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Connect One Health is your expert at guiding you through the Medicare health plan maze. We are here to help you understand your choices and answer all of your questions about Medicare, Medicare Advantage, and the Prescription Drug plans. We can help you with questions about Supplemental Insurance, and Medicare B. We are patient, and we explain things in plain English.

There are several ways to contact us. You can call us toll free at 1-877-766-4448 to talk with one of our helpful professionals. You can also chat live with one of professionals through our Internet Chat link. We are here to make this easy for you. Contact us today.

Questions? Call Us at 1-877-766-4448

Our staff is ready to answer all your questions.

Medicare: Basics

Quick FAQ

What is Medicare Supplemental Insurance?Medicare Supplemental insurance is also called a Medigap insurance policy. It is a secondary insurance that is only offered to those people who have Original Medicare Medicare part A and B. Medicare Supplemental Insurance helps to cover medical expenses that Medicare part A and part B do not cover.

Those would include things like co-payments, deductibles and other out of pocket expenses. Medicare Supplemental Insurance DOES NOT work with:

  • Medicare C
  • Medicare D
  • Veterans’ Administrative Benefits (VA Benefits)
  • Private Insurance
Medicare Supplement Insurance is sold by private insurance companies and it is highly regulated by both State and Federal laws. Plans are Labeled as A, B C, D, F, G, K, L, M and N. Each letter represents a different type of plan. Each lettered plan is always identical regardless of who is selling it. So every Medicare Supplement Insurance plan G is identical to every other Medicare Supplement Insurance plan G, but they are different from other lettered plans such as K, L, and F.

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Things to look for would be cost between plans that are the same, all the plan G’s. look for differences between plan types. For example how does plan F differ from plan D. Some states offer Medicare Select programs that are like an HMO. You only go to doctors and hospitals that are within the network. Those states are Wisconsin, Massachusetts, and Minnesota.

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Medicare B: Do I need to enroll in it if I am still working?You do not need to enroll in Medicare part B if you or your spouse are still working and are covered by a health plan that is issued through your employer, your spouses’ employer, or a union. This only works though if the health plan that is offered by your employer, spouses’ employer, or union is the primary payer for healthcare expenses. You will still need to enroll in Medicare B if Medicare A is going to be the primary payer.

You can talk with the employer’s healthcare plan administrator to see if their healthcare coverage will be the primary payer or the secondary payer. Businesses with less than 20 employees are deemed small businesses and Medicare A is usually the primary payer. Clear up any questions about what you should do before your enrollment date. If you are not enrolled in Medicare part B and you need to be you will be penalized.

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Medicare vs Medicaid: What is the Difference?The Difference between Medicare and Medicaid is really about who is involved. Medicare is a Federally sponsored health plan while Medicaid is a Federal and State sponsored Health Plan. Medicare is available for qualifying people who are aged 65 or older or those people who have suffered a qualifying disability for more than 24 months. Medicaid is available to people who have limited income and limited resource.

Those people may be children, women who are pregnant, seniors with low incomes, parents, and people with disabilities. In some cases, an individual may be eligible for both Medicare and Medicaid. When that happens Medicare is the primary payer and Medicaid helps to cover medical expenses after Medicare has paid. Note: Rules differ from State to State about qualification for Medicaid and dual beneficiaries.

Learn more about the differences between Medicare and Medicaid here!

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What is Medicare?Medicare is a health insurance plan that is owned and managed by the Federal Government. Medicare is found within the Department of Health and Human Services and managed by the Centers for Medicare and Medicaid Services.

Medicare is a government sponsored health program that most people automatically qualify for once they reach the age of 65. Medicare is also used to support medical insurance for people with qualifying disabilities and who are younger than 65 years of age.

Medicare is divided into four categories. Those are Medicare A, B, C, and D. Medicare A covers inpatient services like hospitalization. Medicare B works in conjunction with Medicare A to cover outpatient services such as doctors visits and therapy visits. Medicare A and B are often called “Original Medicare.”

Medicare C is Medicare A and B but managed by third party health systems such as Kaiser. Medicare D is the prescription drug coverage that goes along with Medicare A, B, and C. Most Medicare C plans come with a variation of Medicare D. Medicare C is also referred to as Medicare Advantage.

To qualify for Medicare you need to have worked and paid into the program for a certain amount of years. If you have not qualified by working, you may still be eligible for services, but the penalty is a higher cost each month.

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