Enroll in Medicare with e-TeleQuote

Published On November 21, 2016 | By Carey Dotson | Business

If you are 65 years old, you will need to enroll or will be automatically enrolled in Medicare. e-TeleQuote, Insurance, Inc., an independent digital insurance agency, will help you explore, select and buy the insurance plan that best suits your needs.

e-TeleQuoteis headquartered in Clearwater, Florida, and provides consultation and enrollment services for Medicare Insurance Plans.  It represents Humana, United HealthCare,WellCare, Mutual of Omaha, Aetna and over 20 Blue Cross Blue Shield affiliates.  The company employs over 200 professionals, including 150 licensed and experienced insurance agents who help people in 50 states of America to make the best choices for Medicare health coverage.

Medicare offers two main plans to people aged 65 and above, and those under 65 with disabilities: Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C).  Some people also need additional coverage like Medicare Prescription Drug Coverage and Medicare Supplement Insurance also known as Medigap.

Parts A and Bcover hospital stays in full for 60 days, with affordable copays for any additional days.  Medical insurance is offered for 80 percent of all outpatient medical costs.  This includes medical tests, vaccinations, transportation for treatment purposes, medicines and equipment prescribed by the doctor.  The choice of doctors, hospitals, and other providers that accept Medicare, is available to beneficiaries.

Part C offers private insurance plans offered by private companies that are contracted with Medicare.  These plans offer additional coverage, on top of Part A and Part B benefits.  This extra coverage may include vision, hearing, dental, and/or health and wellness programs.  All Part C Plans also cover emergency or urgent care.

The Medicare Advantage Plans include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-for-Service Plans (PFFS), Special Needs Plans (SNP), HMO Point Of Service (HMOPOS), and Medical Savings Account Plans (MSA): Health Maintenance Organizations (HMO) allow beneficiaries to visit any physicians and hospitals in the HMO network; Preferred Provider Organizations (PPO) allow beneficiaries to seek treatment from practitioners in the PPO network. Others can be consulted for an additional fee; Private Fee For Service (PFFS) allows beneficiaries to use any doctor as long as the practitioner agrees to the terms of the PFFS.  The terms can be decided while choosing the plan; Special Needs Plan (SNP)assists people with disabilities and certain medical conditions for which customized plans are required.  This plan includes prescription drug coverage; HMO Point Of Service (HMOPOS) allows beneficiaries to designate an in-network physician to be their primary care provider, but beneficiaries may choose to go outside of the provider network for health care services; and Medicare Savings Account (MSA) allows beneficiaries to escape the cost of the monthly premium after the deductible is met.  This is done by maintaining a health care costs savings account for the user.

To enroll in a Part C, you must be enrolled in Parts A or B.  Medicare provides a fixed payment to the Advantage Plan to cover your Part A and Part B coverage.  There are usually additional copayments and deductibles, depending on the type of Part C Plan you decide to join.  This is because Part C Plans may differ from state to state for benefits and cost.  Different rules, which may change every year, regarding obtaining various coverages and services, also apply.

Advantage Plans are available to anyone enrolled in Original Medicare, with the exception of people suffering from End-Stage Renal Disease (ESRD).  For people with ESRD, an Advantage Plan is only available if they are already enrolled in one, or are already getting their health benefits through the same private insurance organization that offers the Advantage Plan.  They can also enroll in an Advantage Plan if they have had a successful kidney transplant, and qualify for Medicare benefits (based on age or a disability).

Medicare Prescription Drug Plan subsidizes the costs of prescription drugs for beneficiaries.  Most Part C Plans cover for prescription drugs, but if not, you can choose to enroll in a Prescription Drug Plan.  In doing so, you will be disenrolled from Part C and returned to Part A and B.

Each Prescription Drug Plan has its own list of covered drugs; hence each Plan will have a different cost.  Plans can change during the year within guidelines set by Medicare.  If the Prescription Drug Plan involves a change in a drug you are taking, it will provide written notice of the change and a 60-day supply of the drug under the same plan rules as before the change.

You may want to get coverage to help pay some of the health care costs that Plan A and B doesn’t cover, like copayments, coinsurance, and deductibles, in which case you can choose to buy a Medicare Supplement Plan from a private company.  If you are enrolled in Part C, you can’t use Supplement Insurance to pay for your plan costs, like copayments, deductibles, and premiums.

This is not a complete description of all the details of Medicare plans and coverage options.  For more information and for help to find coverage that best suits your needs, you can contact e-TeleQuote Insurance, Inc. e-TeleQuote is a well reputed company to consult for Medicare services: it was ranked at number 113 by Inc. Magazine in the Inc. 5000 Ranking in 2016. The company was one of only 20 repeat honorees among the top 150 Inc. 500 from previous years, and posted 2,908% revenue growth over the past 3 years.  Subsequently, it was ranked #2 in growth among all insurance sector companies nationwide; #4 in growth among all companies in the Tampa Bay region; and #10 in growth among all companies in Florida.

To find out more about the company, call a Medical Advisor, or to browse the various insurance options available, visit www.e-telequote.com.

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