Enroll During the Open Enrollment Period of Medicare

Enroll During the Open Enrollment Period of Medicare

Due to the 2010 Medigap modernization law, which was implemented on June 1, some modifications were made to the current Medicare supplementation plans. These changes do not affect those who benefit from the Medicare open enrollment period. If you qualify for Medicare this year, there are some beneficial options available for you. But if you have part A and B of Medicare, you have much more options with the open enrollment period, which runs from October 15 till December 7.

If you enrolled for Medicare, you’ll have the option of choosing a Medicare Advantage plan, maintaining your original Medicare plan, selecting a prescription plan and a Medicare supplement, or maintaining your original Medicare plan and a Part D prescription drug plan. Medicare has part A, B, and C. Part D is the prescription drug policy. During the open enrollment phase, which lasts until December 7, you will have several options to make the desired changes and make sure you have the plan that best suits your requirements.

Here are some areas to consider when making the best choice for you such as 2020 Medicare advantage plans comparison which can be reviewed at www.medicareadvantageplans2020.org so visit for the best advice. Your original Medicare plan has several franchises and harvest items that can have a negative impact on your bank account if you have a serious illness and need to stay in the hospital for some time. This is where a Medicare supplement plan can save you from those terrible economic situations. Keep in mind that if you choose a Medicare Supplement plan, each provider will have to offer the exact same plan in accordance with the law. Do not pay attention to the name of the company, but consider the cost of the plan and the letter designations (plans A, B, C, D, F, G and K) and the coverage of each plan.

If you are sure you choose a doctor in a network and you are not looking for a Part D prescription drug plan, a Medicare Advantage plan may be best for you. For most Medicare beneficiaries, the main negative factor in the Medicare Advantage plan is that if you have a doctor with whom you are familiar and your doctor is not in the network, you will have to change. However, if you are concerned about keeping your medical care costs low, it is best to select a doctor in a network.

If you choose a Medicare Advantage plan, you can have a small monthly premium, depending on your income and the benefits you choose. However, it would be small compared to the monthly Premium Medicare Supplement Plan. You can also choose a Medicare Advantage plan without the Part D Plan if you already have a Part D plan and simply opt for a separate Part D plan. Take some time to carefully examine your options. Finally, after December 7, you will have the opportunity to return to Original Medicare and a Part D Independent Plan before February 15. This open registration period is an important time for you, as a Medicare beneficiary, to carefully review your decisions.

Features and Benefits of Plan C


The Plan C is a very popular Medigap plan. It provides all the benefits and coverage of the Plan F with the exception of not covering the excess charges under the Original Medicare Part B. The key features and benefits of the Medicare Supplement Plan C and its suitability to the customers are provided below:


Features of Plan C

The Plan C covers the entire cost pertaining to the Medicare Part A coinsurance. It covers the Medicare Part B coinsurance and copayments. The customers are also covered for up to the first three pints of blood for medical procedures. The customers are provided 100% coverage pertaining to Part A hospice care coinsurance and copayments. It covers the coinsurance for medical care provided by the skilled nursing facility (NCF). The Plan L of the Medicare Supplement plan covers 100% of the Medicare Part A deductible. Plan C along with the Plan F is the only plan to cover the deductible for Medicare Part B. The 2019 Medicare Supplement Plan C also provides coverage against international healthcare expenses. It covers the customers during overseas travel and provides 80% of the total emergency healthcare expenses when the customer travels to foreign country. The customers need to pay a deductible of $250 before availing the benefits of international emergency healthcare expenses.



The Medicare Supplement plan C does not cover the Original Medicare Part B excess expenses. The Medicare has fixed rates for different Medicare-approved services. If a doctor does not accept Medicare Assignment, then as per law, he/she can charge a maximum excess of 15% over the Medicare-approved rates. The policyholders of the Medicare Supplement Plan C have to pay the excess Part B expenses as out-of-pocket expenses.


Is it Suitable for Customers?

The Plan C is the most popular Medicare Supplement plan in the United States after the overwhelming favorite Plan F. In the year 2014, 10% of the total Medicare Supplement plan sales consisted of Plan C. It is one of the most comprehensive Medicare Supplement plans providing complete coverage against copayments, coinsurance, and deductibles. The Plan C is suitable for customers who would be needing intensive and frequent medical care. The Plan C provides peace of mind to the customers and they do not need to worry on any out-of-pocket expenses except for the Part B excess charges. The Plan C monthly premiums are on the higher side, but if the customers can afford it, then they can definitely opt for Plan C which will provide them comprehensive coverage.

Features and Benefits of Plan L

Features and Benefits of Plan L


Plan L of the Medicare Advantage plan is a cost-sharing plan, which means that the benefits are not fully covered. It covers 75% of most of the out-of-pocket expenses and the remaining 25% has to be paid by the policyholder themselves. The cost-sharing under the Plan L is considerably higher than most other plans, meaning the customers of the Plan L will have to bear greater out-of-pocket expenses. Since the cost-sharing is higher, the Plan L has a lower monthly premium than other Medicare Advantage plans. The details of the features and benefits of the Plan L and its suitability for customers are provided below:


Features of Plan L

The Plan L covers the entire cost pertaining to the Medicare Part A coinsurance. It covers the Medicare Part B coinsurance and copayments. The Medicare Part B pays for 80% of the Medicare-approved amount for the covered services. The Plan L being a cost-sharing plan covers 75% of the remaining 20% Part B copayment. The customers are also covered for up to the first three pints of blood for medical procedures. It provides coverage of 75% related to the Part A hospice care coinsurance and copayment and 75% of the coinsurance for medical care provided by the skilled nursing facility (NCF). The Plan L of the Medicare Advantage plan covers 75% of the Medicare Part A deductible. It, however, does not cover the deductible for Medicare Part B.


Out-of-Pocket Limit

The Medicare Advantage Plan L has a yearly out-of-pocket limit. This means that as the customers hit this out-of-pocket limit, they are provided 100% coverage of the benefits and they not need to pay any additional benefits. The out-of-pocket limit for the year 2018 is $2,620, provided the medical expenses are for Medicare-covered services. This out-of-pocket limit is inclusive of the deductible for Original Medicare Part B ($183 for the year 2018). Once the customers reach their out-of-pocket limit, then the Plan L pays 100% of the Original Medicare costs that it is required to cover for the remainder of the year.


Is it Suitable for Customers?

Plan L is not a popular Medicare Advantage plan in the United States. As per the data of 2014, only 16% of the total insurance carriers sold the Plan L and a mere 0.5% of the total Medigap policies sold in 2014 consisted of Plan L. It is a basic health coverage plan with modest monthly premiums. It can be suitable for customers wanting an affordable plan with basic health coverage and who are fine with the annual out-of-

Features and Benefits of Plan K


Plan K of the 2019 Medicare Supplement plan provides basic healthcare coverage at a reasonable monthly premium to the customers. With the exception of the Medicare Part A coinsurance and hospital costs for a year, it covers 50% of the other expenses. The Plan K has a high out-of-pocket expense for the customers, thus it has a low monthly premium. Some of the key features and benefits of the Plan K of the Medigap are provided below:


Features of Plan K

The Plan K covers the unmet expenses of Original Medicare Part A and Part B. It provides basic health coverage at an affordable monthly premium. The Plan provides partial health coverage by providing 50% of many Original Medicare deductibles and copayments. The Plan K covers all the Medicare-approved Part A coinsurance and costs up to 365 days after the Medicare benefits are exhausted. It covers 50% of the total expenses towards- Medicare Part B coinsurance and copayments, the first three pints of blood for medical procedures, skilled nursing facility (SNF) coinsurance, and Medicare Part A deductible, and Medicare Part A hospice care coinsurance or copayment.


Out-of-Pocket Limit

The Medicare Supplement Plan K and Plan L are the two plans which includes an annual out-of-pocket limit. Under the Plan K, the yearly out-of-pocket limit is $5,240 in the year 2018. This out-of-pocket limit includes the deductible for the Original Medicare Part B. Once the customers have reached their out-of-pocket limit for the year, then the Plan K will provide 100% coverage towards the Medicare-covered costs. It is important to note that the annual out-of-pocket limit for the Plan K is about twice the amount for the Plan L.


Is it Suitable for Customers?

Plan K is not a very popular plan among the customers. According to the year 2014 data, 16% of the Medigap insurers offered the Plan K and only 1% of the total Medigap policyholders purchased this plan. The yearly out-of-pocket expenses is useful if the customers want to be protected against high out-of-pocket costs due to chronic health conditions which require ongoing medical care or to meet any unexpected medical emergency. If the customers want a plan with lower annual out-of-pocket limit after which they will be covered by the plan benefits, then they can choose Plan L which has about half the out-of-pocket limit. If the customers have a high medical expenses and they would prefer higher coverage then they can opt for other Medicare Supplement plans providing more comprehensive coverage.

Things to keep in mind when choosing a Medical Care Insurance Plan

Health insurance is becoming a popular government program. Every year, millions of citizens become part of this plan to cover rising healthcare costs. The things to consider when making a choice include:

  1. Decide if you want the original plan or the advantage plan
  2. Decide if you want coverage for prescription drugs

iii. Decide if you want extra coverage

To add value to your money, you can buy a supplementary plan from a leading insurance company. The things to keep in mind when choosing a plan are:

  • The employer’s plan is not always the best deal

If your employer offers health insurance, you can get it for a reduced price or even for free. This option allows you to purchase a group plan. This is especially helpful if your health is bad or you already have a previous illness. However, if you lose your job, you cannot continue under the group coverage. However, if you are in good health, it is best to buy your own plan. A group plan is often based on the average health status of the group. As a result, you can find cheaper plans or plans with more benefits at competitive prices when your health is above average. https://www.medicaresupplementplans2020.com/

  • Your healthcare provider may not be insured

If you are thinking about keeping your current doctor, find out if they are covered by a plan that you are considering. Some of the coverages are most restrictive and limit the number of insured to healthcare providers in their network. Other plans allow you to access services outside the network, but for a higher fee. Other plans are hybrid and offer policyholders the ability to pay additional fees for access to services outside the network – only after receiving recommendations from a physician on the network.

  • Cover for prescription drugs

Just as some plans do not cover all doctors, not all benefits are covered. This is especially true for certain medications, “extras” such as pregnancy covers and alternative practices such as chiropractic. Remember, you may not be able to add maternity insurance to the plan if you remember having children. You need to determine the prescription medications you are taking and find out if they are included in the plan. Therefore, before you select a plan, you must determine all restrictions and exceptions.

Make sure you understand the pricing structure of the policy you are considering. If policies that you compare use different price structures, a policy that could cost you less today could be more expensive, as there are a number of variables that can affect the premiums.

Also, be sure to understand exactly how your policy works, what it covers, and how rewards may change in the future. You may want to use the State Health Insurance Assistance program, where you live, to answer specific questions that you have about Medicare supplement guidelines. You can also visit www.Medicare.gov for more information and a free, helpful booklet titled “Selecting a Medigap Policy.” Planning for retired health spending can be very complex and daunting, so consider working with a financial professional who can help you review your choices and determine what suits your personal goals and financial situation best.


Research Medicare Coverage: The Do’s and Don’ts

What comes first when you turn 65 or the first time you get Medicare are the hours you will inevitably spend researching your complementary health insurance online. I admit that decoding advertising from the objective information can be difficult, as well as finding a knowledgeable, unbiased agent to discuss your concerns and issues. If I am in a position to give advice to a newly signed up Medicare participant, the following would be the tip I would recommend to them.

Let me go back to the beginning. Before you switch on your computer, take a moment to admit one thing to yourself: you need to spend time researching and learning if you want to get the winner out of this situation. This article will help you prepare for the most efficient and responsible way to buy Medicare supplementary insurance. There is no quick fix here. Okay, now that we’ve faced the music, let’s start. Enroll for a 2020 supplement plan at https://www.medisupps.com/medicare-supplement-plans-2020/

Step one: Read, take notes and find out about Medicare. I talk to people who have never visited the Medicare.gov website and rely on agents to give them objective, accurate information. That’s a big no, no! You should never rely on just one person, especially a person who works independently of Medicare. There is a section called “Publications” on the Medicare website, and this should be your first port of call … before you ever talk to an agent. The better informed you are, the easier it becomes to spot a good agent from a lousy one, to understand Original Medicare and what it covers, which will help you better assess what you need to supplement. The coverage of this base will eventually give you a sharper eye as you begin to scout for coverage.

Second step: After reading the Medicare.gov website, take a moment to look at your health and financial situation. What do you need and how much do you want to spend each month? You may have to do a little financial planning – in fact, meeting with a financial planner about your concerns is a smart thing to do. The reason why I ask you to consider these two questions before you talk to an agent is simple: you need to know what you want / need before you sign up for something an agent sells.

Third step: Let’s say you’ve completed your planning and are ready to purchase a Medicare supplement or sign up for Medicare Advantage (Part C). The next information I give you is for research agencies.

Fourth step: All right, you are now informed and you know what you want, and you have done some research to find a good and competent agent who will assist you. In my professional opinion, you are ready to talk one-on-one with an agent. But wait, why is that necessary? Two things; most agents have a sound knowledge of what they’re talking about, and secondly, they can help you shop by looking at different policies in your area. That’s why it’s important to find the right agent.


What are the Medicare Supplement Plans F and G?

What are the 2019 Medicare Supplement Plans F and G?

The Medicare supplement plan F and G are standard insurance plans that are used to provide facilities to cover the Medicare cost gap. The Medicare plan F is quite different from the plan G. Both the plan has different cost coverage area in their insurance terms and conditions. In this article, we clear you the details of Medicare supplement plans F and plan G. Let’s have a look at their description.

Medicare Supplement Plan F:

The plan F is considered the richest plan of Medicare supplement plans. The plan offers the coverage of several health care costs such as

  • The plan F covers the hospice and coinsurance payments included in part A and Medicare part A deductibles. Part B coinsurance, deductibles, and the part B excess charges also come under the plan F’s coverage area.
  • When you get the blood it will pay for the 1st three pints of used blood that you get for your treatment. The various nursing services and the healthcare insurance are also paid by the Medicare supplement plan.
  • This will also cover the services that you get outside the plan’s coverage area such as outside your home or city that are covered in the plan area.

medicare 2019 supplement plans

Medicare Supplement Plan G:

The plan G also offers all the facilities that are covered by the plan F. The only service that it does not cover is the deductibles of part B. The deductible amount of part B is included in your in pocket expenses because you have to pay these cost yourself. It will cover the excess charges of Medicare part B like the plan F.

The excess charges are the extra costs that are charged by the non-participant services provider. The amount of these charges is up to 15% over the approved Medicare costs and this is your responsibility to pay these extra charges when you are running the plan G.


As we know both the plans cover many services but when you want to get the benefits of these plan for paying the costs related to the prescription drug then they are not useful. For this facility, you have to get another Medigap plan for prescription drug coverage of your medications.

Although the plan F and plan G are still good and work with original Medicare plan enrolment. You can get similar benefits from these two plans but the plan F will help you to pay most of the costs related to original Medicare.

What is the AARP Medicare Advantage Plan?

What is the AARP Medicare Advantage Plan for 2019?

What is a Medicare advantage plan? Are you worrying about your Medicare advantage bills? Then leave your burden from your mind. The solution to this problem is now available. The Medicare advantage plan will help you to pay for all your medical related costs and make you totally pressure free.

The Medicare advantage plan is provided by the insurance companies that are servicing healthcare related insurance plans. You can choose the plan with the help of your insurance consultancies called the insurance agent. He will describe to you all the terms and conditions of the plan, pay rates, eligibility criteria and the amount.

There are a number of Medicare advantage plans but you can choose according to your need. Decide what kind of plan you want to adopt? And fill the form and it’s done. A Medicare Advantage Plan is a way of saving money for your health care. This will help you to cover special health care services that are not covered by the original Medicare.

It is offered by private organizations that provide insurance services. You can adopt a Medicare advantage plan for paying your all medical and hospital costs. This covers all coinsurances, co-payments and the yearly payments deductibles gaps. The Original Medicare Advantage Plan will pay your Medigap policy funds and help you to fill the gap of costs.

While choosing a plan always check all the terms and conditions at first. Also, check the limit of time for the policy and the amount of installment you have to pay. You can choose monthly as well as yearly installment sessions according to your convenient. Look at the plan types to select the best fit for your need. Read out the whole policy description and then adopt it by signing the form.

Be careful of the fake insurance policy companies. Maintain your budget so that you can pay its installments for saving your cash. These saved funds will be helpful for you for paying your payables for the medicinal purpose.


So this is the meaning of Medicare Advantage Plans. If you want to be free from the tension of paying large hospital bill then this is a good way to achieve this goal. Check your eligibility for the plan, select and that’s it. They will help you to pay 80% of your medical costs for clearing the gap.

May this context is helpful for you, in improving your knowledge about the Medicare Advantage Plans.


The AARP Medicare Advantage Plan

The AARP Medicare Advantage Plan in 2019

The plan L is another plan offered by Medicare advantage insurance policies. This is another plan that covered the partial costs that are not under the coverage area of the original Medicare plan. It has also low-cost monthly premiums like the plan K. In this context we deliver you the basic information related to the plan L its coverage area, rates, and the enrollment eligibility. Check the information for deciding if the plan L is a good option for your requirements or not.

Coverage Area of Medigap Plan L:

The plan L covers the list of healthcare services that are under the federal guidelines. This will cover the 75% of the costs related to Medicare services. It includes the co-insurance payments that are not covered in Medicare part B. It will pay for blood pints such as first 3, the hospice care that is not under the Medicare part A, co-insurance for nursing service and the deductibles that are not in the Medicare part A.

The deductibles that are out of Medicare part B are not covered in Medigap plan L. The costs for health insurance during any travel condition are not paid by the plan L. When the plan reaches on the limit of annual deductibles of part B it will cover the 100% costs of the various included services.

Eligibility and Rates:

It will accept the application of senior citizens of age 65 or more. You can get this plan even when you’re having a pre health condition plan.  They will provide you the time of 6 months for closing your previous Medicare advantage plan before applying for the plan L. In costs or rates it will cover first 75% and 100% after the end of time limit. It has lowest premium costs than the other plans but the prices can be changed with the time.

Enrollment Time:

The application for covering you are Medicare services is acceptable form the first day of the month when you be in your age of 65 and the time for acceptance is under the 6 months after applying. The plan L is a good option for the seniors who want to cover partial costs. You can apply only during the open enrollment time limit. After the limit passes, you are not able to enroll in the plan but the enrollment period according to the nation rules is allowing the senior, to apply for the plan even after closing of enrollment time. When you are moving to another place then you can submit a special application for having your plan related to health care and Medicare advantage services.

In this way the Medicare plan L will help you in your retired age to cover the initial health care costs by paying them partially.


What is the Medicare Supplement Plan K?

As you know there are many plans offered by Medicare supplement insurance and they are named with English alphabets such as A, B, C, and many others. The plan K is one of these offered Medicare supplement plans. When you are searching for plan that will cover the basic original Medicare costs and have low cost then plan K is perfect for you.

Many older adults enroll in Medicare supplement plans for 2019 to help in paying the percentage of its various covered benefits. It does not cover the costs of co-insurance and hospital payments that are covered under the Medicare part A. This plan helps you to pay the higher out of pocket costs that come under the policy. This plan has another benefit that it has a lower premium cost than many other Medigap plans.

When you reamedicare supplement plan for 2019ch the end of your out of pocket limit the plan K will cover 100% of your Medicare costs for the remaining year. This plan is quite helpful when you are suffering from a chronic disease and require long-term Medical care. It is also helpful in the time of unexpected medical condition of emergency.

Coverage Area of the Plan:

The plan K helps you in partial coverage of original Medicare payments that are out of pocket. It will cover 50% of part A deductibles, hospice-care, co-payments, nursing facilities costs, co-insurance of part B, and the costs used for the first 3 pints of blood.

The part B excess charges are not included in the Medigap Plan K but it will cover up the costs of part A for the additional 1 year when the Medicare facilities are expired or reach at its time limit. As it does not help in covering the excess charges then you have to pay the extra costs charged by your hospital facilities or other healthcare departments from your pocket.


So this is the description of Medicare supplement plan K. You can adapt this plan when you want to cover your basic requirements of original Medicare costs. Due to low-cost premiums, you can easily manage your budget for your health care cost saving. It will help you in critical health situations even after the Medicare plan is exhausted. Suffering from a bad health condition and having on-going medical treatment can cause you financial loss but the plan K will help you to resolve this issue easily.