Seniors

Medicare is a federal health insurance program for people 65 years of age or older. It pays for much of your health care, but not all of it, such costs could be, prescription drugs, deductibles, and coinsurance.

Understand the Medicare Basics

The better you understand Medicare and how it works, the better prepared you'll be to choose the plan that's right for you.

Medicare has four parts - A, B, C, and D

1. Part A (Hospital Insurance)
2. Part B (Medical Insurance) that covers doctor visits and outpatient care
3. Part C (Medicare Advantage Plans) are available from private insurers contracted with Medicare. You are eligible to enroll in an advantage plan if you have Medicare Parts A and B
4. Part D (Prescription Drug Coverage) is only available from private insurers through contracts with Medicare.

Your First Medicare Enrollment Period

If you are approaching age 65, you have a 7 month window to enroll in a Medicare Advantage or prescription drug plan. This window consists of the three months before your 65th birthday, the month of your 65th birthday, and the three months after your 65th birthday.

If you are employed and plan to continue working after your 65th birthday, talk with your company's benefit administrator. Find out how your current health plan differs from or works with Medicare.

If you are not 65 but you are disabled, you are eligible for Medicare after you have received disability benefits from Social Security for at least 24 months.

People who become newly entitled to Medicare should enroll during their initial enrollment period, as they turn 65. You can also enroll during the annual enrollment period from November 15, through December 31, each year.

An Overview of the plans we offer:

Medicare Advantage Plans

1. Help pay for hospital costs, doctor visits, and other medical services.
2. They may also include built-in Medicare prescription drug coverage (Part D)
3. Typically provide additional benefits like preventive care that Original Medicare doesn't cover.
4. Plan premiums are not based on age or health
5. Combine all benefits and services in one plan.

The Weibling Insurance Agency offers the Humana Advantage Choice PPO & HMO Plans, the Humana Prescription Drug Plans, and MedicareComplete from SecureHorizons.

Humana Choice PPO without Rx Plan R5826-018

     Monthly premium $0.

 Humana Choice PPO Plan R5826-005

     Monthly premium $95.

 Humana Drug Plans

Humana Gold Plus (HMO-POS) Plan H5426-002

     Monthly premium = $16.00

Humana Gold Plus (HMO-POS) Plan H5426-008

     Monthly premium = $0. Part B - $29.50 

Humana Gold Plus (HMO) Plan H5426-019

     Monthly premium = $0.

United Healthcare Complete Choice Plan 2 R5287-001

     Monthly premium = $0.

Medicare Supplement Plans

1. Additional coverage beyond Original Medicare to help fill in the gaps in Medicare Parts A & B.
2. Help reduce or eliminate money paid out-of-pocket for care received (deductibles, co-pays and coinsurance).
3. Freedom to choose any doctor that accepts Medicare (National Coverage).

The Weibling Insurance Agency offers Medicare Supplement Insurance insured by United HealthCare Insurance Company.

United Healthcare supplement brochure 

United Healthcare Rx Highlights 

Monthly premiums for Plan F in zip codes 341-- and 339--

.

Issue age 65     $165.50              $182.05

Issue age 66-69 $179.25              $197.17

Issue age 70-74 $199.75              $219.72

Issue age 75-79 $217.50              $239.25

Issue age 80+   $237.75              $261.52

Eligible due to

disability (50-64)$391.00              $430.10

Every client has different needs. Many times the choice between selecting an Advantage Plan versus a Supplement plan comes down to which plan is more affordable. A supplement plan has higher monthly premium cost with little or no out-of-pocket cost at time of claim. An Advantage plan offers premium savings now with higher out-of-pocket cost (deductibles, copays and coinsurance) when medical services are needed.

For more information or to get a quote, fill out our online Medicare quote form.