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National Senior Benefit Advisors was formed out of a clear need for many Americans to have a trusted team they can rely on to help with understanding Medicare. We know that choosing the right Medicare plan can be a difficult and burdensome task. That is why from day one we have committed to providing the support and clarity needed to help countless people across the nation make the best Medicare chooses for them.  

We are proud of the work we do and that is often echoed in the feedback we get from our clients. We continue to stay ahead on the latest Medicare trends and are dedicated to being there for all of our clients year in and year out to ensure they are getting the coverage they need. Simple, easy, and confident is how we want the process to feel because at the end of the day we are here because of you!

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Turning 65? You're probably considering Medicare. Contact National Senior Benefit Advisors, we combine technology and service to provide you the health care experience you deserve everytime!

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Medicare and How It Affects You!

Joining Medicare can seem like a daunting process, but it doesn’t have to be. Before enrolling in Medicare, it’s important to understand your options to help you better determine the coverage you may need and ensure you receive it.

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What is Medicare?  

Some Medicare Advantage plans have received a bad reputation lately, but this was more due to the overzealous marketing efforts of a few than the actual plans. All Medicare Advantage plans must be approved by the Center for Medicare and Medicaid (CMS). You must provide services that meet or are better than those provided by the traditional Medicare A and B sections. Of course, the goal of these plans is to offer services that offer advantages over Part A and Part B!  

What is the problem with Medicare Advantage?  

The most recent strike against Medicare Advantage plans concerns the nature of the plan, referred to as PFFS (Private Fee For Service). These plans allowed access to "any documents" or to the choice of Medicare care by the enrolled person. The problem was that the doctor or other healthcare provider had to accept and bill the plan. Since some of the plans were very new, medical providers such as doctors, hospitals and therapists did not have the plans yet. This led to problems because the registered persons had to submit the bill to the insurance companies instead of the medical service provider doing it. In fact, this has caused problems for many Medicare beneficiaries.  

What about other Medicare Advantage plans?  

Medicare Health Maintenance Organizations (HMO) and Medicare Preferred Provider Organizations (PPO) have been around for a long time. Both types of Medicare Advantage plans use networks of physicians and other healthcare providers who have already agreed to participate in the plans. As long as the plan members use their badge, there are no billing issues. In general, the members of Medicare PPO and HMO show great satisfaction with their health plans.  

A combination of private competition and government incentives enables private plans to deliver health plans that provide quality healthcare and save money for Medicare beneficiaries. The networks, once considered restrictive, actually ensure that healthcare providers understand the system and agree with the system, making the system work smoother. These plans usually also include Part D or the Medicare prescription part!  

Who is happiest with Medicare Advantage plans?  

Medicare Advantage plans are for people on modest incomes. Medicare supplements can burden the elderly and people with disabilities with fixed incomes. However, many of the higher-income seniors also participate in Medicare Advantage plans because they come from the same companies that used to carry out their old group or individual health plans and feel comfortable with the network's medical operators!  

Medicare Advantage plans also give satisfaction to those with special or chronic needs. Plans are available to address chronic conditions such as diabetes, heart problems or nursing homes. Some plans even address the needs of caregivers!  

Many people consider this option to be additional insurance because it is much cheaper and also because the paperwork is much less than if you were dealing with two different insurance carriers. There is many less rooms for error, and if the premium is due, It's also wonderful if you have your a plan with an agency while minimizing the documentation on your page mostly National Senior Benefit Advisors.  

How Do I Know If I’m Eligible?  

U.S. citizens or permanent U.S. residents who have lived in the United States continuously for 5 years before applying become eligible for Medicare at the age of 65. You may also be eligible for Medicare if you are under the age of 65 and living with a disability.  

Who Should I Talk To?  

A certified health insurance agent for Medicare can help you understand the complexity of Medicare and assist in finding coverage through private insurance companies affiliated with Medicare.  

When Can I Enroll?  

Anyone turning 65 can enroll in Original Medicare and Medicare Advantage during a seven-month window that begins three months before turning 65, including the month of the 65th birthday, and three months after. You may be automatically enrolled in Original Medicare if you are receiving retirement benefits. If you are not automatically enrolled and miss your enrollment window, you can enroll during Medicare’s annual election period, Oct. 15-Dec. 7.  

What Should I Look For When Choosing A Plan?  

If you choose to enroll in a Medicare Advantage plan, look for plans that:  

* Provide a high level of access to care * Offer prescription drug coverage and cover your medications * Are affordable * Offer supplemental benefits to keep you healthy * Use technology to improve the quality of care you receive  

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