The Medicare Open Enrollment Period ends this week on Sunday, December 7th. If you need to switch your Medicare Prescription Drug plan or change your Medicare Advantage Plan, you will need to do so by Sunday, unless you qualify for a Medicare SEP (Special Election Period) or are new to Medicare. Our agents are here and available 7 days a week to help you enroll into the right plan for 2015. Please call us Toll Free at 1-866-691-5571 to schedule an appointment with one of our specialists.
What you can do:
If you have any questions regarding your coverage or if you fit in to one of these categories, our experts are here to help. We have licensed experts statewide to answer your questions and help you choose the RIGHT plan.
Call us Toll Free at 1-866-691-5571
The Medicare Annual Enrollment Period begins October 15, 2014. If you have Medicare insurance QUESTIONS, we have ANSWERS! Our experts are here to serve you in every county in the state of Tennessee.
Independent Insurance Consultants would like to congratulate Miranda Ford for her achievement. Miranda has been awarded by UntedHealthcare Medicare & Retirement for the 3rd Quarter Top Producer. Miranda is a Senior Insurance Specialist at Independent Insurance Consultants, which is based out of Knoxville, serving clients in every county in Tennessee. She is a dedicated, hard worker, that takes pride in helping her clients. She strives to provide top notch customer service and to always put her clients first. Miranda specializes in Medicare insurance coverage, Medicare Part D plans, and also Medicare Advantage Special Needs Plans (for those who receive ‘extra help’, such as TennCare, Medicaid, QMB, and SLMB). Congratulations Miranda and keep up the hard work!
Original Medicare pays for many, but not all, health care services and supplies. Medicare Supplement Insurance policies, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles. Medicare Supplement Insurance policies are also called Medigap policies.
These plans are standardized, meaning all companies offer the same plans and benefits. Medicare Supplements do NOT include Medicare prescription coverage (Part D).
The best time to buy a Medigap insurance policy is during your Medigap Open Enrollment Period. This period begins 6 months before the first day of the month in which you’re 65 or older and enrolled in Part B and 6 months after this date. (Some states have additional Open Enrollment Periods.)
After this enrollment period, your option to buy a Medigap policy may be subject to health questions and a higher premium.
For more information on choosing the RIGHT Medicare Supplement and premium discounts, call us Toll Free at 1-866-691-5571.
Third Annual National Medicare Education Week Offers Help Before Open Enrollment Period
MINNETONKA, Minn. (Sep. 08, 2014) —
The third annual National Medicare Education Week begins Monday, Sept. 15, exactly one month before the start of Medicare’s annual Open Enrollment Period (Oct. 15-Dec. 7). The observance was created to help people learn more about Medicare.
Since National Medicare Education Week began in 2012, thousands of people have participated in educational events during the week in more than 60 cities across the country. This year, National Medicare Education Week events will be held for the first time in Boston, Salt Lake City and Richmond, Virginia; a full list of cities and events can be found at NMEW.com.
UnitedHealthcare, the largest business dedicated to the health and well-being needs of seniors and other Medicare beneficiaries, created National Medicare Education Week as an extension of its Medicare Made Clear initiative. The company celebrates the annual observance with the support of a variety of organizations and companies that share its commitment to helping seniors and other Medicare beneficiaries understand their health care coverage options.
Supporters of National Medicare Education Week include AARP, Ameriprise Financial, the Caregiver Action Network (CAN), the National Association of Area Agencies on Aging (n4a), Safeway, Target, Walgreens, Walmart and Sam’s Club, as well as health care providers, senior centers and other organizations in communities across the country.
“Health care decisions can have a significant impact on the well-being – and wallets – of seniors and other Medicare beneficiaries,” said Steve Nelson of UnitedHealthcare. “Medicare is not one size fits all, and finding coverage that meets each person’s unique needs requires thoughtful planning. We hope that National Medicare Education Week will motivate people to learn more about Medicare so they can feel better prepared to make confident coverage decisions during the Open Enrollment Period.”
According to the Medicare Made Clear Index, a 2013 survey conducted by UnitedHealthcare, 1 in 5 Medicare beneficiaries describes Medicare as confusing, and most are unable to correctly identify the health care expenses that Medicare Parts A, B, C and D cover. Baby boomers ages 60 to 64 who are approaching Medicare eligibility also reported low confidence in their Medicare knowledge, with 70 percent saying they have a “fair” or “poor” understanding of the program. Many were also unaware of important details about how and when to enroll in Medicare.
Education Opportunities in Local Communities and Online
During National Medicare Education Week, UnitedHealthcare will host dozens of Medicare education events in more than 15 cities. The company is expanding the number of Spanish-language events this year to better meet the needs of Hispanic beneficiaries and their caregivers. The company will host events in both English and Spanish in Dallas, Miami, Los Angeles and San Diego.
At the events, local UnitedHealthcare representatives will present information and answer some of the most common Medicare questions. Among the topics that will be covered are:
In collaboration with the Caregiver Action Network, a National Medicare Education Week supporter, UnitedHealthcare will make a customized version of the event presentation available on CaregiverAction.org. The presentation is designed to address the unique needs of family caregivers who help their loved ones navigate their Medicare enrollment decisions.
For more information about National Medicare Education Week, visit NMEW.com.
UnitedHealthcare is dedicated to helping people nationwide live healthier lives by simplifying the health care experience, meeting consumer health and wellness needs, and sustaining trusted relationships with care providers. The company offers the full spectrum of health benefit programs for individuals, employers andMedicare and Medicaid beneficiaries, and contracts directly with more than 800,000 physicians and care professionals, and 6,000 hospitals and other care facilities nationwide. Globally, UnitedHealthcare serves more than 45 million people in health benefits and is one of the businesses of UnitedHealth Group (NYSE:UNH), a diversified Fortune 50 health and well-being company.
Do you know the difference?
Medicare Advantage (Part C)
Medicare Advantage is a combination of two standard Medicare offerings: Part A, also known as Hospital Insurance; and Part B, also known as Medical Insurance. Premiums are often low and $0 Premium plans are available in many areas. Most Medicare Advantage plans also cover prescription drug costs, or Medicare Part D. Some plans even include dental, vision and hearing coverage as well.
Unlike traditional Medicare plans, Medicare Advantage is provided by private insurance companies.
Medicare Advantage provides extensive coverage for patients, but it also requires that patients abide by certain rules and guidelines outlined in the plan itself. For example, Medicare may only provide assistance if the patient visits a doctor or hospital that belongs to a Medicare-approved network. Also, certain prescription drugs may be exempt from coverage.
Many Medicare Advantage plans offer health club memberships and also provide patients with routine preventative exams, disease management programs, and transportation services to physician’s offices – services which aren’t covered under Parts A and B alone.
Medicare Supplements (Medigap)
Although Medicare is a great asset for the aging population and for those with disabilities, it often is not enough to cover all of their medical expenses. In response to this need, private insurance companies offer extended plans called Medicare Supplemental Insurance, sometimes called a Medigap policy, to help fill in those gaps in coverage.
While Medicare can and often does pay up to 80% of a patient’s medical expenses, the remaining 20% can still be a tremendous financial burden. Even routine doctor visits can add up over time, especially for those with chronic ailments who need frequent treatment.
Although these plans may cost more than Part C Medicare Advantage plans, there are few to any extra out-of-pocket expenses.
Still have questions? CALL US Toll Free 1-866-691-557 for your personal review
Pictured from left to right (Kevin Burchette-Agent Manager-EDC UnitedHealthcare Medicare & Retirement, Miranda Ford-Senior Medicare insurance associate, Blake McCoy-President & Founder of Independent Insurance Consultants)
Today marks a very important date for Miranda Ford, one of our Senior Medicare insurance associates. One and a half years ago Miranda started as a receptionist at Independent Insurance Consultants. After a few months, she made it known that she was a driven and very personable person that knew no strangers. After consideration of becoming a licensed insurance producer and joining our sales team, Miranda started her training and obtained her Tennessee Health insurance license. For the past year, her focus and passion has been helping Medicare beneficiaries choose the right coverage for their Medicare insurance and prescription drug needs. Miranda is certified with many of the major Medicare insurance carriers and has become a leader, not only in our Medicare solutions team, but also recognized state wide. Today, Miranda was awarded by UnitedHealthcare Medicare & Retirement as the 1st Quarter 2014 Top Producer Award! We want to congratulate and thank Miranda for her dedication to her clients, IIC, and of course UnitedHealthcare Medicare & Retirement. Congratulations Miranda, you did it!
Are you looking for an affordable dental plan with good coverage? Look no further... We are proud to offer a stand alone Dental plan insured by UnitedHealthOne. Monthly premiums start as low as $15 a month for up to $1,000 of coverage. Preventive Care has NO waiting period and NO deductible. Call us Toll Free 1-866-691-5571 to keep your smile beautiful.
Independent Insurance Consultants
Toll Free 1-866-691-5571
Coverage options outside Open EnrollmentOpen Enrollment for 2014 coverage is over. But you may still have options to get health coverage, including:
To qualify for a special enrollment period, one of the following must apply to you:
Learn more about coverage options including short term health insurance:
Independent Insurance Consultants
Toll Free 1-866-691-5571