Are you looking for quality medicare coverage?
Perhaps you saw a commercial from Medicare Coverage Helpline TV Commercial featuring spokesman Joe Namath, and now you’re wondering, “Is this legitimate?
Well, not to worry!
For straight facts about how Medicare Coverage Helpline works and how you can be helped legitimately, then you’re certainly at the right place.
This article will explain everything to know about the Medicare Coverage program.
We’ll also take a good, hard look at the fine print—it might surprise you!
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- About This Review
- Official Medicare Advantage Plans
- Medicare Advantage Plan Coverages
- Different Types of Advantage Plans
- Paid Actor Endorsement
- Pros and Cons
- Fine Print
- Good News
- Need Burial Insurance?
About This Review
First of all, I feel we should take another look at the commercial and test the truth.
To test all truth properly, we can go through the commercial together, and I will stop, Timestamp the section so you can have time to see for yourself and refer to it easier again.
We can look at some important details together so that you can investigate to help you in determining to make the right choice for you and your family.
Then in the different sections of the article, we will talk about the various elements of what is in the fine print, what they are talking about, and how it really works.
Alright, so, let’s start and break down the different parts of this commercial:
You Are Now Entitled To Eliminate Copays, Get Dental Care, Dentures, Eyeglasses, Prescription Coverage Timestamp 00:13-18 Seconds.
Notice the Fine Print at the Bottom of Commercial
“Plans vary, and premiums, co-pays, and co-insurance may apply. Plans that have no premiums, no co-pays, and no deductibles may require qualifying for low-income subsidies or SNP plans.”
So, there is no guarantee that you are going to get this insurance. And maybe you can’t get this because you don’t have access to the better plans in your area defined by zip code and more requirements that are assumed.
In addition to not meeting the low-income criteria (LIS), you most likely will be dealing with a call center, a Medicare call center, that just has generally 1 company that they hurriedly trained the 100-200 agents for the call center to get money from this massive commercial especially during this time of year Oct 15-Dec 7th enrollment period.
I feel you have the capability to know that you realize this is too good to be true so…of course, this isn’t necessarily the best option. Research, gosh!
Before you make a wrong commitment, the best advice to do instead is deal with
- A Professional that has access to the best carriers in your area
- A Broker Independent that can shop around for the best program!
- A program that is not just a Zero Premium Plan but gives you the least amount of Copays and deductibles and maximizes the benefits you’re eligible for?
There is obviously NO GUARANTEE what the commercial is saying is the case according to WHAT THE FINE PRINT essentially implies.
Official Medicare Advantage Plan (MAP) Part C
This type of plan is an additional way to get what Part A and B cover but having additional benefits.
These additional coverage plans are many times called Part C or Medicare Advantage (MA) Plans and are offered by separate private companies that have been approved by and must follow rules that are governed by Medicare.
Have a look and read, if you wish, at The official U.S. government Medicare handbook 2022 pdf.
Description Of Medicare Advantage Plans
Page 61 of the U.S. government Medicare handbook
These MA plans Part D drug coverage, normally and in many cases to get this coverage, you will need to use the health care provider in that private companies plan network.
The benefit is that the private companies set a limit on the total amount of out-of-pocket money you spend each year for the specified covered services.
Remember you will still have Medicare, however, you will get most of your original Parts A and B coverages from your new Medicare Advantage (MA) Plan, not your original Medicare.
You will receive an additional specific card that you will now use for your new Medicare Advantage Pan so you can get your new Medicare-covered services officially.
(Always keep your original red, white, and blue card from Medicare in case you ever drop your MA plan and wish to once again return to only your original Medicare benefit plan.)
Some of these MA plans additionally offer other non-emergency coverages out of this private network at a higher cost.
Description Of Some Medicare Advantage Plan Coverages
See Page 61-62 of the U.S. government Medicare handbook
The Medicare Advantage (MA) (Part C) Plans will cover all of your Part A and B benefits except any hospice services or clinical trials and temporarily the new benefits that happen because of national coverages or legislation has determined.
If you do transition to a MA Part C plan, the Original Medicare will still cover the cost involved for hospice care, some of the clinical research studies, and some of the new Medicare benefits.
The MA Part C does and must cover all urgent care, emergency care, and nearly all the necessary medical services that the Original Medicare covers.
Description Of The Different Types Of Medicare Advantage Plans
See Page 66-70 of the U.S. government Medicare handbook
• Health Maintenance Organization (HMO) plan: See page 66.
• HMO Point-of-Service (HMOPOS) plan: This HMO plan may allow you to get some services out of network for a higher copayment or coinsurance. Also on page 66.
• Medical Savings Account (MSA) plans: On page 67.
• Preferred Provider Organization (PPO) plan: At page 68.
• Private Fee-for-Service (PFFS) plan: See page 69.
• Special Needs Plan (SNP): See page 70.
Medicare Advantage Plan Enrollment means
• That most Medicare services are covered through the plan
• Most of your Medicare services aren’t paid for by your Original Medicare Plan
• Additionally most of the Medicare Advantage Plans offer prescription drug coverage.
Medicare Advantage Plan Enrollment Extra Benefits means coverage for
- Fitness Programs (like gym memberships or discounts)
- Some Vision, Hearing, and Dental services
And More Benefits depending on what is chosen for example
- Transportation to doctor visits
- Over-the-counter drugs
- Services that promote your health and wellness
- Tailored benefit packages for certain chronically ill enrollees
Seek a professional, courteous, licensed, and above all experienced Agent that you can take the time to plan before you enroll to see exactly
- what benefits each plan specifically offers
- if you might qualify
- if there are any limitations
Call To Check Your Zip Code – Timestamp: 00:19-23 Seconds.
Get In-Home Aides, Unlimited Transportation, Home Delivered Meals All at no additional Cost!?!
**Fine Print says
“Not affiliated or endorsed by any government agency or the Federal Medicare programs Plan availability varies by region and state. Transportation to plan-approved locations.”
Ok I understand, I get it, we want help, so Joe Namath says this will help. That yes, maybe I can get better help with Limited Information of this subject…That doesn’t mean it’s okay…What would Joe advise his own mother?!? I’m serious.
If I did the commercial, I would say, I did the necessary due diligence AND It’s so real, that I advised my own mother, she consulted her lawyer, and wow, everything is true! I’m so thankful…REALLY? This did not happen! Gosh!
REALITY We are all not that desperate, right?
Many times when you call these companies, you definitely will talk to a real person, but the problem is a lot of these call centers hire inexperienced people that don’t understand Medicare or they were just hired off the street or just got their insurance license.
Although they may seem to be helpful, a lot of the time the agents just don’t have access to all of the carriers like organizations that handle multiple companies to shop around to try to find the best price coverage.
So be aware of the waste of time to speak with agents that barely know anything about all these official rules so they can work in this call center. If they were experienced agents, they would be selling insurance for the private companies, right? They wouldn’t be making minimum wage at this call center. Hope that makes sense?
Your Zip Code May Have Coverage With The Give Back Benefit That Adds Money Back To Your Social Security Check Every Month Timestamp 00:23-33 Seconds.
To involve a Covid19 IMPLIED scare to this statement as a reason?!? Timestamp 00:34-49 seconds.
IS this necessary next “ask yourself, a fair comparison?” What does virus…Covid19??? And this commercial about expanded Medicare coverage has to do with each other, GOSH?
The commercial actually says
This next statement as you see is within the commercial that we are reviewing
“With the uncertainty of the virus and vaccines, you need to get everything you’re entitled to
Here’s the Bottom Line Call To get Significant Benefits at no additional cost See if your zip code has coverage The Give Back Benefit”
The OFFICIAL U.S.Government Rules state
This part is called the Refund Part B buyback during A Special Enrollment Period (SEP) allows a Medicare beneficiary to join, switch, or drop their prescription drug plan (PDP) Medicare Part D or Medicare Advantage plan (MA or MAPD) outside of the annual Open Enrollment Period (AEP) that runs from October 15th through December 7th.
Choosing Medicare Advantage Plans To Benefit You The Most
Many Decisions to make for Expanded Coverage in your Medicare Advantage Plan. Recommend that you consider talking to a broker or consultant to go through every detail with you before you commit to enabling the best coverage for the money and peace of mind for you and your family.
Finding a list of Medicare Advantage Plans that are in your coverage area.
Choosing the Best Type of Plan
- Special Needs Plans (SNP)
- Preferred Provider Organization (PPO)
- Private Fee-For-Service (PFFS)
- Health Maintenance Organization-point of service (HMO-POS)
- Health Maintenance Organization (HMO)
- Knowing the Plans Details
Knowing in advance the Costs involved
- Monthly premiums
- Yearly Maximum you pay for the health costs
- Out-Of-Pocket costs
- Copayments or Coinsurance costs
Pros And Cons – You Decide What’s Best
Because many plans are different between plans and providers and even differences in plans that are offered by the same providers can be for example 50% coinsurance or a $50 copayment for a Dental Plan.
Many prefer a Medicare Advantage Plan because many coverages include a prescription drug program, dental, vision, and hearing care are bundled together under one plan. These plans often have lower monthly premiums (even $0) depending on the coverage of the plan.
Medicare Advantage Plan monthly premiums are typically ranging from $0 to over $100 depending on the coverage.
Some Enrollment Rules
- You can enroll in a Medicare Advantage plan
- When you are eligible for Medicare
- When you turn 65 or younger if you have a qualifying disability
- October 15 to December 7 enrollment periods
(during this time you can change from your Original Medicare to a Medicare Advantage Plan or even change from one Medicare Advantage Plan to another when circumstances you see the benefit you to make a change.)
- Special Enrollment Period (SEP) you may be able to qualify for this if you have a life event happening such as a move or experience loss of income.
Some plans even offer meals delivery. Plans are based on your location with different eligibility and costs.
THE TRUTH TO QUALIFY FOR “THE GIVE BACK BENEFITS”
How do you qualify for $148.50 back from Medicare?
If you have Parts A and B, you can enroll in an Advantage plan with a give-back option. These plans reduce your Part B premium up to the full standard amount of $148.50 each month and add the money to your Social Security check.
Only eligible beneficiaries are those with a limited income for a program with the government that helps pay for prescriptions drug costs for Medicare Part D.
These beneficiaries of Medicare that get (LIS) the low-income subsidy can get some assistance to pay the monthly premiums, coinsurance, copayments, and monthly premium for their Part D.
Other than zip code, Medicare has extra help eligibility if you qualify for the (LIS) low-income subsidy that is available for Medicare Part D.
The requirements are if your assets and annual income limits are below the eligibility threshold. These limits could change yearly so you should check the most recent levels and pinpoint more accurately the requirements online at Medicare.gov.
Many people do qualify for the Medicare Extra Help savings and don’t even realize it.
When calculating eligibility for the low-income subsidy, Medicare doesn’t count any resources like your home or any insurance policies or your car. So for you to find out if you qualify, the best way is to apply.
A Paid Actor At Timestamp: 00:50-55 Seconds.
This is a paid endorsement, and it’s somebody who is getting paid to make these comments.
It’s not somebody who actually bought the medicare coverage plan from the 800 number but instead an actor who got paid money to talk, so you should know this and always be aware.
Conclusion Fine Print At Timestamp 01:45-:53 seconds
“The Medicare coverage helpline is not affiliated with or acting on behalf of any government agency or program. Outside of the medical annual election period, members can enroll in the program only if they meet certain criteria. A licensed insurance agent can help you determine if you are eligible.”
(So what this means is that it only may apply during the AP election period to qualify for a medical plan.)
Then more of the fine print states
“Your call will be directed to a licensed insurance agent or a third party partner of TogetherHealth Pap, Inc., who can provide more information about your Medicare insurance plan options.“
What That Fine Print Means
So when they say a third-party partner, this means it may not go to Medicare Coverage Helpline. It may go to some random call center that you don’t know or have a relationship with or don’t understand anything about that.
You are just calling a random person without verifying; are they experts? Do they understand the business? There is not much quality control with that, so again buyer beware.
This is opposed to independent brokers that have the latest and best that you get to choose from so that obviously then you and your family are most likely to retain the best for you and save money because it’s not wasted on lesser inferior coverage.
Simply, see for yourself in a timely fashion to make the correct decision for you and your family.
The conclusion of fine print states
“There is no obligation to enroll. This information is not a complete description of benefits, contact the plan for more information. This is not a complete list of plans available in your service area. For a complete listing, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24hrs a day, 7 days a week, or consult www.medicare.gov“
The good news is many times we help people with Medicare questions because there may be the opportunity to get back extra benefits, such as dental vision and hearing, to get back your $148.50 out of your paycheck that Social Security takes away each month.
Are you interested in free benefits that you may be eligible for? These are the free Government benefits that you may be eligible for so the best is to get professional help to determine more easily and then choose when you are ready for the best option available for your family and loved ones right?
Also, another way to help money get reduced from your pocket is your copays that can many times be reduced for hospitalization.
We want to help to get you a quality Medicare plan. To get access to government benefits that you could not previously get or currently have while also getting back some of your currently spent money.
Knowing the legitimacy of what you spend and what you are entitled to while benefiting from additional coverage that you might not even realize you qualify for is worth a look for you and your family.
Since we are independent brokers, this allows us to shop all the major insurance carriers to find you the best deal in terms of price and coverage.
You’ve got lots of different options here at Direct Express Support. Many times you could qualify for a better policy that starts immediately.
Right now, it’s real easy to get more information;
You can just simply fill out the form you see on your screen that says something like Get Help Now
if you are on your Desktop PC,
fill out the form on the right that’s titled Get Your Life Insurance Quote Now
Then one of our friendly representatives will be back with you with more information.
Need Burial Insurance?
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- Rates NEVER increase like a lot of the junk mail life insurance companies you see.
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- Affordable premiums for those on fixed incomes.
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