Medicare Supplements
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Medicare Supplements Plans
There are some things we would like you to consider.
When you turn 65, it’s important to understand your insurance options. Working with an independent agency that represents all insurance agencies will ensure you get the coverage best suited to your needs.
Whether you’re just turning 65 or retiring soon, you want to work with an agency who is committed to safeguarding your health coverage for the years to come, rather than working with an agent who is only focused on a one-time assistance of seniors who are turning 65 this year.
We work for our senior clients, NOT for the insurance companies. This way, we can make sure you are getting the best possible value for your insurance premium.
As you can see in the Medicare & You Guidebook, all of the Medicare Supplement plans are identical regardless of the insurance company: Each plan pays the bills exactly the same way for the same amount, and are all accepted at every Medicare provider the same way.
The only difference? Sometimes, you might be paying $1,200 or more per year, depending on what is available in the marketplace.
But what happens when you sign up with a “Turning 65” only Medicare agent?
They’re off the next week looking for that next “turning 65” senior and they’re not taking care of you – That’s not the customer service you deserve!
At Wade Benefit Services, we bring you over 10 years of experience from working with many independent agents providing service that you need.
Give us a call at 1-866-697-6226 and someone will be happy to help you!
Medicare Advantage
Please watch this important video on Medicare Advantage:
Considering a Medicare Advantage Plan to save money?
Consider This: Most retirees are on a fixed income.
This means that our senior clients like a health care plan with no hidden fees or surprises – like the consistent, monthly premiums that occur with a Medicare Supplement policy.
But, with a Medicare Advantage Plan you could have a big surprise when you need hospital services: increased out-of-pocket payments.
Take a look at the comparison chart here. The blue line represents a consistent monthly Medicare Supplement (Medigap) plan premium, compared to the unexpected and sudden costs associated with using a typical Medicare Advantage program.
This chart shows one client’s payments after a 4-day hospital stay and outpatient procedures with the Medicare Advantage plan.
Avoid the red line that’s possible with Medicare Advantage.
Life can be uncertain; your coverage doesn’t have to be.
Medicare Supplements vs. Most Medicare Advantage Plans:
Concerns of Seniors: |
MedicareSupplement |
MedicareAdvantage |
| Restrictive Network of doctors and hospitals |
NO |
YES |
| Co-Payments to Providers |
NO on Plan F or G.Up to $20 on Plan N at Doctor |
YES – Varying |
| Up to $6,700 yearly Out of Pocket Costs |
NO |
YES |
| Health Plan Decides What Test and Procedures Are Approved For You |
NO |
YES |
| Can Your Plan Be Cancelled? |
NOCannot be cancelled as long as premiums
|
YESPlans are approved yearly and can be dropped. |
| Ability to Travel the Country and Use Any Doctor or Hospital |
YES |
NO |
| Is Pre-Certification Required for some Treatments? |
NO |
YESPenalties apply if pre-cert not done. |
|
MD Anderson Cancer MAYO Clinic Included? |
YES |
NO |
What my clients have to say:
Honestly put, when we contacted WBS, we had no idea of what we were looking for the protection of our financial and medical future. We were paycheck to paycheck with a little savings, but nothing formally planned.
The moment Takeesha stepped in, our life and the way we looked at life changed. She helped us plan our future and retirement so what we have everything we need when we need it. Highly recommended.
Ruth & Edward F.I was depending on Medicare Advantage for my healthcare services, but it shocked me when I found out the real picture. I was made to believe that I had everything when I had nothing.
God bless Takeesha that she helped me find my way to the best and the smartest healthcare in the US. I feel she is doing great work for the community and everyone should consult her before getting into any medical program.
She is the best!
Bettye A.