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Healthcare Insurance

Medicare Summary Notice (MSN)

The Medicare Summary Notice (MSN) is a summary of health care services and items you have received during the previous three months. The MSN is not a bill. The contractor that processes your claims for Medicare will send you the MSN, so it may have the name and address of

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Participating, non-participating, and opt-out providers

If you have Original Medicare, your Part B costs once you have met your deductible can vary depending on the type of provider you see. For cost purposes, there are three types of provider, meaning three different relationships a provider can have with Medicare. A provider’s type determines how much

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Comparison: HMOs and Original Medicare

There are several differences in costs and coverage between Original Medicare and Health Maintenance Organizations (HMOs). The table below compares these two ways of getting Medicare benefits. If you are interested in joining an HMO, make sure to speak to a plan representative for more information. Original Medicare Medicare HMO

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HMO costs and coverage

Health Maintenance Organizations (HMOs) must provide you with the same benefits as Original Medicare but may do so with different rules, restrictions, and costs. HMOs can also offer additional benefits. Below is a list of general cost and coverage rules for Medicare HMOs. Remember to speak to a plan representative

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HMO basics

Medicare Health Maintenance Organizations (HMOs) are private plans that the federal government pays to administer Medicare benefits. Like all Medicare Advantage Plans, HMOs must provide you with the same benefits, rights, and protections as Original Medicare, but they may do so with different rules, restrictions, and costs. Some HMOs offer

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Six things to know about Fall Open Enrollment

Fall Open Enrollment is the time of year when you can change your Medicare coverage. You can: Join a new Medicare Advantage Plan or stand-alone prescription drug plan (Part D) plan Switch between Original Medicare with or without a Part D plan and Medicare Advantage Listed below are six things

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Medigap vs. Medicare Advantage

Know the difference before you choose Original Medicare is the familiar program that’s been around since 1965. In original Medicare, the government pays Medicare’s share of your medical bills directly to doctors and hospitals. You can go to any doctor or hospital anywhere in the country that accepts Medicare reimbursement.

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How to choose the best Medigap plan

What you need to know about Medicare supplements Medigap health plans are basically bookkeeping operations. Unlike Medicare Advantage plans, Medigap plans don’t make any decisions about what to cover. They don’t have networks of doctors or hospitals. All they do is pick up a specified share of your medical bills

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What does the letter after my Medicare number mean?

The Social Security number followed by one of these codes is often referred to as a claim number. Social Security assigns these codes once you apply for benefits. These letter codes may appear on correspondence you receive from Social Security or on your Medicare card. They will never appear on

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Saving money on health costs: get Extra Help

Have you ever found yourself skipping a day of your medication or cutting your pills in half to make your supply last a little longer? Or, have you put off filling a prescription because you’re having trouble making ends meet? If so, we can help. Medicare has a special program

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