You have questions about Medicare. Who has the BEST Medicare plans? Everyone has an opinion, but who should you trust? Don't waste time. Ask an expert. A Georgia Medicare Expert. I am constantly amazed at the number of folks who will visit a consumer forum such as Clark Howard, or ask questions on the AARP Community Forum.
There are always people on public forums who have no life and seek to feel important by answering questions about things about which they know nothing.
The responses that blow me away are those that start with "I don't know the answer, but if I were you I would . . ."
If you don't know the answer, why bother to post?
And do you really expect someone to take the advice of a person who warns you that they have no clue.
How to Find the BEST Medigap Plans in Georgia
You have a problem.
How do you find answers to your Medicare questions WITHOUT getting a SALES PITCH?
Everyone wants to talk. No one wants to listen and answer . . . until you BUY SOMETHING.
Something you don’t want, don’t need and can’t afford.
Medicare explained using words you can understand. A Medicare 101 course if you will.
Give me 10 minutes by phone. Ask ANY question. How does Medicare work?
I can tell you.
What’s the difference in Medigap and Medicare supplement?
Like Kleenex and tissue, Medigap and Medicare supplement are two ways of saying the same thing.
How easy was that?
GA Medicare expert Bob Vineyard can help. Never any selling. We shop for you, then let you select the plans that fit YOUR needs and budget.
If you want to allow me to be your agent I will be most happy to assist and offer continued service. Anytime you have questions just call or email.
You have entered the No Selling Zone.
Call (404)252.5859 or email bob@bobvineyard.com. Watch our Medicare videos on YouTube.
#GAMedicareExpert #BESTGeorgiaMedicarePlans #GeorgiaMedicarePlans
What is Medicare and how do I use it?
Medicare is health insurance designed primarily for folks age 65 and older. Those who are younger than 65 may qualify if they are disabled or have end stage kidney disease.
Medicare has 4 parts. Your red, white and blue card is broadly accepted by doctors and hospitals alike. No networks! No referrals. No prior authorization.
Medicare Part A covers hospital inpatient charges and has a per admission deductible
Medicare Part B is for outpatient health care treatment. Doctor visits, labs, X-rays, MRI, CT scan (CAT scan), ambulance, ER, outpatient clinics, etc. Essentially any Medicare approved health care received outside the hospital setting. Treatment considered medically necessary under Medicare guidelines. Medicare Part B has a calendar year deductible. Once satisfied, Medicare pays 80% of the approved charge, you are responsible for the remaining 20%.
When you have original Medicare, YOUR DOCTOR AND YOU decide on the care you need. You don’t need approval by an insurance carrier before can receive testing or treatment.
Most seniors worry about hospital stays, but your major expenses will more than likely fall under Medicare Part B outpatient expenses. Original Medicare stand alone has no cap on your out of pocket expenses.
You pay until you run out of money, get well or die.
Medicare Part C is now referred to as Medicare Advantage. More on that later.
Medicare Part D covers outpatient prescription drugs.
Why is Medicare Part D confusing?
Seniors often buy the wrong drug plan and spend too much on their prescription plan. Seniors on Medicare spend an average of $263 per month on prescription medications.
Lower your medication bill by only using your drug card when necessary. The right drug plan will save a lot on brand names but you will almost always pay MORE for generics.
Consider paying cash or using GoodRx instead for maximum savings. Also look for drug plans that have a deductible.
How much faith would you have in someone who says . . .
"You should buy the plan I have. It's wonderful. I know this even though I have never used it."
Isn't that like someone tell you how healthy kale is and why you should eat it, even though they don't themselves eat kale?
How about the folks that say "I don't need a plan because I am healthy and don't plan on getting sick."
Who the heck DOES plan on getting sick?
And then there are those who profess to be lawyers. "They can't do that! It's against the LAW!".
Perhaps you should ask for a refund. I don't believe that law degree is working for you.
Medicare may SEEM simple, but it is not. It is easy until you have a claim. Then it becomes complicated. Where will you turn then? Will you go to the friend that told you to buy the plan they have? Maybe you will call the agent that SOLD you the plan? Good luck with that. They may not even be in the business by now.
Ask an expert. A Georgia Medicare expert. Call or email.
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