RLee Insurance Solutions provides senior insurance solutions and aims to give seniors the right information to make the best decisions for themselves. The company was started because seniors were often pressured into unsuitable products. The document discusses Medicare history and costs, gaps in Medicare coverage that supplemental plans can fill, and options for Medicare Advantage plans versus original Medicare plus supplements. It emphasizes evaluating needs, costs, and doctor networks when choosing a plan.
Medicare 101: The A,B,C, and D\’s of MedicareMark Lane
A overview of the basic components of Medicare, how they work, and what financial exposure exists under Basic Medicare coverage. Highlights supplemental or alternative coverage options within the Medicare framework.
Medicare 101: The A,B,C, and D\’s of MedicareMark Lane
A overview of the basic components of Medicare, how they work, and what financial exposure exists under Basic Medicare coverage. Highlights supplemental or alternative coverage options within the Medicare framework.
The Centers for Medicare and Medicaid Services (CMS) is the largest health payer in the United States, covering almost 90 million Americans. Medicare, the federal health insurance program for adults over age 65 and other qualified individuals, accounts for more than 48 million of those Americans through expenditures of more than $545 billion. But what is Medicare? How does it work? What should helping professionals and caregivers know about the program? This session will provide a broad overview of the Medicare program’s Parts A and B as well as introduce the CMS National Training Program as a resource for further training and information.
The attached slide show illustrates Medicare and Medicaid programs and planning strategies in Rockland County, New York as of February of 2011, and may be construed to be Attorney Advertising.
The Centers for Medicare and Medicaid Services (CMS) is the largest health payer in the United States, covering almost 90 million Americans. Medicare, the federal health insurance program for adults over age 65 and other qualified individuals, accounts for more than 48 million of those Americans through expenditures of more than $545 billion. But what is Medicare? How does it work? What should helping professionals and caregivers know about the program? This session will provide a broad overview of the Medicare program’s Parts A and B as well as introduce the CMS National Training Program as a resource for further training and information.
The attached slide show illustrates Medicare and Medicaid programs and planning strategies in Rockland County, New York as of February of 2011, and may be construed to be Attorney Advertising.
This gives a good base knowledge of where the current insurance industry is, a timeline of when certain mandates go into effect and a simplified description of the mandats being launched on Sept 23, 2010.
QUESTION 11. What do you think the Respiratory Therapist of the .docxmakdul
QUESTION 1
1. What do you think the Respiratory Therapist of the Future should look like (education level, duties) and why do you think this would be beneficial for the health care community as a whole?
QUESTION 2
1. During class we investigated what it is like to work as an RT in other countries. We discussed the UK health model and the US health model. Briefly describe the difference between the two (i.e. who performs the duties of an RT in the UK model vs US model).
QUESTION 3
1. What steps do you have to take to work as a Respiratory Therapist in Ohio once you graduate here on May 7th?
QUESTION 4
1. In class we investigated what the licensing process is in other states. Which state has no licensing requirement? For those states that do require a license, name 4 documents that need to be submitted to gain licensure.
QUESTION 5
1. What is one leadership trait that you think is most important and why?
QUESTION 6
1. Why do you think it's important to develop a system for establishing RT workloads?
QUESTION 7
1. Explain the difference between a HMO, a PPO, and a POS health insurance plan.
QUESTION 8
1. When it's time to choose a health insurance policy, what features or costs of the various options will you prioritize and why?
Reimbursement
Health Insurance in the US
Health insurance:
You pay a company a monthly fee
When you get sick, the hospital/physician/etc sends a bill to your insurance company and they pay for the services provided
If there is any portion of the bill left you pay for the remainder out of pocket or the physician/hospital waives the remainder
Typically, regular services (i.e. physician visit) have a “co-pay” which is a set fee ($10, $20, etc) that you pay for each visit
Health Insurance in the US
MOST US citizens fall into one of the following categories:
Employer plan
Your employer pays a portion of your monthly fee for you, to ensure they have healthy employees who can work
Typically these plans offer good coverage and you only pay $50 to $100 per month, which is taken right out of your pay check
COBRA: if you leave your job/are fired, your employer is legally obligated to offer you the ability to keep your health insurance at full price (you pay your share AND your employers share, typically upwards of $500 per month)
Private plan
VERY EXPENSIVE for the patient
Either you don’t have an employer or your employer does not offer insurance, you have to find your own plan which can run upwards of $500 per month
Government plan
Medicare: covers people 65 and older
Medicaid: covers people with disabilities and in certain low-income groups
History of Health Insurance in the US
So how did we end up with our current health insurance system?
1800s: Most workers were tradesmen, working in extremely dangerous industrial environments (i.e. steel mills)
By 1907, death and dismemberment were causing a 10% loss in the workforce
The industry recognized that people were risking their lives and livel ...
Did you have time to read the 1,990 page healthcare bill that was recently passed through Congress? Have you since wondered about the impact that massive bill will have on the average American, health insurance providers, business owners and YOU? If yes, then join the Young Professionals of Chicago as we host a panel of diverse health care professionals that will be discussing current healthcare reform and taking questions on the impact of the United States' new healthcare policy. The distinguished panelists will also provide some insight and clarity into what this massive bill means for individuals like you. There will also be an opportunity for open networking with other young professionals before and after the discussion.
goes thru new healthcare law (PPACA) by section. all information is correct and factual to best of my research. gives great background education on economics of healthcare and covers how massachusetts and europe/canada are doing w/ "reforms". I am against this law, but most information is just plain fact.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
2. Who are we?...
RLee Insurance Solutions
Providing the right information to help make the right decisions
“Having worked in the senior market for years I was continually frustrated with the way
seniors were treated by both agents and their companies. There was always the
assumption that they were incapable of making the decision that would be best for
them on their own and they were often pressured into products that may not have
been in truly their best interest. I have always found seniors to be more than capable
of making the right decision when given all the facts. I believe if I provide the right
information making the right decisions just becomes a matter of “common sense”
Robin Lee
President
3. In the Beginning…
At the bill-signing ceremony President Johnson
enrolled President Truman as the first Medicare
beneficiary and presented him with the first Medicare
card. This is President Truman's application for the
optional Part B medical care coverage, which
President Johnson signed as a witness.
Back then:
RLee Insurance Solutions
President Johnson signing the
Medicare program into law, July 30,
1965. Shown with the President (on
the right in the photo) are (left to
right) Mrs. Johnson; former
President Harry Truman; VicePresident Hubert Humphrey; and
Mrs. Truman.
The average person retiring was male and his average life expectancy was only 68 years!
Part B cost just $3.00 a month!
19 million people signed up that first year.
4. Today…
RLee Insurance Solutions
People are living much longer, and life expectancy
keeps going up!
Today there are 47 million people on Medicare
By 2030 that number will rise to 79 million!
5. RLee Insurance Solutions
What are my cost?...
Part A cost:
For 2013, for those that don’t get Part A at no cost they pay $441.00/month
Part B cost:
If your yearly income in 2011 was
You pay in
2013
File individual return
File a joint return
$85,000 or less
$170,000 or less
$104.90
Above $85,00 up to $107,000
Above $170,00 up to $214,000
$146.00
Above $107,000 up to $160,000
Above $214,000 up to $320,000
$209.80
Above 160,00 up to $214,000
Above $320,000 up to $428,000
$272.70
Above $214,000
Above $428,000
$335.70
6. RLee Insurance Solutions
When you are
Hospitalized for:
Medicare Covers:
1-60 days
Most confinement cost after
the required Medicare
Deductible.
61-90 days
All eligible expenses, after
the patient pays a per-day
copayment.
91-150 days
All eligible expenses, after
patient Pays a per-day
copayment (Theses Are
Lifetime Reserve Days which
may never be used again).
151 or more days
At least 3 days and enter
A Medicare approved
SKILLED NURSING
FACILITY within 30 days
After hospital discharge
NOTHING
All eligible expenses, for the
first20 days; then all eligible
expenses for 21-100, after
patient pays a per-day
copayment.
You pay:
(per benefit period)
$1,184 Deductible
$296 A DAY COPAYMENT
as much as $8,880
$592 A DAY COPAYMENT
as much as $35,520
YOU PAY ALL COST
After 20 days
$148.00 A
DAY COPAYMENT as much as
$11,840
7. RLee Insurance Solutions
When you are
Hospitalized for:
Medicare Covers:
1-60 days
Most confinement cost after
the required Medicare
Deductible.
61-90 days
All eligible expenses, after
the patient pays a per-day
copayment.
91-150 days
All eligible expenses, after
patient Pays a per-day
copayment (Theses Are
Lifetime Reserve Days which
may never be used again).
151 or more days
At least 3 days and enter
A Medicare approved
SKILLED NURSING
FACILITY within 30 days
After hospital discharge
NOTHING
All eligible expenses, for the
first20 days; then all eligible
expenses for 21-100, after
patient pays a per-day
copayment.
You pay:
(per benefit period)
$1,216 Deductible
$304 A DAY COPAYMENT
as much as $9,120
$608 A DAY COPAYMENT
as much as $36,480
YOU PAY ALL COST
After 20 days
$152.00 A
DAY COPAYMENT as much as
$12,160
8. RLee Insurance Solutions
On expenses
Incurred for:
Medicare Covers:
Medical Expenses
Physician’s services, inpatient, outpatient
medical/surgical services, physical/speech
therapy, diagnostic test and durable medical
equipment
Generally 80% of approved
Amount
(subject to Part B deductible)
You pay $147
Annual Deductible
PLUS:
Generally 20% of
Approved amount
Generally 100% of
Approved amount
Nothing for services
Home Health Care
Part-time or intermittent skilled care,
home health aide services, durable medical
supplies and other services.
(not subject to Part B deductible)
100% of the approved amount
(not subject Part B deductible)
80% of the approved amount for durable
medical equipment
(subject to part B deductible)
Nothing for services;
20% of approved amount for
Durable medical equipment
Outpatient Hospital Treatment
Services for the diagnosis or treatment
Of an illness or injury
Generally 80% or approved
Amount (subject to Part B deductible)
Blood
After first three pints of blood,
80% of approved amount
(subject to part B deductible)
Clinical Laboratory Services
Blood test for diagnostic services
Generally, 20% of billed amount
First three pints plus 20%
Of approved amount for additional pints
9. What are the gaps?...
RLee Insurance Solutions
They include…
Part A deductible
Part B deductible
Part B 20% including the first 3 pints of blood
Part B excess charge (15% of Medicare approved amount)
Foreign travel emergency care
Skilled nursing facility co-pay
Drug coverage
10. RLee Insurance Solutions
What is Part B excess?
Medicare assigns a price for any and all covered procedures. If the
doctor or hospital accepts this price they are accepting Medicare
“assignment” . If they choose to not accept assignment they can
charge 15% more than the Medicare approved amount only.
Example of Medicare Basics at Mayo
“Mayo Clinics don’t currently
accept assignment, here is an
example of how it could effect
your bill”.
Mayo Clinic Charge
$115.00
Medicare approved amount
$100.00
Medicare pays 80% of approved amount
$80.00
Secondary insurance pay 20% or approved amount $20.00
Total paid by Medicare and Secondary insurance
$100.00
Patient responsibility
$15.00
Heart Surgery
$150,000
Medicare Assignment
$100,000
Part B pays 80%
$80,000
Supplement pays 20%
$20,000
Part B Excess Charge 15%
$15,000
“How can Excess Charges effect a major
hospital stay”?
11. Why Will Excess
Charges be a Factor?...
The AMA explains that the
cost to run a medical practice
has risen every year
while reimbursements from
Medicare go down every year.
Where will it end?
RLee Insurance Solutions
12. What Do Doctors
Think?...
RLee Insurance Solutions
AMA ONLINE SURVEY OF PHYSICIANS The Impact of Medicare
Physician Payment on Seniors Access’ To Care May 2010
Key Findings from a new AMA online survey of 9,000+ physicians who care for Medicare patients.
About one in five physicians overall (17%) are currently restricting the number of Medicare
patients in their practice. The top two reasons they gave*:
•
Medicare payment rates are too low (85%) • ongoing threat of future payment cuts makes Medicare an unreliable
payer (78%) primary care physicians**, nearly one-third (31 percent) currently restrict the
Looking at just
number of Medicare patients in their practice. The top two reasons they gave:
•
Medicare payment rates are too low (83%) • ongoing threat of future payment cuts makes Medicare an unreliable payer (82%)
In response to this year’s two short-term delays to the 21% Medicare physician payment cut, nearly two-thirds (60%) of physicians
looked into opting out of Medicare and treating patients through the private contracting option. Other actions included:
•
Delayed payments for supplies, rent and/or other expenses (39%)
•
Took out a loan or line of credit in order to continue paying bills (17%)
•
Held up paychecks or laid off/furloughed staff (17%)
•
Cancelled or postponed scheduled services to Medicare patients (14%)
•
Temporarily closed practice to new appointments with Medicare patients (13%)
Asked about temporary proposals under consideration by Congress, physicians say that the
short-term actions will impact patients’ access to care.
If Congress enacts a 4-7 month Medicare payment freeze with a 21% payment cut,
physicians say they will:
•
Restrict the number of Medicare patients they treat
(54%)
•
Stop taking new Medicare patients (50%)
•
Stop taking any Medicare patients (31%)
If Congress enacts a 3-5 year increase in Medicare payments with a 21% payment cut to
physicians in the future, physicians say they will:
•
•
•
Restrict the number of Medicare patients they treat
(48%)
Stop taking new Medicare patients (42%)
Stop taking any Medicare patients (26%)
*Physicians in this survey were
asked to check all answers that
apply. **Primary care is defined as
Family Practice, General Practice,
Internal Medicine, and
Obstetrics/Gynecology.
13. What about the very
near future?...
RLee Insurance Solutions
Physician Medicare Cuts Delayed Til 2014
Well, they did it again. The press is congratulating Congress on
the "success" of coming up with a New Year's Night deal on that
no one likes. For physicians, this deal contains a delay in the
27% cut in Medicare payments to physicians according to the
Sustainable Growth Rate (SGR). For full coverage of this story, I
encourage you to read articles from Medpage Today, Kaiser
Health News, and Modern Healthcare. (Photo credit: New York
Times)
The 26.5% cut in Medicare reimbursement mandated by the
sustainable growth rate (SGR) formula was averted in a literal
11th hour vote Tuesday in the House of Representatives. The
House vote to pass the "fiscal cliff" bill OK'd earlier by the
Senate delays the SGR cuts for a year. The bill cleared the House
by a vote of 257-167; senators had passed the same bill in an
89-8 vote just after 2:00 a.m. vote.
While Congress has put another Band-Aid on the SGR problem,
a long term solution is still needed, because when December
31, 2013 comes, we'll be going through this thing all over again,
and the potential cuts will probably be in the 30% range.
Medical organizations will again be out encouraging their
members to lobby congress for a long term Medicare payment
solution. How effective will they be? We'll see..
The bill cleared the House by a vote of 257167; senators had passed the same bill in an
89-8 vote just after 2:00 a.m. vote.
14. RLee Insurance Solutions
We can fill those gaps!...
With a Medicare supplement policy…
Plan A
Basic Benefits
Skilled nursing co-pay
Part A deductible
Part B deductible
Part B excess charges
Foreign Travel
Drug coverage
Plan F
Plan G
Plan N
Part D
Plan N has a $20
copayment per office visit and
a $50 copayment each ER
visit.
15. RLee Insurance Solutions
What are my cost?...
Part D cost:
If your yearly income in 2011 was
You pay in 2013
File individual return
File a joint return
$85,000 or less
$170,000 or less
Your plan
premium
Above $85,00 up to $107,000
Above $170,00 up to $214,000
$11.60 + your
plan premium
Above $107,000 up to $160,000
Above $214,000 up to $320,000
$29.90 + your
plan premium
Above 160,00 up to $214,000
Above $320,000 up to $428,000
$48.30 + your
plan premium
Above $214,000
Above $428,000
$66.60 + your
plan premium
16. RLee Insurance Solutions
2013 Part D coverage ...
2013 Basic Medicare Drug Coverage
2013 Basic Benefits
You Pay
Deductible
$325
100% of first $325
Initial Coverage Limit
$2645
25% of the next $2645 ($661.25)
Coverage Gap
$2970.00
100% of the drug cost
Annual – out- of- pocket amount
Catastrophic Coverage
Medicare and Plan
95%
$4750
5%
17. RLee Insurance Solutions
2014 Part D coverage ...
2014 Basic Medicare Drug Coverage
2014 Basic Benefits
You Pay
Deductible
$310
100% of first $310
Initial Coverage Limit
$2540
25% of the next $2540 ($635.00)
Coverage Gap
$2850.00
100% of the drug cost
Annual – out- of- pocket amount
Catastrophic Coverage
Medicare and Plan
95%
$4550
5%
18. New benefits in 2013...
“How will the new
healthcare law
benefit me?” …
RLee Insurance Solutions
19. RLee Insurance Solutions
What are your options?...
Medicare
Advantage Plans
Original
Medicare
Original
Medicare
Part A &B
Medicare
Supplement
Medicare
Part D
Part C
One or the other
Part D
20. What is part C or
Advantage Plans?…
RLee Insurance Solutions
What Are Advantage Plans?
•Medicare Advantage (MA) plans are health plan
options that are part of the Medicare program
•MA plans are not the same as Medicare
Supplement insurance
•Medicare pays the plan (the insurance company)
a set amount every month for your care
•MA plans must offer all benefits of Original
Medicare and can include Part D prescription
drug coverage
21. What is part C or
Advantage Plans?…
RLee Insurance Solutions
• Most plans offer health and drug
coverage, as well as extra benefits
• Most have lower out-of-pocket costs
than with Original Medicare
• You may have to use certain healthcare
providers
• You do not need a Medicare Supplement
22. What are your choices with
Advantage Plans?…
RLee Insurance Solutions
Choices in Medicare Advantage (MA) Plans
• Health Maintenance Organization (HMO)
• Preferred Provider Organization (PPO)
• Private-Fee-For-Service (PFFS)
Plus, Part D Medicare Prescription Drug Coverage
• May be purchased as a stand-alone plan; or
• As part of a Medicare Advantage Prescription Drug plan (MAPD)
• All plans must meet minimum coverage level set by Medicare
•You should evaluate your prescription drug needs in relation to those
covered by the plan, and your cost for those drugs
23. Is an Advantage Plan
right for You?…
RLee Insurance Solutions
Things to consider before deciding on an Advantage
Plan
•What is the current state of your health?
•How often do you visit the doctor or hospital?
• Will the cost savings in monthly premium offset the co-pays?
• Where is the plan coverage area?
•Are the added benefits important to you?
•Can you return to “traditional Medicare” if you are not happy?
24. Things to consider...
… with your healthcare.
Does your current doctor accept assignment?
If so, will he be likely to continue to do so in the future?
How often do you visit the doctor?
How often do you visit the ER?
… with your agent.
Can I trust the agent?
Who do I call with my questions and concerns?
How well do they understand Medicare and my concerns?
Are they local?
… with the company.
Is my policy Guaranteed Renewable?
Will they pay my bills quickly?
Who will take care of all the paperwork?
What is the insurance company’s rating?
Is the plan accepted in my area?
RLee Insurance Solutions
26. Our Full line of
Services…
RLee Insurance Solutions
Making your healthcare decisions
A matter of “using common sense”
SERVICES AVAILABLE
Medicare Supplements
Medicare Advantage Plans
Part D Drug Cards
Life Insurance
Annuities
Long Term Care Insurance
Supplemental Health
Travel Insurance