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medicare overview | prescriptions |
medicare coverage chart
| proposals
MEDICARE OVERVIEW
WHEN CHOOSING YOUR MEDICARE SUPPLEMENT FIRST YOU MUST
UNDERSTAND THREE VERY IMPORTANT FACTORS:
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All
Medicare Supplemental insurance can be sold in only
10 STANDARD PLANS and
MUST BE IDENTICAL IN COVERAGE.
(See chart-click here)
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For
the SAME Supplement plan (A thru J) offered by different carriers
there can be more than $150.00 A MONTH difference in premium.
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Our Medicare Supplement Plans offer a “FOREVER AGELESS”
rate guarantee. This means your premium rates are based on your age
when you first enrolled in one of our Medicare Supplements. Premiums may
increase due to rising medical cost, inflation and other factors but
YOUR PREMIUM WILL ALWAYS BE BASED ON YOUR ENROLLMENT
AGE. (This is determined by the most recent policy effective
date). You cannot be singled out for rate increases
based on your age or because your health changes.
MEDICARE IS AN ESSENTIAL PART OF EVERY SENIOR’S HEALTH CARE
PLAN
To assist you in solving some of the mystery of Medicare, you will
find below a brief description of basic categories of Medicare
Supplements and plan highlights.
Highlights of Basic Categories:
(See chart-click here)
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Traditional Medicare Supplement. This
type of Supplement gives you freedom to use any
physician or hospital you wish coast to coast border to border. (FYI,
best to use providers who accept Medicare as payment in full).
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Select Medicare Supplement. This type of
Supplement offers all the great benefits of a Traditional Medicare
Supplement but costs less. Freedom to use any
physician you wish but if Hospital care is needed, you may use
any of the Hospitals that are affiliated with the
insurance companies’ Select Plan network, anywhere in the country.
Through this special Hospital affiliation, they are able to keep premiums
low.
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High Deductible “Plan F” Medicare Supplement.
This type of Supplement is designed for those individuals concerned about
the rising cost of health care insurance. At even
lower premiums than a Select Medicare Supplement, it
allows you to self insure the high deductible
out-of-pocket Medicare allowable expenses and still offers the same
freedom of choice of doctors and hospitals that a Traditional Medicare
Supplement provides.
Highlights of the most popular plans:
(See chart-click here)
Plan
B. It is our most economical coverage. It provides basic benefits including
Medicare Part A hospital deductible and Part B medical co-payment.
Plan
C. It is our most popular option. It covers the basic benefits just
described, plus Medicare Parts A and B deductibles, skilled nursing
co-payments and foreign travel emergency.
Plan
D. A popular alternative covers the basic benefits plus Medicare Part A
deductible, Part B medical co-payments, skilled nursing co-payments, foreign
travel emergency and at home recovery.
Plan
F (High). This New High Deductible Plan has all the coverage of Plan C with an
added 100% excess charge coverage for Part B. This plan allows you to
self insure the first $1,620 of out-of pocket Medicare allowable expenses.
After this annual deductible is paid, this plan protects you with the same
benefits a Traditional Plan F Medicare Supplement would provide.
Medicare Disability. Plans may be available to persons eligible for Medicare
by reasons of Disability.
Click for a FREE Medicare Proposal by e-mail
IMPORTANT FACTS TO CONSIDER
Some insurance companies have a 90 day waiting period for pre-existing
conditions even on Open
Enrollment. Our Supplements do not have a preexisting waiting period.
A Supplement is a continuation of Medicare. It picks up Medicare’s
deductible and co-insurance.
If Medicare pays then the supplement pays. If Medicare declines then the
Supplement declines!!!
If you are already enrolled in a Medicare Supplement, most insurance
companies will refund unused
premiums within 30 days upon cancellation of that policy.
All insurance agents will have the same plans and corresponding premiums to
offer.
There is no
special deal.
What makes the difference is insurance agents that have the ability to
handle all problems and claims
directly with the insurance carrier. Most agents are out selling and have no
time to handle these
problems. They will tell you to call Customer Service at the Insurance
Company. Insurance companies will not track down where the problem originated. They will only tell you
“it is covered or not”. THE PROBLEM CLAIM STILL EXISTS.
Daveco & Associates Insurance not only handles but resolves all your claims on a personal level.
PRESCRIPTIONS
Daveco & Associates Insurance is an authorized agent of Direct Rx 4 U, Inc.,
a company that offers $10.00 & $20.00 copay prescriptions from USA
Pharmacies or Discounted Canadian Prescriptions with savings up
to 85% to Americans needing to lower their prescription cost. This is a
free service offered by Daveco & Associates.
Click
here for Canadian Prescription Information & Drug Pricing
Click here for information on Discount Prescriptions from USA Pharmacies
IN CONCLUSION
Our Medicare Supplements are
GUARANTEED RENEWABLE FOR LIFE, REQUIRE NO
MEDICAL EXAM, HAVE AUTOMATIC CLAIM FILING AND OFFER ELECTRONIC FUNDS
TRANSFER, a convenient, easy way to pay your premium and save money at the
same time. Your premium is automatically deducted from your bank account
each month and forwarded to your Medicare Supplement company. Other payment
options are also available.
Daveco & Associates Insurance decided to be an independent insurance agency
because it allowed us the freedom to choose the best insurance products to
meet your individual needs and budget. All our services are supported by an
unbeatable senior health customer service. For more information about any of
our plans,
email us or call
Toll Free 1-866-541-0505 or direct at 239-541-0505.
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ASK YOURSELF THIS: In dealing with insurance matters with your auto/home,
did you not take the advice of an insurance agent? You probably did because
he had the knowledge needed. I am sure you will agree that your
health
insurance is more important than auto and home insurance!!!! |
Daveco & Associates Insurance is not connected with or endorsed by the US
Government of the Federal Medicare Program. Product availability, benefits
and cost vary depending upon plan selected and vary by State. These plans
have exclusions, limitations and eligibility requirements.
Click for a FREE Medicare Proposal by e-mail
medicare overview | prescriptions |
medicare coverage chart
| proposals
|
