Get Your Benefit Questions Answered

Medicare Doesn't Cover everything. Some of the items and services Medicare Does Not cover include:

• Long-Term Care (also called custodial care ) - Trend is to purchase Home Health Protection Policies due to the sky-high cost of LTC policies.

• Most dental care - Trend is to purchase stand alone dental or 3-in-1 low premium dental/vision/hearing policy.

• Eye exams related to prescribing glasses - Trend is to purchase a stand alone 3-in-1 low premium dental/vision/hearing policy.

• Dentures -  Trend is to purchase a stand alone 3-in-1 low premium dental/vision/hearing policy

• Cosmetic surgery  - Trend is to self pay since there is nothing in the marketplace for senior cosmetic surgery insurance

• Hearing aids and exams for fitting them - Trend is to purchase a stand alone 3-in-1 low premium dental/vision/hearing policy

• Routine foot care - Trend is to self pay since there is nothing in the marketplace for senior routine foot care insurance

• Limitless 20% Coinsurance under Part B - Trend is to purchase a Medigap policy 

• Costly Hospitalization(Deductible & Coinsurance for Part A) - Trend is to purchase a Medigap policy

• Co-payments for Part A & B - Trend is to purchase a Medigap policy

There are over 4,000 different service areas for Medicare Advantage Plans in the U.S. Medicare Savings has partnered with Medicare Advantage specialist, Medicare BackOffice(MBO),  based out of Omaha, NE. They help  service all 50 STATES for Medicare Advantage Plans in your area. To get to the front of the line this Medicare Season use our direct referral link contact form.  "Michael Fischbach"  & "Mike@MedicareSavings.US" will be auto-filled in the form to ensure you are helped specifically for Medicare Advantage in your area.

There are 2 main ways to choose your Medicare Path(pg 5-6) for your healthcare insurance. There are BIG differences in claims payment of your hospital and medical bills(EOB's) when choosing your Medicare path. It is your right to choose wisely but there are pitfalls & Costly Medicare mistakes you will want to avoid on either choice. Learn more

1. Original Medicare(Part A&B) is the largest "Primary Insurance" Payor in the U.S. This is known as Fee For Service(FFS) claims payment model. Original Medicare(aka Traditional Medicare) has been offering primary insurance since 1966 to 100's of millions of beneficiaries for 56+ years. This is the most robust national fee-for-service health insurance program. Nationwide health care providers and hospitals acceptance as "Primary Insurance".  U.S. health care providers that accept "assignment" have the authority to provide you the medical services and supplies you need. Direct patient and provider relationship with the benefit of timely claims billing & payment( Properly coded & billed medical services & supplies to the Centers of Medicare and Medicaid Services(CMS)  and claims payment by a regional Medicare Administrative Contrator(MAC).  

2. Medicare Advantage(Part C) is the optional alternative to Original Medicare. All-in-one private healthcare insurance plan which many bundle Part A & B services and/or include Part D(Drug) coverage. Many are attracted to their "$0" or low premium plans. However, you have chosen a private health insurance company to manage your healthcare cost with the ability to audit your medical services and supply claims.  Some auditing mechanisms like "Prior-Authorization",  "Gatekeepers" needed for doctor's referrals and a limited medical service area(In and out of network) are some of the main concerns we hear from beneficiaries. However, Medicare Advantage has grown in enrollment to 42% market share throughout the United States. Beneficiaries like using 1 ID card for doctors, hospitals and pharmacy. However the Max Out-Of-Pocket(MOOP) has been steadily rising($11k for 2022 for a number of MA Plans).

Millions of folks Do Not shop even when their rate increases over time. Learn How to SAVE $1000's in retirement dollars.
New to Lowering Down your Medigap Plan Premium? 3-Min Read Linkedin News Article
Get your Hassle-Free Medigap Plan, Company and Rate(s) Information via phone or email with us. Please Help us to Help you with your Medicare Situation. Fill out our secure survey on our Contact us page to receive personalized free help with an agent licensed in your STATE.  

Medicare Supplement(Medigap) Insurance Letter Plans are extremely popular to buy to help fill in the gaps with Original Medicare. These Medigap plans essentially make your Original Medicare benefits comprehensive with nationwide coverage. Compare Medicare Supplement Letter Plans with market value rates from Medicare Savings. Millions of beneficiaries according to Reuters deem Medigap plans along with your Original Medicare, the "Gold Standard" for baby boomers & retirees' healthcare coverage.

 If you own a Term Life Policy but aging out(70+) of the plan, then talk to our Life Insurance specialists. We can help you shop to keep the SAME Life Coverage Amounts you are use to having. Talk to us about the "Best Life Insurance for Seniors".

Medicare Has Rules! Beneficiaries can Shop for different Coverage options during designated Medicare enrollment periods. Call 1-888-608-0654(Medicare Savings) for Medicare enrollment help for your situation. Depending on your situation, you could SAVE $1000's.  We help reduce Medicare Supplement(Medigap) Premiums 12-months out of the year, reduce stand alone Part D Premiums during the Fall Annual Enrollment Period and even help Medicare Advantage Plan member stay in-network to avoid Max Out-of-Pocket Limits.

 We Love Client Referrals!  Help US to Help your friends or family members SAVE on their Medicare journey.