The document outlines two ways to get Medicare coverage: Original Medicare from the federal government, or Medicare Advantage plans through private insurers. It describes the basic benefits covered under Medicare Parts A and B, as well as supplemental Medigap plans and prescription drug plans. Key details include common premiums, deductibles, and cost-sharing arrangements for different plan types.
This document summarizes the different parts of Medicare coverage including Part A for inpatient hospital insurance, Part B for outpatient medical insurance, Part C for Medicare Advantage plans, Part D for prescription drug coverage, and Medigap supplemental plans. It provides details on deductibles, premiums, coinsurance amounts, and coverage included under each part or plan type. It also discusses eligibility periods and options for obtaining Medicare coverage.
This document provides an overview of Medicare and supplemental insurance options. It begins with an introduction to Medicare, including who is eligible and the different parts of Medicare coverage. It then discusses Medicare Supplement Plans A-N in detail, including benefits covered and sample rates. Next, it covers Medicare Advantage Plans as an alternative that combines Medicare parts into one plan through private insurers. Key differences between Supplement and Advantage plans are outlined. The document concludes by addressing common questions about Medicare enrollment, penalties, and plan considerations.
RLee Insurance Solutions provides information to help seniors make informed decisions about their insurance needs. The document discusses Medicare basics such as costs for Parts A, B, and D. It explains coverage for hospitalizations, skilled nursing facilities, medical expenses, and prescription drugs. The text also summarizes recent changes from the Medicare Access and CHIP Reauthorization Act, including permanently replacing Medicare's physician payment system and extending certain benefits. It addresses impacts on premiums and out-of-pocket costs for beneficiaries in the near future. The document aims to inform seniors about their Medicare options such as supplements, Advantage plans, and prescription drug plans.
This document describes the benefits of the Value Med Plan health insurance. It offers:
- $75 office visit payments directly to the member
- $1,000 daily hospital benefit up to $365,000
- $5,000 lump sum cancer benefit
- Additional benefits like prescription discounts, lab tests, and MD Hotline doctor consultations
It also guarantees renewability to age 65 and has no deductibles or co-pays. Members can access these benefits and additional discounts through the VBA membership mobile app.
This document summarizes the details of Medicare programs including Parts A, B, C, and D. It provides an overview of coverage and costs for each part as well as information on Medicare supplements and Advantage plans. The document also discusses individual prescription drug recommendations and additional benefits programs.
This document summarizes BC's Palliative Care Benefits Program which provides drug coverage through PharmaCare and medical supplies/equipment through local health authorities for eligible palliative patients. To qualify, patients must be BC residents enrolled in MSP, choosing home palliative care, and certified by their physician. The application is faxed to both PharmaCare and the health authority to initiate coverage of medications, supplies, and equipment for palliative home care.
This document summarizes the benefits included in a membership with the National Employers Association. The membership provides unlimited telemedicine consultations with physicians 24/7 as well as various insurance benefits. Insurance options include different levels of accidental death and dismemberment coverage combined with accident medical expense coverage ranging from $2,000 to $25,000. Additional benefits include emergency helicopter air ambulance reimbursement up to $7,000, prescription savings, and access to doctors via video or phone for prescription needs. The membership also includes various multi-product discounts on items like vision, dental, and hearing among others.
This document summarizes the benefits provided by a membership in Value Benefits of America (VBA), including:
- Unlimited MD Hotline video or phone consultations with doctors 24/7 for medical advice, diagnosis, and prescriptions.
- Reimbursement of up to $7,000 for emergency helicopter air ambulance transportation.
- Seven accident medical expense insurance options providing coverage for accidents with maximum benefits from $2,000 to $25,000 and deductibles from $50 to $275.
This document summarizes the different parts of Medicare coverage including Part A for inpatient hospital insurance, Part B for outpatient medical insurance, Part C for Medicare Advantage plans, Part D for prescription drug coverage, and Medigap supplemental plans. It provides details on deductibles, premiums, coinsurance amounts, and coverage included under each part or plan type. It also discusses eligibility periods and options for obtaining Medicare coverage.
This document provides an overview of Medicare and supplemental insurance options. It begins with an introduction to Medicare, including who is eligible and the different parts of Medicare coverage. It then discusses Medicare Supplement Plans A-N in detail, including benefits covered and sample rates. Next, it covers Medicare Advantage Plans as an alternative that combines Medicare parts into one plan through private insurers. Key differences between Supplement and Advantage plans are outlined. The document concludes by addressing common questions about Medicare enrollment, penalties, and plan considerations.
RLee Insurance Solutions provides information to help seniors make informed decisions about their insurance needs. The document discusses Medicare basics such as costs for Parts A, B, and D. It explains coverage for hospitalizations, skilled nursing facilities, medical expenses, and prescription drugs. The text also summarizes recent changes from the Medicare Access and CHIP Reauthorization Act, including permanently replacing Medicare's physician payment system and extending certain benefits. It addresses impacts on premiums and out-of-pocket costs for beneficiaries in the near future. The document aims to inform seniors about their Medicare options such as supplements, Advantage plans, and prescription drug plans.
This document describes the benefits of the Value Med Plan health insurance. It offers:
- $75 office visit payments directly to the member
- $1,000 daily hospital benefit up to $365,000
- $5,000 lump sum cancer benefit
- Additional benefits like prescription discounts, lab tests, and MD Hotline doctor consultations
It also guarantees renewability to age 65 and has no deductibles or co-pays. Members can access these benefits and additional discounts through the VBA membership mobile app.
This document summarizes the details of Medicare programs including Parts A, B, C, and D. It provides an overview of coverage and costs for each part as well as information on Medicare supplements and Advantage plans. The document also discusses individual prescription drug recommendations and additional benefits programs.
This document summarizes BC's Palliative Care Benefits Program which provides drug coverage through PharmaCare and medical supplies/equipment through local health authorities for eligible palliative patients. To qualify, patients must be BC residents enrolled in MSP, choosing home palliative care, and certified by their physician. The application is faxed to both PharmaCare and the health authority to initiate coverage of medications, supplies, and equipment for palliative home care.
This document summarizes the benefits included in a membership with the National Employers Association. The membership provides unlimited telemedicine consultations with physicians 24/7 as well as various insurance benefits. Insurance options include different levels of accidental death and dismemberment coverage combined with accident medical expense coverage ranging from $2,000 to $25,000. Additional benefits include emergency helicopter air ambulance reimbursement up to $7,000, prescription savings, and access to doctors via video or phone for prescription needs. The membership also includes various multi-product discounts on items like vision, dental, and hearing among others.
This document summarizes the benefits provided by a membership in Value Benefits of America (VBA), including:
- Unlimited MD Hotline video or phone consultations with doctors 24/7 for medical advice, diagnosis, and prescriptions.
- Reimbursement of up to $7,000 for emergency helicopter air ambulance transportation.
- Seven accident medical expense insurance options providing coverage for accidents with maximum benefits from $2,000 to $25,000 and deductibles from $50 to $275.
The document summarizes recent legal developments from Supreme Court decisions and appellate court rulings that have implications for healthcare providers. Key points include: the Supreme Court ruling in North Carolina Board of Dental Examiners v. FTC that state licensing boards composed primarily of market participants do not enjoy automatic antitrust immunity; developments in case law around the False Claims Act and what constitutes a "claim"; and implications of cases related to the Anti-Kickback Statute and Stark Law on compensation arrangements between physicians and healthcare entities.
This notice provides information to child care providers about potential impacts to child care assistance payments if the Minnesota state government shuts down on July 1, 2011. It explains that eligible families and registered providers will remain eligible for the program, but payments cannot be made until a state budget is approved. Families will be responsible for copayment fees and any amounts charged by providers over the maximum rate allowed during a shutdown period. Providers should continue standard billing practices and families must report changes, though appeals can be made.
Medicare Part A provides coverage for inpatient hospital stays, skilled nursing facilities, home health care, and hospice care. It is funded through the payroll tax and people aged 65+ who are eligible for Social Security are automatically enrolled. Those not receiving Social Security benefits must apply. Part A covers hospital costs, nursing facilities for up to 100 days, home health care with a skilled need, and hospice care for terminally ill patients. Beneficiaries may have copays for certain services covered by Part A.
The Medicare premiums, deductibles, and coinsurance rates for 2010 are:
- Most people pay no monthly Part A premium, while others pay $254 or $461 depending on work history.
- Most pay the standard $96.40 monthly Part B premium, while higher-income beneficiaries pay $110.50.
- The Part A deductible is $1,100 per benefit period. Daily coinsurance is $275 for days 61-90 and $550 for days 91-150 of a hospital stay. The skilled nursing facility coinsurance is $137.50 per day for days 21 through 100 each benefit period. The Part B deductible is $155 per year.
The consolidated billing requirement confers on the SNF the billing responsibility for the entire package of care that residents receive during a covered Part an SNF stay and physical, occupational, and speech therapy services received during a non-covered stay.
This document provides information about veterans benefits, specifically the Non-Service Connected Improved Pension Benefit, also known as the Aid and Attendance benefits program. This program provides supplemental income for older veterans and spouses/widows with low income or high medical costs. To qualify, veterans must have served 90 days including one during a war and be other than dishonorably discharged. The benefit can help pay for home care, assisted living, or nursing home costs. Factors like monthly medical expenses and assets are considered in determining eligibility and benefit amounts, which can be up to $1,056/month for a single surviving spouse or $1,644/month for a single veteran. The document provides details on
Alzheimer's disease and dementia care for veterans us department fo veteran...StudioHOF
The document discusses care options for veterans with Alzheimer's or dementia through the Department of Veterans Affairs (VA). The VA offers a range of services including home-based primary care, outpatient and inpatient care, and extended care in dementia units. Veterans can apply by enrolling for VA medical services online, by phone, or at their nearest VA facility. The application process involves meeting with a coordinator to discuss eligibility and available care options. Some services may require copays depending on the veteran's priority status. Spouses of veterans may qualify for certain VA health services or benefits as well.
Upon completion of this discussion forum, participants will:
- Learn about governmental programs and eligibility criteria for accessing care
- Gain tools to reduce and manage outstanding medical costs
- Better understand benefits of the ACA relative to cancer care
- Become informed of laws protecting their right to health coverage
- Understand the Social Security Disability approval process
This document is a notice of application filed with the Supreme Court of Prince Edward Island regarding access to abortion services in the province. It seeks several declarations, including that the provincial policy banning abortion services in PEI violates provincial health legislation and unjustifiably infringes on rights protected by the Canadian Charter of Rights and Freedoms. It provides background on the applicant, the provincial health system, and the history of the abortion policy in PEI dating back to 1988.
VisitorSecure Insurance is a low-cost plan for relatives or parents visiting USA or for travel abroad. More info: http://www.atlasamericainsurance.net/visitor-secure-insurance/
Visitor Secure Insurance that provides cheap and affordable scheduled or fixed benefit travel medical protection coverage for immigrants or travelers to the U.S., or for visiting any foreign destination outside home country. VisitorSecure plan is available from a minimum of 14 days up to a maximum of one year. Visitor Secure Insurance is designed to protect the visitors health across borders with coverage benefits such as both inpatient and outpatient hospital medical expenses, emergency medical evacuation, and common carrier accidental death and dismemberment. and emergency travel features, and is suitable for a single individual or a group of family members or travelers to any nation. Individuals on one application must fall into one of these categories: below age 69, ages 70 to 79, and age 80 and above. If you will be traveling to the US and are age 65 or above, your date of arrival in the US must be no more than 30 days after your effective date. Visitor Secure Insurance is extendable and renewable up to 12 months of continuous coverage.
Like most, unless you know someone who has been disabled, you may not see the value of Disability Insurance. You may think it won't happen to you, but if it does, you are vulnerable to lost income.
The Society of Hospital Medicine wrote a letter to Congressional leaders urging further action to address challenges posed by the COVID-19 pandemic. They requested that policymakers: 1) increase the supply and production of PPE and ventilators, as shortages are limiting the ability to respond; 2) dramatically increase access to COVID-19 testing to enable self-isolation and curb the spread; and 3) ensure adequate provider availability by expanding visa programs and reimbursing providers facing financial hardship from canceled procedures. The letter emphasized that hospitalists are on the frontlines of caring for COVID-19 patients and need support to safely and effectively respond to this public health crisis.
This document provides a summary of Medicare claims processing procedures for inpatient hospital billing. It outlines the table of contents which includes sections on general inpatient requirements, payment under the prospective payment system (PPS) diagnosis-related groups (DRGs), additional payment amounts for disproportionate share hospitals, rural hospital flexibility programs, billing coverage and utilization rules, adjustment bills, swing-bed services, and billing instructions for specific situations such as transplants and foreign hospital services. It provides procedural guidance to Medicare contractors for processing inpatient hospital claims.
This document provides information about Medicare Parts A, B, C, and D. Part A covers hospital insurance with no premium, but has deductibles and co-insurance costs for inpatient care. Part B covers medical insurance with a monthly premium and annual deductible, covering 80% of costs. Part D prescription drug plans have a standard benefit including deductibles, coverage gaps, and catastrophic coverage. Medicare Advantage Plans through private insurers provide all Medicare benefits, while Medigap supplements provide additional coverage to Original Medicare. Those eligible can contact an agent for assistance choosing the best plan.
The document provides information on updates and improvements to BMC FirstChoice insurance portfolio offerings, including the Patriot Series, Critical Illness Plan (CPR), and Accident Plan (PAID). Key updates include greater benefits at lower premiums for the Patriot Series plans, guaranteed renewable critical illness coverage through CPR, and additional benefits through optional riders. Specific improvements are outlined for surgical benefits, supplemental coverage, and rates.
The document summarizes Lockton Companies' presentation to Metropolitan Community College's Insurance Committee regarding MCC's health insurance renewal for 2015. It includes: (1) a summary of 2013-2014 plan performance and large claims; (2) details of MCC's current 2014 plan design and cost sharing; (3) BlueKC's proposed 2015 renewal rates, which include a 15% increase to fixed fees and a negotiated 10% increase to maximum claim liability factors; and (4) an analysis of the impact of proposed increases to prescription drug out-of-pocket maximums. The presentation provides information to help MCC evaluate its health insurance options and costs for 2015.
This document is an application for membership in the Family Care Advantage Plan, a discount medical plan offered by Association Heath Care Management, Inc. It collects personal information from applicants such as name, address, date of birth, and payment details. Membership costs $49.95 per month plus a one-time $50 application fee. The plan provides discounts on dental care, pharmacy costs, lab tests, and imaging services. Applicants must initial that they understand Family Care is not insurance before signing to apply.
How the Opioid Crisis and the SUPPORT Act Created a New Enforcement Reality: ...Epstein Becker Green
How the Opioid Crisis and the SUPPORT Act Created a New Enforcement Reality: Trends in Behavioral Health Webinar Series
Presented by
Richard W. Westling – Member, Epstein Becker Green
Katherine Bowles – Attorney, Nelson Hardiman
Part of a "first Thursdays" webinar series hosted by Behavioral Health Association of Providers, Epstein Becker & Green, P.C., and Nelson Hardiman, LLP.
During 2018, the Department of Justice dedicated additional enforcement resources to address the opioid crisis. By adding criminal penalties targeted at kickbacks in the SUD provider space, the SUPPORT Act significantly enhanced the many tools already available to the DOJ. These efforts will also likely further embolden private payor review activities.
More info: https://www.ebglaw.com/events/how-the-opioid-crisis-and-the-support-act-created-a-new-enforcement-reality-trends-in-behavioral-health-webinar-series/
These materials have been provided for informational purposes only and are not intended and should not be construed to constitute legal advice. The content of these materials is copyrighted to Epstein Becker & Green, P.C. ATTORNEY ADVERTISING.
The document summarizes recent legal developments from Supreme Court decisions and appellate court rulings that have implications for healthcare providers. Key points include: the Supreme Court ruling in North Carolina Board of Dental Examiners v. FTC that state licensing boards composed primarily of market participants do not enjoy automatic antitrust immunity; developments in case law around the False Claims Act and what constitutes a "claim"; and implications of cases related to the Anti-Kickback Statute and Stark Law on compensation arrangements between physicians and healthcare entities.
This notice provides information to child care providers about potential impacts to child care assistance payments if the Minnesota state government shuts down on July 1, 2011. It explains that eligible families and registered providers will remain eligible for the program, but payments cannot be made until a state budget is approved. Families will be responsible for copayment fees and any amounts charged by providers over the maximum rate allowed during a shutdown period. Providers should continue standard billing practices and families must report changes, though appeals can be made.
Medicare Part A provides coverage for inpatient hospital stays, skilled nursing facilities, home health care, and hospice care. It is funded through the payroll tax and people aged 65+ who are eligible for Social Security are automatically enrolled. Those not receiving Social Security benefits must apply. Part A covers hospital costs, nursing facilities for up to 100 days, home health care with a skilled need, and hospice care for terminally ill patients. Beneficiaries may have copays for certain services covered by Part A.
The Medicare premiums, deductibles, and coinsurance rates for 2010 are:
- Most people pay no monthly Part A premium, while others pay $254 or $461 depending on work history.
- Most pay the standard $96.40 monthly Part B premium, while higher-income beneficiaries pay $110.50.
- The Part A deductible is $1,100 per benefit period. Daily coinsurance is $275 for days 61-90 and $550 for days 91-150 of a hospital stay. The skilled nursing facility coinsurance is $137.50 per day for days 21 through 100 each benefit period. The Part B deductible is $155 per year.
The consolidated billing requirement confers on the SNF the billing responsibility for the entire package of care that residents receive during a covered Part an SNF stay and physical, occupational, and speech therapy services received during a non-covered stay.
This document provides information about veterans benefits, specifically the Non-Service Connected Improved Pension Benefit, also known as the Aid and Attendance benefits program. This program provides supplemental income for older veterans and spouses/widows with low income or high medical costs. To qualify, veterans must have served 90 days including one during a war and be other than dishonorably discharged. The benefit can help pay for home care, assisted living, or nursing home costs. Factors like monthly medical expenses and assets are considered in determining eligibility and benefit amounts, which can be up to $1,056/month for a single surviving spouse or $1,644/month for a single veteran. The document provides details on
Alzheimer's disease and dementia care for veterans us department fo veteran...StudioHOF
The document discusses care options for veterans with Alzheimer's or dementia through the Department of Veterans Affairs (VA). The VA offers a range of services including home-based primary care, outpatient and inpatient care, and extended care in dementia units. Veterans can apply by enrolling for VA medical services online, by phone, or at their nearest VA facility. The application process involves meeting with a coordinator to discuss eligibility and available care options. Some services may require copays depending on the veteran's priority status. Spouses of veterans may qualify for certain VA health services or benefits as well.
Upon completion of this discussion forum, participants will:
- Learn about governmental programs and eligibility criteria for accessing care
- Gain tools to reduce and manage outstanding medical costs
- Better understand benefits of the ACA relative to cancer care
- Become informed of laws protecting their right to health coverage
- Understand the Social Security Disability approval process
This document is a notice of application filed with the Supreme Court of Prince Edward Island regarding access to abortion services in the province. It seeks several declarations, including that the provincial policy banning abortion services in PEI violates provincial health legislation and unjustifiably infringes on rights protected by the Canadian Charter of Rights and Freedoms. It provides background on the applicant, the provincial health system, and the history of the abortion policy in PEI dating back to 1988.
VisitorSecure Insurance is a low-cost plan for relatives or parents visiting USA or for travel abroad. More info: http://www.atlasamericainsurance.net/visitor-secure-insurance/
Visitor Secure Insurance that provides cheap and affordable scheduled or fixed benefit travel medical protection coverage for immigrants or travelers to the U.S., or for visiting any foreign destination outside home country. VisitorSecure plan is available from a minimum of 14 days up to a maximum of one year. Visitor Secure Insurance is designed to protect the visitors health across borders with coverage benefits such as both inpatient and outpatient hospital medical expenses, emergency medical evacuation, and common carrier accidental death and dismemberment. and emergency travel features, and is suitable for a single individual or a group of family members or travelers to any nation. Individuals on one application must fall into one of these categories: below age 69, ages 70 to 79, and age 80 and above. If you will be traveling to the US and are age 65 or above, your date of arrival in the US must be no more than 30 days after your effective date. Visitor Secure Insurance is extendable and renewable up to 12 months of continuous coverage.
Like most, unless you know someone who has been disabled, you may not see the value of Disability Insurance. You may think it won't happen to you, but if it does, you are vulnerable to lost income.
The Society of Hospital Medicine wrote a letter to Congressional leaders urging further action to address challenges posed by the COVID-19 pandemic. They requested that policymakers: 1) increase the supply and production of PPE and ventilators, as shortages are limiting the ability to respond; 2) dramatically increase access to COVID-19 testing to enable self-isolation and curb the spread; and 3) ensure adequate provider availability by expanding visa programs and reimbursing providers facing financial hardship from canceled procedures. The letter emphasized that hospitalists are on the frontlines of caring for COVID-19 patients and need support to safely and effectively respond to this public health crisis.
This document provides a summary of Medicare claims processing procedures for inpatient hospital billing. It outlines the table of contents which includes sections on general inpatient requirements, payment under the prospective payment system (PPS) diagnosis-related groups (DRGs), additional payment amounts for disproportionate share hospitals, rural hospital flexibility programs, billing coverage and utilization rules, adjustment bills, swing-bed services, and billing instructions for specific situations such as transplants and foreign hospital services. It provides procedural guidance to Medicare contractors for processing inpatient hospital claims.
This document provides information about Medicare Parts A, B, C, and D. Part A covers hospital insurance with no premium, but has deductibles and co-insurance costs for inpatient care. Part B covers medical insurance with a monthly premium and annual deductible, covering 80% of costs. Part D prescription drug plans have a standard benefit including deductibles, coverage gaps, and catastrophic coverage. Medicare Advantage Plans through private insurers provide all Medicare benefits, while Medigap supplements provide additional coverage to Original Medicare. Those eligible can contact an agent for assistance choosing the best plan.
The document provides information on updates and improvements to BMC FirstChoice insurance portfolio offerings, including the Patriot Series, Critical Illness Plan (CPR), and Accident Plan (PAID). Key updates include greater benefits at lower premiums for the Patriot Series plans, guaranteed renewable critical illness coverage through CPR, and additional benefits through optional riders. Specific improvements are outlined for surgical benefits, supplemental coverage, and rates.
The document summarizes Lockton Companies' presentation to Metropolitan Community College's Insurance Committee regarding MCC's health insurance renewal for 2015. It includes: (1) a summary of 2013-2014 plan performance and large claims; (2) details of MCC's current 2014 plan design and cost sharing; (3) BlueKC's proposed 2015 renewal rates, which include a 15% increase to fixed fees and a negotiated 10% increase to maximum claim liability factors; and (4) an analysis of the impact of proposed increases to prescription drug out-of-pocket maximums. The presentation provides information to help MCC evaluate its health insurance options and costs for 2015.
This document is an application for membership in the Family Care Advantage Plan, a discount medical plan offered by Association Heath Care Management, Inc. It collects personal information from applicants such as name, address, date of birth, and payment details. Membership costs $49.95 per month plus a one-time $50 application fee. The plan provides discounts on dental care, pharmacy costs, lab tests, and imaging services. Applicants must initial that they understand Family Care is not insurance before signing to apply.
How the Opioid Crisis and the SUPPORT Act Created a New Enforcement Reality: ...Epstein Becker Green
How the Opioid Crisis and the SUPPORT Act Created a New Enforcement Reality: Trends in Behavioral Health Webinar Series
Presented by
Richard W. Westling – Member, Epstein Becker Green
Katherine Bowles – Attorney, Nelson Hardiman
Part of a "first Thursdays" webinar series hosted by Behavioral Health Association of Providers, Epstein Becker & Green, P.C., and Nelson Hardiman, LLP.
During 2018, the Department of Justice dedicated additional enforcement resources to address the opioid crisis. By adding criminal penalties targeted at kickbacks in the SUD provider space, the SUPPORT Act significantly enhanced the many tools already available to the DOJ. These efforts will also likely further embolden private payor review activities.
More info: https://www.ebglaw.com/events/how-the-opioid-crisis-and-the-support-act-created-a-new-enforcement-reality-trends-in-behavioral-health-webinar-series/
These materials have been provided for informational purposes only and are not intended and should not be construed to constitute legal advice. The content of these materials is copyrighted to Epstein Becker & Green, P.C. ATTORNEY ADVERTISING.
Este documento compara dos cámaras de acción, la QUMOX SJ4000 y la GoPro Hero3 White Edition. La QUMOX SJ4000 graba en 1080p a 30fps o 720p a 60fps, tiene un sensor de 12 megapíxeles, batería de 900mAh, pantalla de 1.5 pulgadas y un precio de 60-65 euros. La GoPro Hero3 White Edition tiene conectividad WiFi, sensor de 5 megapíxeles, batería de 1180mAh, y un precio más alto de 150-250 euros.
Este documento resume los tipos principales de música medieval, incluida la música profana y sus características. Explica los movimientos de los trovadores y troveros, así como su división del idioma. También describe a los juglares, goliardos y sus instrumentos musicales.
Anand Kalyani has over 15 years of experience in operations, customer service, sales, and team management roles in the insurance and banking industries. He is currently a Corporate Sales Manager at HDFC Life based in Pune, where he manages a team responsible for selling insurance plans through bank branches. Previously he held roles such as Branch Manager at ICICI Bank, Agency Manager at Max Bupa Health Insurance, and Assistant Manager of Customer Relations at Max New York Life Insurance. He has a MBA and BCom and is skilled in customer relationship management, sales, operations, and developing high-performance teams.
What are the differences between marketing in a developing and a developed ma...Sameer mathur
What are the differences between marketing in a developing and a developed market?
Texts from Marketing management: A South Asian Perspective.
By Rahul Nk NIT Trichy
Evolución del televisor a través del tiempo josejsanchez
Este documento describe la evolución de la tecnología de la televisión desde sus orígenes hasta la televisión digital de hoy en día. Comienza con la televisión mecánica y luego pasa a la electrónica, cubriendo los principales sistemas de color. También resume los diferentes tipos de televisores a través del tiempo y los métodos de difusión analógica y digital.
The document summarizes health insurance options for Medicare beneficiaries, including Medicare Advantage private fee-for-service plans and Medicare Part D prescription drug plans offered by two insurance companies. It provides an overview of how Original Medicare works, costs to beneficiaries, and alternatives like Medicare Supplement policies and Medicare Advantage plans. Key details on various Medicare plan types such as HMOs, PPOs, and private fee-for-service plans are outlined.
RLee Insurance Solutions provides seniors with information to help them make the right decisions about their healthcare and insurance needs. The document discusses Medicare basics such as costs, coverage, and recent changes including the permanent replacement of Medicare's sustainable growth rate system. It also explains options like Medigap supplemental plans, Medicare Advantage plans, and Part D prescription drug plans. The goal is to give seniors the facts they need to choose solutions that best suit their individual situations.
RLee Insurance Solutions provides information to help seniors make decisions about their insurance needs. The document discusses Medicare costs and coverage, including that Part A costs $407/month for some, Part B costs vary from $104.90 to $335.70 based on income. It also summarizes what Medicare covers for hospital stays, skilled nursing facilities, medical expenses and more. The document notes gaps in Medicare coverage and increasing costs pressures on doctors from rising overhead and decreasing reimbursement rates.
Stonebridge Medicare Supplement Insurance BrochureGary Jackson
Stonebridge Life Insurance Company offers several Medicare supplement plans (A, F, G, and N) to help cover costs that Medicare does not pay. The plans provide coverage for things like hospital stays, medical costs, skilled nursing care, and emergency care when traveling abroad. Premiums vary based on factors like age and whether the applicant uses tobacco. The document provides details on plan benefits and costs to help customers choose the right plan for their needs.
This document provides an overview of medical billing and coding. It discusses the process of submitting and following up on claims to insurance companies to receive payment. A medical biller's responsibilities include charge entry, claims transmission, payment posting, and following up with insurances and patients. Billers must understand medical records and codes like CPT, HCPCS, and ICD-9/10 in order to perform their duties. The document also introduces various types of government and commercial health insurance plans.
RLee Insurance Solutions provides information to help seniors make the right decisions about their insurance needs. The company was founded with the goal of treating seniors with respect and giving them all the facts to make well-informed choices. The document then provides details on Medicare costs, coverage, and recent changes including: 1) The Qualified Individual program is now permanent to help low-income seniors with Part B costs. 2) Social Security numbers will be removed from Medicare cards by 2019. 3) Therapy caps exceptions are extended for two years. 4) Part B premiums are projected to increase over $50 by 2023.
Receiving a cancer diagnosis can be one of life's most frightening events. Unfortunately, statistics show you probably know someone who has been int his situation.
This document provides an overview of Medicare including its four parts (Part A, B, C, and D) and eligibility. It discusses the Affordable Care Act changes to Medicare including closing the prescription drug coverage donut hole, extending the financial health of Medicare, and improving preventive services coverage. It also covers becoming a Medicare provider or supplier, including enrollment steps and reimbursement as a participating or nonparticipating provider.
This document provides an overview of Medicare including eligibility, coverage under Parts A, B, C, and D, costs, and supplemental plans. Original Medicare has inpatient coverage under Part A but beneficiaries pay deductibles and coinsurance. Part B covers outpatient services and providers are reimbursed fee-for-service. Medicare Advantage plans provide all Medicare benefits and may offer extra benefits for a monthly premium. Part D prescription drug plans have a standard benefit design including a deductible, coverage gap, and catastrophic coverage. The document also reviews enrollment periods and offers resources for additional information.
This document provides an overview of Medicare including its different parts (A, B, C, and D). It discusses eligibility and enrollment, what is covered under each part, premiums and deductibles, penalties for late enrollment, and provides a quiz to test understanding. Key points include that Part A covers hospital, skilled nursing facility, home health, and hospice care while Part B covers doctor services and outpatient care. Part C is Medicare Advantage which provides managed care options. Part D is prescription drug coverage offered through private insurers.
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 document provides an overview and summary of Medicare and supplemental insurance options. It begins with introducing Boone Insurance Associates, which provides various health and life insurance products. The bulk of the document then summarizes Medicare Parts A, B, C, and D - including what they cover, who qualifies, premium and cost-sharing details. It also discusses options for covering gaps in Medicare like Medicare Advantage plans, Medigap plans, and Part D prescription drug plans. Specific plan types like HMOs, PPOs, and POS plans are defined.
President Johnson signed the Medicare program into law in 1965, establishing a national health insurance program for Americans aged 65 and older. Originally, 19 million people signed up in the first year. Today, over 64 million people are enrolled in Medicare. As life expectancies increase, enrollment is projected to rise to 80 million by 2030. The document provides details on eligibility, enrollment periods, costs, and coverage under Medicare Parts A, B, D, and recent changes and options under current laws.
The document provides information about open enrollment for employee benefits at a company. It summarizes the various benefit plans including medical coverage through JP Farley, dental through Anthem, vision through VSP, and life and disability insurance through Aetna. Details are provided on plan costs, coverage amounts, and requirements for dependent eligibility. The presentation instructs employees to complete enrollment by November 21st online or waive coverage, and to watch for new ID cards in the mail. Contact information is provided for benefits questions.
The document provides an overview of navigating Medicare benefits and healthcare options in the US. It discusses qualifying for and enrolling in Medicare, including Parts A, B, C, and D. It also covers tools and resources for help paying premiums and medications, as well as planning for long-term care. Resources listed include Medicare.gov, Medicaid programs, and organizations that provide assistance.
This document provides information about employee benefits open enrollment for 2015. It summarizes that employees must make their benefit elections through the ADP website by November 21st to ensure coverage for 2015. It also provides overviews of the new medical plan administrator, dental and life insurance plans, and enrollment steps.
The document is a sales presentation for WellCare Medicare Advantage and prescription drug plans. It discusses:
- The agent's background and mission to provide information about WellCare plans
- An overview of Medicare options including Original Medicare, Medicare Advantage, and prescription drug plans
- Specific benefits of WellCare plans like low premiums, more predictable costs, and additional benefits like vision/dental
- How members can access services through WellCare's network and prescription drug coverage through its formulary
Robert F Naples is an insurance agent with USA Benefits Group, a nationwide network of insurance professionals. He has over 50 years of experience in insurance and financial services. He is dedicated to finding health insurance plans that will pay 100% of catastrophic medical bills from critical illnesses, accidents, and transplants. His plans also provide income replacement if the policyholder is unable to work due to an illness or accident. He works with top-rated insurance carriers to offer secure and affordable options to protect families from financial hardship due to high medical costs.
Similar to Ray mac medicare education presentation long version (20)
Ray mac medicare education presentation long version
1. 2 Ways
To Get Medicare
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
2. 2 Ways
To Get Medicare
Original Medicare
Federal Gov’t
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
3. 2 Ways
To Get Medicare
Original Medicare
Federal Gov’t
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Medicare ADVANTAGE
Part C
4. Inpatient Hospital Ins.Part A
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Medicare ADVANTAGE
Part C
5. Inpatient Hospital Ins.Part A
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Medicare ADVANTAGE
Part C
6. Inpatient Hospital Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Part A
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Medicare ADVANTAGE
Part C
7. Outpatient Medical Ins.Part B
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Inpatient Hospital Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Part A
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
8. Outpatient Medical Ins.
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part B
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Inpatient Hospital Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Part A
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
9. Outpatient Medical Ins.
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part B
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Inpatient Hospital Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Part A
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
Prem: $104.90/mo.
10. Outpatient Medical Ins.
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part B
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Inpatient Hospital Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Part A
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
Prem: $104.90/mo.
Ded: $147/yr.
11. Outpatient Medical Ins.
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part B
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Inpatient Hospital Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Part A
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
12. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
A
B
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
13. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
A
B
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
14. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
A
B
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
10 Letter Plans in Washington
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
15. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
16. F
100%
$179-$188
100%
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
A
B
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
17. F
100%
$179-$188
100%
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
A
B
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158
Pt. B $147
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
18. NF
100%
$179-$188
100%
$128
Pt. B $147
Doc/$20 - ER/$50
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
A
B
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158
Pt. B $147
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
19. NF
100%
$179-$188
100%
K
50%
$57
$4940 MOOP
$128
Pt. B $147
Doc/$20 - ER/$50
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
A
B
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158
Pt. B $147
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
20. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
$179-$188
100%
K
50%
$57
$4940 MOOP
$128
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158
Pt. B $147
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
21. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Avg. $33.13/ mo.
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
$179-$188
100%
K
50%
$57
$4940 MOOP
$128
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158
Pt. B $147
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
22. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Avg. $33.13/ mo.
Formulary – Rx List
Tiers 1 -5
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
$179-$188
100%
K
50%
$57
$4940 MOOP
$128
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158
Pt. B $147
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
23. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
Formulary – Rx List
Tiers 1 -5
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
$179-$188
100%
K
50%
$57
$4940 MOOP
$128
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158
Pt. B $147
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C
24. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
1. Formulary - a list of prescription drugs covered by a Plan.
Formulary – Rx List
Tiers 1 -5
25. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
1. Formulary - a list of prescription drugs covered by a Plan.
2. Tier level determines what your copay will be for a given drug. Higher tier = higher
cost.
Formulary – Rx List
Tiers 1 -5
26. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
1. Formulary - a list of prescription drugs covered by a Plan.
2. Tier level determines what your copay will be for a given drug. Higher tier = higher
cost
3. 90-Day Supply
Formulary – Rx List
Tiers 1 -5
27. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
1. Formulary - a list of prescription drugs covered by a Plan.
2. Tier level determines what your copay will be for a given drug. Higher tier = higher
cost
3. 90-Day Supply
4. Step Therapy – Some drugs require you to try another drug first.
Formulary – Rx List
Tiers 1 -5
28. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
1. Formulary - a list of prescription drugs covered by a Plan.
2. Tier level determines what your copay will be for a given drug. Higher tier = higher
cost
3. 90-Day Supply
4. Step Therapy – Some drugs require you to try another drug first.
5. Exceptions
Formulary – Rx List
Tiers 1 -5
29. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
1. Formulary - a list of prescription drugs covered by a Plan.
2. Tier level determines what your copay will be for a given drug. Higher tier = higher
cost
3. 90-Day Supply
4. Step Therapy – Some drugs require you to try another drug first.
5. Exceptions
6. Network Pharmacies – unless emergency
Formulary – Rx List
Tiers 1 -5
30. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
1. Formulary - a list of prescription drugs covered by a Plan.
2. Tier level determines what your copay will be for a given drug. Higher tier = higher
cost
3. 90-Day Supply
4. Step Therapy – Some drugs require you to try another drug first.
5. Exceptions
6. Network Pharmacies – unless emergency
7. Low Income Subsidy
Formulary – Rx List
Tiers 1 -5
31. (Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
33. Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
34. Stage 2.
Initial Benefit
Period
Copays
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
35. Stage 2.
Initial Benefit
Period
Copays
You Pay
Copays
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
36. Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
37. Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
When You
38. Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
When You + Insurance Pays
39. Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
When You + Insurance Pays = $2960
40. Stage 3.
Coverage Gap – “Donut Hole”
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
When You + Insurance Pays = $2960
41. Stage 3.
Coverage Gap – “Donut Hole”
Brand-name
You Pay
45%
Of Drug Value
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
When You + Insurance Pays = $2960
42. Stage 3.
Coverage Gap – “Donut Hole”
Brand-name
Manufacturer
Provides
50%
discount
You Pay
45%
Of Drug Value
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
When You + Insurance Pays = $2960
43. Stage 3.
Coverage Gap – “Donut Hole”
Brand-name
Manufacturer
Provides
50%
discount
Insurance
Pays 5%
You Pay
45%
Of Drug Value
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
When You + Insurance Pays = $2960
44. Stage 3.
Coverage Gap – “Donut Hole”
You Pay
65%
Of Drug Value
Generic
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Brand-name
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
Manufacturer
Provides
50%
discount
Insurance
Pays 5%
You Pay
45%
Of Drug Value
When You + Insurance Pays = $2960
45. Stage 3.
Coverage Gap – “Donut Hole”
You Pay
65%
Of Drug Value
Insurance Pays
35%
Of Drug Value
Generic
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Brand-name
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
Manufacturer
Provides
50%
discount
Insurance
Pays 5%
You Pay
45%
Of Drug Value
When You + Insurance Pays = $2960
46. TrOOP When YOU have paid $4700 (including Mfg. 50% disc.) then…
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 3.
Coverage Gap – “Donut Hole”
Brand-name
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
Manufacturer
Provides
50%
discount
Insurance
Pays 5%
You Pay
45%
Of Drug Value
You Pay
65%
Of Drug Value
Insurance Pays
35%
Of Drug Value
Generic
When You + Insurance Pays = $2960
In 2015, when in Stage 3 Coverage Gap, 95 percent of the full price of a brand name and 65 percent of the full price of a generic goes toward
True Out of Pocket expense (TrOOP). Once this amount reaches $4700, then Stage 4 – Catastrophic coverage is reached.
47. Stage 4.
Catastrophic Coverage
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 3.
Coverage Gap – “Donut Hole”
Brand-name
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
Manufacturer
Provides
50%
discount
Insurance
Pays 5%
You Pay
45%
Of Drug Value
You Pay
65%
Of Drug Value
Insurance Pays
35%
Of Drug Value
Generic
TrOOP When YOU have paid $4700 (including Mfg. 50% disc.) then…
In 2015, when in Stage 3 Coverage Gap, 95 percent of the full price of a brand name and 65 percent of the full price of a generic goes toward
True Out of Pocket expense (TrOOP). Once this amount reaches $4700, then Stage 4 – Catastrophic coverage is reached.
When You + Insurance Pays = $2960
48. Stage 4.
Catastrophic Coverage
You pay Greater of | 5% or
$2.65 generic / $6.60 Brand
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 3.
Coverage Gap – “Donut Hole”
Brand-name
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
Manufacturer
Provides
50%
discount
Insurance
Pays 5%
You Pay
45%
Of Drug Value
You Pay
65%
Of Drug Value
Insurance Pays
35%
Of Drug Value
Generic
TrOOP When YOU have paid $4700 (including Mfg. 50% disc.) then…
In 2015, when in Stage 3 Coverage Gap, 95 percent of the full price of a brand name and 65 percent of the full price of a generic goes toward
True Out of Pocket expense (TrOOP). Once this amount reaches $4700, then Stage 4 – Catastrophic coverage is reached.
When You + Insurance Pays = $2960
49. Stage 4.
Catastrophic Coverage
You pay Greater of | 5% or
$2.65 generic / $6.60 Brand
Medicare Pays
80%
Of Drug Value
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 3.
Coverage Gap – “Donut Hole”
Brand-name
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
Manufacturer
Provides
50%
discount
Insurance
Pays 5%
You Pay
45%
Of Drug Value
You Pay
65%
Of Drug Value
Insurance Pays
35%
Of Drug Value
Generic
TrOOP When YOU have paid $4700 (including Mfg. 50% disc.) then…
In 2015, when in Stage 3 Coverage Gap, 95 percent of the full price of a brand name and 65 percent of the full price of a generic goes toward
True Out of Pocket expense (TrOOP). Once this amount reaches $4700, then Stage 4 – Catastrophic coverage is reached.
When You + Insurance Pays = $2960
50. Stage 4.
Catastrophic Coverage
You pay Greater of | 5% or
$2.65 generic / $6.60 Brand
Medicare Pays
80%
Of Drug Value
Insurance Pays
15% of Drug Value
(Monthly Premiums are in addition to cost shown below.)Part D – Standard Benefit, what you pay for drugs.
Stage 1.
Yearly Deductible
You Pay
100%
$0 to $320
Stage 3.
Coverage Gap – “Donut Hole”
Brand-name
Stage 2.
Initial Benefit
Period
Copays
Insurance Pays
Balance
You Pay
Copays
Manufacturer
Provides
50%
discount
Insurance
Pays 5%
You Pay
45%
Of Drug Value
You Pay
65%
Of Drug Value
Insurance Pays
35%
Of Drug Value
Generic
TrOOP When YOU have paid $4700 (including Mfg. 50% disc.) then…
In 2015, when in Stage 3 Coverage Gap, 95 percent of the full price of a brand name and 65 percent of the full price of a generic goes toward
True Out of Pocket expense (TrOOP). Once this amount reaches $4700, then Stage 4 – Catastrophic coverage is reached.
When You + Insurance Pays = $2960
51. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
[Network: Any provider that accepts Medicare]
2 Ways
To Get Medicare
Part A
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
$188/mo.
100%
K
50%
$57-mo.
$4940 MOOP
$128/mo.
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part B
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158/mo.
Pt. B $147
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
Formulary – Rx List
Tiers 1 -5
[Monthly Changeable]
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
Part A
52. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
[Network: Any provider that accepts Medicare]
2 Ways
To Get Medicare
Part A
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
$188/mo.
100%
K
50%
$57-mo.
$4940 MOOP
$128/mo.
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part B
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158/mo.
Pt. B $147
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
Formulary – Rx List
Tiers 1 -5
[Monthly Changeable]
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
Part A
53. Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
[Network: Any provider that accepts Medicare]
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
$188/mo.
100%
K
50%
$57-mo.
$4940 MOOP
$128/mo.
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158/mo.
Pt. B $147
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
Formulary – Rx List
Tiers 1 -5
[Monthly Changeable]
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
54. $104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
[Network: Any provider that accepts Medicare]
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
$188/mo.
100%
K
50%
$57-mo.
$4940 MOOP
$128/mo.
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158/mo.
Pt. B $147
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
Formulary – Rx List
Tiers 1 -5
[Monthly Changeable]
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
55. $104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
[Network: Any provider that accepts Medicare]
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
$188/mo.
100%
K
50%
$57-mo.
$4940 MOOP
$128/mo.
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158/mo.
Pt. B $147
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
Formulary – Rx List
Tiers 1 -5
[Monthly Changeable]
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
56. HMO – Get your care in Network
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
57. HMO – Get your care in Network
You choose your doctor
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
58. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
59. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
60. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
61. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
62. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
63. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
64. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
65. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
66. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
67. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
Formulary – Rx List
Tiers 1 -5
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
68. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
Formulary – Rx List
Tiers 1 -5
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
ELIGIBILITY
Part A & B
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
69. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
Formulary – Rx List
Tiers 1 -5
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
ELIGIBILITY
Part A & B
ESRD
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
70. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
Formulary – Rx List
Tiers 1 -5
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
ELIGIBILITY
Part A & B
ESRD
6 months in service area
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
71. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
Formulary – Rx List
Tiers 1 -5
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
ELIGIBILITY
Part A & B
ESRD
6 months in service area
Election Periods
AEP: Oct 15 – Dec 7
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
72. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
Formulary – Rx List
Tiers 1 -5
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
ELIGIBILITY
Part A & B
ESRD
6 months in service area
Election Periods
AEP: Oct 15 – Dec 7
MADP: Jan 1 – Feb 14
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
73. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
Formulary – Rx List
Tiers 1 -5
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
ELIGIBILITY
Part A & B
ESRD
6 months in service area
Election Periods
AEP: Oct 15 – Dec 7
MADP: Jan 1 – Feb 14
SEP: common examples
Leave employer coverage
Moving out of area
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
74. HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
Formulary – Rx List
Tiers 1 -5
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
Part A
Part B
Most often
included
Part D
ELIGIBILITY
Part A & B
ESRD
6 months in service area
Election Periods
AEP: Oct 15 – Dec 7
MADP: Jan 1 – Feb 14
SEP: common examples
Leave employer coverage
Moving out of area
LIS
2 Ways
To Get Medicare
Inpatient Hospital Ins.
Outpatient Medical Ins.
Prem: $104.90/mo.
Part A
Part B
A
B
Rx – Prescription Drugs
[Stand Alone Plans]
Part D
Medi-Gaps
Original Medicare
Federal Gov’t
Medicare ADVANTAGE
Part C
75. Inpatient Hospital Ins.
Outpatient Medical Ins.
Ded. $1260/Stay (Benefit Period Day 1-60)
Prem: $104.90/mo.
Ded: $147/yr.
Co-Ins. You – 20% & Medicare – 80%
NF
100%
HMO – Get your care in Network
You choose your doctor
Low to No Monthly Premiums
Copays more predictable
PCP copays
Specialist copays
Outpatient Surgery
Worldwide Emergency Care
Additional Benefits
- Dental
- Vision
- Health Club
1. Review maximum cost exposure
Accumulation of copays
2. Review Recurring Costs
Doctor Visits
Lab Visits
Physical Therapy
RX Costs
Monthly Premium
3. Trial Right
Formulary – Rx List
Tiers 1 -5
$188/mo.
100%
K
50%
$57-mo.
$4940 MOOP
$128/mo.
Pt. B $147
Doc/$20 - ER/$50
[Doctor, Outpatient Surgery, Ambulance, etc.]
Part A
Part B
$104.90/mo.
Use only by permission from Senior Insurance Services of NCW, LLC. VRM
A
B
[Hospital, Hospice, Homecare, Skilled Nursing, etc.]
G
$158/mo.
Pt. B $147
Part A
Part B
Most often
included
Part DRx – Prescription Drugs
[Stand Alone Plans]
Part D
1% Penalty
Avg. $33.13/ mo.
Formulary – Rx List
Tiers 1 -5
[Monthly Changeable]
[Network: Any provider that accepts Medicare]Medi-Gaps
Original Medicare
Federal Gov’t
2 Ways
To Get Medicare
Medicare ADVANTAGE
Part C