Q&A

Q

Are My Pre-Existing Conditions Covered?

A

Yes!  Whether you enroll into a Medicare Advantage plan or Medigap-Supplement plan, your Medicare health plan will usually cover you 100% from day one of your coverage.  Occasionally, and in certain circumstances, there may be a waiting period for certain health issues, but not usually.  Our insurance agents can help you understand the guidelines - but usually this is not an issue.

Q

Are My Prescription Drugs Covered?

A

Medigap or Supplement plans do not cover prescription drugs unless you are a patient in a hospital or Skilled Nursing Facility.  

If you enroll into a Medigap plan you'll want to also work with our insurance agent to help you select a Medicare Part D prescription drug plan.  We are one of the very few agencies in the USA with a contract to offer you help in enrolling into Medicare Part D drug coverage. 

Many Medicare Advantage plans include Medicare Part D in the policy and at no extra charge to you. 

If you share with our insurance agent the prescription drugs you are currently taking, the agent will research that information and help you select a Part D plan that will best meet your needs and budget.

Contact us today and we will be glad to help!

Q

Can I Continue To See My Doctor?

A

This is another reason for you to take advantage of our services.  We will help you get the answer to this excellent question.

If you enroll into a Medigap plan then YES you will be able to continue seeing your current doctors and providers as long as they accept Medicare patients.  And no referrals are required with Medigap plans. 

Medicare Advantage Plans (Part C) are usually HMO's or PPO's.  Both types are network-based health plans.  This means we need to help you find out which HMO or PPO plan available in your state and county will allow you to continue to see your current doctors and cover your prescriptions.  We can also help you find a plan that may allow you to see providers outside the network for the Advantage Plan you may select if this is an important issue for your needs.  (Some, but not all, HMO's require a written referral from your Primary Care Doctor before you see a specialist.  Again, we can help you with this.)

Contact us today so we can help. 

Q

How Can I Contact Social Security?

A

Here are three ways to contact Social Security in order to enroll into Medicare Part A & B.

1. Call Social Security at 1-800-772-1213, or

2. Visit their website at www.ssa.gov, or

3. Go visit them in person at your local Social Security office.  You can find their address nearest you in the blue pages of your telephone book, or search online.

It often takes about 30 days for your Medicare card to arrive in the mail.  Once it arrives contact us and we will be able to help you get enrolled into a Medicare health plan.  Complete the Request a Free Quote form or telephone our Call Center toll-free at 877-244-6118.

Q

How Can I Enroll Into a Medicare Advantage Plan (Part C)?

A

Medicare Advantage Plans, sometimes called Medicare Part C, includes your major medical coverage and can also include your Medicare Part D prescription drug coverage. They are an excellent alternative for many to a Medigap plan.

Our CHS Call Center has a contract that allows us to offer you a Medicare Advantage plan. So it may be in your best interest to compare both a Medigap plan vs. a Medicare Advantage plan.  We can help.

For a free-quote just complete our form or telephone us toll-free at 877-244-6118, or email us a info@CHStoday.com.

Q

How Can I Enroll Into a Medicare Part D Prescription Plan?

A

Medicare Part D refers to prescription drug plans.  Many Medicare Advantage Plans include at no extra monthly charge your Part D coverage (there are still co-payments to purchase your medicine).  However, if you enroll into and purchase a Medigap plan you will want to also consider enrolling into a Medicare Part D prescription drug plan.  CHS can help as we are an agency with a contract to offer Part D plans.

We represent many different insurance carriers so we will to help you find the Part D plan to meet your needs and budget.  Contact us today by completing the Request a Free Quote form on our website, or by telephoning our Call Center toll-free at 877-244-6118, or by emailing us at into@CHStoday.com.

Q

How Can I Enroll Into a Medigap Plan?

A

We can do all of the work for you.  Our CHS Call Center is open during normal business hours (Eastern time).  For a free-quote on Medigap or Supplment plans, or for more information, please telephone our Call Center toll-free direct at 877-244-6118, or complete the Request a Free Quote Form, or email us at info@CHStoday.com

Q

I Already Have a Medigap plan.  How can I Find a Lower Monthly Premium or Rate?

A

You should research your options annually to be sure you have the lowest monthly premium rate possible. We will help you look at the different Medigap insurance companies available in your state and see if a lower monthly premium is available for you. 

You may also want to consider and compare a Medicare Advantage plan vs. your Medigap plan. 

We can also help you review your current Part D plan, and if needed, select a new Part D prescription drug plan during the Annual Enrollment Period October 15 - December 7. 

Contact us today by completing the Request a Free Quote Form or telephone our Call Center toll-free at 877-244-6118.

Q

How Do I Enroll Into Medicare Parts A & B?

A

There are three ways you can enroll into Medicare Parts A and B.  You must be enrolled in both Parts A & B to be eligible to then enroll into a Medicare health plan.

Here are three ways you may enroll:

  1. Call Social Security toll free at 1-800-772-1213.
  2. Go online at www.ssa.gov (Social Security website).
  3. Go visit in person at your local neighborhood Social Security office.  (You can find their address & phone number in your phone book blue pages.)

Once your Medicare card arrives in the mail from Social Security please contact CHS for a free quote. We will be happy to help. Complete the Request a Quote form or telephone our Call Center toll-free at 877-244-6118.

Q

I Have a Group or Employer Plan.  How Do I Know What To Do?

A

Just contact one of our insurance agents and they will be happy to talk with you, and help you make a decision about keeping your group-employer plan vs. enrolling into a Medicare health plan.  We are happy to help!

Q

I'm New to Medicare. How Can I Get a Medigap Plan?

A

Whether you are turning 65 or receiving Social Security Disability benefits, we can help you select a Medicare health plan to meet your medical and Part D prescription drug needs.  If you are just turning 65 and have Medicare Parts A&B, you are in a six-month period where you can enroll into any Medigap plan you wish and you’re guaranteed acceptance.  You cannot be turned down for health reasons during this time period.  

If for any reason a Medigap plan does not make sense for you, we can also help you enroll into a Medicare Advantage plan (Medicare Part C).

We are also licensed to help you enroll into a Medicare Part D prescription drug plan.  We'll be happy to help. Contact us today by completing the Request a Quote form or telephoning our Call Center at 877-244-6118.

Q

I'm Turning 65. How Can I Get a Medigap Plan?

A

Just telephone our Call Center toll-free at 877-244-6118 or submit the “Request A Free Quote Comparison” form and we will help you decide which Medigap plan will best meet your medical needs and budget.  You can choose from Plan A - Plan N, or even choose a Medicare Advantage plan - all with our help.  We know which insurance companies are available in your state and county, and how much their monthly premiums are for someone your age.  We will complete all of the application paperwork for you.  We make it easy for you.  Contact us today so we can help.

Q

I'm Under 65 & Disabled. Can I Get a Medigap Plan?

A

As long as you have Medicare Parts A & B you can ask if they are available in your state. If they are available then the monthly premium will probably be higher than for some over age 65.  It varies from state to state.

We can help you consider a Medigap plan and Part D drug coverage vs. a Medicare Advantage plan with Part D included if you don’t have End Stage Renal Disease. 

 Some states may not allow you to enroll into a Medigap plan, so a Medicare Advantage plan may make sense.  We are licensed to help you enroll into either of these Medicare plans.  Once you turn 65, you will again have a six-month open enrollment period when you can enroll into a Medigap plan if you wish, and have guaranteed acceptance. 

Telephone our Call Center at 877-244-6118 and we will be glad to help.

Q

I’ve Had Medicare A & B for More Than 6 Months. Can I Get a Medigap Plan?

A

You have a 6-month open enrollment period that guarantees your acceptance to any plan of your choice when you first turn 65 and have Medicare Parts A&B.  Once that time period passes you may still apply for a Medigap plan.  However, you’ll now have to go through medical underwriting to see if you’ll qualify.  We can help you with this.  We’ll need to ask you medical questions to see if you’ll qualify to enroll into the Medigap plan of your choice.  Each insurance company has its own set of medical questions.  It will just take us a few minutes to review the questions with you.

If you cannot get accepted into a Medigap plan, we can help you get enrolled into a Medicare Advantage Plan, sometimes called Part C or MA-PD, during certain times of the year and depending on your situation. We can also help you enroll into Medicare Part D prescription coverage.  Just complete the form or telephone our Call Center and we will be glad to help.

Q

What Does Medicare Cover?

A

Medicare covers most medical services we can think of.  You can read in great detail what Medicare covers in the CMS booklet titled, "Your Medicare Benefits".  We have saved the booklet on our website so you can find and read it in our Publication section.  Use the Table of Contents if you have a specific question.  To find the booklet on our site, go to our Home Page, look at the bar across the top of the page and click on "Resources" or "Publications".  Scroll down until you see "Your Medicare Benefits".  Double click on the picture and you'll have access to the booklet.

You can also ask your doctor if you have a specific question.  And our insurance agents may know your answer as well.  Contact us today so we can help you.

Q

What Exactly is a Medigap Plan?

A

A Medigap plan, sometimes called a Supplement or gap-filler, is a health insurance plan that supplements your Original Medicare Parts A & B.  Medicare Parts A & B have gaps in them, deductibles and co-insurance (usually 20%) that the Medicare member is responsible to pay.  The Medigap or Supplement plan will pay some or all of the gaps in Original Medicare.  There are currently eleven different Medigap plans available throughout the USA, Plan A; B ; B; D; F; High Deductible F; G; K; L; M; and Plan N.  Each of these Plans pay some or all of the gaps in Medicare.  We can help you select the Medigap plan that will meet your needs and fit your budget.

Medigap plans do not include Part D prescription drug coverage, so CHS can also help you select a Part D plan that will meet your needs.

If you do not wish to enroll into a Medigap plan for any reason we can help you select a Medicare Advantage Plan instead.

Contact us today by completing the Request a Free Quote form or telephoning our Call Center toll-free at 877-244-6118.

Q

What Is the Annual Disenrollment Period?

A

Medicare's Annual Disenrollment Perioid for Medicare Advantage plans runs from January 1 - February 14 each year.  This is the period of time that Medicare allows it's members to leave their Medicare Advantage plan and return to Original Medicare and then enroll into a Medicare Part D prescription drug plan for the remainder of the calendar year. Some that choose to do this may also apply to enroll into a Medigap plan.

Q

What Is The Difference Between a Medigap Plan & Medicare Advantage Plan?

A

If you enroll into a Medigap plan, you’ll pay the insurance company a monthly premium.  Then, when you go to a provider, such as a doctor's office visit or hospital, you may not pay anything for the medical services.  It depends on which Medigap plan you are enrolled in.  Medigap plans also allow you to see any provider in the USA that accepts Medicare patients.  Referrals are not required.

If you enroll into a Medicare Advantage plan, you may or may not have a monthly premium.  All Advantage plans are subsidized by the Federal government so they generally have low or even no monthly premiums.  The plans are state and county specific. When you see a provider, you’ll generally have a copayment for each medical service.  Advantage plans often include Medicare Part D prescription drug coverage as well and with no additional monthly cost. 

Medicare Advantage plans are network based, usually either HMO or PPO plans. Some, but not all, HMO plans require referrals. PPO plans do not require referrals.  If you give us the names of your doctors and prescriptions, we can research the information so you’ll know if your doctors are in the network or not, and if your prescriptions are covered or not. This allows you to choose a plan that will work for you.

Q

When Is The Best Time To Buy a Medigap Plan?

A

The best time to buy a Medigap plan is during your Medigap Open Enrollment Period.  Your Open Enrollment Period lasts for six months and begins on the first day of the month in which you are both age 65 and enrolled in Medicare Parts A&B. You may also enroll into a Medigap plan if you are leaving an employer health plan.

It is important to know we can send in your application for a Medigap plan before your open enrollment period starts.  This will allow you to have continuous medical coverage every day.  Contact us today so we can answer your questions and help you apply for a new plan today.

Q

Will My Medicare Health Plan Cover Nursing Homes?

A

Original Medicare Parts A & B does not cover spending the night in a traditional nursing home, nor does Original Medicare cover what is known as Long-Term Care. 

Original Medicare Parts A & B does cover up to 100 continuous days in a Skilled Nursing Facility for rehab services.  Depending on your Medicare health plan, you may be required to first spend 3 nights in a hospital before being allowed to get admitted to a Skilled Nursing Facility.  Be sure to ask our insurance agent how the plan you are considering will cover Skilled Nursing Facilities.  If you enroll into a Medicare Advantage plan, HMO or PPO, you'll need to know in advance if the Skilled Nursing Facility you wish to use is in-network or not.

Contact CHS today for help with your questions.