Its Open Enrollment Season for Medicare Advantage-We Detail all the Options for 2024 Medicare Plans

Описание: Understand all the Options from United Healthcare, Blue Cross Blue Shield, Aetna, Cigna and Humana.

Ep 1929 Reviews all the plans, plan changes and some amazing new Coverage Options for 2024.

Medicare Open Enrollment is October 15th through December 7th, 2023 for the 2024 coverage season..

Our Certified Medicare Experts receive at least 40 hours of training to achieve AHIP Medicare Certification. Today joining us are Carolee Steele, Director of Medicare and Consumer Services at RPS Benefits By Design and Maria Ahlers, PHR, who has more than 19 years of experience in benefits administration.

Episode Excerpts:

Cary Hall: “Each year it is so important to review your Medicare health and drug coverage to make sure it's still fits your needs and finances, and this is a time if you want to make a change.
I can't emphasize that enough because we're going to give you some specific examples of changes that have been made, some of them good, some of them not so good to all the providers coverage for 2024 that you that you're going to want to know about. That’s the reason that Carolee says you need that review is to see if, hey, you know, what you've got is great, everything's fine”.
“So let's just start with comparing original Medicare to Medicare Advantage or original Medicare to Medicare Supplement. Let's just talk about that because you hear this all the time, ‘Well, I've got Medicare. I don't need to do anything else’".

Carolee Steel: “Oh, yes, you do”.

Cary Hall: “And why is that?”

Carolee Steel: “Medicare A and B and B only covers about 80% of all services. So, if you have $100,000 medical occurrence, you're kind of on the hook for that $20,000. And there is no out-of-pocket on that, which is really a scary thing”.

Cary Hall: “Okay. So let me translate that out to a little better for you to really understand. She's saying there's no cap. So, if it's 20% of 100,000 or if you had open heart surgery, it is 250,000, you get to pay 20% of that and believe me, the hospitals will pursue you to get that 20%. They're not going to write it off. They've got a very robust collection policy in every one of these hospitals. I don't care where you are. If you're listening to me in Largo, Florida, one of our newest affiliates here out in San Bernardino, California, or you here in the Midwest somewhere, these hospitals pursue this very seriously. So, Medicare A and B, yes, they cover a lot, but”.

Carolee Steel: “They cover a lot, but A covers hospitalization, skilled nursing, and hospice. B covers pretty much everything else, which would be your, you know, doctor's visits and your outpatient, you know, Durable Medical Equipment, echocardiograms. That's going to be your B service. And that's about 20% of, like you said, a heart surgery is quite a bit”.

Cary Hall: “They haven't changed the benefits or, Oh, by the way, do you know they've changed this particular benefit that's going to affect you dollars out of your pocket or access to care or prescription drugs or something else. So that's what we're going to do today. We're going to talk about that and we're going to bring that information to you so you can make a decision”.

RPS Benefits by Design can advise you nationwide for Medicare Enrollment, do a policy review and handle all insurance needs at 913-385-2224 & https://www.rpsbenefitsbydesigninc.com or   / rpsbenefitsbydesign  

I’m your host Cary Hall, America’s Healthcare Advocate and my goal is to enable you to become the expert for your own healthcare management, saving you time, money, and effort and you can message me at https://www.americashealthcareadvocat...