Health & Wellness / Medicare

Have You Been Hearing About Those “Other Medicare Plans” Lately But Can’t Get the Help You Need?

angry-pulling-hair-seniorDo you keep hearing about other options available to you but you have no way to learn about them? You try to call an insurance company or a broker but they are either rushing you, not being helpful, or pushing you to enroll into a plan you know nothing about. You try searching the internet only to find twenty different articles on the same topic but they all say completely different things. You try going through the 64 pieces of mail that you have received regarding Medicare Plans but are overwhelmed with all of the different information. At this point, you are ready to give up and stick with what you have, even though your costs are increasing.

You don’t have to feel this way anymore

Here at the AMAC Medicare Department, it is our goal to help our members to the best of our ability. Medicare can be very confusing to some beneficiaries, especially those who are new to Medicare. Our agents hear beneficiaries asking about the “Other Medicare Plans” on a daily basis. In some cases the “Other Plan” will be a Medicare Supplement (aka Medigap), and in other cases the “Other Plan” will be a Medicare Advantage Plan. Many times beneficiaries confuse the two calling their current plan a Medicare Supplement Plan when they are actually enrolled into a Medicare Advantage Plan. AMAC’s licensed and certified Insurance Agents are here to help sort all of this out with you. Our agents will take all of the time you need to make sure you fully understand the plan you are considering.

Three years ago we published an article called Medicare 101 which had a chart that clearly defined the differences between Medicare Supplements and Medicare Advantage Plans. This chart was originally designed to help our Agents properly explain the differences between the two types of plans to our members. They found it so useful that our agents started sending this chart to our members who prefer to see things in writing. This chart helped members better understand the plan they were currently in, or were looking to change to.

The most important thing to remember is that a Medicare Supplement is NOT a Medicare Advantage Plan. They work very differently from each other and it is very important to know the differences when trying to choose the plan that most suits your needs.

Since this chart has been such a powerful tool for both our agents and our members, we would like to share it with you again.

Keep in Mind – The Annual Enrollment Period is Here!

The AEP started on October 15th and runs through December 7th. This is the one time a year when most beneficiaries can make a change.

Please take a look at the article below to learn about the differences between a Medicare Supplement Plan and a Medicare Advantage Plan. When you’re done, call us for more details about plans available to you at 1-800-334-9330 and you will be connected to one of AMAC’s trusted, licensed insurance agents. Our Agents will be more than happy to assist you with all of your Medicare questions and needs.

Call
1-800-334-9330
 Fill Out Our Online
Quick Quote Form

Please know that our agents will never push you or pressure you to enroll into a plan. We do what’s best for YOU.

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Jerry York
5 years ago

bibi,

A Medicare supplement policy is through a private company.

Bill
5 years ago

Dale I understand what you are saying but would like to point out on thing. Medicare is not a gift! I paid into Medicare for close to 45 years. I consider Medicare as an insurance policy that I’ve paid into all my working years and now am getting what I paid.
Another entitlement I am receiving is my Veterans benefits. Get most of my medical care from the Veterans Medical Center so am not really using all my Medicare.
I understand that we Seniors need to bear some of the co-pays but most of the rest was paid in advance and a lot of people never make it to retirement to claim their benefits. Also a lot of Seniors die within 5 to 10 years after starting Medicare. Some of Medicare is going to people that don’t deserve it at all as they haven’t paid one cent to it (not counting family members of eligible recipients). Thanks for your observations.

Dale
5 years ago

In answer to the question “why does a health plan designed for seniors not include dental care” I would like to make an observation. Consider that people under age 65 are paying triple digit monthly premiums for their health insurance and have high deductables plus co-pays. Few if any of their plans provide for dental coverage. Consider too that seniors use the medical facilities much more than those under age 65. It seems to me that when we reach age 65 and become eligible for medicare, we develop a real entitlement mentality. We pay nothing for part A of medicare. We pay about $150/month for part B and then in most cases less than $250/month for a Medigap or Medicare Advantage plan and have very little if any co-pays for our health care. Then many of us question why our dental and optometry and hearing aids are not covered too. We need to realize and understand that nothing is free. Somebody has to pay. Former president Kennedy said it well when he said “ask not what your country can do for you but what you can do for your country”. In order to get our deficit spending under control, we all need to sacrifice. It is quite widely accepted that seniors control the wealth in this country. Asking for more is leaving more (huge) debt for our children and grandchildren. Attaining age 65 and getting on medicare is like a gift too good to be true. Instead of asking for more, I think we should be saying thank you for what we get from medicare.

Lincoln Sorensen
5 years ago

Why does a health plan designed for seniors not include dental care? Good oral hygiene would act as preventive medicine and over the long term result in fewer medical issues, which are covered, and also a better quality of life for seniors. Presently, seniors have a monthly premium taken out of their SS check, and have to find a dental plan which they have to pay for. Then they have to pay what the dental plan does not cover, plus the premium and the medicare deductible. All this out of a retirement plan that has been gutted by crooked politicians to further their re-election. The average annual SS benefit is about $16,000.00. SS would have been able to keep pace with inflation without the theft of funds. The formula for determining the COLA was restructured to only include the items that frequently do not inflate. We are now about to experience the 3rd year since 2010 (six years) with no increase. How is that possible when our employees, Congress are voting themselves a raise?
Now, I will answer my original question. Dental is not included in Medicare because lobbyists for Big Pharma refused to allow it. Big Pharma wants seniors to go without dental care. Their immune systems falter, infections require medical intervention and Voila!!! a prescription is written. The same lobbyists disallow dental to our vets in VA hospitals, even though the hospitals have dental clinics. The VA is a government run organization so the lobbyists can control them, like they do Medicare. The escalating cost of drugs??? Why??? There is a law on the books that makes it illegal for the FDA to force Big Pharma to negotiate the price of drugs, so Big Pharma can set the price at whatever they want to. Now, Big Pharma is trying to rid the availability of generic drugs from the market. No politician will broach the subject because Big Pharma is the largest piece of our economy. If they don’t get their way they will leave the country and take their money with them. When that happens, America will be an instant third world country.

Jerry York
5 years ago

Forget all the BS and just stay in traditional Medicare and get a good supplement plan to go with it.

bibi hoehn
5 years ago
Reply to  Jerry York

Jerry, do you mean within Medicare or an additional private policy? What’s ‘allowable’? Also, I agree w/ Mr. Sorenson. The politicians are all for one and one for all -the politicians ONLY. Our elected officials care nothing for our citizens. Their only goal is to be elected or re-elected into office for the ‘high’ life (or is that just in Colorado where pot is legal ?!). Is there an ‘Honest Abe’ out there in our midsts? The answer is NO NO NO! OTHERWISE, WE WOULDN’T BE LIVING IN SUCH A MESS…

Woodie W.
5 years ago
Reply to  bibi hoehn

I’m considering a medigap (aka medicare supplement) plan F with high deductible. I currently have Plan G but don’t like the high premiums relative to the pittance in benefits (less then $50) I have received from them this year. I’m in good health and can take the hit of the deductible (more than $2,000 for Plan F with high deductible) if I should have major medical expenses (in the tens of thousands of dollars or more). However, I don’t want to rely on only Medicare to cover catastrophic medical needs. The premium on the Plan F with high deductible is less than $60/mo vs the ~$130 I have been paying for Plan G.

Jason
4 years ago
Reply to  Woodie W.

Hi Woodie. I know it’s been a while, have you resolved your situation above? Thank you.

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