GRAND BLANC, MICHIGAN
MEDICARE INSURANCE PLANS, ADVISORS AND OPTIONS:
If you are looking for Medicare options in Grand Blanc, Michigan you have found your local Medicare insurance agent! If you are new to Medicare, our expert advisors can show you the pros and cons of the different types of Medicare plans available in Oakland County, Michigan. If you have been in Medicare for sometimes we have been able to help many improve their coverage to better align with their individual healthcare needs.
As of today there are approximately 61 different Medicare Advantage plans in Genesee County, Michigan from insurance companies like: Aetna Medicare, Ascension Complete, Blue Care Network, Blue Cross Blue Shield of Michigan, HAP, Humana, McLaren Medicare, Molina Healthcare of Michigan, Priority Health Medicare, Reliance Medicare Advantage, UnitedHealthcare, Wellcare and Zing Health.
For 2022 Genesee County has 23 different prescription drug plans from companies like: Aetna Medicare (Silverscript), Blue Cross Blue Shield of Michigan, Cigna, Clear Spring Health, Elixir Insurance, Humana, Mutual of Omaha Rx, UnitedHealthcare and Wellcare
There are 12 Medigap plans offered in Michigan. Medicare Supplement (Medigap) plans are standardized. The are identified using letters. The plans offered are: Plan A, Plan B, Plan C, Plan D, Plan F, Plan F-HD, Plan G, Plan G-HD, Plan K, Plan L, Plan M and Plan N. These various plans are offered by many different insurance companies. Med Plan Advisors works with many of these insurance companies in order to find our clients the most suitable plan for their needs and budget and we would be happy to help you.
Remember if you are New to Medicare or a seasoned Medicare beneficiary, we are happy to review options and see what might be available to you. Either way, we’d like to run through a quick course on what your options are and how a Medicare advisor can help.
Medicare and It's Parts
To start, Medicare has several parts or components that when brought together to provide you with a comprehensive medical coverage. You may not need to enroll in every one of these components, you do need to know what coverage each piece offers so that you can choose how to get the most of your benefits.
Medicare Parts A and B
Parts A and B is what is known as “Original Medicare.” Part A is referred to as hospital insurance. It will help pay for your room and board costs during a hospital stay and short term skilled nursing facilities. Many beneficiaries receive premium-free Part A. As long as you paid Medicare taxes for ten years or forty quarters, you will not pay a monthly premium. However, there is a deductible. The current deductible is $1556 per benefit period. A benefit period begins the day you go into a hospital or skilled nursing facility and then restets when you have been out for 60 days in a row. If you go back into the hospital after 60 days, then a new benefit period starts, and the deductible happens again. Your coinsurance costs with Part A will depend on how many days you stay in the hospital. For the first 60 days, you have no coinsurance costs. But that changes after the second stay.
Part B of Medicare is knowns as your medical or outpatient insurance. As the name implies, it covers many outpatient services such as visits to your doctor, surgeries, diagnostic tests and images, durable medical equipment (DME), and many preventive services. Part B does have a base monthly premium of $170.10. This is the current rate for 2022, and it is subject to change each year. While most beneficiaries pay this amount, some pay an adjusted amount called the Income-Related Monthly Adjustment Amount or IRMAA. You will pay IRMAA if your income is above a certain threshold. The Part D deductible is currently $233 and unlike the Part A deductible, the part B deductible is applied annually. Once the deductible is met, most of your outpatient expenses will be covered at approximately 80%.
Genesee County, MI
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