Types of Plans
What type of Medicare Plan should I get?
Most people will look at two types of Medicare plans to help pay what Medicare alone does not cover.
- A Medigap Supplement Health Plan with a separate Prescription Drug plan. You pay a monthly premium for each policy and premiums will go up each year. It does not include extra benefits. There is No Network. Most plans do have an outpatient medical deductible and there are no copayments;
- An Advantage Health Plan where most companies include Prescription Drug Plan combined into one policy. You pay a low premium or a $0 monthly premium. The premium typically will not go up. Advantage Plan does include extra benefits such as Dental, Vision, Hearing, Meals after hospital stay, Over the counter products shipped to your home, Gym membership, Teledoc, and More. There is a Network however, in some plans you are allowed to go out of network at a higher copay. Most of these plans there is no medical deductible. There are copays.
SPECIAL NEEDS PLANS and How They Work
(these plans normally have lower copayments and more extra benefits)
You can join a Medicare SNP if you meet these requirements:
- You have Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance).
- You live in the plan’s service area.
- You meet the plan’s eligibility requirements, like one of these below:
1. Chronic Condition SNP (C-SNP): You have one or more of these severe or disabling chronic conditions: Chronic alcohol and other dependence, Autoimmune disorders, Cancer (excluding pre-cancer conditions), Cardiovascular disorders, Chronic heart failure, Dementia, Diabetes mellitus, End-stage liver disease, End-Stage Renal Disease (ESRD) requiring dialysis (any mode of dialysis), Severe hematologic disorders, HIV/AIDS, Chronic lung disorders, Chronic and disabling mental health conditions, Neurologic disorders, Stroke.
2. Institutional SNP (I-SNP): You live in an institution (like a nursing home), or you require nursing care at home.
3. Dual Eligible SNP (D-SNP): You have both Medicare and Medicaid
(Each Medicare SNP limits its membership to people in one of these groups, or a subset of one of these groups.)
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If you meet any of these requirements contact Ron for a special needs plan!
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Ron Desormeaux
Independent Medicare Plan Broker
Medicare Supplements & Advantage Plans
Phone: 337-302-2930
Fax: 833-806-2414
Email: insuranceman@post.com
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Currently, we represent 12 organizations which offer 47 products in your area. You can always contact Medicare.Gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices.