Oklahoma Insurance Solutions specializes in Medicare Supplementand Longterm Care insurance. People who are within 6 months of their 65th birthday and who will qualify for Social Security can go and sign up for Medicare Part A and Part B. This becomes effective the first day of the month they turn 65. Part A is free and covers hospitalization and some skilled nursing benefits. Part B costs $96.40 per month and covers outpatient procedures, doctor's office visits preventative services and durable medical equipment. Part A and B together is a good medical plan, but there are gaps..........hence Medicare Supplement plans or Medigap policies. To be able to get a Medicare Supplement plan, you must be enrolled in Medicare Part B. There are a number of supplement plans to choose from, but the most important thing to keep in mind is this: If you enroll in Medicare Part A and B, you can get a supplement plan without answering any health questions if you apply in a 7 month window around your 65th birthday............the 3 months before your birthday, the month of your birthday and the 3 months following your 65th birthday. This is the absolute best time to get a Medicare Supplement plan, because it is almost guaranteed issue.
Please feel free to contact Oklahoma Insurance Solutions for a free consultation to learn more about Medicare and Medicare Supplement plans. 580-355-6061
seth@oklahomainsurancesolutions.com
SETH CALLEN
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A great advantage to having Medicare & a Medicare Supplement plan is the freedom to choose your doctors.
My father dediced to go with an HMO type plan with a primary care physician. When he started having back aches he thought he pulled a muscle and was just dealing with it (he didn't like going to the doctor). When the pain persisted for several months he finally went to his primary care physician who promptly gave him a muscle relaxer and told him he was getting old (66). When the pain continued - even after using the pills, seeing a chiropracter, etc - he returned to the primary care physician for a referral. That dr. wouldn't give him one on the basis this was a normal part of life.
Dad decided to see another dr and pay for it out of pocket. The diagnosis was stage 4 cancer that started in his lungs and had spread to the bones in his back.
He had to jump through a bunch of hoops including returning to the primary care quack to get a referral so the treatment could be covered.
My point is, know what your preferences are, and what the guidelines are. An HMO can be the right choice for some people, but I prefer to have the freedom to choose ANY doctor at ANY facility.
Rick