Are you looking for quality medicare coverage?
Perhaps you saw a commercial from Medicare Coverage Helpline T.V. Commercial, 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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- Why This Review
- Official Government Rules for $148
- Medicare Advantage Plans
- Medicare Advantage Plan Coverages
- Different Types of Advantage Plans
- End Commercial Fine Print
- Choosing Benefit Plans
- Important Considerations
- Good News
- Need Burial Insurance?
Why This Review
First of all, I feel we should take another look at the commercial to understand what is true and if this is best for my family and me.
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 when you need.
We can look at some important details together to investigate to help you determine 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 may qualify for up to $148 Added Back To Your Social Security Check – Timestamp: 00:08-00:14 seconds.
Fine Print – “The standard 2021 Medicare Part B premium is $148.50. Monthly savings may be subject to processing delays and may not be immediate.”
Fine Print – “Not affiliated or Endorsed with any Government Agency.”
Official Rules to 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, insurance policies, or car. So for you to find out if you qualify, the best way is to apply.
Best Choice Don’t Rush Over a Phone Call.
A phone call to a call center will not help or see the vast amount of information there is to understand and choose that the U.S. government has for you to know to make a decision.
The best action is to sit down with an experienced insurance agent to compare all of your choices properly.
*The following shows a little bit of what I am sharing with you and why.
Medicare Advantage Plan (MAP) Part C
Have a look and read, if you wish, at The official U.S. government Medicare handbook 2022 pdf.
This type of plan is an additional way to get what Part A and B cover but has additional benefits.
These additional coverage plans are many times called Part C or Medicare Advantage (M.A.) Plans and are offered by separate private companies that have been approved by and must follow rules that Medicare governs.
Description of Medicare Advantage Plans
Page 61 of the U.S. government Medicare handbook
The Medicare Advantage (M.A.) plans Part D concerning your drug coverages. You will need to use the health care provider in that private companies plan network to honor the coverage.
There is a benefit in that the private companies have set a limit on the total amount of out-of-pocket money you spend each year concerning the services that are specifically covered.
Don’t worry, you will still have your Original Medicare, and you will now get most of your original Parts A and B coverages from your new Medicare Advantage (M.A.) plan instead.
This means that you will receive an additional card that you will now use for your new Medicare Advantage Plan and new Medicare-covered services.
(Remember to keep your original Medicare red, white, and blue card from Medicare in case you ever drop your M.A. plan. This will make it easier to once again return to only your original Medicare benefit plan if you ever desire to do so.)
Description of Some Medicare Advantage Plan Coverages
See Page 61-62 of the U.S. government Medicare handbook
The Medicare Advantage (M.A.) (Part C) Plans will cover all of your Part A and B benefits except any hospice services or clinical trials.
Do transition to a Medicare Advantage Plan (M.A.) (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 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 (HMO-POS) 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 still covered through the plan
• Most of your Medicare services aren’t paid for by your Original Medicare Plan
• Plus, Most of the Medicare Advantage Plans offer prescription drug coverage.
Medicare Advantage Plan Enrollment Extra Benefits coverage can include
(depending on the plan you choose)
- Fitness Programs (like gym memberships or discounts)
- Some Vision, Hearing, and Dental services
- Transportation to doctor visits
- Over-the-counter drugs
- Services that promote your health and wellness
- Tailored benefit packages for certain chronically ill enrollees
Peace Of Mind – As you can see, there are many rules so take your time and
Seek a professional and experienced Agent that you can take the time to plan before you enroll to see exactly
- What benefits does each plan specifically offer
- If you might qualify
- If there are any limitations
Dental Vision Hearing Drug Coverage – Timestamp: 00:35 – 00:38 seconds.
Fine Print – “Limitations. Copayments and restrictions may apply. Not available with all plans. Availability varies by carrier and location.”
Fine Print – “Not affiliated or Endorsed with any Government Agency.”
Free Eyeglasses Free Hearing Aids Free Meal Delivery Free Drug Delivery – Timestamp: 00:38 – 00:45
Fine Print – “Not available with all plans. Availability varies by carrier and location.”
Fine Print – “Not affiliated or Endorsed with any Government Agency”
You may qualify for this; however, it’s all dependent upon you qualifying for the (LIS) low-income subsidy. Only eligible people can get some assistance that lowers your monthly premium, possibly adding up to monthly savings.
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 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 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.
End of Commercial Fine Print – Timestamp: 01:45-01:53 seconds
The Disclaimer Fine Print is over 200 words at the end of the commercial. This completely shows what little there is that they can accomplish and personally destroys my trust.
Disclaimer Fine Print Beginning
“There is no obligation to enroll. Enrollment in the described plan type may be limited to certain times of the year unless you meet certain criteria, such as qualifying for a Special Enrollment Period.”
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 (M.A. or MAPD) outside of the annual Open Enrollment Period (AEP) that runs from October 15th through December 7th.
More Fine Print
“Not affiliated with or acting on behalf of any government agency or program. Your call will be directed to a licensed insurance agent who can provide more information about your Medicare insurance plan options. Alternatively, your call may be sold to an unaffiliated licensed insurance agent(s) who may or may not offer Medicare Advantage, Medicare Supplement Insurance, and/or Medicare Prescription Drug Plans, or other health and life insurance products.”
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.
In addition to not meeting the low-income criteria (low-income criteria), you most likely will be dealing with a call center, a Medicare call center, that really just has most likely ONE company that isn’t necessarily the best option.
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.
Continued Disclaimer Fine Print
“Prescription, Dental, Hearing, and Vision benefits are not guaranteed, are only available in select plans, and are not available in every state or zip code. Medicare has neither reviewed nor endorsed the information contained in this advertisement. Please check with your licensed insurance or your state’s insurance Commissioner’s office to determine what benefits are offered in your area or included in any plan before you purchase insurance.”
Choosing Plans and Benefits
When choosing the best Medicare Advantage plans, you should consider something that includes coverage with dental, vision, and hearing and, of course, with the services that are most important to you.
Depending on your area and needs, United Healthcare, Kaiser Permanente, Cigna, WellCare, Aetna, and Humana are some examples of good private companies to choose your Medicare Advantage Plans.
Is the plan available in your area and nationwide at competitive prices? Many top companies to choose from have premiums ranging from $0 to over $100 each month, depending on your needs.
Many prefer a Medicare Advantage Plan because coverages include a prescription drug program, dental, vision, and hearing care bundled together under one plan. These plans often have lower monthly premiums (even $0) depending on the coverage of the plan.
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.
So there is NO GUARANTEE what the commercial is saying is the case, AND THAT’S WHAT THE FINE PRINT essentially implies.
More Disclaimer Fine Print
“This information is not a complete description of benefits, contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change on Jan 1st of each year.”
Find 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)
Research the costs involved
- Monthly premiums
- Yearly Maximum you pay for the health costs
- Out-Of-Pocket costs
- Copayments or Coinsurance costs
Because many plans are different between plans and providers and even differences in plans that the same providers offer can be, for example, 50% coinsurance or a $50 copayment for a Dental Plan.
And once again, calling a call center with limited options, might not have this or even know to suggest it and definitely can’t shop around for the best private company since they don’t represent many companies like the brokerage independent agency like us at Direct Express Support can and will help you and prove to you so you can make the proper choices.
Final Fine Print
“You must continue to pay your Medicare Part B premium. This is not a complete listing of plans available in your service area for a complete listing, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048). 24 hours a day 7 days a week, or consult www.medicare.gov.”
What That Fine Print Means
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. Obviously, 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.
The Good News
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?
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 P.C.,
fill out the form on the right that’s titled Get Your Life Insurance Quote Now
Need Burial Insurance?
In addition to helping people with their Direct Express, questions we help people like you qualify for quality final expense life insurance coverage that pays off your funeral and cremation expenses.
These burial insurance plans are perfect for those who are retired or disabled and on a fixed income, and want peace of mind, knowing their final expenses are covered.
Some of the benefits of these programs include:
- Rates NEVER increase like a lot of the junk mail life insurance companies you see.
- Coverage NEVER cancels due to age or health as long as you pay your premium.
- If eligible, you may qualify for first day FULL coverage with NO waiting period like many of the TV life insurance ads offer.
- Affordable premiums for those on fixed incomes.
- Plans offering immediate approval with NO health questions asked!
- Coverage available from 18 to 90 years old!
Bottom line, if you’re looking for a peace of mind, and want your family to have no burden when you pass, then these plans are for you!
Here’s how to get a free quote
Click here and we’ll get you a quote in minutes and get you the peace of mind you deserve!