There are several Medicare Plans available in Elizabeth, NJ.  If your current Medicare plan does not give you coverage on all of your healthcare needs, you can add a Medicare plan.  Adding a Medicare Plan will help you fill in these “coverage gaps”.  Since everyone has their individual healthcare needs, the wide variety of available plans allows you to choose a plan that meets your medical and financial needs.  

 

3 Medicare Carriers and 17 Medicare Plans

1.  Mutual of Omaha Medicare is a Medicare carrier offering seven Medicare Supplement Plans to Elizabeth, NJ.  These Medicare Supplement Plans are Medicare Supplement Plan A, B, C, F, G, M, and N. 

 

Medicare Supplement Plan F has a monthly premium of $173.43.  There is a $0 co-pay for both primary care and specialty office visits.  Hospital inpatients and hospital outpatients also have $0 co-pay.  Pharmacy, such as prescription drug coverage, is not included with this Plan. 

 

Medicare Supplement Plan N has a monthly premium of $129.20.  There is a $20 co-pay for primary care and specialty office visits.  Hospital inpatients and hospital outpatients have $0 co-pay.  Pharmacy is not covered with this Plan.

 

2.  Gerber Life Insurance Company: this carrier offers four Medicare Supplement Plans.  These are Medicare Supplement Plan A, C, F, and G.

 

Medicare Supplement Plan G offered by this carrier in your area has a monthly premium of $136.82.  There is $0 co-pay for office visits, hospital inpatients, and hospital outpatients.  Pharmacy is not covered with this Plan.

 

3. Horizon:  Horizon offers six different Medicare Plans to your area.  These are POS Blue Access w/Rx Standard,  HMO Blue Value w/Rx Standard, POS Blue Access, POS Blue Access w/Rx Enhanced, HMO Blue Value, and HMO Blue Value w/Rx Enhanced.  An HMO Plans is a Health Maintenance Organization.  A POS is a combination of an HMO and a PPO (preferred provider organization).

 

Horizon offers POS Blue Access w/Rx Standard for a monthly premium of $127.10.  There is a $15 co-pay for primary care office visits. Specialty office visits will have a $30 co-pay.  Hospital inpatients will have $75 co-pay per day for the first ten days of their stay.  Hospital outpatients will have a $35-$125 co-pay per stay, depending on the cost of each visit.

 

Coverage and Benefits of the Medicare Plans:

Each Medicare Carrier and Plan has different coverage and benefits associated with each of them.  Hence, you may see a variation in the price for a similar Plan that is offered by different companies. 

 

Medicare Supplement Plan F: offers coverage on excess fees of your Medicare Plan. This includes fees you may encounter at doctors visits, such as “out-of-pocket” fees.  It also offers coverage for your Part B deductible.  Foreign travel emergency insurance is on of the many benefits of this plan.  Medicare Supplement Plan F is one of the most popular Medicare Plan.

 

Medicare Supplement Plan G: offers extended coverage on excess charges of your Medicare Plan.  Plan G covers Medicare Part A and Part B co-payments and co-insurance.  However, one must not that Part B deductible is not covered with this Plan.  A skilled nursing facility is one of the many benefits of selecting this Plan.

 

Medicare Supplement Plan N: is one of the newest Plans offered to Medicare customers.  It was designed to offer coverage on your Medicare fees, while keeping the cost of its premium low.  This Plan offers complete coverage of your Medicare Part A deductible. 

 

If you are interested in getting a Medicare Plan and live in New Jersey, please contact the Medicare experts at MyBestMedicare.  They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap, or Medicare Supplement Plan for you.