All posts by Marlene Peters


Medicare AdvantageMedicare Advantage plans have boomed in the last decade. Not only have they taken a step further in providing extra benefits and services to its clients but also reducing the cost of the monthly premiums. The medicare advantage plans are provided by private health insurance companies. These private companies first have to be insured by medicare. Along with managing part A and B of the medicare they also provide part C of the Medicare plan as well. Humana is one of the biggest insurance companies in the United States, established in 1961. Along with providing one of the most beneficial plans, they are affordable and insures less out-of-pocket expenses as well. Humana Advantage plans offered in Sparks are discussed below.


  1. Humana Choice H5216-039 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $0. The annual deductible for the plan is $1500, along with a maximum out of pocket expense of $6700. While visiting your primary doctor you have to pay a copay of $10 for an inside the network doctor. It would cost you 50% coinsurance for referring a doctor out of your plan’s network. The plan also covers your prescription drugs, with a deductible of $400. The deductible is applicable to the preferred brand, non preferred drug, and specialty tier. For generic and brand name you have to pay a coinsurance of 25%. The plan also provides cardiac and pulmonary rehabilitation services, occupational therapy services, as well as speech therapy services. The plan also covers up to 100 days of Skilled Nursing Facility.


  1. Humana Choice H5216-194 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $0. The plan has an annual deductible of $1500 and a maximum out of pocket expense of $6700. While visiting a primary health care provider, you have to pay a copay of $5, and for a specialist, a copay of $45 has to be paid. Along with this plan also provides prescription drug services, with a deductible of $365. The deductible is applicable to preferred brand, non-preferred drug, and specialty tier. For generic and brand name drugs you have to pay a coinsurance of 25%. The plan also covers your annual lab tests, radiology scans, outpatient surgery as well as rehabilitation services.


  1. Humana Honor (PPO)

With an overall rating of 4, the Humana honor plan has a monthly premium of $0. It is a preferred provider organisation plan, which lets you choose a healthcare provider of your choice. In this plan, you don’t even have to get a referral to see any special doctor. The plan has an annual deductible of $1000, and an out of pocket maximum of $6700. Under this plan, you also have to pay a $20 copay for visiting your primary doctor, and a 20% coinsurance for visiting a specialist. Humana Honor plan provides added services like dental coverage, oral exams, vision care, hearing services, and chiropractic services. You are also entitled to fitness, and over the counter benefits. However, the plan does not cover prescription drug services and you have to enrol in a Part D plan separately.

Annual Open Enrollment Period and Medicare Advantage

MA members are in their annual ‘Open Enrollment Period’ from January 1 to March 31. This period applies to those who are currently members of MA or persons who wish to become members of MA. They will have the ability to switch into or out of a Medicare Advantage plan, but cannot enroll in Part D-controlled drug insurance for the first time, exit Part D, or replace a Part D independent prescription plan with other. Are you taking advantage of a great opportunity that exists in the coming months of 2019 and beyond with active members of Medicare Advantage (MA)? You will notice that thousands of seniors across the country continue to enroll to become members of Medicare Advantage as the New Year approaches, but they may want to change their status. Are you ready to help them?

Medicare Part C is Medicare Advantage. Since 1997, seniors have the option of enrolling in Medicare private insurance. The provider of the plan gets their premium for Part B and an extra Medicare value for each member. These plans shall insure at least what is covered by parts A and B. It’s worth taking a few more minutes to make sure you’re covered in a way that keeps you comfortable. Parts A and B are known as original Medicare. The first benefits were paid in 1966 while it was developed in 1965 to assist the elderly with medical fees. It is a health policy of the government which insures most of your medical expenses. Coverage gaps exist and a lot of senior citizens use Medicare supplement insurance plan to insure all or some of the gaps. This creates a situation whereby their medical expenses can be forecasted and tracked from one month to the other and from one year to another.

Always check your provider’s directory to ensure that not only your specialists are in the plan, but also that local hospitals are included. It is hospital coverage that could cause a big dent on your finances should your stays not be totally covered. With some simple tips, you will find that choosing the right Medicare Advantage plan will not be the arduous task you might expect. Remember that the right choice will help you find peace of mind next year. Although not all Medicare Advantage plans include Part D prescription drug coverage, most are likely to offer them. Make sure that the medications you take regularly are covered, as many older people are unpleasantly surprised to find that the plan they apply for does not cover the prescriptions they need.

Homeowners Insurance Quotes

Whatever the case, whether you are in search of a home or you already own one, you will need insurance for your house and its contents. There are lots of factors which decide the amount to be paid and the amount of deductible you may need to pay if something goes wrong in the home. You can find the best real estate insurance quotes on the internet. The average cost differs from one state to the other and, in certain cases, varies from city to city. It is imperative to have an estimate of the total cost of everything so you can start planning your family budget. The more secure your home is of any kind of threat from fire thieves, the more court you can get in your prize.

One way to make sure you get affordable housing insurance is to keep good credit. If your credit score is not the best, it is time to start making improvements and ensure that all monthly payments are on time. If your debts are out of control, think of a credit repair service or a debt management scheme. The more you show that you are making effort to improve your financial situation, the better. What about the other people who live on your property? If you are a tenant or roommate, you will need a distinct kind of plan. However, if you are a blood relative, the best homeowners insurance plan will automatically insure all residents of the house who are related to you by blood, marriage or adoption.

Do not make the mistake of underestimating your home. There are some things that you simply cannot change, such as your location. It is a fact that the premium on insurance is more in states like Louisiana and homeowners insurance Florida and is least expensive in some states. In addition, the level crime in the city or area in which your home or condominium affects the types of contributions you will also receive. The best real estate insurance companies allow you to see a summary of your coverage and even provide a sample of a policy when you register before making your final decision. You should have the opportunity to edit your coverage and your policy settings, such as the start date and the deductible. Cancel your policy in the best home insurance companies. You should also be able to cancel your policy at any time. Some companies even issue a refund for the remaining period for which you paid.

Medicare Advantage- Pathway to Optimal Health

Furthermore, let’s discuss what features are built into the Medicare Advantage plan for different insurance companies.

AARP Medicare Advantage
Medicare Advantage plans AARP Medicare Advantage plan is available through United Healthcare. These plans include Medicare Part A, Part B and Part D. Along with receiving great coverage, United Healthcare has a lot of hidden incentives for insured enrolled in Medicare Advantage. For example, they have a Rewards Program for preventative care appointment. Every time an individual visit their Primary Care Physician they will receive points that will eventually turn into a reward. Moreover, free vision and dental annual screenings are available with most Medicare Advantage plans. The vision care benefits include a free pair of designer eyeglasses. By providing these aforementioned benefits, individuals could avoid purchasing a separate vision or dental plan if there are no pre existing issues. Under the Humana HMO Medicare Advantage plan, there is no deductible and low copayments for doctor visits with in-network provider. Most of the plans offered by Humana HMO plan includes prescription drugs, low monthly premiums, emergency coverage nationwide, free preventative health screenings and enrollment in the Silver Sneakers program. The Silver Sneakers program provides free across to over 14,000 gyms. This program was designed to help elderly Medicare recipients live a healthy life.

Blue Cross Blue Shield -Medicare Advantage
Blue Cross Blue Shield is a Medicare Advantage plans  insurance company that makes sure quality healthcare is available to all insured at a reasonable price. These plans offer the following key benefits: membership in Silver Sneakers Program, free preventative health screenings for hearing, vision and dental services. This plan also offers mental health services and ways to have doctor visits online. Before choosing a Blue Cross Blue Shield Medicare Advantage Plan, please speak to an insurance agent to discuss plan in detail to make sure you are choosing a plan that fits your specific health needs.

Medicare Advantage is an effective, economical insurance option for individuals 65 years of age and older. This plan can be considered a “one-stop shop” for health care needs, free fitness access, preventative health screenings and prescription drugs. Also, some plans offer free transportation to doctor’s appointments, free home meal delivery after hospitalization and Rewards programs as an incentive to continue living a healthy life. Enrollment in this plan will help elderly individuals reach long term health goals because quality health care is provided as well as tools to reach optimal health are readily available.  Get Medicare Advantage plans  to save.

Medicare Part A and Covered Services

Medicare supplement plansMany people who buy more expensive plans with an extensive list of benefits never really use what they are paying for. The Medicare A Supplemental Plan provides benefits for Medicare Part A covered hospital services and selects the covered medical services and Part B deductibles. To cover the coverage gap in Part A, hospitalization is addressed, the admission to a skilled nursing unit and palliative care. Medicare Part Prescription Policies are plans approved by Medicare offered by private insurance firms. They differ in terms of monthly premium, deductible and copayment. Each plan has a unique way. A formulary is a list of medications that the plan covers and where the specific drug fits the co-participation plans. Drug plans go with Medicare supplement plans.

It is important to note that holders of existing Plan J policies that are not affected by the above will be subject to what is called a “closed commercial block”, which means that a new policy will not be offered after the date of January 1 eligibility. June There is considerable speculation that Plan J coverage rates will increase as a result of the above. While this makes sense to some, the impact on current policyholders has not yet been observed. As an independent agent, Medigap – Medicare Supplement Insurance and senior insurance specialist, I see the importance of accurate information everyday. Making the right decision depends entirely on obtaining knowledge and understanding of your options.

Many of my clients have told me that their search for information has resulted in a flood of calls and emails from dozens of insurance agents, making them frustrated and even more confused. This can be so overwhelming that they simply give up, losing the opportunity to know an option that can improve their situation and save money. If you are not satisfied with your annual Part B deductible, you must pay approximately $907 for a hospital visit. As you can imagine, for those who are diagnosed with a major medical problem such as cancer or diabetes, they are likely to accumulate thousands of dollars in medical bills for a few weeks. Your lifelong savings may disappear overnight. If you don’t have a lot of money, you can buy Medicare supplement insurance to prevent such disasters. With expert advice and the online quote engine, you can easily know and understand all your options. It is essential to research everything and compare insurers in your area to see which offers the most competitive Medigap insurance rates you want.

Health Insurance in Tampa

Health insurance in Florida that satisfies your health requirements is very important. In recent years, the premium of Florida health coverage has been increasing. Due to the high cost, the number of insured in Florida continues to increase. The state government and some Florida nonprofit organizations have struggled to reduce the cost of health insurance to provide medical care to those who need it most. Florida short term health insurance is for individuals and groups. Not only does it protect you, but it also gives you access to quality health services. Florida health insurance provides medical coverage for children under 19, pregnant women, freelancers and families.

Because it offers low costs, high amounts of coverage and a quick purchase process, short-term health insurance plays an important role for people who urgently need medical coverage. Those who suddenly do not have a job or recently graduated from college can now console themselves with the fact that they can also receive a limited form of medical coverage in the event of a medical situation. Thanks to the many benefits of short-term health insurance, these people and others are now adequately protected in emergency situations.

If you are looking for low cost health insurance in Tampa, you can follow this approach. However, it is also important that you choose an insurance plan that offers sufficient coverage. Therefore, before requesting health insurance quotes in Tampa, you must ensure that the short term health insurance plan in question has sufficient coverage for you and your needs. Sign up with to get plans.

While the Tampa health insurance quote request methods are good, you may prefer one over the other. If you want to get more than one health insurance quote in Tampa, but you don’t want to spend time researching several Tampa insurance companies, let alone all your insurance plans, you should at least check the health insurance quotes websites from Florida These sites, as mentioned above, will provide various price estimates or health insurance quotes with a simple form.

The Internet allows you to request several health insurance quotes in what may seem like a short time. There are two ways to do this. One way involves finding the websites of Florida health insurance companies. You can easily find these sites by performing a standard internet search. Once on the website of a Florida health insurance company, you can request a free Florida health insurance quote. You can get an answer in just a few minutes. As a reminder, the more quotes you request, the more insurance plans you will have to compare.

Consider as many Supplement Plans as possible

There are a high number of Medicare supplement plans to consider; the standard ones labeled A through L, which offer much the same coverage from provider to provider. The rate of premiums will be the only major difference really, so rather than choosing a company which has a good name, it may be better to work with one that feels better. A Medicare supplement needs to be thought about above all else, so it is important not to go with the first coverage which comes through the inbox or mail box. It is perfectly fine to make an appointment with an agent, and discuss what they have to offer, but signing up should always be after multiple plans have been discussed.

Plans A up to plan J have higher premiums, more rewards, and cheaper out-of-pocket bills. Basic rewards include Part A & B of Medicare co-insurance or co-payment, and 3 pints of blood. Additional benefits may include Medicare Part A and B deductibles, foreign travel emergency services, Medicare Part B excess charges, preventive care, at-home recovery, Skilled Nursing Facility co-insurance, and some companies may provide insurance for prescription drugs.

As always, you should consult a professional, to go over all the benefits, and help you find the best plan, at the best price, for your particular situation. For people over the age of 65, there can be nothing more stressful than dealing with Medicare. If health insurance for seniors was as easy as simply registering for the government program, then there would be no problems. Unfortunately, the government program does leave a gap. You have probably heard various specialists and professionals in the healthcare industry talk about this gap. What they are referring to is the fact that Medicare does not cover costs such as deductibles and co-pays. The good news is that the private insurance providers offer Medicare supplement plans. These are federally regulated plans that are meant to help you pay for the extra costs that Medicare does not cover.

Medigap policies no longer cover prescription drugs. You cannot have both Medicare Part D and Medigap drug coverage at the same time. If you have a Medigap policy that covers drugs and a Medicare Prescription Drug Plan then you have to inform your Medigap insurance provider to remove the drug coverage from your policy. Though Part D coverage of Medicare is of more benefit than Medigap drug insurance, you can choose to keep your Medigap plan with prescription drug insurance. Interested in Medicare Supplement plans in 2020? Get quotes by visiting and save money.

Changes to the Medicare Advantage plan

Doctor Fix is ​​part of a 10-year plan to reduce Medicare Advantage plan expenses by $ 156 billion. For those with MA plans, they know that funds are already scarce. While premiums increase only slightly, there will be other cuts in the way of MA plans. This includes new plans related to provider payment. There is new legislation (well, new for you and me) that will stop medical cuts for now, but will contain a new formula. This method will be the means by which Medicare decides payment to individual providers. Doctors will be assessed in various areas designed to assess the quality of the provider. Currently, doctors pay a flat rate to care for patients and flat rates for the different services they provide. Some people prefer to pay more each month for security than other medical costs can be controlled. Others prefer to pay less each month and deal with out-of-pocket costs as they arise. With so many options, it may seem very difficult to determine which plan will be the best.

Medicare health plans are expected to see an increase in membership

Right now, only about 25 percent of those who qualify for Medicare Advantage plans 2020
gets the benefits via one of the Medicare Advantage Plans for 2020 of Medicare. Meanwhile, with the fall in premiums, private insurers expect an increase in enrollment in 2012. Medicare beneficiaries will pay around 25% for their prescriptions after paying a deductible until they reach catastrophic coverage. Then, they will only pay 5% and will no longer have to pay the full price of the prescriptions, except during the deductible period.

Some parts of the legislative reform are designed to improve the quality of medical care and avoid the need for hospitalization by supporting preventive care. The project eliminates co-payments and deductibles for preventive care and provides coverage for annual checkups. Hospitals will also receive incentives to ensure that people are ready to return home when they are discharged and to avoid unnecessary readmissions. Doctors will be encouraged to coordinate the care that patients receive from different specialists to eliminate treatment gaps.

Medicare savings to extend Medicare benefits in almost a decade

The health care reform project has had more

savings over the next decade. Most of these savings are the result of annual reductions in payments to home health agencies, hospitals and specialized nursing centers. The annual increase would be reduced by a productivity factor to encourage suppliers to be more efficient. This describes a “default plan.” Many of the prescription drug providers offer better benefit plans that precede the deductible and substitute copayment plan, rather than 25% coinsurance. Generic drugs are available for much less than brands with these plans. There is a fine of 1% per month, which uses the average national non-enrollment/late enrollment premium, which is assessed while remaining in the plan.

Health Insurance Benefits

When a person travels any distance many times a year, it is wise to have additional insurance in case of any type of accident that may occur. Some credit cards will have agreements for free accident insurance to those people who have reserved tickets to fly on any airline. Every credit card company will have different allowances for this coverage. It is wise to have your own personal life insurance and accident insurance, in case, the credit card company’s insurance is not sufficient. Sometimes things happen in our lives and we are unable to take that trip that was planned. It is wise to invest in a cancelation insurance policy, in case this happens to you.  Get quotes for short term health insurance.

The cost of any health insurance plan can vary greatly in premium expense from one insurance company to another. It is wise to not always consider the least expensive as the best one for you. One really needs to study each plan and each company to see what they offer in benefits and monthly costs. Since one is purchasing a policy to cover their health needs, if there is to be a medical emergency, they might not be so reliant on the cost of the policy. Their health is the most important thing to consider and what the policy benefits may be. The future holds many experiences to go through and one would not like to find that if an illness or accident happens to them, they do not have the proper insurance coverage to pay for their particular medical issues. Those that have health insurance coverage by their employers are ahead of the game. Still they really need to see if those plans will cover any problem that may occur during their employment.

Cheaper insurance and higher deductibles may not be the answer for some people. Paying more for their premiums and having lower deductibles may seem just right, when a catastrophic accident takes away their earning power and the lower deductible, the less that has to come out of their pocket, is easier for them to handle. The young people have no idea what a terrible illness or accident could do to their lives, especially if they do not have the help of medical insurance to help pay for these problems. They don’t really realize when they go for employment, how important these benefits are to their wellbeing. Having someone to advise them when they are first starting out in the job world would be very helpful.

An increase in Medicare Advantage plan premium

An increase in Medicare Advantage plan premium

Beneficiaries who choose to stay in the same Medicare Advantage policy from 2010 can expect an average premium increase of 32%, although the magnitude of the increase obviously varies from one plan to another.  Therefore, beneficiaries may be interested in reviewing and comparing the coverage of their health care options, while considering provider networks, premiums, cost-sharing, benefits, and to select the most appropriate option to meet their separate needs and circumstances.

The open enrollment period for Medicare Advantage plans and prescription drug plans for 2011 is November 15 to December 31, 2010. You can find hundreds of different types of these plans across the country, with different coinsurance, franchises and prizes, so the posters are doing you some help by making early purchase.As of 2011, you will no longer have the traditional time period from January 1 to March 31 which you can make additional changes after registering at for Medicare plans. This makes it even more important to compare all your options.

The Centers for Medicare and Medicaid Services (CMS) recently published information about plans that will be available in 2010. On average, Medicare beneficiaries will be able to choose from more than 30 Medicare Advantage plans in 2010, some will have up to 73 different plans to choose from. Your area The combination of plans offered will change as operators respond to current and anticipated program changes.Companies that leave the PFFS market continue to offer coordinated assistance plans (mainly HMOs) and new plans of various types. Some companies, such as Kaiser Permanente, will not make changes to their offers in 2010. Kaiser Permanente will continue to offer health plans and costs policies.

Less applicants for MA-PD will be in plans without adjudication in 2010 than in 2009 if they remain in their plans. However, a non-premium plan may not really provide the best value for subscribers because direct fees are affected by a combination of cost-sharing requirements, premiums, and covered benefits.There is more to determine your actual cost than finding a plan with the lowest premium. And if you really think about it, money should not be your first priority when comparing plans.

When comparing Medicare benefit plans, you should know what features are the most important to consider. This includes the Summary of Benefits, the Provider Directory and the Part D formulary (for drug coverage plans). The Summary of Benefits goes well beyond the literature highlighted in the application kit. You can find out what your costs will be for any covered service. With this information, you can evaluate how you use health services while evaluating your current health to estimate your annual costs.