Medicare Cost Policies vs. Medicare Blue Cross Blue Shield advantage Policies

Medicare Cost Policies vs. Medicare Blue Cross Blue Shield advantage Policies

There are different avenues to getyour Medicare benefits. Depending on where you live, you can choose fromMedicare Blue Cross Blue Shield advantage Policies, Original Medicare, MedicareAdvantage and Medicare Policies. This article compares two types of policies,Medicare cost policies, and Medicare Blue Cross Blue Shield advantage policies to help you decide which one is right for you.

What are Medicare supplement plans? Find out more at

As you can see in the name, Medicare Blue Cross Blue Shield advantage Insurance Policies (also known as Medigap) are complementary to Original Medicare insurance. Depending on the policy you choose, you can insure part of your expenses according to Part A and B.

These are not separate policies (you must sign up for Part A and B to buy Medigap) and you cannot combine them with Medicare Advantage. The Medicare Blue Cross Blue Shield advantage insurance policies are standardized at the federal level, so Policy A in New York offers the same basic benefits as Policy A in Wyoming. However, some states (Minnesota, Massachusetts, and Wisconsin) have their own versions of certain policies.

You pay a separate monthly premium for your additional Medicare insurance. Some policies also have an annual deductible before the benefits take effect.

What are Medicare policies?

If you have never heard of Medicare policies, you are not alone. These policies are only available in certain parts of the country. Many of them will expire in January 2019 and will become Medicare Advantage.

In a way, Medicare policies work like Medicare Advantage policies. You must use network operators to be insured by the cost policy. However, if you no longer use the network, Original Medicare will pay your insured costs once you have reached your deductible and co insurance amount.

You can enroll in a Medicare policy even if you only have Part B, and you can switch between Medicare and Original Medicare at any time. The premiums are set by the policy itself, and you must pay the Part B premium in addition to the premium calculated by your policy.

Medicare policies vary considerably. For instance, some include only Part B services. Policies may include insurance for Part D prescription drugs. You may not have an annual deductible and your cost structure will also be determined by the policy. These policies are usually offered by unions or employers as part of the group’s health insurance. Each policy has its own rules, restrictions and exceptions. Therefore, it is important to talk with you to find out all the details of your policy to make a decision.

You may be able to combine Medicare policies with a Medicare supplement policy, depending on how your claims are handled. If your policy is processing claims through Original Medicare, you may be able to enroll in a Medicare supplement policy. However, if the policy handles claims through Medicare Advantage, you will not be able to enroll in a Medicare Blue Cross Blue Shield advantage policy. Be sure to ask your policy administrator how to handle the claims if you are interested in a Medicare supplement policy.

Do you need more information about Medicare policies and Medicare Blue Cross Blue Shield advantage policies?

Your broker will be happy to help you find the information you need about the Medicare Blue Cross Blue Shield advantage Policies.

How does Medicare Part D work with other insurance companies? Pt 2

How does Medicare Part D work with other insurance companies? Pt 2

Here are some examples of other insurance benefits that may apply to Medicare beneficiaries:

How can Medicare Part D work with an employer or union policy?

An employer or union policy decides how to work with Medicare and whether to consolidate benefits with Medicare policy. Your union or employer must tell you if your current prescription drug insurance changes when you qualify for Medicare. This notice will also apply to your spouse if you enroll in your employer’s health policy and are eligible for Medicare.

Your employer can do the following:

Continue your current insurance

Offer alternative insurance through a specific Medicare Part D prescription drug policy or a Medicare Advantage Prescription Drug policy

Drop your coverage

It may be a good idea to ask yourunion or employer if you and/or your family members will be removed from thepolicy if you join a Medicare policy that offers prescription drug services. Plan for 2020 and get a supplement plan at

If you like the employer or union policy and/or your family is insured by your policy, you may want to keep it if the policy allows it. If so, see your policy’s “creditable insurance notice” (which should be sent each fall in the year) to make sure you have solvent medications. If the policy does not provide acceptable insurance for prescription drugs, you may want to join a Part D prescription drug policy to avoid late entry of Part D drugs.

How Medicare Part D could work with COBRA

If you lose your union or employer policy insurance because your employment ends, you may be eligible to receive benefits under the Ombibus Consolidated Budgeting Conciliation Act (COBRA). Under COBRA, you and insured family members can continue insurance under the employer or union policy for a specific period of time, usually the total insurance premium previously shared or paid in full by the employer and an administration charge.

If the COBRA policy does not provide adequate insurance for prescription drugs, registering in a Medicare Part D prescription drug policy may be beneficial to avoid potential fines for later registration. You may want to check with your state health insurance program (SHIP) to understand your options.

How can Medicare Part D work with individual insurance policies?

If you have an individual insurance policy (which is not Medicare) that insures prescription drug insurance, your insurer must inform you if your current insurance is “creditable” or not. If this is not attributable, you may want to enroll in a Medicare prescription drug policy as soon as you qualify, so you do not have to wait for a Part D late enrollment penalty. You may be able to utilize your personal insurance to supplement Medicare insurance. You can check the conditions in your policy to see if the benefits are coordinated.

How can Medicare Part D work with the Federal Employees Health Benefits Program (FEHBP)?

If you are an active or retired federal employee, you usually do not need to enroll in a Medicare prescription drug policy. The benefits offered by FEHBP are generally considered acceptable prescription drug insurance.

How To Avoid the Medicare Prescription Drug Insurance Gap or The “Uninsured Gap”

How To Avoid the Medicare Prescription Drug Insurance Gap or The “Uninsured Gap”

Many independent Medicare Part D policies and Medicare Advantage Prescription drugs have a gap in Part D benefits, also known as the “donut hole” of Medicare. During this shortage of prescription drugs, participants may need to pay a greater chunk of the cost of their prescription drug till they attain the catastrophic insurance stage of their policy.

What is the Medicare insurance gap or the “uninsured period”?

The Medicare insurance gap or “uninsured period” is a temporary limitation on which drug policies are paid for eligible drugs.

Every year, Medicare Part Dbeneficiaries can insure the prescription gap if they and their policy havepaid a certain amount for insured drugs. Get quotes for a Humana advantage plan at

In the Medicare insurance gap,beneficiaries have to pay a percentage of their drug costs. On the basis of theprovisions of the Affordable Care Act, participants will be paying a lesserpercentage for drugs every year while under the insurance gap, until 2020. Atthis point, beneficiaries are estimated to pay 25% of the cost of drugs after achieving the insurance gap.

The insurance gap terminates when the cost of the drugs in the policy for a beneficiary reaches a certain threshold, which may change every year. The beneficiary at this point enters the catastrophic insurance phase. (kindly note that whatever is spent on medicines not included in the formula of the policy, will not be included in the total threshold).

 As soon as the beneficiary gets to the catastrophic insurance phase of Medicare Part D or prescription drugs of Medicare Advantage, he or she will only be responsible for a small co insurance or co payment on supplement for the remainder of the year.

Can the Medicare insurance gap be avoided?

Not everyone will enter the Medicare insurance gap every year. For Medicare beneficiaries who receive additional costs for Part D costs, this insurance gap will not materialize. In addition, the supply gap is being reduced and degraded slowly over time as a result of the Affordable Care Act.

However, for those affected, there are ways in which you can avoid reaching the insurance gap every year:

  • Inquire from local pharmacies whether they sell your drugs at a reduced cost.
  • Verify that using a mail-order pharmacy for a 3-month supply of drugs can reduce the initial payments.
  • Ask your doctor if your medications have cheaper generic options.
  • Always use a preferred pharmacy if you have a prescription drug policy.
  • Get help from private, government or federal programs that help with the costs of medications.

Some pharmaceutical companies also offer programs for their own medications.

Do not be too alarmed by the lack of Medicare Part D insurance. With a prescription drug policy, you can still save money on your medications.

Get in touch with a broker to explain to you what options of policies would function well for you. A broker will be your best bet as he is well versed in the area of Medicare insurance plans.

How does Medicare Part D work with other insurance companies? Pt 1

How does Medicare Part D work with other insurance companies? Pt 1

Medicare Prescription Drug Policies Part D

If you are a Medicare beneficiary orare about to become one, you may be concerned that you are receiving MedicarePart D prescription drugs. Any person with Medicare Part B (health insurance)and/or Part A (hospital insurance) is qualified to receive Medicare Part Dprescription drugs. This is optional, but in some cases you may be penalizedfor signing up late if you do not enroll in this insurance as soon as you areeligible and opt in later. For 2020 why not get a quote at

Let us begin with a quick summary of the working of Medicare Part D. Part D insures prescription drug insurance by private insurance companies under contract with Medicare. You can get Medicare prescription drug insurance from 2 types of Medicare policies offered by private insurers:

A separate Medicare Part D policy for prescription drugs. This policy only insures prescription drug insurance and also works to insure Medicare Part A and/or Part B.

A Medicare Advantage Prescription Drug Policy that insures medical services and prescription drugs. This type is for people who choose to receive all Medicare benefits in a policy. There are several types of Medicare Advantage policies, such as: Preferred Provider Organization Policies (PPOs), and Health Maintenance Organization Policies (HMOs).

If you enroll in one of two types of Medicare prescription drug policy, you can pay a monthly premium to the insurance company, as well as co payments, co insurance, and, if applicable, the annual policy co payment. Some Medicare Advantage policies have only $ 0 premiums. If you have a Medicare Advantage policy or a Medicare drug policy, you will still have to pay your Part B premium.

If you delay registration for a Medicare prescription drug policy and you do not possess other insurance policies that offers “creditable” protection for prescription drugs, you may have to pay a late enrollment fee for Part D if you later register for this protection. Eligible insurance means that (on average) the prescription drugs are at least as good as those in Medicare Part D.

The late entry fee is at least 1% of the national average premium. Your premium can be added for each month you have for more than 63 days without acceptable drug insurance. In most cases, you pay the penalty as long as you receive your Medicare Part D prescription drugs.

How Medicare Part D works with other insurance policies.

You can currently have insurance policy that includes prescription drugs and ask if you still need insurance under Medicare Part D. This depends on the source of your insurance plan. Here are some things you want to examine:

Will your current insurance company coordinate services with Medicare?

If you join a Medicare prescription drug policy, will you lose your other insurance? If that be the case, does this affect your partner, spouse, or other people who might be insured by the policy?

Does your current insurance company provide on average as good, if not better, prescription drug insurance under Medicare Part D? So, is there “creditable” insurance?

Keep checking your Body Weight as it is the Basis of Living Long

Keep checking your Body Weight as it is the Basis of Living Long

In Africa, people have a wrong perception that increase in body weight is a sign of satisfaction and wealth. In other parts of the world, this idea is a mistaken idea because excessive body weigh has been associated with risks such as heart failure, diabetes and high blood pressure. If you are a retiree at the age of 65 and above and thinking that gaining weight will make you appear like your health is good, then you are wrong. At your age, you need to keep your weight in check basically because it is not good for your health and wellbeing.

How will you know that your weight is not as per?

Thanks to the researchers and technology because we can now measure or find out whether our body weight is good. This can be done individually without the need to go to a health care facility. To check your weight, you need a body mass index calculators and a weighing machine. To do this, you measure your weight and your height. The ration between your weight and your height will be a basis of telling whether your weight is okay or not.If your  Get quotes for 2019 supplements at

What do you do if the ratio is beyond the accepted one?

If the MBI is not good, then the next thing you need to do devise ways of making sure that you are in control of your body weight. Unfortunately for some people, reducing the amount of food they eat may not be a solution to their body weight because even if they are starved, their body weights will still rocket. For such individuals, you need to employ heavy exercises such as weight lifting and long distance running. This is basically what we call keeping active.

Replacing sugary food or drinks with water and food with low sugar contents is also one of the perfect ways of making sure that your body weight is controllable. Sugars are a source of fats since excessive sugars are normally converted into fats within our bodies. With that idea in mind, it fortunate that we can check our own body weights and come up with strategies of making sure that our body weights are in check. As soon as you are able to control your body weight, you will be in a good position to avoid some of the opportunistic disease such as obesity.

Quit Smoking if you have been Smoking before and After Retirement

Quit Smoking if you have been Smoking before and After Retirement

As a senior, you might not be in a position to tell mewhere and when you started smoking. You might have started smoking when youwere young or you might have started it because of peer influence when you werea teenage. That is right, I have no problem with it but since you are now aretired senior, you need to make a very difficult step. That step is quitsmoking. I will agree with those who will say that smoking cessation is not aneasy thing because it is all about being addicted to it. However, since you arenow retired and at the age of 65, you have to be cautious about your health and use all you might to try and stop smoking. 

What will you gain from quitting smoking?

There are a number of reasons why smoking is not good for your health after your retirement or during old age. First, quit smoking and combat all other health issues that might come your way. In other words, whenever you quit smoking, it will be easy to deal with other opportunistic diseases such as lung infections and general body weakness. Smoking causes cancer and it is better to stop or avoid smoking at all costs. It might be a very hard thing to do but you have no other choice but to try just for the sake of your health.

Smoking is a source of stroke

In old age, stroke is caused by excessive or long term smoking. How is that possible? It is simple, whenever we smoke our nerves are always corrupted by caffeine that we get from nicotine. When our nerves can no longer control our body, the section which controls most of our body functions is also affected. Improper functioning of some of the section of the brain will certainly cause a stroke. A store could send you to untimely paralysis, something you don’t want to happen at an early stage of 65.

Skin elasticity problems and erectile dysfunctions are caused by smoking

It is common to find that people beyond the age of 65have started developing wrinkles. However, such wrinkles can be slowed down ifwe stop smoking. On the other hand, in order for you to enjoy your sexualfunctionality longer, you need to ensure that smoking is not part of your life.Quit smoking and continue enjoying your sexual activities.  Quotes for medicare advantage can be found by visiting

Engage in Physical Activities so as to Maintain Balance and Flexibility

Engage in Physical Activities so as to Maintain Balance and Flexibility

Someone will agree with me that stiffness is verycommon among retirees and people who have attained the age of 65 in general.With that idea in mind, it is very important to consider that whenever we sitdown and make our bodies move little or not at all, we will certainly beinviting body stiffness. Talking of stiffness, it can be seen from the fingersof the elderly. What do you notice with the fingers of the old people? Thefirst thing that you will notice is that they are not straight and appearcurved. This is caused by stiffness in joints and bones. If that is the case,then you need to be physically active so as to keep stiffness at bay. Get an advantage plan for 2019 at

Keep fit at all times

Keeping fit in this cause is basically ensuring that your muscles are active and vibrant always. It is important to do thorough exercises so that all the parts of your body can stay active. The main reason why staying fit is important is that it helps maintain your body strength. Whenever you keep your muscles active, muscle regeneration becomes active as well. When muscles keep growing by replacing its cells, it means that you will maintain your body strength.

Flexibility is also associated with being fit

Although we might feel tired after the age of 65, it is crucial for us to consider being fit and being active so that we can always be flexible. The flexibility of our body helps us be able to bend, stand and walk swiftly. To be flexible, you need to be very active. You can go to the gym, go walking and you can also go for morning runs. This will help you keep being flexible at all times.

Prevent cardiovascular issues by keeping active

Our hearts are delicate during the age of 65 and beyond. With that idea in mind, is important to keep active so as to burn all the lipids that might accumulate around our hearts and cause heart failure. However, as much as you will want to remain active and fit, always make sure that you sleep well and for long hours so that your muscles may not be wasted away due to constant fatigue. Being fatigued for long is what causes falls. You don’t need to fall while there is a simple medicine… just sleep enough.

You Need to Develop a Good Eating Habit at the Age of 65 and Beyond

You Need to Develop a Good Eating Habit at the Age of 65 and Beyond

 For teenagers,eating might be one of the priorities but for the elderly or people beyond theage of 65, eating is not their priority. We eat to live and it is for thatreason that I think you should eat so that you can live longer. In old age andthat immediately after your retirement, your cells might not be in a goodposition to regenerate if you don’t eat a balanced diet. Our cells dependsheavily on those vitamins that we accrue unknowingly from various types offoods. It is important, therefore, to adopt a healthy eating habit. You mightwonder what a healthy eating habit is but I will explain.

What does healthy eating entails?

Eating healthy is basically ensuring that you ingest the right amount of food with that right amounts of fats, lipids, vitamins, proteins, carbohydrates and with heavy fiber contents. Foods rich in proteins are the best since they help in building your muscles and they are indeed a source of body energy. It is important therefore for you to make sure that you prioritize on taking enough proteins just to make sure that your body has enough energy that will help you during physical activities. On the other hand carbohydrates are a source of body sugars. Sugars are good but should be controlled so that you will not be at risk of contracting diabetes.

Healthy eating prevents heart disease and obesity

It is important to consider choosing those foods that will not cause heart related disease. With that idea in mind you need to make sure that you always avoid food with high cholesterol levels. Such foods are known to reduce the diameter of the blood vessels, choke the heart hence throwing you into heart related disorders. Care should be taken if you are a retiree because eating a lot with less activity could lead to obesity. This is enemy to your health in old age. Make sure that you eat but always be active.

Always control your health with dietary change and exercise

Dietary change is basically a practice of changingfood contents in line with your body needs. In some case, for some people,dietary changes may not work well and this calls for extensive exercises. Farfrom eating well, your retirement age depends highly on your willingness tostay healthy. Eat well and have good insurance found at

How Much Does Medicare Part D Cost?

How Much Does Medicare Part D Cost?

If you are like many Americans, you will need prescription medications to deal with a mental or physical condition. Medicare Part D which has been available since 2006, is Medicare’s solution to insure prescription drugs. Medicare Part D is available through private insurance companies licensed by Medicare with a Medicare Advantage Prescription Drug Policy or a Part D prescription drug policy associated with Original Medicare. While Medicare Part D can reduce the costs of disbursing your prescription drugs, it is not free. Medicare Part D costs do not include premiums, deductibles, co insurance and co payments.

What are Part D premiums of Medicare?

A premium is the cost you will be required to pay per month to secure Part D of Medicare, whether you are taking medication or not. If you have a separate Medicare Part D policy, you generally pay an extra premium together with a monthly Part B premium of Medicare. Should you enroll for a Medicare Advantage policy with prescription drug insurance, your Part D premium will be added to your Medicare Advantage policy premium. With a Medicare Advantage policy, you will continue to pay your Medicare Part B premium.

If your income is above a certain threshold, you will pay an additional amount related to the income along with the Part D Premium called the Monthly Part D Adjustment Amount. Social Security will contact you regarding the payment of part D-IRMAA. Should you fail to make payment, you may lose Medicare Part D drug insurance as described in the Centers for Medicare and Medicaid Services.

Bear in mind that for OriginalMedicare, a separate policy for Part D prescription drugs and the Medicare AARP advantage (Medigap) policy, you can pay 3 individual premiums for Medicareinsurance, which includes Part B, Part D and Medicare AARP advantage plan found at

What are the deductibles in Medicare Part D?

A deductible represents your expenses before the Medicare Part D policy begins to pay its share of the cost. Medicare controls how much a deductible can be. For instance, your policy has a $ 405 deductible. You only take one prescription drug that costs $ 55 per month. You have to pay all of your costs for 7 months out of pocket before you reach your deductible for the 8th month, and the policy begins to pay for the rest of the year. Some Medicare Part D policies do not have a deductible.

What are Medicare Part D co payments and co insurance?

Co payments and co insurance are payment you make to complete a prescription once you have met your deductible. The copayment is a dollar amount, for example, US $15. Should your prescription drugs amount to $55, you may pay only $15. The co insurance represents a percentage of 20%, for example. If your prescription drug costs about $ 55 and your coinsurance is 20%, you would pay $ 11.

Some Medicare Part D policies have “levels” of co payments and co insurance with different drugs at different levels. For example, if you take three prescription drugs, you may receive an unforeseen payment of $ 10 for the first-stage drugs, an additional $ 20 for the second-tier drugs, and an additional $ 30 for the Third-Tier medications.