Where are there Medicare insurance agents in my area?
Are there any independent Medicare advisors near me?
Medicare/Medigap is a complex subject. While we have tried to briefly answer the most common Medicare questions below, you may be wondering is there a Medicare agent or Medicare advisor near me to help me fully explore my options.
Key Options LLC is proud to be the premiere Medicare advisor and insurance agent in Greencastle, PA. We look forward to working with you and helping you sort through the various Medicare Supplement Plans, as well as other supplemental health insurances to determine which makes the most sense for you.
If you’re wondering is there a Medicare agent near me and you live in Franklin County, Fulton County or Adams County in Pennsylvania; or Washington County, Frederick County or Allegany County in Maryland – we’ll come to you. Some of the towns we service with Medicare insurance include Newville, Shippensburg, Chambersburg, Gettysburg, Hagerstown, Thurmont and Rohrersville.
Why not call us NOW ?
What are the 4 types of Medicare?
The 4 types of Medicare are Medicare Part A, Medicare Part B, Medicare Part C and Medicare Part D.
NONE of them cover all of your medical costs.
Part A covers certain inpatient hospital charges. Part B covers many outpatient medical fees such as doctor office visits, lab work, diagnostic tests and some other medical expenses like ambulance and medical equipment. Part C (Medicare Advantage) provides a different way for you to receive Medicare benefits by choosing and paying for a Medicare Advantage plan offered by a private insurance company, instead of the government. Part D (Medicare Prescription plans that you purchase from a private insurance company) covers some prescription drug costs.
The coverage offered by Part C and Part D plans varies widely and NONE of these plans cover all costs.
It may be in your best interest to purchase a Medicare Supplement. Trying to understand, compare and couple the numerous available Medicare supplement plans can be overwhelming.
It’s best to consult an independent Medicare advisor to understand which of the plans will provide you with the best medical coverage at the least cost.
Call us TODAY for more information.
What is a Medicare Supplement Plan?
Original Medicare (Part A & Part B) pays for most, but not all, of your medical expenses, requiring you to pay the difference (or “gap”) out of pocket. The gap has no limit and could be in excess of 20% of your medical bills.
Medicare Supplement Plans, also called Medigap policies, are private medical insurance plans designed to help pay the gap. They’re offered by private insurance companies.
All Medigap policies are standardized and must follow federal and state laws. Insurance companies can sell only a standardized policy identified by Plan letters A through D, F, G, and K through N. All Plans offer exactly the same basic benefits. However, different insurance companies charge different premiums for the same exact policy. They also have different projections for future premium rate increases. It is best to understand your options for budgeting purposes.
With such a large number of plans available, including their varying costs, benefits and limits; it’s a daunting process trying to decide which plan provides you with the best benefits at the least cost in your individual situation.
Therefore, it is recommended that you contact an independent Medicare advisor for assistance. We would be happy to explain which plans are best suited for your individual needs.
Call us NOW.
What is Medigap? What is a Medigap Plan?
Medigap, or a Medigap Plan, is another term for Medicare Supplement insurance.
Original Medicare (Part A & Part B) pays for most of your medical costs, but what it doesn’t pay is the “gap” that must be paid by you. This is the Medigap.
Medigap Plans pay a portion of the “gap”. The number of Medigap plans, and their benefits and limitations, is staggering and difficult to understand.
You are strongly advised to seek the help of an independent Medicare advisor or Medicare agent to help you find the best Medigap Plan for your situation.
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What is Medicare Advantage?
Medicare Advantage gives you the option to replace Original Medicare Part A and Part B medical benefits with medical insurance offered by a private insurance company, instead of the government.
Medicare Advantage Plans are also known as Medicare Part C plans.
If you select a Medicare Advantage plan it will cover most services offered by Original Medicare.
Most Medicare Advantage plans include some coverage for prescription drugs.
The most common Medicare Advantage Plans include (a) Health Maintenance Organizations Plans (HMO), (b) Preferred Provider Organization Plans (PPO), (c) Private Fee-for-Service Plans (PFFS), and (d) Special Needs Plans (SNP’s). Additional, lesser known plans are also available.
How does Medicare Advantage (Medicare Part C) work?
Choosing Medicare Part C is the selection of a Medicare Advantage Plan. This means you are agreeing to leave Original Medicare that pays 80% of your Part A (hospitalization) and Part B (Medical). What the government pays to Medicare on your behalf for Part A and Part B goes to the Medicare Advantage insurance carrier plus any premium that you may incur as well. Some plans have a $0 premium.
For 2020 - Part A is $458 per month and Part B is $144.60 per month.
Is it better to have Medicare Advantage or Medigap?
While a Medicare Advantage plan might have a limit on your out-of-pocket costs to safeguard you from receiving large medical bills, regular Medicare (Parts A & B) coupled with a Medigap plan might provide more options in your choice of caregivers.
An independent Medicare advisor or Medicare agent can help you determine the best plan, or combination of plans, that ensure you get maximum benefits at the lowest cost.
Which Medicare Supplement Plan is best?
Since there is a wide selection of Medicare Supplement Plans, and your medical needs are unique to you, seven things must be considered to make the best choice.
Cost of the plan, its deductibles and copays, as well as any limits on what you pay out-of-pocket must be considered.
The coverage of the plan and how it suites your unique needs must be carefully considered, in addition to any other private coverage you may have. Will you need prescription coverage? Maybe you could benefit from hearing, vision or dental coverage. Would you benefit from other additional medical insurances?
Acceptance of the plan you choose by your doctors and hospital must also be considered. Not all plans are accepted by all caregivers.
Will you be able to continue getting the quality of care you’re accustomed to?
Finally, if you travel, will your plan provide coverage away from home?
These are only some of the numerous and confusing considerations involved in choosing the best Medicare plan.
Isn’t it in your best interest to get unbiased advice from an independent Medicare agent?
CALL US TODAY !
Are Medicare Supplement Plans worth it?
Relying only on Original Medicare(Part A & Part B) without any supplemental coverage could result in your having to pay out-of-pocket costs for substantial deductibles and 20% or more of any HUGE outpatient costs – the Medigap.
There is NO question that Medicare supplement plans could save you money.
What drugs are covered by Medicare Part D?
While all Medicare Part D plans are required by the government to cover almost all drugs in six categories (antidepressants, anticonvulsants, antipsychotics, immunosupprressants, anticancer and antiretrovirals), each Medicare Prescription Plan publishes a formulary, or list of the drugs they cover.
It’s your responsibility to ensure your Part D Plan covers those drugs you may need.
How does Medicare Part D work with other insurances?
Medicare Part D works with other insurance such as employer and union coverage, Medicaid, long-term facility, Federal Employee Health Benefits Program, Veteran’s Benefits, and TRICARE. Click here to learn more.
Why go it alone??
CALL US NOW for free confidential and caring advice.
If I don't live near your Greencastle office can you still help me?
As your Medicare agent WE WILL COME TO YOU if you live in Franklin County, Fulton County or Adams County in Pennsylvania; or Washington County, Frederick County or Allegany County in Maryland. We currently have satisfied clients in or near Newville, Shippensburg, Chambersburg, Gettysburg, Hagerstown, Thurmont and Rohrersville.
Medicare.gov reminds everyone that you have until December 7 to re-assess your current Medicare Plan to see if there is a better plan for 2023 that might lower your out-of-pocket costs or provide additional benefits, or both. You could try to do this yourself, or better yet, contact Kathy Olivier, an independent Medicare Advisor at Key Options, LLC , to help you by calling her at 717-597-6977.
You are encouraged to review your COMPETE current Medicare coverage - including prescription drugs. And, you should also consider whether your medical needs might change in 2023. It’s also important to make sure that the health care providers you currently use, including your pharmacy, will be covered by whichever Medicare Plan(s) you choose for 2023.
Remember, December 7 is the LAST DAY of Medicare Open Enrollment for 2023 coverage. Why try to do this yourself when a top independent Medicare Advisor like Kathy at Key Options, LLC is ready to help you by simply calling her at 717-597-6977?
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Because Medicare Open Enrollment takes place now through December 7, the Centers for Medicare and Medicaid Services (CMS) recently warned seniors about deceptive advertisements in the mail that are designed to look like official government correspondence, and misleading TV commercials that use celebrities, to convince people to apply for Medicare plans that might not cover their current and future health care needs. It’s strongly recommended that you speak with an independent Medicare Advisor such as Kathy Olivier at Key Options, LLC at 717-597-6977 BEFORE you apply to a Medicare Advantage Plan, to ensure you are getting the health care coverage you need.
Unfortunately, these misleading marketing schemes can dramatically increase your out-of-pocket health care costs when they don’t provide coverage as promised.
The large and growing number of privately run Medicare Advantage companies that legally offer their own versions of Medicare has resulted in fierce competition and some companies are trying to outdo the others by using deceptive marketing techniques.
CMS staff have been investigating sellers of Medicare Advantage Plans and found a growing number of cases where the medical benefits were over-promised but not paid, leaving the buyers with less coverage than they expected after they enrolled in a plan.
One such case included nationwide TV ads where a former NFL football star promised that plans would “add money back to your Social Security check”, but he didn’t explain that the benefits of plans and availability of in-network providers could be different in each ZIP code. The unavailability of in-network health care services in some ZIP codes resulted in higher overall health care costs to unsuspecting applicants.
It's recommended that you ask DETAILED questions about health care providers, services and prescriptions when considering any Medicare Advantage Plan. Better yet, why not contact Kathy Olivier at Key Options, LLC (717-597-6977)? She’s an independent Medicare Advisor who is happy to carefully explain the various Medicare plans and help ensure you get the best benefits for your individual needs.
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Many seniors having financial problems during this current inflationary period may not be aware of some Medicare and other programs that can offer them financial assistance. Kathy Olivier, an independent Medicare insurance agent at Key Options, LLC (717-597-6977), can help explain these programs.
For example, almost 14 million seniors qualify for food stamps (federal Supplemental Nutrition Assistance Program) but are not using this benefit. In addition, more than 3 million seniors who qualify for Medicare Savings Programs are not enrolled, and almost half of seniors who qualify for the Medicare Part D Low-Income Subsidy program aren’t enrolled.
Did you know that Medicare Savings Programs can lower Medicare costs, and Medicare Part D Low-Income Subsidy can help dramatically lower the cost of your prescription drugs?
Understanding these Medicare-related programs, and whether an individual qualifies can be confusing.
Why try to understand these Medicare programs by yourself when you can call Kathy at Key Options, LLC, an independent Medicare advisor, for help? Call (717) 597-6977 NOW.
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If you subscribe to a Medicare Advantage Plan, the Centers for Medicare & Medicaid Services (CMS) is asking for your comments. If you have questions about your Medicare plan you can discuss them with Kathy, an independent Medicare advisor at Key Options, LLC at 717-597-6977.
CMS is requesting comments from people who are subscribed to a Medicare Advantage plan to help determine how to improve those plans.
To leave your comments simply click on this Request for Information link that will connect you directly with the Centers for Medicare & Medicaid Services where you can provide your input.
As mentioned above, you can also discuss any questions you have about Medicare with an independent Medicare advisor – Kathy at Key Options, LLC (717-597-6977).
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Medicare.gov recently reminded seniors of the importance to keep up to date on their vaccines.
According to Medicare.gov, staying current on your vaccines will keep you from getting serious illnesses and might even keep you from a hospital stay. If you have any questions about your Medicare coverage, you can speak with a Medicare independent advisor, Kathy Olivier, at Key Options, LLC by calling (717) 597-6977.
Medicare.gov advises every senior to discuss their vaccine needs with their doctor or health provider.
Medicare covers numerous vaccines including COVID-19 vaccines and booster shots, one flu shot per season, two different pneumococcal shots, and others.
You can visit Medicare.gov, or better still (and easier), simply call Kathy at Key Options, LLC at (717) 597-6977 to answer any of your Medicare questions.
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A recent study found that 4 out of 10 people who chose a Medicare Advantage program instead of traditional Medicare didn’t realize that the health services they would receive would only be covered if those services were provided by their Medicare Advantage NETWORK. If you find yourself wondering where are there Medicare insurance agents in my area who can explain this, call Kathy, an independent Medicare Agent, at Key Options, LLC (717-597-6977).
A major difference between Medicare Advantage and traditional Medicare is that under traditional Medicare, services rendered by ANY health provider who accepts Medicare are covered, unlike Medicare Advantage where ONLY IN-NETWORK services are covered.
While those who opted for Medicare Advantage did so for the vision, dental and drug benefits, some are switching back to traditional Medicare, even though the benefits of their Medicare Advantage plan were mostly found to be as advertised.
If you have any questions about whether Medicare Advantage versus traditional Medicare is better for you, call Kathy at Key Options, LLC (717-597-6977) for answers from an independent Medicare Advisor.
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If you are on Medicare and have questions about Medicare services, you may be wondering where are there Medicare insurance agents in my area. Key Options, LLC in Greencastle, PA is here to help those living in Franklin County, Adams County and Fulton County. Just give us a call at 717-597-6977.
You should also know that Medicare.gov has made it easier for people on Medicare to find nearby hospitals and doctors who accept Medicare. Their new platform is also a help to those on Medicare who are considering a surgery.
Simply visit Medicare.gov on the internet, and click on “Providers and Services”.
You will find contact information for hospitals close to you as well as their distance from you and directions to the hospital. The site also provides patients’ ratings for hospitals. These ratings consider the quality of care that patients feel they received across various medical procedures such as a heart attack or surgery.
In addition, the site provides information about how each hospital performs compared to the national average for effective care, timeliness, complications and other information.
Even though Medicare.gov has enhanced their internet site, if you’re wondering are there any independent Medicare advisors near me who I can speak with, you can get all of your Medicare questions answered by calling Kathy at Key Options, LLC (717-597-6977).
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Medicare.gov reminds all men over the age of 50 who are enrolled in Medicare Part B that you are entitled to a FREE prostate cancer every year.
These free screenings can prevent or find prostate cancer and numerous other health conditions early and prevent future catastrophic health problems.
According to Medicare.gov June is Men’s Health Month!
Why not make the most of your Medicare Part B benefits and make an appointment with your health provider today? Please call 717-597-6977 and speak with one of the independent Medicare Advisers at Key Options, LLC if you have any questions about your Medicare Part B coverage.
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Even though the year is half over, it’s worth reviewing the changes made to Medicare for 2022.
Unfortunately, the most significant changes to Medicare are higher monthly premiums, as well as higher deductibles for your medical care. However, most of your Medicare benefits will stay the same as 2021. Congress is considering some changes to Medicare, but they wouldn’t take effect until 2023.
The good news for 2022 is the benefits that were added to Medicare.
Folks who rely on insulin and are enrolled in Medicare now have the choice to join a Medicare Part D “enhanced” plan. These Part D plans ensure that enrollees can receive insulin at no more than $35 per month! Anyone signed up for either original Medicare or Medicare Advantage plans can sign up for this “enhanced” plan.
Another new benefit for Medicare participants in 2022 is the increasing availability of mental health and behavioral services by “telehealth.” Telehealth enables you to receive these services by speaking with your healthcare provider by either phone or video (computer.)
This new benefit ensures that folks who live in areas of the country that don’t have broadband for a computer can receive services such as counseling and therapy which include the treatment of substance use problems. In addition, Medicare will now cover mental health telehealth services offered by rural health clinics and other federally qualified health centers.
If you need more information about your Medicare insurance benefits for 2022, please contact an independent Medicare advisor at Key Options, LLC at 717-597-6977.
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CMS, the Centers for Medicare and Medicaid Services, has recently announced several improvements to their Medicare.gov website that should make its use more convenient for those who try to use it.
It will be easier to compare and choose various Medicare health and drug insurances, as well as health care providers.
In addition, Medicare.gov had also recently undergone improvements such as using simpler language to explain complex questions posed by users as well as step-by-step guidance for those new to Medicare.
However, it you have questions about Medicare and would like them individually answered by an independent Medicare agent, why not call us at Key Options, LLC (717-597-6977), and speak with one of our certified independent Medicare agents?
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It’s very possible that Medicare Part B may cost you less in 2023 than it does this year. That’s because a drug for Alzheimer medication, Aduhelm, is costing less than CMS (Centers for Medicare and Medicaid Services) expected.
Medicare Part B partially offsets your out-of-pocket costs for medical providers’ services, outpatient hospital services, some health services provided in the home, certain medical equipment, and some miscellaneous services that Medicare Part A does not cover.
CMS had set 2022 Medicare Part B monthly premiums 14.5% higher than 2021 because it expected the cost of medical care to increase due to more utilization, possible Congressional actions, and possible costs of Aduhelm.
Almost half of the 14.5% increase in 2022 resulted from anticipated costs associated with Aduhelm.
In late May 2022 it was decided to revisit the 2023 Medicare Part B monthly premiums, which are expected to decrease. However, the final decision regarding Medicare Part B premiums will not come until the fall of 2022.
Call us to ask our independent Medicare Agent more about Medicare Part B premiums for 2023, or ANY Medicare question you might have.