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Christopher Westfall, Sr. RFC®

Turning 65 – Best Medicare Plan

Medicare Supplement /

Turning 65 – brand new to Medicare

What a great opportunity for a new senior citizen!
Choosing the best agent to work with can make a big difference when you turn 66, 67, 68.

Most all of our clients had an agent chase them down when they were 65 years old.

Unfortunately, these agents disappeared when the rates started to go up.
Our 70 year old clients have not heard from their agent since they were 65 years old!

The difference in the automatic rate increases vs. what they could get in the market today can be a difference of $100 per month in savings or more.

Please watch this important video on turning 65 and how to pick your agent for life:

What is the best Medicare plan for someone turning 65?
By working with your independent insurance agent, like the Senior Savings Network, that is easily solved.

Call us at 1-800-729-9590 and let us help you. Our service is free.
We are completely independent and are not employed by any one insurance company.

Turning 65 – Best Medicare Plan Read More »

What does Medicare cover on Cancer?

medicare advantage, Medicare Supplement /

Medicare Advantage Plans are often Restrictive on Cancer Treatment

Be sure to check the Medicare Advantage coverage on chemotherapy. Often, it is only of the cost. 

That’s no better than just being on Medicare, because Medicare Part B already covers just 80% 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.

What does Medicare cover on Cancer? Read More »

Weiss Research: Medigap Rates Vary as Much as 1,316{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05}

Medicare Supplement /

Weiss research says that Medigap rates, on the same plans, can vary by up to 1,316{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05}.

We, at the SeniorSavingsNetwork, often save clients $1,000 per year or more, simply by shopping their existing market for all of the companies available, and there is quite a difference in the rates.

From Weiss:

Medigap policies help senior citizens cover the costs for medical care beyond those covered by Medicare itself.   Plan types range from A, the basic benefit plan, through Plan N.  The benefits within each plan are mandated by the government.

In analyzing more than 5.6 million premium rates among more than 165 insurers offering Medigap insurance in 2011, Weiss found that premium rates continue to vary dramatically among all Medigap plans.  Rates for Plan A range from a minimum of $439 to a maximum of $5,776 for a 65-year-old male. The broad ranges in premium rates for Plans A through N for a 65-year-old male are illustrated below:

 

Weiss Ratings senior financial analyst Gavin Magor commented: “For 20 years Medigap rates have varied due to regional differences in pricing methodologies, state regulations, and the cost of health care.  While we expect these differences in pricing among plans and across regions, we find that there is no justification for such wide price differences for exactly the same product in the same area.  Consumers who research their options are likely to find opportunities for significant cost savings when purchasing Medigap insurance.”

Some examples of dramatic pricing differences include:

  • In Florida, Plan C costs $4,647 with Humana Health Insurance Company of FL, but only $2,880 with State Farm Mutual Automobile Insurance Company, representing a 61{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05}  difference in cost.
  • In California, the plan would cost $5,133 with United Teacher Associates Insurance Company, which is three times more than the $1,693 with Globe Life & Accident.
  • In Maine, premiums for Plan F vary from a low of $1,916 with Globe Life & Accident to a high of $3,590 with Humana Insurance Company, representing an 87{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05} difference in cost.
  • Plan F rates in Missouri run from $955 with Old Surety Life Insurance Company to $3,002 with Standard Life and Accident Insurance Company, a 314{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05} difference.

Source: http://www.weissratings.com/news/ins_hmo/111010-medigap-rates-vary.aspx

 

To compare Medicare Supplements rates, call us at 1-800-729-9590 to get the best price on Medigap.

Weiss Research: Medigap Rates Vary as Much as 1,316{57afd372ef552335ba870edf523b8e4a4ddf98dad7cf21c72091c800f1bfac05} Read More »

Mount Pleasant Medicare Insurance | Medicare Insurance in Mt. Pleasant, SC

sc-south_carolina /

Are you looking for Medicare Insurance in Mount Pleasant, SC?

Then you have come to the right place. We specialize in the Mt. Pleasant marketplace for Medicare benefits.

SeniorSavingsNetwork.org is your one stop shop for medicare insurance quotes and agents. Whether you live in Mt. Pleasant, Hilton Head, Bluffton, Sun City, Summerville, Ladson, Ridgeville, North Charleston or elsewhere in South Carolina our agents can help you find and purchase that perfect insurance policy.

We are completely independent and can give you honest advice on the entire market, not just one company. We often save clients up to $100 per month on the same Medicare benefits, just by shopping the market for our clients.

Contact us at 1-800-729-9590 for a free, independent quote on your Medicare Supplement plan.

Mount Pleasant Medicare Insurance

Mount Pleasant Medicare Insurance | Medicare Insurance in Mt. Pleasant, SC Read More »

Hilton Head Medicare Insurance | Medicare Insurance in Hilton Head, SC

sc-south_carolina /

Are you looking for Medicare Insurance in Hilton Head, SC?

Then you have come to the right place.

SeniorSavingsNetwork.org is your one stop shop for medicare insurance quotes and agents. Whether you live in Hilton Head, Bluffton, Sun City, Summerville, Ladson, Ridgeville, North Charleston or elsewhere in South Carolina our agents can help you find and purchase that perfect insurance policy. We are completely independent and can give you honest advice on the entire market, not just one company.

Contact us at 1-800-729-9590 for a free, independent quote on your Medicare Supplement plan.

Hilton Head Medicare Supplements

Hilton Head Medicare Insurance | Medicare Insurance in Hilton Head, SC Read More »

Charleston Medicare Insurance | Medicare Supplement in Charleston, SC

sc-south_carolina /

We are Charleston’s Number One Medicare Help Center.

Over 25 years ago, we started helping people with their insurance needs.

With the web of confusion that surrounds Medicare and the 10,000+ people turning 65 every day, we soon realized there is not enough straightforward help to someone who is new to the program.

We began specializing in Medicare and grew to service over 40 states.

The good news, is we are right here in Charleston!

Call us directly:

1-800-729-9590

Local Help

We have helped thousands of people all over the country with their Medicare. While we do most of our business over the phone, some people prefer a face to face approach.

If you need help with Medicare, you have come to the right place. 

Our philosophy is to meet people where they are most comfortable.

You can call, email, or stop by. No matter what method you prefer, our job is to help you first.

One-stop Shop.

SeniorSavingsNetwork.org is your one-stop shop for Medicare insurance quotes and agents.

Whether you live in Charleston, James Island, Johns Island, Isle of Palms, Folly Beach, Summerville, Ladson, Ridgeville, North Charleston or elsewhere in South Carolina our agents can help you find and purchase that perfect insurance policy.

Independent agency.

We are completely independent agents. That means we do not work for, and recommend, only one company. We find the company that best fits YOU, our client. This can make a difference of $1,500 per year, by picking the best plan available. Medicare is not one-size-fits-all.

We would love to meet you

You can also come to visit our office. We are conveniently located just over the Ravenel Bridge in North Charleston.

Charleston Medicare Insurance | Medicare Supplement in Charleston, SC Read More »

Summerville Medicare Insurance | Medicare Supplement in Summerville, SC

sc-south_carolina /

Are you looking for Medicare Insurance in Summerville, SC?

Then you have come to the right place for independent advice and free help.

SeniorSavingsNetwork.org is your one stop shop for medicare insurance quotes and agents. Whether you live in Summerville, Ladson, Moncks Corner, Linconville, Ridgeville, Charleston or elsewhere in South Carolina our agency can help you find and purchase that perfect insurance policy.

Find an independent Medicare Supplement agent in Summerville, not an agent that works for one company. This way, you get the best advice, as Medicare is not a one-size-fits-all program.

Contact us at 1-800-729-9590 for a free,
independent quote on your Medicare Supplement plan.

Medicare Supplement Summerville

 

Summerville Medicare Insurance | Medicare Supplement in Summerville, SC Read More »

South Carolina Medicare Supplement | Medicare Insurance in South Carolina

Medicare Supplement, sc-south_carolina /

Medicare Insurance in South Carolina

Are you looking for Medicare Insurance in South Carolina?
Then you have come to the right place.

The Senior Savings Network is your one-stop shop for medicare insurance quotes and independent agents. Whether you live in Summerville, Ladson, Ridgeville, or elsewhere in South Carolina our agents can help you find and purchase that perfect insurance policy.

Give us a call at 1-800-729-9590 for the best Medicare Supplement quotes in South Carolina.

South Carolina Medicare Supplement

Give us a call and let us shop the market for you!
1-800-729-9590
– A –
Cities in South Carolina that begin with the letter “A”.
Abbeville, SC
Adams Run, SC
Aiken, SC
Alcolu, SC
Allendale, SC
Anderson, SC
Andrews, SC
Arcadia, SC
Awendaw, SC
Aynor, SC
– B –
Cities in South Carolina that begin with the letter “B”.
Ballentine, SC
Bamberg, SC
Barnwell, SC
Batesburg, SC
Batesburg-Leesville, SC
Bath, SC
Beaufort, SC
Beech Island, SC
Belton, SC
Bennettsville, SC
Bethera, SC
Bethune, SC
Bishopville, SC
Blacksburg, SC
Blackstock, SC
Blackville, SC
Blair, SC
Blenheim, SC
Bluffton, SC
Blythewood, SC
Bonneau, SC
Bowling Green, SC
Bowman, SC
Bradley, SC
Branchville, SC
Brunson, SC
Buffalo, SC
– C –
Cities in South Carolina that begin with the letter “C”.
Cades, SC
Calhoun Falls, SC
Camden, SC
Cameron, SC
Campobello, SC
Canadys, SC
Carlisle, SC
Cassatt, SC
Catawba, SC
Cayce, SC
Centenary, SC
Central, SC
Chapin, SC
Chappells, SC
Charleston, SC
Charleston AFB, SC
Cheraw, SC
Chesnee, SC
Chester, SC
Chesterfield, SC
Clarks Hill, SC
Clearwater, SC
Clemson, SC
Cleveland, SC
Clifton, SC
Clinton, SC
Clio, SC
Clover, SC
Columbia, SC
Conestee, SC
Converse, SC
Conway, SC
Coosawatchie, SC
Cope, SC
Cordesville, SC
Cordova, SC
Cottageville, SC
Coward, SC
Cowpens, SC
Crocketville, SC
Cross, SC
Cross Anchor, SC
Cross Hill, SC
– D –
Cities in South Carolina that begin with the letter “D”.
Dale, SC
Dalzell, SC
Darlington, SC
Daufuskie Island, SC
Davis Station, SC
Denmark, SC
Dillon, SC
Donalds, SC
Dorchester, SC
Drayton, SC
Due West, SC
Duncan, SC
– E –
Cities in South Carolina that begin with the letter “E”.
Early Branch, SC
Easley, SC
Eastover, SC
Edgefield, SC
Edgemoor, SC
Edisto Island, SC
Effingham, SC
Ehrhardt, SC
Elgin, SC
Elko, SC
Elliott, SC
Elloree, SC
Enoree, SC
Estill, SC
Eutawville, SC
– F –
Cities in South Carolina that begin with the letter “F”.
Fair Play, SC
Fairfax, SC
Fairforest, SC
Fingerville, SC
Florence, SC
Floyd Dale, SC
Folly Beach, SC
Fork, SC
Fort Lawn, SC
Fort Mill, SC
Fountain Inn, SC
Furman, SC
– G –
Cities in South Carolina that begin with the letter “G”.
Gable, SC
Gadsden, SC
Gaffney, SC
Galivants Ferry, SC
Garden City, SC
Garnett, SC
Gaston, SC
Georgetown, SC
Gifford, SC
Gilbert, SC
Glendale, SC
Gloverville, SC
Goose Creek, SC
Gramling, SC
Graniteville, SC
Gray Court, SC
Great Falls, SC
Greeleyville, SC
Green Pond, SC
Green Sea, SC
Greenville, SC
Greenwood, SC
Greer, SC
Gresham, SC
Grover, SC
– H –
Cities in South Carolina that begin with the letter “H”.
Hamer, SC
Hampton, SC
Hardeeville, SC
Harleyville, SC
Hartsville, SC
Heath Springs, SC
Hemingway, SC
Hickory Grove, SC
Hilda, SC
Hilton Head Island, SC
Hodges, SC
Holly Hill, SC
Hollywood, SC
Honea Path, SC
Hopkins, SC
Horatio, SC
Huger, SC
– I –
Cities in South Carolina that begin with the letter “I”.
Inman, SC
Irmo, SC
Islandton, SC
Isle Of Palms, SC
Iva, SC
– J –
Cities in South Carolina that begin with the letter “J”.
Jackson, SC
Jacksonboro, SC
Jamestown, SC
Jefferson, SC
Jenkinsville, SC
Joanna, SC
Johns Island, SC
Johnsonville, SC
Johnston, SC
Jonesville, SC
– K –
Cities in South Carolina that begin with the letter “K”.
Kershaw, SC
Kinards, SC
Kingstree, SC
– L –
Cities in South Carolina that begin with the letter “L”.
La France, SC
Ladson, SC
Lake City, SC
Lake View, SC
Lamar, SC
Lancaster, SC
Lando, SC
Landrum, SC
Lane, SC
Langley, SC
Latta, SC
Laurens, SC
Leesville, SC
Lexington, SC
Liberty, SC
Liberty Hill, SC
Little Mountain, SC
Little River, SC
Little Rock, SC
Lobeco, SC
Lockhart, SC
Lodge, SC
Long Creek, SC
Longs, SC
Loris, SC
Lowndesville, SC
Lugoff, SC
Luray, SC
Lydia, SC
Lyman, SC
Lynchburg, SC
– M –
Cities in South Carolina that begin with the letter “M”.
Manning, SC
Marietta, SC
Marion, SC
Martin, SC
Mauldin, SC
Mayesville, SC
Mayo, SC
McBee, SC
McClellanville, SC
McColl, SC
McConnells, SC
McCormick, SC
Miley, SC
Minturn, SC
Modoc, SC
Moncks Corner, SC
Monetta, SC
Monticello, SC
Montmorenci, SC
Moore, SC
Mount Carmel, SC
Mount Croghan, SC
Mount Pleasant, SC
Mountain Rest, SC
Mountville, SC
Mullins, SC
Murrells Inlet, SC
Myrtle Beach, SC
– N –
Cities in South Carolina that begin with the letter “N”.
Neeses, SC
Nesmith, SC
New Ellenton, SC
New Zion, SC
Newberry, SC
Newry, SC
Nichols, SC
Ninety Six, SC
Norris, SC
North, SC
North Augusta, SC
North Charleston, SC
North Myrtle Beach, SC
Norway, SC
– O –
Cities in South Carolina that begin with the letter “O”.
Olanta, SC
Olar, SC
Orangeburg, SC
– P –
Cities in South Carolina that begin with the letter “P”.
Pacolet, SC
Pacolet Mills, SC
Pageland, SC
Pamplico, SC
Parksville, SC
Patrick, SC
Pauline, SC
Pawleys Island, SC
Peak, SC
Pelion, SC
Pelzer, SC
Pendleton, SC
Perry, SC
Pickens, SC
Piedmont, SC
Pineland, SC
Pineville, SC
Pinewood, SC
Pinopolis, SC
Plum Branch, SC
Pomaria, SC
Port Royal, SC
Prosperity, SC
– R –
Cities in South Carolina that begin with the letter “R”.
Rains, SC
Ravenel, SC
Reevesville, SC
Reidville, SC
Rembert, SC
Richburg, SC
Richland, SC
Ridge Spring, SC
Ridgeland, SC
Ridgeville, SC
Ridgeway, SC
Rion, SC
Rock Hill, SC
Roebuck, SC
Round O, SC
Rowesville, SC
Ruby, SC
Ruffin, SC
Russellville, SC
– S –
Cities in South Carolina that begin with the letter “S”.
Saint George, SC
Saint Helena Island, SC
Saint Matthews, SC
Saint Stephen, SC
Salem, SC
Salley, SC
Salters, SC
Saluda, SC
Sandy Springs, SC
Santee, SC
Sardinia, SC
Scotia, SC
Scranton, SC
Seabrook, SC
Sellers, SC
Seneca, SC
Sharon, SC
Shaw A F B, SC
Sheldon, SC
Silverstreet, SC
Simpsonville, SC
Six Mile, SC
Slater, SC
Smoaks, SC
Smyrna, SC
Socastee, SC
Society Hill, SC
Spartanburg, SC
Springfield, SC
Starr, SC
Startex, SC
State Park, SC
Sullivans Island, SC
Summerton, SC
Summerville, SC
Sumter, SC
Sunset, SC
Swansea, SC
Sycamore, SC
– T –
Cities in South Carolina that begin with the letter “T”.
Tamassee, SC
Tatum, SC
Taylors, SC
Tigerville, SC
Tillman, SC
Timmonsville, SC
Townville, SC
Travelers Rest, SC
Trenton, SC
Troy, SC
Turbeville, SC
– U –
Cities in South Carolina that begin with the letter “U”.
Ulmer, SC
Una, SC
Union, SC
– V –
Cities in South Carolina that begin with the letter “V”.
Van Wyck, SC
Vance, SC
Varnville, SC
Vaucluse, SC
– W –
Cities in South Carolina that begin with the letter “W”.
Wadmalaw Island, SC
Wagener, SC
Walhalla, SC
Wallace, SC
Walterboro, SC
Ward, SC
Ware Shoals, SC
Warrenville, SC
Waterloo, SC
Wedgefield, SC
Wellford, SC
West Columbia, SC
West Union, SC
Westminster, SC
Westville, SC
White Oak, SC
White Rock, SC
White Stone, SC
Whitmire, SC
Williams, SC
Williamston, SC
Williston, SC
Windsor, SC
Winnsboro, SC
Woodruff, SC
– Y –
Cities in South Carolina that begin with the letter “Y”.
Yemassee, SC
York, SC

South Carolina Medicare Supplement | Medicare Insurance in South Carolina Read More »

How will Obamacare Impact Medicare Advantage?

medicare advantage, Medicare Supplement /

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.

How will Obamacare Impact Medicare Advantage? Read More »

What is Medicare Advantage?

Medicare Supplement /

A Medicare Advantage Plan, in general, is similar to an HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization). Most of these plans require you to use the providers in their network, except emergency care, out-of-area urgent care, or out-of-area dialysis).

Medicare Advantage Plans are offered by private companies approved by Medicare. You will get your Part A (hospital insurance) and Part B (medical insurance) coverage from the Medicare Advantage Plan and not original Medicare.

These plans must cover all of the services that original Medicare covers except hospice care. In the case of hospice care, original Medicare covers it even if you’re in a Medicare Advantage Plan. These plans are NOT supplemental coverage.

Medicare Advantage Plans may offer extra coverage that original Medicare does not cover, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). In addition to your Part B premium, you usually pay a monthly premium for the Plan, but not always.

You want to be sure and understand all the different aspects of each plan you are considering before making a final decision, as there are many variations in these plans. You may want to view the Medicare Plan Finder to find plans in your area. Remember the benefits are the same when comparing plan to plan. For instance, Plan G with one company is the same as Plan G with another company, even though the premiums differ.

If you are in a Medicare plan, review the EOC (Evidence of Coverage) and ANOC (Annual Notice of Change) your plan sends you each fall. The EOC gives details about what the plan covers, how much you pay, etc. The ANOC includes any changes in coverage, costs, or service area that will be effective in January. If you don’t get these important documents, contact your plan, because any changes must be made from October 15 to December 7, unless there are special circumstances such as moving out of the plan’s service area, obtaining Medicaid, moving to an institution (like a nursing home).

What is Medicare Advantage? Read More »

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