medicare advantage | Benefit Enrollment Center - Free Help for Seniors
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medicare advantage

Go from Medicare Advantage to Medicare Supplement

North Carolina Medicare Plans

Seniors in North Carolina are facing more challenges with regard to Medicare Advantage plans.

Many are finding that Medicare Supplement (Medigap) is a far better way to go than the ever-shifting sands of Medicare Advantage, as shown in a recent story by the Charlotte Observer, which showed that over 57,000 North Carolina seniors are losing their Medicare Advantage plans in 2015.

Seniors on Medicare Supplement plans are guaranteed renewable, with the same benefits they signed for, for life. The benefits on Medigap plans cannot be changed, and this means stability.

Seniors who are 75, 80, 85 years old should not have to compare nuances of changing co-payments, doctor networks, and new requirements that are constantly changing on Medicare Advantage plans each time the one-year contract expire.

Seniors looking for a second opinion on their Medicare plans should call the Senior Savings Network at 1-800-729-9590.

Here is the article from the Charlotte Observer:
Turmoil in Medicare Advantage hits NC seniors hard.

What does Medicare cover on Cancer?

What does Medicare cover on cancer?

What does Medicare Advantage cover on cancer?

What do Medicare Supplements cover on cancer?

This video seeks to answer the question, based on a letter written in on someone with cancer that wants to go to MD Anderson Cancer center, yet had a Medicare Advantage Plan.

Medicare Advantage can limit your cancer coverage.
Be sure to check the Medicare Advantage coverage on chemotherapy. Often, it is only 80{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05} of the cost. That’s no better than just being on Medicare, because Medicare Part B already covers just 80{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05} of the cost of chemo.

A Medicare SUPPLEMENT, however, is different than Medicare Advantage. The Medicare Supplement fully covers cancer and cancer treatments.

All of the Medicare Supplement plans are standardized. There are no hidden tricks or small print. They’re accepted by every doctor that accepts Medicare.

See also:

SeniorSavingsNetwork.org helps seniors find the best Medicare Supplement plan by shopping the entire market.

We shop the market for the best Medicare Supplement rates in the market. We know the companies, the plans, and the best way to get the best rates.

Call us at 1-800-729-9590

Let us go to work for you. Our Medicare Supplement quoting service and help is free.

How will Obamacare Impact Medicare Advantage?

Obamacare will have a significant impact on Medicare Advantage, starting in the 2014 plan year.

Seniors should be cautious when considering staying on their existing Medicare Advantage plan, as many of the plans now have a different (higher) maximum out-of-pocket costs. Many plans have gone from $3,400 maximum out-of-pocket per year up to the max: $6,700 out-of-pocket.

This means if you have a catastrophic health event that requires multiple hospitalizations, doctor visits, physical therapy treatments, etc. these costs can quickly add up to the maximum, $6,700 before you are done with the cost sharing on the Medicare Advantage plans.

If this health event happens late in the year, you can see the reset of the $6,700 limit on January 1, meaning that you are on your own to hit that limit again, fully, before the health plan takes over all costs.

See these videos on the impact of Obamacare on Medicare Advantage:

These are specific ways that Obamacare will impact seniors on Medicare:

Seniors seeking to drop Medicare Advantage should first check on Medicare Supplement quotes before returning to original medicare.

This is easily done by visiting the Senior Savings Network, a free service to seniors that compares all available Medicare Supplement plans to find the best deal in the market.