Why add to my Medicare Plan?

 

Each person has different healthcare insurance needs.  The Medicare Plan you have now may not cover the costs of your necessary healthcare needs.  It is important to know that you can add Medicare Plans to your original Plan.  Additional Medicare Plans can help cover the extra costs associated with your personal healthcare.  You are able to choose Plans that best fit your own needs.

 

There is a large variety of Medicare Plan coverage in your Rockford, IL.  Medicare Carriers in your area include Humana Health Care, Gerber Life Insurance Company, Mutual of Omaha Medicare, and Aetna Health Insurance.  These companies offer a total of 12 different Medicare Plans for you to choose from in your area. 

 

It is important to find Medicare Plans that are specific to the areas in which you live.  These Medicare Plans are provided through private companies.  Oftentimes, theses companies provide Medicare coverage only if you use specific doctors and hospitals for your healthcare services.  The Medicare coverage applies to doctors and hospitals specific to your area.  If you choose to use a doctor or hospital that is not on your Medicare Plan, the plan may not be applicable. 

 

What are the costs of my new Medicare Plan?

 

Humana Life Insurance offers three Medicare Advantage Plans: HumanaChoice H5826-023 (PPO), HumanaChoice H5826-009 (PPO), and HumanaChoice H5525-004 (PPO).  Depending on your personal healthcare and financial needs, you may choose to have one of these Plans.  HumanaChoice H5826-023 (PPO) has no monthly premium.  An Office Visit to a primary care doctor has $10 co-pay and a specialty care office visit has $30 co-pay.  Hospital Inpatients (those who stay over-night in the hospital) will have $550 co-pay per stay.  Hospital Outpatients (those who require medical service or hospital services without an over-night stay) will have a $50-$95 co-pay per stay depending on the cost of the visit.  There is no Pharmacy coverage for prescription drug costs with this Plan.

 

Gerber Insurance offers three Medicare Supplement Plans, Plan A, F, and G.  Medicare Supplement Plan F offers you additional coverage of healthcare costs, like excess charges.  There are additional Medicare Plan benefits for adding Plan F, such as Foreign Travel emergency insurance.  This Plan has a monthly premium of $111.97.  There are no co-pay fees for Office Visits, Hospital Inpatients, and Hospital Outpatients.  This plan does not cover Pharmacy costs. 

 

Mutual of Omaha Medicare offers Supplement Medicare Plans A, G, and N.  Medicare Supplement Plan G provides additional benefits to your healthcare costs.  This Plan is popular for covering excess charges that your Medicare Plan B may not cover.  The monthly premium of this Omaha’s Supplement Plan G is $83.53.  You will have $0 co-payments for Office Visits, Hospital Inpatients, and Hospital Outpatients.  Supplement Plan G does not cover Pharmacy costs (like the costs associated with necessary prescription drugs). 

 

Aetna also offers Medicare Supplement Plans.  These are Medicare Supplement Plan A, B, and F.  The monthly premium of Medicare Supplement Plan F provided by Aetna is $153.38.  There are many benefits associated with choosing this Supplement Plan.  Some include $0 co-pay for Office Visits, Hospital Inpatients, and Hospital Outpatients.  Pharmacy coverage is not a benefit of this plan.

 

If you are interested in getting a Medicare Plan and live in Illinois, 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.