Medicare Supplement leads are information packets purchased from companies that give information about patients that will soon be eligible for Medicare. These companies track personal data about individuals and then sell them to interested insurance companies.
Please explain your question more thoroughly if my answer does not suffice. I am unsure of what you mean by Medicare Carve Out Coverage. You can buy a Medicare Supplement at any time once you have received your Medicare Part A and Part B. If you do not enroll within 6 months of your Part B effective date you would be subject to underwriting. You can not join a Medicare Supplement if you already have a Medicare Advantage Plan as this is not allowed by Centers for Medicare. You would be required to drop your Medicare Advantage Plan prior to the Medicare Supplement effective date. If you had coverage through an employer, you would not need Medicare Supplement coverage as your employer coverage would be primary and then Medicare would be secondary for your out-of-pocket costs covered by Medicare.
Several insurance companies offer Medicare supplement plans.
If you have a Medicare Supplement then the provider will bill Original Medicare first. At that time Medicare will pay the allowable amount and then return an explanation of benefits stating the beneficiary's portion. Based on the Medicare Supplement Plan that is in place (A-N) the Medicare Supplement will pay a portion or all of the remaining amount due. If they pay only a portion based on the plan (A-N), then according the plan guidelines, the beneficiary would pay any outstanding amount at that time. If a Medicare beneficiary is covered on a employer or retiree group plan and due to the size of the plan, the group plan is primary, then the group plan benefits will apply first and any amounts due by the Beneficiary will be billed to Medicare second. If it is a Medicare covered service, then Medicare will pay the remaining amount due as the secondary payor up to the amount allowed by Medicare. If the service is not allowed by Medicare, than the beneficiary's co-insurance or co-payment under the group plan would be their responsibility.
Yes. It depends on what is covered in your Medicare plan. There are supplemental insurance programs, like MediGap and other additional options provided either by Medicare itself, or by your own choice of providers. This answer is correct for the most part, but you don't HAVE to have a supplement when you have Medicare. It is up to you. Most people wouldn't go without a supplement. These nifty little plans can cover your deductibles and coinsurances that Medicare leaves for the patient. If your claim is high dollar, you could find yourself in trouble trying to figure out how to pay your portion of the bill. Also, Medicare itself doesn't offer any supplemental insurance. You have to shop for yourself and decide which sounds like it would help you the most. Part D supplemental coverage is for prescriptions. Medicare does not cover any prescriptions. You have to figure which drugs you are presently taking and then find a supplement that will cover most of those drugs. If your prescriptions radically change over the year, you may want to shop for a new Part D supplement when it's the time of year to add, delete or change your supplements or even purchase a Medicare Replacement Plan. Many, many choices.
I would not trust a supplement to do this. I would make an appointment to see the doctor and explain what goals you want to acheive and they will be more than happy to explain what you need,
Absolutely... the supplement will feed the body's shortage of the vitamins and minerals it would normally get from eating meat & dairy products.
We have Medicare and added on Anthem. Does that mean Medicare is primary (Paying 80 percent) , and Anthem is secondary?
Leads generation marketing is generally advertising in order to gain a database of people who may be interested in a product or service. This can also be achieved through referrals, telemarketing and other methods.
Best place to look would be medicare.gov. It is the official government medicare site.
The answer to this question depends on what kind of secondary insurance you have - is it a group health plan? Is it a supplement? If Medicare is primary, there are still deductibles, copays, coinsurance that would need to be satisfied by your secondary insurance. Based on your question, I'm assuming that you have a group health plan with a copayment as your secondary insurance. If so, then yes, you would pay your copayment but it would not exceed the part B deductible.
I would try to call the companies and explain your situation and they will offer medicare or other discounts if you qualify.
If your elderly grandparents are on Medicare or qualify for services and they would medically benefit from having a lift chair then Medicare will help pay for the chair.