Tag Archives: New York Medicare Supplement Plans

Medicare Supplemental Insurance in New York

Medicare in New York

According to the Centers for Medicare & Medicaid Services (CMS) in 2015, more than 3.3 million occupants of New York received Medicare benefits in one form or another. Numbers of Medicare beneficiary options are available to inhabitants of New York as a Medicare beneficiary.  Original Medicare is the governmental health insurance program for all qualified American citizens and all legal permanent citizens of at least five continuous and consecutive years. You’re qualify when you are at the age of 65 years and older, some beneficiaries bellow the age of 65 years might also qualify by disability or through having a particular health conditions, such as Lou Gehrig’s disease or end-stage renal disease.

What does it cover?

In New York, Original Medicare includes Part A and Part B.

Medicare Part A covers Hospital insurance:

  • Inpatient hospital.
  • Skilled nursing facility.
  • Some home health visits.
  • Hospice care.

Medicare Part B Medical insurance:

Outpatient services including:

  • Doctor visits.
  • Some home health care.
  • Preventive services.
  • Durable medical equipment.

Medicare Supplemental Insurance in New York

(Medigap)

Medicare Supplemental Insurance (Medigap) which is also referred to as Medicare Advantage plans are offered by private insurance companies and can also help pay out-of-pocket costs for services enclosed under Original Medicare. Medicare Advantage plans are provided by private insurance companies that are having a contract with CMS. This is also known as Medicare Part C, and these plans must also provide the same level of Medicare benefits as Original Medicare, Part A and Part B, with the exception of hospice care. One of the benefit of Medicare Advantage plans is that most plans also covers an  extra benefits such as routine dental and vision care, hearing and wellness programs. Also some plans, known as Medicare Advantage Prescription Drug plans, includes prescription drug benefits. All these plans covers all Medicare medical and prescription drug benefits by using a single plan.

Medicare resources in New York

New York State Office for the Aging:

This office provides information and services to seniors, in order to help them live independently and healthy into their retirement periods

The Medicare services provided by New York State Office for the Aging includes:

  • Health Insurance Information Counseling and Assistance Program (HIICAP): This program provides free counseling service to the New York Medicare beneficiaries. , Counseling services are unbiased, because the office is not an affiliated of any specific insurance companies.
  • NY Connects Service: When beneficiaries needs a long-term care, this program offers details about the choices and options available. They ensure that all beneficiaries have an easy access to a personalized counseling services.

 

  • Senior Medicare Patrol (SMP) – This service is designed to help the New York Medicare beneficiaries in protecting themselves from fraud, through education, discovery, and prevention and also educates the beneficiaries about he steps to be taken in event of an error on their billing right.

 

New York State Department of Health:

This department helps Medicare beneficiaries, who are also qualify for Medicaid benefits, to get the information, support and assistance that they need. They also supplies details and information about Medicare Savings Programs that is available to beneficiaries who are unable afford their benefit premiums which includes beneficiaries who are qualify for both Medicare and Medicaid benefits, which is also known as dual-qualified beneficiaries.

 

Elder Care Resource Center:

This is a website that was created and designed as a partnership between the New York State Office for Aging and the New York Community Trust. The reason of the website being created is to offer New York inhabitants of New York with a wealth of resources and information regarding health-care choices and options, which includes information about Medicare plans.

Learn more about New York Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com/newyork-medicare-supplement-plans.  Our New York Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in New York.  To talk to an expert in New York Medicare coverage toll free 877-202-9248 today!

 

 

Medicare Supplemental Insurance in New York

People who have sought Medicare for their family would be aware of its potential prospects and its benefits. They would be taking adequate steps in making sure that they go for Medicare as soon as possible in their lives since this is one effective way to save money on healthcare expenses. There are two Plans of Medicare- Plan A and Plan B and both have undeniably important roles to play.

Still, there may be clauses that Medicare might not be covered in these two plans, and this is why today there is a plethora of Medicare supplemental insurance in New York. These policies are available locally in each state, and their clauses and premiums would vary too. Yet, these supplemental insurance policies are in great demand by those who are nearing sixties or in their mid-sixties. We shall now check on the areas that Medicare cover and the ones that require Medicare supplemental insurance.

What are the areas that Medicare plans usually cover?

Medicare Plan A would cover hospitalization, nursing and even home health care services cost. This you would get automatically if you have Medicare Plan A. Plan B is for covering doctor bills, and for purchasing regular medical supplies. Plan A would work without your monthly premium while Plan B would require you to pay the monthly premium. There is no necessity for you to select both the plans compulsorily at all. Many organizations, public and private encourage their staff to go for these but there are certain areas, which do not cover under these two plans. That is why today Medigap plans or Medicare supplemental insurance in New York has come up to fill in the void.

What are the areas that Medicare plans do not cover?

From custodial long-term care to eye related, dental related examinations and cosmetic surgeries, acupuncture, hearing aids and even foot related ailments do not fall under any of the two plans. Medigap or Medicare Supplemental plans come in here offering 10 standardized plans. These plans are lettered as A, B, C, D, F, G, K, L, M and N. People, who have crossed the age of 65, and eligible for Social Security or Railroad Retirement benefits, are also qualified for these Medigap plans.

Further, those who are at the end stage of the renal disease also are eligible to get the Medigap plans. However, from Medicare itself, you would be able to get an information booklet where all the details and further FAQ’s would be there to answer even other queries.

Selecting the right Medicare Supplement Plans

From the Medicare’s official website itself, one can get the names of the popular Medicare supplemental insurance in New York and they can pick the right one from here. While a few people might take time and read through individually all the policies, many others might simply prefer to compare the plans and then opt. Yes, right under the heading of “Supplements and Other Insurance” one would be capable to get “How to Compare Medigap Policies”. This would be able to offer detailed comparisons between all the policies in your state.

Learn more about New York Medicare Supplemental Insurance rates, plans, and more at http://www.emedicare-supplemental-insurance.com/New York-medicare-supplement-plans.  Our New York Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in New York.  To talk to an expert in New York Medicare coverage toll free 877-202-9248 today!

Introduction to Medicare Supplement Insurance in New York

If for one reason or another, you end up without access to group insurance coverage through an employer, all is not lost. You have the option to purchase an individual health policy from a private insurance company. Although individual medical insurance may be expensive, it’s worth investigating the options.

Coverage availability and premiums will vary from state to state. It may depend on whether or not your particular state has enacted laws that prohibit the rate modification based on your medical condition.

For instance, the state of New York, health insurers that offer individual health coverage may not turn down a candidate because of poor health. Nor can they base their premiums on factors such as gender, occupation, age or health status. New York enjoys what is called community rating. Premiums are based on how many individuals in the family and in what part of the state you live.

Choosing a new health plan isn’t easy. There is no one plan that fits everyone. The best health plan for you may not be the best for someone else. In order to find a health insurance plan that fits you and your budget, you can access instant quotes and health plans online.

New York Health Insurance Plans

Are you looking for just the basics or a more comprehensive health plan? A basic plan covers you for hospitalization and surgery in case of major accident or sickness. These plans typically have a lower price tag than those with more comprehensive coverage.

Many basic plans can be customized by adding on extra benefits such as preventative care, doctor visits, prescription drugs, maternity, small accident or injury, and routine office visits.

By comparing several health insurance plans you can get a good idea of what’s available to you. If you don’t require much medical care, an (HDHP) High Deductible Health Plan may be a good choice for you. These plans allow you to choose a deductible from $500 to over $5000. A higher deductible will get you a lower monthly premium for medical coverage.

New York Free Instant Health Insurance Quotes

Learn more about New York Medicare Supplemental Insurance plans, rates and more at http://emedicare-supplemental-insurance.com/New-York-medicare-supplement-plans. Our New York Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in New York.  To talk to an expert in New York Medicare coverage toll free 888.404.5049 today!