How to determine which Medicare plan is right for you!
When it comes to choosing a Medicare plan, you have several choices. This is a good thing
Medicare is a national health insurance program for folks who are 65 or older, certain younger people with disabilities, and those with end-stage renal disease.
If you’re turning 65 soon, you’ll have some critical healthcare decisions to make.
Known as Medigap Plans, Medicare Supplement Plans fill in the “gaps” of medical costs that aren’t covered by Original Medicare, such as coinsurance, copayments, and deductibles.
Medicare Advantage Plans, or Medicare Part C, can be used to substitute Medicare Part A and B, as well as offer prescription drug coverage.
Medicare Part D is coverage for prescription drugs that you get from a retail pharmacy. With this program, you can access medications at more affordable rates. Plus, it provides insurance against unfavorable drug costs.
It can be challenging to figure out which Medicare plan will fit your budget and healthcare needs. However, our agents specialize in Medicare, and we want to help you compare your options. Regardless of your budget, there’s a plan available for you!
Annuities are essentially financial cushions that help alleviate financial concerns. An individual will pay an insurer a certain amount of money, and in return, the insurer will pay the individual back with a lump sum or through payments at a later date.
Medicare can be confusing and overwhelming. At Cornerstone Senior Advisors, we walk people through the process of Medicare every day to find the right plan at the right price.
At Cornerstone Senior Advisors, we specialize in helping you find the best Medicare supplement for YOUR needs. If you have a question, comment, or concern, we want to hear from you!
There are a few ways to get in touch. You can fill out the contact form, send us an email, or call our office.
As independent insurance agents, we have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
The Cornerstone blog covers a wide range of topics — from Medicare Advantage news to retirement planning tips, and much more.
When it comes to choosing a Medicare plan, you have several choices. This is a good thing
A Health Maintenance Organization (HMO) plan is a kind of Medicare Advantage Plan that typically provides health care coverage from specialists, doctors, or hospitals in the plan’s network, except in an emergency situation.
Medicare HMOs are a popular managed-care choice because they offer lower premiums. The premium could be $0 in some plans. But, you have to still be enrolled in (and paying for) Medicare Part B.
Our Medicare experts are here to educate you on all the Medicare Advantage plans so you can decide which one fits you best.
First, the insurance carrier contracts with certain doctors in your local area to establish a network. Next, you’ll choose a primary care physician (PCP) who will regulate your care.
If your PCP cannot treat a health condition, he or she will distribute a referral for you to visit a specialist network. A referral may not be required for some services, such as mammograms and preventive care.
As mentioned above, you must first be enrolled in both Medicare Part A and Part B before you can enroll in a HMO plan. You also have to live in the plan’s service area. When you enroll in a Medicare HMO, you consent to receive your care only through the plan’s network, excluding emergencies.
If a Medicare HMO seems too restrictive to you, consider a Medicare PPO plan, which is more flexible.
Medicare HMOs are typically the most limiting type of Medicare Advantage plan. There aren’t any out-of-network benefits unless it’s an emergency. All Medicare Advantage plans have certain restrictions by which you must accept. You can learn more about these rules on our Medicare Advantage page.
Finally, Medicare HMO plan availability differs by county and state. Cornerstone Senior Advisors can verify plan availability in your county.
Evaluating each HMO plan one-by-one can be exhausting. At Cornerstone Senior Advisors, we specialize in Medicare products. Whether it’s providing information about the network’s service area or thumbing through the plan’s history in the marketplace, we don’t cut corners.
Our agents can also help you weigh factors that are unique to you. For instance, we’ll examine whether the HMO plan has an inherent Part D drug formulary that contains your medications. We want to be your Medicare agent, so call (316) 260-3331 to see how we can help!