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My goal with this newsletter is to:
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1
Keep You Informed
I will be sharing current articles about the changes in Medicare.
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2
Answer Your Questions
I'm available to answer issues specific to you.
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3
Stay Connected
I want to make Medicare coverage as simple as possible.
(858) 935-9120
Birthdays
- Elizabeth Mc
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- Cheri W
- Bruce B
- Michel D
- Arlette K
- Melissa S
- Jimmy L
- Floyd S
- Michele H
- Lora S
- Christine C
- Kent P
- George Z
- Carol R
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- Mark W
- Cheryl Mc
- Steven H
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- Linda B
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- Bill N
Referrals
- Mike H referred Larry K
- Robin B referred Steven P
- Janean S referred Mark W & Dave A
- Mark B referred Dana C
- Caroline H referred Paula L
- Bill N referred Patricia S P
- Nate S referred Ethyann A
- Nasrollah B referred Linda B
- Dennis F referred Randy B
We try hard to recognize every referral but if we missed anyone, please let us know.
Just send us a quick email so that we can acknowledge you. We want all of you to
know that it is our privilege to serve you.
The greatest compliment you pay us is the referral of your family and friends. Thank you!!!
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Do I Have Additional Benefits?
As I speak with more and more clients who have been on Medicare for a while, I realize that
many of them either do not know they have added benefits, or they have forgotten that they
do. You cannot believe how many times a week I get emails or calls asking "Do I have dental
coverage? If so, is my dentist in-network? Is it HMO or PPO dental? What am I covered for?
Etc, etc. The same thing with vision coverage. Or perhaps the person knows they have some
coverage, but they have no idea that they can't just go to any eye doctor, dentist or
chiropractor. Then the next call is invariably, "Hey, I went to see Dr. Smith, had an eye exam
and got new glasses, and then I got a huge $600 bill! What's up with that?"
Almost all Advantage plans have at least vision and hearing coverage, and some may also
have transportation, no-cost gym memberships, chiropractic and/or acupuncture, Over the
Counter benefits, podiatry, and more. Each insurance company (ex: UnitedHealthcare,
SCAN, Humana, Blue Shield, etc.) has their own set of additional benefits for each plan. Each
of the Advantage plans they offer has a certain network of doctors they will get you to see (if
they are an HMO). Also, many of the Supplements - Plan F (Fabulous), Plan G (Great) and
Plan N (Nice) - are now providing more benefits, and you may not be aware. Some of these
Supplement plans may provide a straight Plan F or G or N, with NO added benefits, and
perhaps a Plan F Extra or G Extra, that DO have added benefits, but the monthly premium is
higher.
So how do you know what extra benefits you are entitled to, what is covered, and where to go to get the services?
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Each year your Insurance Company will send you an Annual Notice of Change (ANOC) for
your specific plan. Inside you will see a listing of services and their copays for the current
year, and the following year.
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The Enrollment Guide that was given to you when you first enrolled in your Medicare
Advantage plan, should also highlight what additional benefits you are entitled to, what your
copays will be, and usually somewhere in the guide will also be a listing of the providers for
each service and their contact information - phone number(s) and website addresses.
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You can call the Member Services number on the back of your insurance card, and they
can either verbally assist you, or email or mail you detailed information on the added benefits.
They can also help you figure out if your doctor or dentist is in the network and covered by
your plan.
- You can call me at 858-935-9120 , or email me, and I will send you the pertinent information.
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