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
Medicare Private-Fee-for-Service (PFFS) is a certain type of Medicare Advantage plan available in special areas.
A PFFS plan works differently than a Medicare supplement. By joining a Medicare PFFS plan, you consent to pay the plan’s premiums, plus copays and coinsurance for medical services as defined in the plan.
What separates these plans from an HMO or PPO is that you’re not restricted to any particular network of providers. Instead, you present your insurance plan ID card to any provider at the time of service. Before they treat you, the provider has to agree to approve the plan’s payment terms and conditions and render the plan.
It’s crucial to understand that a PFFS plan is NOT Medicare supplement insurance. Healthcare providers who don’t contract with the plan aren’t obligated to treat you — unless it’s an emergency. So, it’s your responsibility to discuss with any providers whether or not they consent to see you and render the plan.
Since there are rules about how to reach providers, it’s important to work with a trusted insurance agent when you explore your options. We’ll help you understand how, when, and where you can use your coverage so that there are no curveballs when you’re pursuing medical care.
Cornerstone Senior Advisors has insurance agents with vast knowledge about PFFS plans. Ask us about PFFS plans in your area. You can call us in Wichita at (316) 260-3331!