Born in 1955? Then This is the Year for Medicare

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If you are over age 64, I bet your mailbox is filling up with a ton of junk mail in reference to Medicare. If you started reading that junk mail, then you could be more confused than ever before.

How would you like a step by step guideline on what you should do (and when to start) so that by the time you turn 65 you are enrolled in the right plan for you? Just give me a call and I will gladly email you a list. In the meantime, here are some ideas to get started understanding Medicare.

First, you need to enroll in Part A and Part B up to 90 days prior to your birthday (Example: if your birthday is in July, then you can enroll in Part A & Part B April 1, 2020). You will need both Part A & Part B to be eligible to enroll in either Medicare Supplement or Medicare Advance. Once you receive your Medicare card in the mail (it will be red/white/blue), then you can enroll in either Medicare Advance or Medicare Supplement. (Call me and I will go over the difference between Medicare Advance and Medicare Supp. and give you the pros and cons to both).

Do yourself a favor: Even if you don’t talk to me, please talk to a Health Insurance professional who can advise you on what your options truly are! This is the one time in your life that you do need a professional to help you choose wisely, because you only have one shot at this.

EXAMPLE: If you are dealing with Cancer, had a heart attack, or any major medical issue, then this will be the ONLY time in your life that you will qualify for Medicare Supp. plan.

Call my office for easy-to-understand, straight answers to your questions about Medicare. Ask the Insurance Nana. Call me now or click on the form here to fill out some basic information, and I will call you. Let’s sit down and discuss all your options with Medicare and get you the coverage you need.medicare-supplement-insurance

Call today at (770) 527-5598 for the insurance coverage you need. To begin with Medicare, Health Insurance, life Insurance, vision or dental insurance, let the Insurance Nana help you discover the right products for you and your lifestyle.

Award Winning Insurance Agent: Amy Kelley, The Insurance Nana

Award winning ins agent Amy Kelley

Amy Kelley has been recognized for her hard work and expertise and helping consumers enroll in and manage qualified health coverage through the health insurance marketplace. This achievement from the centers for Medicare and Medicaid services as a member of the 2020 marketplace circle of champions highlights Amy Kelley’s success. Amy Kelley has enrolled over 1000 people in the Marketplace, since 2014.

“Agents and brokers play a vital role in helping consumers access qualified health coverage and navigate their new health insurance plans throughout the year.” Said Randy Pate, director of the Center for Consumer Information and Insurance Oversight with CMS, which oversees the marketplace. The marketplace circle of champions program recognizes the hard work, expertise, and service of marketplace registered agents and brokers.
Award winning ins agent Amy KelleyAgents and brokers who assist many consumers with their enrollment, qualify for the marketplace circle of champions. Eligible consumers can enroll in marketplace coverage during this year’s open enrollment period, which runs November 1st through December 15th 2019. consumers with questions about their coverage or who would like help enrolling, can contact Amy Kelly the insurance Nana at 770-527-5598. Or email her at: Amy@insurancenana.com.

The New Bill that may Lower Your Health Care Costs!

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In the past few months, you may have seen the news coverage and commercials about this controversial new bill. The bill titled: 1985, Lower Health Care Costs Act aims to make key changes that will impact the healthcare industry.

This bill has been fiercely debated because of how radical some of these changes are.

So to help keep you informed, I’ve reviewed the America Health Insurance Plans (AHIP) summary of 1985 and outlined some of the major changes this bill will have on patients and the health care industry.

If you would like a full copy of the AHIP summary, click here to download the pdf.

To begin, let’s look at the 5 major sections of the bill:

Title I- Surprise Medical Bills:  Basically, this section would like to do away with being billed for out of network providers during an emergency and having your bill be totally outrageous and not the customary cost of that service.  Also in this section, if a patient happens to go to an in-network facility for an emergency but receive services from an out of network doctor the patient will be held harmless.

This bill would also hold patients harmless for surprise air ambulance bills.  No one plans on getting airlifted and it assumes that if you are getting airlifted you probably will not have time to make sure that the air ambulance is in-network.

Title II – Prescription Drug Prices: This section’s goal is to allow generic drugs to get to the market quicker by removing the roadblocks that manufacturers face in getting drugs to consumers.

In addition, this section of the bill would stop manufacturers from gaining a 5-year new chemical entity (NCE) exclusivity when they “tweak” the chemical properties of a previously created drug. This is important because NCE exclusivity prevents manufacturers from being able to provide consumers generic versions of a drug quickly.  Now NCE exclusivity will only be granted to newer, innovative or novel drugs.

Also, this section now allows generic drug manufacturers to sue brand name manufactures for not selling them samples for testing.

Title III – Transparency in Health Care: Title III is HUGE and positively impacts all patients. If you’ve ever had trouble finding out the true cost of a medical procedure, this section aims to provide some assistance.

  • Title III removes something called “The Gag Clauses” which prevents the health plans enrollees, plan sponsors, or referring providers from seeing cost and quality data on providers.
  • Also, it prevents “anti-tiering”, “anti-steering” and “all or nothing” clauses between providers and health plans that require health insurance plans to contract with ALL providers in a particular system/network or NONE at all.
  • Requires health plans to have up to date directories of their in-network providers which shall be available to patients online.
  • It requires healthcare facilities to provide patients with a list of services and a bill within 5 calendar days after discharge and all adjudicated bills to be furnished to the patient within 45 days. If bills are received more than 45 days after receiving care, the patient is not obligated to pay.  This gives patients at least 35 days after postmark to pay the bill.
  • Lastly, it requires health insurance brokers to disclose what compensation we receive by providing service to the consumers.

Title IV – Public Health Initiatives: This section improves the national campaign efforts to increase awareness and knowledge on the safety and effectiveness of vaccines for the prevention and control of diseases.

It also requires states to apply for federal youth suicide early intervention and prevention grants.

In addition, it raises the National tobacco purchasing age from 18 to 21.

Title V – Exchange of Health Care Information:  Lastly, this section’s focus is on improving the Exchange of Health Information making it easier to figure out in-network providers and out of network providers.

Although most of the 1985: Lower Health Care Cost Act will not take effect until 18 months after it passes, it will be important to stay informed.

As you can see, this bill will have some immediate impact on the way the health care industry does business and the rights patients have.

If you have any questions and want to know how these changes may impact your health insurance policy or Medicare, I’d be glad to help. Call the Insurance Nana.

For further info: AHIP has prepared a section-by-section summary of the “Lower Health Care Costs Act” (S. 1895). This bipartisan bill was approved on June 26, 2019 by the Senate HELP Committee by a vote of 20 to 3. It includes proposals addressing: (1) surprise medical billing; (2) prescription drug prices; (3) transparency in health care; (4) public health initiatives; and (5) the exchange of health information.

Health Insurance Helps Your Physical Health, and Your Financial Health!

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According to a recent study, signing up for health insurance may be one of the most important financial decisions you make this year. But for many, this decision is not an easy one.

Many people think that the Premium Cost, high Deductibles, additional Co-Pays, or multiple policies with industry jargon is overwhelming! Some people get frustrated and so they never make a plan at all, and then a medical emergency hits you, and you wish you had gotten the insurance.

With rising prices, it’s easy to see why you may dismiss getting a Health Insurance Plan altogether, but experts now that health insurance isn’t just good for your physical health, it’s good for your financial health, too! A good health insurance can actually protect you from financial ruin and bankruptcy.

As reported by MarketWatch:

People are twice as likely to file for bankruptcy if their health insurance has been interrupted, according to a new study published this week. In fact, all it takes is a coverage gap within two years for the chance of bankruptcy to jump twofold, according to the study published by the American Bankruptcy Institute.

So, before you decide on whether to get Health Insurance coverage, be sure to speak with a knowledgeable agent about all the Health Insurance options available to you. There are a variety of affordable insurance options to choose from that may fit your situation best.

As the Insurance Nana, I have counseled countless individuals and families, as they navigate these really difficult questions about health insurance or life insurance. My mission is to find an affordable option for health care and coverage that best fits your needs.

If you need to make a decision concerning your Health insurance, Call the Insurance Nana at 770-527-5598 https://insurancenana.com/

 

Truck Drivers Need Insurance! Save On Health Insurance with Us

As a truck driver, we know that your life is very busy and that you are always on the road. What happens when you need to go to the doctor? Do you have a good health insurance plan that can travel to the states that you do? Do you have an insurance plan that is accepted in other states?

When someone is sick and needs medical attention, their health care insurance should help them cover the cost of those medical bills. Whenever you need to go to the doctor, do you have trouble paying the bills related to getting good medical care? Let the insurance expert, The Insurance Nana, help you find the right insurance plan for you.

We can solve these health insurance-related problems for truck drivers and owner-operators:

  1. Help them find reliable health insurance that fits their lifestyle.
  2. Help them find affordable health care insurance that fits their budget.
  3. Help them find an insurance plan that can travel along with them if needed.
  4. Help them take care of their family’s health insurance needs, too.

 We also have an added health insurance benefit for frequent travelers: Our plans have a special feature called Doctor on Demand. This allows you to have access to a doctor by a mobile device. With this option, you can reach a doctor by cell phone almost 24/7. It allows for a video conference call with a physician.

While on the video conference call, the doctor will discuss your medical symptoms and medical history. After the call, the doctor can call in a prescription (if needed). This allows truck drivers to call from the road, and at their next stop, they can get their prescription filled. Our “Doctor on Demand” is there when you need it so that you don’t lose any time on the road! This option for doctor’s appointments is perfect for any truck driver on the road, and it was designed for busy travelers like you.

Don’t risk your health by going without health insurance coverage. Studies show that full-time truck drivers and owner-operators have health issues by the time they are 50. The bureau of labor and statistics stated that the long hours of driving, job stress, and the lack of activity for hours at a time, takes a toll on the driver’s health. It is important to get a good insurance plan, so that you can keep a good watch on your health! In fact, when you get a health insurance plan, we want you to use it for well-checks and health monitoring so that you can be the best for you and your family.

The Bureau of labor and statistics stated this:  The Bureau of Labor Statistics (BLS) Census of Occupational Injuries (CFOI) and Survey of Occupational Injuries and Illnesses (SOII). Truck drivers, along with driver/sales workers, had a workplace injury rate of 24.3 in 2012, more than 7 times higher than the overall workplace average.*see link below.

With statistics like this, it’s important for truck drivers and owner-operators to pay attention to their health! Go to the doctor at the first sign of illness, and don’t wait until it is serious.

If you need health care coverage now, call us today. We know how to find you affordable health care coverage that will benefit you.

Call the expert in health insurance: The Insurance Nana. 770-527-5598. Or click here to view my website: https://insurancenana.com/

 

US Job Census Bureau Stats: https://www.bls.gov/opub/mlr/2015/article/workplace-hazards-of-truck-drivers.htm