Paul asks…
Supplemental Plan for Children’s Health Insurance Program?
My child is enrolled in the children’s health insurance program (CHIP) and some of her claims are not fully covered by CHIP, are there any supplemental programs or plans available to her? (For example, my grandparents are enrolled in medicare and have a plan called Care Improvement Plus that compliments her Medicare coverage) Do you know of any companies or programs that would do that for kids? or can they do that?
Medicare Insurance AZ staff answers:
Healthquotes.awardspace.info – here is my health insurance plan. As I remember they can provide such a service.
Daniel asks…
All it took to sway a Senator from his so called conviction was this?
Nelson also secured full and permanent federal funding for his state to extend Medicaid eligibility to everyone below 133 percent of the federal poverty level. The bill would require all states to do so, but Nebraska alone would not be required to pay a portion of the additional cost after 2016. Nelson also won concessions for qualifying nonprofit insurers and for providers of supplemental Medicare coverage from a new insurance tax, and he was able to roll back cuts to health savings accounts.
Man had convictions didn’t he?
Medicare Insurance AZ staff answers:
Can I resign my citizenship so I don’t have to pay the $750 penalty for not having healthcare insurance? I can’t even afford that! Are they going to throw me in jail because I’m POOR?
Republican from before she was born… And PROUD of it.
George asks…
my 85 year old dad’s retiree health plan was phased out and i need to find him new insurance.?
he is covered mostly be medicare but needs supplemental insurance. I have no idea where to find reputable insurers or don’t even know what really to look for. I feel so lost. He needs good coverage. Does anyone know of a good, unbiased source of info or can offer any tips
Medicare Insurance AZ staff answers:
You should contact a local independent insurance agent by phone where you live and get some recommendations for supplemental insurance plans which costs about $150-200 or so per month depending on the company and your area. He has to have Medicare in order to get supplemental insurance.
Sandra asks…
Medigap insurance coverage?
My mom was in the hospital after having part of her leg amputated, now she’s in a skilled nursing home. My mom had Medicare and Anthem Senior Select supplemental. The nursing home told us that Anthem doesn’t cover the co-pay after Medicare stops paying 100 percent. I thought that was the purpose of having medicap insurance.
Medicare Insurance AZ staff answers:
Medicare only covers part of nursing care for up to 100 days after surgery. Medigap does not cover long term care because Medicare does not cover it. Medicare covers limited nursing after surgery.If she has Original Medicare, Medicare covers the first 20 days, then you pay $137.50 for 21 to 100 days in nursing and after 100 days Medicare will not pay anything and neither does Medigap.
The purpose of Medigap is to cover the 20% of medical costs except for long term nursing care.
What she needed was long term care insurance but it is too late to buy it after the fact.
Chris asks…
What is the best medicare supplement for Oklahoma residents?
I am 52 years old, single, and recently was approved for Medicare Parts A & B. I need Diabetic, Thyroid, and Pain medications. I would like some input from any Oklahoma residents who have had some experience with different supplemental insurances. Does anyone recommend the AARP prescription coverage?
Medicare Insurance AZ staff answers:
I sell all of the major plans in my state and can tell you there is no one plan that is any better than the others in all situations.
You’ll need to check each plan available in your area, or find a local agent that can do it for you, to find out the following:
1. Are your medications covered and on what tier level. Most generics are at tier 1 with a copay of around $5 but other companies can put the same drug on tier three with a copay of around $80. There is one generic pain med that in my state is on tier 4 or 5 (with a co-pay of $800 per month) with all of the companies except one, where it is a $6 co-pay.
2. Are the tier levels a flat copay or are they a percentage. Drug costs change during the year so a plan with a percentage can cost more later in the year.
3. Do you go into the donut hole and what are the costs at that time. You pay 100% of the negotiated cost during the donut hole and each insurance company will have a different cost with the pharmaceutical companies. That generic drug I spoke of cost $2800 in the donut hole but with that one company it is still just $6. Big difference for that client.
4. If you come out of the donut hole how much do they cost at that time. Some plans will cover some meds through the donut hole but often the premium far outweighs the cost savings.
5. If you do mail order on your maintenance medications how much do they cost. Different plans will have better savings using mail order than others. One plan can be more cost effective if you use local pharmacies while another plan can be more cost effective if you use mail order.
6. What time of year do you get the plan. Plans with deductibles can be more cost effective earlier in the year while plans without deductibles could be more cost effective later in the year.
7. Plans with deductibles have a lower premium and often cost less over the year than plans without deductibles.
8. What are you getting for your health coverage? Many Medicare Advantage plans also include drug coverage and are often a better overall deal. I’ve sold very few AARP stand-alone prescription plans this year but the AARP Medicare Advantage plan has consistantly come in amongst the better plans for many clients so you can’t go by company name.
9. Plans, the drugs covered, the costs, and your needs will change each year so you’ll have to do this comparison each year. I often change my clients to different companies each year if any plan becomes better for them. Companies that I sold more of last year are not the same companies I’m selling more of this year.
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