Medicare has FOUR parts

Part "A" = Hospital Insurance

Part "B" = Medical Insurance

Part "C" = Advantage Hospital / Medical Plan (Managed Care) Only Physicans and Hospitals in the plan.

Part "D" = Medicare Prescription Drug Plan

ORIGINAL MEDICARE is still an option :
Medicare pays 80 % of reasonable and customary charges (R&C) -- Also you are allowed to go to any physican and hospital you wish. If the physican, Laboratory, X-ray and other providers are willing to take 80% as full payment, then charges will end at this point. Otherewise you would need to pay CASH or buy a Supplemental Plan for the remaining 20 % of reasonable and customary charges (R&C). Ask your Providers, which you see most often, about Medicare Assignment as paid in full. WHY COSTS ! There are many Supplemental Plans and Advantage managed care plans. Do your homework regarding all the premiums.

Medicare-eligible clients have several options, depending on where they live.

They can:

Elect Original Medicare
Elect Original Medicare and add drug coverage with a Medicare Part D Prescription Drug Plan
Substitute a private Medicare Advantage plan for Original Medicare
Substitute a private Medicare Advantage plan that also includes Medicare Part D Prescription Drug coverage in place of Original Medicare (resulting in an "MA-PD" plan)
Elect Original Medicare, add a Medicare Supplement insurance plan to pay for any gaps in coverage and add drug coverage with a Medicare Part D Prescription Drug Plan

What are Medicare Supplement policies?

Medicare does not cover all health bills. So Medicare Supplement policies offered by private health insurers help fill in those gaps: things like co-pays, deductibles for hospitalization and doctor visits. That’s why you’ll hear "Med Supp" called "Medigap." There are a variety of plans — Plan A through N — but each plan is standardized. Every carrier’s Plan F, for example, offers the same benefits. But prices vary by carrier.

Physicans, Why refer your clients to Medicare BackOffice?

Medicare BackOffice has dedicated insurance advisors who are licensed, contracted and certified in all 50 states to provide Medicare advice and products. We’re the experts, with an excellent reputation. Our goal is to analyze your clients’ needs and find the Medicare health plan from an "A"- rated or better insurance carrier that is right for them, at a competitive rate.

Product offerings

Medicare Supplement Plans

Feature predictible monthly premiums that help budget yearly out-of-pocket health care expenses
Cover 100 percent o
Offer year-round enrollment
f Medicare deductibles and co-insurance
Do not restrict clients from continuing to see their current physician, as long as doctor accepts Medicare assignment

Medicare Advantage Plans

Feature monthly premiums as low as $0 per month in some areas
Require co-pays and deductibles when treatment is received
Some reduce out-of-pocket expenses when treatment is through a network provider
Limit enrollment to certain times of the year, unless there is a qualification for an exception
Most include Medicare Part D Prescription Drug coverage

Medicare Part D Plans

Provide stand-alone prescription drug coverage
Limit enrollment to certain times of the year, unless there is a qualification exception
Already included in some Medicare Advantage plans
Can limit clients’ options and penalize them if enrollment is delayed