConnectionsSM Disease Management
•   Healthy Outlook Program
•   National Medical Excellence Program
•   Case Management Services
•   Annual Preventative Reminders
•   Numbers to know
•   Informed Health Line
•   Doc Find

Here is a partial list of benefits covered in the plans:

•   Primary care
•   Specialty care
•   Inpatient hospitalization
•   Surgery
•   Home health care
•   Skilled nursing care
•   Outpatient services
•   Ambulance services
•   Urgently needed care
•   Hearing aid and/or eyewear reimbursements are covered in some plans.

All plan include a monthly health club membership that includes two options:
o Tier 1 clubs – no copay
o Tier 2 clubs – nominal annual copay

•   Members are covered for urgent and emergency medical care 24 hours a day, seven days a week, anywhere in the world.

•   Optional Supplemental Benefits that provide coverage for dental, hearing, and/or vision are available for an extra cost with some HMO Plans.

Some plans include a Transportation benefit (24 one-way trips) per year that can be used for travel for defined health care needs.

MedicareBob’s Favorite Benefit for Aetna’s 2014 Medicare Advantage HMO Plans:
I really like “Aetna’s Travel Advantage Program” that is included in Aetna 2014 Medicare HMO Advantage Plans.

The Travel Advantage Program Fact Sheet:
o It covers members who are temporarily traveling to another Medicare HMO service area for up to 12 consecutive months.
o It provides access to the same benefits that members receive in their home service area.
o Member must contact Member Services to elect the Travel Advantage Program.
o Members must contact Member Services when they return to their home service area.
o Members must use Aetna Medicare HMO network Providers.

TO LEARN MORE CALL ME, 1-800-525-0299.

Robert 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 aka “MedicareBob”

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HMO Medicare Advantage Plans

What is a Medicare Advantage (Medicare Part C) HMO Plan?

HMO (or health maintenance organization) health insurance plans provide insurance if you receive services from an in-network provider. The only out-of-network services available are those on an emergency basis. Many HMOs require enrollees to see a primary care physician (PCP) chosen by the member who will refer them to a specialist if deemed necessary for high-cost services like MRIs or surgeries. HMOs typically provide richer coverage than a PPO health insurance plan. However, they often cost more due to the better benefits.

HMO plans often do not include deductibles, but copays are charged per office. HMO plans typically allow a member to have lower out-of-pocket healthcare costs, but require the member

Because an HMO plan will not pay for you to see an out-of-network provider except in an emergency, it is very important to ensure that your existing doctors and a high quality hospital in your area are in your network. This ensures that in both routine and unforeseen circumstance you have access to high quality health care providers in your area.

HMOs were introduced in 1974 by enabling federal legislation that ultimately spurred the creation and growth of many large HMOs across the country. HMOs came under heavy criticism because of their tight cost controls, referrals, second opinions, pre-certifications, and other stringent cost controls. Many of those cost controls have been replaced with higher cost-sharing. For instance, for many HMOs a specialist referral has been replaced with a split copay for physician visits. Copays that might have been $20 to see a physician with a specialist referral have largely been replaced with a $20 copay for physician, $40 copay for specialist setup. But the HMOs still retain their rich preventive and other benefits provided you stay in network.

CLICK HERE TO VIEWTHE MEDICARE HMO PLANS IN YOUR COUNTY.

CLICK HERE TO WATCHA 2 MINUTE VIDEO ABOUT MEDICARE HMO PLANS.

HMO Medicare Advantage Plan

August 26, 2013 admin No Comments

What is a Medicare Advantage (Medicare Part C) HMO Plan?
HMO (or health maintenance organization) health insurance plans provide insurance if you receive services from an in-network provider. The only out-of-network services available are those on an emergency basis. Many HMOs require enrollees to see a primary care physician (PCP) chosen by the member who will refer them to a specialist if deemed necessary for high-cost services like MRIs or surgeries. HMOs typically provide richer coverage than a PPO health insurance plan. However, they often cost more due to the better benefits.
HMO plans often do not include deductibles, but copays are charged per office. HMO plans typically allow a member to have lower out-of-pocket healthcare costs, but require the member
Because an HMO plan will not pay for you to see an out-of-network provider except in an emergency, it is very important to ensure that your existing doctors and a high quality hospital in your area are in your network. This ensures that in both routine and unforeseen circumstance you have access to high quality health care providers in your area.
HMOs were introduced in 1974 by enabling federal legislation that ultimately spurred the creation and growth of many large HMOs across the country. HMOs came under heavy criticism because of their tight cost controls, referrals, second opinions, pre-certifications, and other stringent cost controls. Many of those cost controls have been replaced with higher cost-sharing. For instance, for many HMOs a specialist referral has been replaced with a split copay for physician visits. Copays that might have been $20 to see a physician with a specialist referral have largely been replaced with a $20 copay for physician, $40 copay for specialist setup. But the HMOs still retain their rich preventive and other benefits provided you stay in network.
CLICK HERE TO VIEW THE MEDICARE HMO PLANS IN YOUR COUNTY.
CLICK HERE TO WATCH A 2 MINUTE VIDEO ABOUT MEDICARE HMO PLANS.

Medicare insurance question? What quotes from 20+ Medicare Supplement Companies? What a chart of the available Medicare Advantage Plans in you County? Call me, Robert W. Bache aka MedicareBob: 1-800-525-0299.
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 aka “MedicareBob”
http://srhealthcaredirect.com/medicarebob/
Please “Like” Senior Healthcare Direct on Facebook:
https://www.facebook.com/MedicareBob?ref=hl

- See more at: http://srhealthcaredirect.com/hmo-medicare-advantage-plan/#sthash.AbytLJs4.dpuf

Medicare insurance question? Want quotes from 20+ Medicare Supplement Companies? Want a chart of the available Medicare Advantage Plans in you County?

Call me, Robert W. Bache aka MedicareBob: 1-800-525-0299.


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 aka “MedicareBob”

http://srhealthcaredirect.com/medicarebob/

Please “Like” Senior Healthcare Direct on Facebook:

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

 

HMO Medicare Advantage Plan

August 26, 2013 admin No Comments

What is a Medicare Advantage (Medicare Part C) HMO Plan?
HMO (or health maintenance organization) health insurance plans provide insurance if you receive services from an in-network provider. The only out-of-network services available are those on an emergency basis. Many HMOs require enrollees to see a primary care physician (PCP) chosen by the member who will refer them to a specialist if deemed necessary for high-cost services like MRIs or surgeries. HMOs typically provide richer coverage than a PPO health insurance plan. However, they often cost more due to the better benefits.
HMO plans often do not include deductibles, but copays are charged per office. HMO plans typically allow a member to have lower out-of-pocket healthcare costs, but require the member
Because an HMO plan will not pay for you to see an out-of-network provider except in an emergency, it is very important to ensure that your existing doctors and a high quality hospital in your area are in your network. This ensures that in both routine and unforeseen circumstance you have access to high quality health care providers in your area.
HMOs were introduced in 1974 by enabling federal legislation that ultimately spurred the creation and growth of many large HMOs across the country. HMOs came under heavy criticism because of their tight cost controls, referrals, second opinions, pre-certifications, and other stringent cost controls. Many of those cost controls have been replaced with higher cost-sharing. For instance, for many HMOs a specialist referral has been replaced with a split copay for physician visits. Copays that might have been $20 to see a physician with a specialist referral have largely been replaced with a $20 copay for physician, $40 copay for specialist setup. But the HMOs still retain their rich preventive and other benefits provided you stay in network.
CLICK HERE TO VIEW THE MEDICARE HMO PLANS IN YOUR COUNTY.
CLICK HERE TO WATCH A 2 MINUTE VIDEO ABOUT MEDICARE HMO PLANS.

Medicare insurance question? What quotes from 20+ Medicare Supplement Companies? What a chart of the available Medicare Advantage Plans in you County? Call me, Robert W. Bache aka MedicareBob: 1-800-525-0299.
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 aka “MedicareBob”
http://srhealthcaredirect.com/medicarebob/
Please “Like” Senior Healthcare Direct on Facebook:
https://www.facebook.com/MedicareBob?ref=hl

- See more at: http://srhealthcaredirect.com/hmo-medicare-advantage-plan/#sthash.AbytLJs4.dpuf

Medicare Advantage Plan that is an "HMO"

Medicare Advantage Plan that is an "HMO".

A Medicare Advantage Plan that is an "HMO" requires you to receive your healthcare from a network / list of approved Providers.

• The monthly premium is generally $0.00.
• The benefits are typically very strong.
• You can still receive care anywhere in the County as long as it is an emergency.

Go to www.MedicareBob.com today to receive a list of the Medicare Advantage Plans in your County.

Robert W. Bache
1-855-368-4717
www.MedicareBob.com
www.SrHealthcareDirect.com

Medicare and Diabetes, what is covered?

Medicare and Diabetes, what is covered?

According to the American Diabetes Association, 25.8 million people in the United States have been diagnosed with Diabetes.

It is important that people on Medicare understand how:

1. Medicare cover diabetes
2. Medicare Supplement Plans cover diabetes
3. Medicare Advantage Plans cover Diabetes

1) Medicare Part B will cover 80% of the following:

• Blood sugar testing strips and monitors
• Lancet devices and lancets
• Therapeutic shoes or inserts
• Yearly eye exam
• Foot exam

2) Medicare Supplement Plans will cover the other 20% of the services that are covered by Medicare Part B.

3) Medicare Advantage Plans, these Plans are all different based on where you live and what is offered. Some Medicare Advantage Plans are designed for people with diabetes, "Medicare Advantage Special Needs Plan / Diabetes". These are really cool, and you are not restricted to the Annual Enrollment Period, so you have more flexibility to when you can enroll into the Plan.

For more information about how Medicare, Medicare Supplements and Medicare Advantage work with Medicare visit: www.SrHealthcareDirect.com and go to the titled post.

EVEN BETTER: Call me, Robert Bache: 727-643-0219 or Toll Free: 1-855-368-4717.
I know Medicare, please call me MedicareBob or visit www.MedicareBob.com

Sources: The American Diabetes Association; Medicare

Medicare Advantage or Medicare Supplement, which is better?

Medicare Advantage or Medicare Supplement, which is better? 

They are both good, there is no wrong answer.

Summary of Medicare Advantage Plan:

• Low monthly premium
• HMO/PPO means you can only go to certain Doctors and Hospitals
• "Pay as you go", you will have copay's for Medical Services: Doctor visits, Hospitalization, Lab Work, Advanced Imaging, etc...

Is a Medicare Advantage Plan right for me?
If you are comfortable with having a list of Doctors/Hospitals/Facilities, and you do not mind be required to pay a copay every time you use your Plan, than yes, a Medicare Advantage might be a good fit for you.


Summary of Medicare Supplement Plan:

•  Flexibility, you can go to any Hospital/Doctor/Facility that accepts Medicare
• Predictable, Medicare Supplement's pay what Medicare would normally charge you
• An additional $80 to $140 monthly premium

Is a Medicare Supplement Plan right for me?

Not so healthy person: Yes, you will save money by purchasing a Medicare Supplement Plan. 

Healthy person: Would you consider the additional monthly premium a cost of living or a waste of money?

• Waste of money: Then you are not a Medicare Supplement type of person...
• Cost of living: I am 65 or older, things happen...

I am able to discuss this better through my video blog and or on the phone.

CLICK HERE TO SEE MEDICARE'BOB'S VIDEO BLOG

Call Me, Robert W. Bache Toll Free: 1-855-368-4717 or Cell: 727-643-0219.