Get Help With Medicare Supplement Insurance and Advantage Plans



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Confused about your Medicare options? It can be bewildering. Below are answers to common questions like these:

  • Do I need Medicare Supplement Insurance?
  • Which Medicare Supplement Plan Do I Need?
  • What is a Medicare Advantage Plan?
  • Do I Qualify for a Medicare Advantage Plan?
  • What Will a Medicare Advantage Plan Cost?
  • How Do I Join a Medicare Advantage Plan?


Do I need Medicare Supplement Insurance?

Yes. Medicare Supplement Insurance covers most of what original Medicare doesn’t, including:

  • Deductibles
  • Co-pays
  • Excess chargers
  • Blood
  • Long-term inpatient care


* Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,070 in 2012 before your Medigap plan pays anything. After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($140 in 2012), the Medigap plan pays 100% of covered services for the rest of the calendar year.

** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that don’t result in an inpatient admission.


Which Medicare Supplement Plan Do I Need?

Choosing among the many different Medicare supplement plans is very difficult. Not only is the terminology confusing, but researching Medigap plans and providers can seem like a never-ending task. You can easily spend days and days calling up individual companies and inquiring about their Medigap policies. Sagamore Benefits can assist you in choosing a Medigap plan and provide you with rates from several insurance providers in your area. Find Out Which Providers Offer The Medigap Plan You Want

Not all licensed insurance providers carry the same plans. Medigap Plan availability varies greatly and it can be very time consuming calling around to determine which company sells the plans that interest you. This is where Sagamore Benefits can help. We represent many of the top rated insurance companies in your area so that we can do the leg work for you and can help you find an affordable provider in your area that carries the Medicare supplement plan that you want. Medigap Plan Pricing Varies, So Let Us Help You Compare

Medigap Plan Availability isn’t the only way Sagamore Benefits can help. The benefits of Medicare supplement plans are always the same–regardless of the provider you choose. Prices, however, are not regulated and providers are free to set their own rates. This means that prices for Medigap plans vary greatly. Luckily, when you call up a Sagamore Benefits representative, we will provide you with FREE, no obligation quotes from the top-rated companies in your area.

Comparing prices for Medigap policies before buying could save you hundreds of dollars every year.


What is a Medicare Advantage Plan?

Medicare Advantage Plans (also known as Advantage Medicare) are health care options (like a HMO or PPO) for the Medicare program. These are programs that are approved by Medicare and run by private companies. They are sometimes referred to as Medicare Part C. With these options, you generally get all your Medicare-covered health care through one plan. They provide all your Part A and Part B-covered services. Generally, these plans offer extra benefits, and many include Medicare Part D (drug coverage). If you are enrolled in a Medicare Advantage Plan, your Medicare services are covered through this one plan, and are not paid for under Original Medicare.

Medicare Advantage Plan options may include:

Medicare Health Maintenance Organization (HMO) – An HMO plan must cover all Medicare Part A and Part B health care. Some HMOs also cover additional benefits, like additional days in the hospital. In most HMOs, you can only go to doctors, specialists, or hospitals on the plan’s list, except in the case of an emergency. Your costs may be lower than in the Original Medicare Plan.

Preferred Provider Organizations (PPO) – With this type of Medicare Advantage Plan, you use doctors, hospitals, and providers that belong to your designated PPO network. You may use doctors, hospitals, and providers outside of the network, but there will be an additional cost.

Private Fee-for-Service Plans – In this type of plan, you can go to any Medicare-approved doctor or hospital that accepts the plan’s payment. The insurance plan decides how much it will pay and what you pay for the services. You may pay more or less for Medicare-covered benefits. You may also have more benefits than the Original Medicare Plan.

Medicare Medical Savings Account (MSA) Plans – A plan that combines a high deductible health plan with a bank account. Medicare deposits money into the account (usually less than the deductible). You can use the money to pay for your health care services during the year. For more information about MSAs, visit to view the booklet, “Your Guide to Medicare Medical Savings Account Plans.”

Medicare Special Needs Plans – This plan generally limits membership to people with specific diseases or conditions. They tailor their benefits, choose their providers, and create their list of covered drugs to best meet the specific needs of the groups they serve. Most Medicare Special Needs Plans are designed to serve people who have specific diseases or conditions, such as diabetes, congestive heart failure, or HIV/AIDS. They always include Part D prescription drug coverage.


Do I Qualify for a Medicare Advantage Plan?

You can generally qualify for a Medicare Advantage Plan if you meet these conditions:

  • You live in the service area of the plan you want to join. Contact the plans you’re interested in to find out about their service area.
  • You have Medicare Part A and Part B coverage.
  • You do not have End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant)

Choose your plan carefully; for the most part you will only be able to change plans once a year. In certain situations, you may be able to switch plans at other times.


What Will a Medicare Advantage Plan Cost?

The costs of a Medicare Advantage Plan depend on a number of factors. Here are some questions to consider when purchasing a Medicare Advantage Plan:

  • Does the plan charge a monthly premium in addition to your Part B premium?
  • Does the plan pay any of the Part B premiums?
  • Does the plan have a yearly deductible?
  • Does it charge any deductibles for any of the services?
  • How much will you pay for each service or visit (co-payments)?
  • What type of health services do you need? How often?
  • Will you be using network providers or out-of-network providers?

Since private companies run the Medicare Advantage Plans, costs will vary. It’s important to call any plan before joining to find out the rules, your costs, and to make sure the plan meets your needs. In some plans, if you see a provider who doesn’t participate with the plan, your services may not be covered at all, or your costs will likely be higher.




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